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Trials and tribulations of a Debt Free Wannabee!
Comments
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hi saving. *pops in to wave hello*
when you said you want to be a coach do you mean a life coach??
I would love to be a life coach and one of my past roles was like life coach working with people with learning disabilities. It was a great job. I looked into the training course but as I want to live in Spain eventually it is not a very viable career path for living there (unfortunately).Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hi Saving, thought I'd pop in and say hi. Good luck with the job hunting. I've done a bit of coaching through work and we did the Penny Ferguson training as well - the course was good (the trainer wasn't quite so good).Ebay challenge 2010 - £525
:idea:August 2009: Debt _pale_: [STRIKE]£55895.56[/STRIKE] £43069.65 - £12825.91 paid off so far (23%)
Council Tax Arrears Paid £6023.67/£6581.64 (92%) :j
2009 (5 months) £5753.53 paid / 2010 £7072.38 paid so far0 -
hi btd I need to do some more on the wii tonight - have eaten more normally today so think high chance that my weight will have increased.BEAT_THE_DEBT wrote: »HI sholmes well done on renewed energy re job front. I must get back to wii but have been poorley!xxclearmydebts wrote: »I would love to be a life coach and one of my past roles was like life coach working with people with learning disabilities. It was a great job. I looked into the training course but as I want to live in Spain eventually it is not a very viable career path for living there (unfortunately).
hi cmd - the life coaching academy (whose training I did) do now offer a 2 day training course for free- you could go for that anyway. There are lots of ex-pats in Spain so I wouldn't be so quick to right it off. Also it is an opportunity to get coached yourself which can't be bad!
hi myopic moo thanks for popping in....Hi Saving, thought I'd pop in and say hi. Good luck with the job hunting. I've done a bit of coaching through work and we did the Penny Ferguson training as well - the course was good (the trainer wasn't quite so good).Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
savingholmes wrote: »hi lunar - I think the paperwork would probably drive me insane long term too. I would rather be a freelance trainer than an NVQ assessor but I think it would give me some useful experience that might then make going freelance easier? What do you think?
I find public speaking scary but it can also be energising. Would like to be better at it - but need more practice!
At least if you train to be an assessor you can keep the bits you like when you are freelance and drop the rest. I took some bits to use in my teaching my other students (not nvq ones).
As for public speaking, my OH is a natural. He will go into a lecture room of 200 people as easily as he can talk to me. unfortunatly for me it leaves me a wreck!DFW NERD NO.656 DEBT FREE 24TH NOVEMBER 2010 TOTAL DEBT AUGUST 2007 £39000MFiT T2 NO.56 WE OWN [STRIKE]25%[/STRIKE] 31.5% OF OUR HOUSE SO FAR!0 -
Lucky OH!At least if you train to be an assessor you can keep the bits you like when you are freelance and drop the rest. I took some bits to use in my teaching my other students (not nvq ones).
As for public speaking, my OH is a natural. He will go into a lecture room of 200 people as easily as he can talk to me. unfortunatly for me it leaves me a wreck!
I haven't really got any materials at the mo so that would be the potential attraction.... of working for someone else... They would also pay for me to be qualified as an assessor which I could also use afterwards.... hmmmmAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Well now on 46 gold stars on woohoo - equivalent of £2.50 of an Amazon voucher....
Redeemed £5 from bp
Have decided to use my savings to pay off barclaycard as 0% has expired. That will also reduce our monthly outgoings slightly....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
savingholmes wrote: »Well now on 46 gold stars on woohoo - equivalent of £2.50 of an Amazon voucher....
Redeemed £5 from bp
Have decided to use my savings to pay off barclaycard as 0% has expired. That will also reduce our monthly outgoings slightly....
Sounds like a sensible thing to do. How did your boss take the resignation?Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
She just sent an email saying she understood.....clearmydebts wrote: »How did your boss take the resignation?
I talked to my umbrella company yesterday - they are still waiting for accident info from me - so I might get a payout from them yet....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
savingholmes wrote: »She just sent an email saying she understood.....
I talked to my umbrella company yesterday - they are still waiting for accident info from me - so I might get a payout from them yet....
Fingers croosed eh?
well done on using the wii....don't think we've been on ours since Christmas!!! that should chnge this weekend though as MrL's daughter is staying over - she'll want to play...just a pity it means I get beaten in everything by a 12yrold!!I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
I really ought to get back to using the wii as well. It's been a couple of months now.
Hope you get a payout for the accident2019 fashion on a ration 0/66 coupons0
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