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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I got accepted on a coaching forum today - linked to my original coaching group. I also have my first pro-bono client so that I can start refreshing my skills....

    I have decided I need to change my home phones and possible home phone package if I am going to set up in business for myself. At the moment - my home phone clicks onto answerphones within a few seconds so that is not the image I am going for! I may need to change my mobile package too so I can have some free minutes....
    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 10/10/25
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    savingholmes wrote: »
    I got accepted on a coaching forum today - linked to my original coaching group. I also have my first pro-bono client so that I can start refreshing my skills....

    I have decided I need to change my home phones and possible home phone package if I am going to set up in business for myself. At the moment - my home phone clicks onto answerphones within a few seconds so that is not the image I am going for! I may need to change my mobile package too so I can have some free minutes....

    Great news - things seem to be moving in such a positive direction for you :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks CMD

    Well new phones are costing around £72 (Dixons) but should get a little bit of cashback from quidco - and is £12 cheaper than Argos! Am just doing a bingo offer for OH which will eventually contribute £8 profit towards that.... Need to look for some other offers as well to help fund it...
    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 10/10/25
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    work have finally sent me the info I wanted so should be able to finalise timesheet and expenses. They have also agreed to pay me some holiday pay which should help too
    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 10/10/25
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    savingholmes wrote: »
    hi bevan - is there anyone you could borrow one from or at least try it out and see if it will work for you?

    I have just applied to go on a seminar for ICFBA - has anyone on here heard of them? They are a business group which in theory would allow me to work for them as an associate and may help me in getting work. Not sure if there are any catches though?


    I keep getting emails from them, but have tried to google and can't find anything out. I keep telling myself that there must be a catch somewhere and have seen on another forum that its a bit like timeshare, where you sign up for courses and qualifications.

    Well done on the coaching.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have checked out my cashback status and I am due to get £39 from cash back sites in April which will help - that is on top of offers I do between now and then

    I went out with a friend tonight which was fun - grand cost of £4.50. She has offered to show me what might sell on ebay and get me started. Just need to arrange a time when she's free with her OH. Chuffed about that.

    Spent £97 in Tesco - double ouch!!! theoretically got some bargains on buy one get one frees but even so ouch ouch ouch.
    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 10/10/25
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    gilligansyle wrote: »
    I keep getting emails from them, but have tried to google and can't find anything out. I keep telling myself that there must be a catch somewhere and have seen on another forum that its a bit like timeshare, where you sign up for courses and qualifications.

    Well done on the coaching.
    Thanks Gill -that was my worry....
    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 10/10/25
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oops went out with a friend today and after a trip for coffee and a quick nip into Aldi I am £20 worse off! Oh well at least mostly it was food which will keep.

    I have decided that my coaching niche is going to be "Self Esteem" coaching - as it is a) something that I have struggled to achieve and b) something I know quite a bit about. I now need to work on developing my website and marketing around that. I am also going to organise some new business cards - possibly via somewhere cheap like vistaprint.

    I have also done half an hour in the garden today so feel virtuous. I was given a fire pit a few months ago and am thinking of getting the kids to help me get it out the shed and burning some of what I have chopped down. I think that would be fun for all of us and that they would enjoy helping in the garden and building a mini-safe bonfire!

    Hope everyone else is okay - seem to be neglecting a few diaries at the moment as life seems to have speeded up again....
    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 10/10/25
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    Hi

    you seem really positive about this coaching.

    Good luck with it.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Gill

    Well today I bought some more website names so I can set up my coaching business again... I also coached my first pro-bono client of the year... It's a start!

    Money spent so far on my business venture

    £72 phone
    £42 domain names - 4 for 2 years
    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 10/10/25
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