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Trials and tribulations of a Debt Free Wannabee!
Comments
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I am all excited as I have spent the last 10 days trying to work out how to get a decent looking forum on my site and have finally managed to upload a free one. I still need to do more work on getting my site to look good but hopefully I have now done some of the hardest technical bits.... Just hope that isn't famous last words!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 -
Well I have been offered the job - subject to references and medical so just have to hope my last company don't screw it up for me!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 -
great news, SH!!!
well done!!!
hope all goes well... how will this fit in with ur own work?Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
Well done on the job offer SH.0
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Well done SH...brilliant news.
And in quiet confessional voice I've accidentally hit the spam button and reported you for heinous MSE crimes - also hit unspam button too.
:o:oNow stepping away from the keyboard :o:o
:A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0 -
ha ha ha kissjenn!Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
hi kj, mrsc and se
Thanks for the good wishes. KJ - spam report forgiven LOL
The job has flexible start and finish times and is only 37 hours a week. I hope to fit in any coaching clients in the evenings and at weekends initially. They do say don't give up your day job until your business is established - and that is the rule of thumb I am trying to follow.
The job is temporary anyway - about 11 months or so - but I am hoping that will give me enough time to establish my coaching business too and build up my followers on my blog, twitter etc.... and my own forum that I have sort of got working last night..... The job is linked to coaching too so I hope that it will improve my skills.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 -
I am so pleased for you - it's close isn't it so that the number of hours will feel a lot less. Congratulations!
Maggiem0 -
Thanks for posting!Well done sh. That's great news.
Hi Maggiem - yeah it is a 30 minute walk away (less if I was fit) so may try and use it to get fit if everything goes to plan!I am so pleased for you - it's close isn't it so that the number of hours will feel a lot less. Congratulations!
Maggiem
DS made chilli today at school - it is quite nice actuallyAchieve 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
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