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Trials and tribulations of a Debt Free Wannabee!
Comments
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savingholmes wrote: »hi el - paperwork has arrived for new job.
Will be earning about a third less than 18 months ago but much more than I earned in practice last year due to being jobless a lot. References and medical allowing should be able to clear or almost clear debts while have job...
Fantastic news. Well done. Now you can have a wee celebration, you've worked hard to get this.:A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0 -
hi all
Sent medical form off yesterday. The office location is different on the letter to the advert so just clarifyng that.
Withdrew £10 from free daily scratchcards today.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Glad paperwork is through- hope the medical runs smoothly and quickly so you get to the point of the offer being definite.2019 fashion on a ration 0/66 coupons0
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hi jellie and others
Well I was contacted by Occ Health today but after a brief phone call they said they were passing me as fit (that was a massive relief). Wasn't sure they would be okay with my recent absence but it was fine...
So just waiting on my references now - and clarification re location.
Was naughty today - and bought some makeup - which also gave me a "free gift" which I intend to give MIL later in the year.... Also got an extra 150 boots points.
Hope to get final payment from previous job tomorrowAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Brilliant news about the job- well done :j1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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Well done you! Must be a huge relief!!!0
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Great news on the medical!
We'll ignore the make-up ;-)2019 fashion on a ration 0/66 coupons0 -
You deserve some make-up - it will boost the confidence when starting the new job - when do you start?January spends - £587.580
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Hi it is lovely to come onto mse and find messages waiting.
Still don't have a start date but theoretically as soon as references are resolved.... still clarifying location too.
Taken me forever but have now redeemed £10 from woohoo! Putting that towards DD's birthday pressie...
Stayed in today - and did some much needed laundry sorting! Also found the secret pile of where DD had been hiding most of her (mainly dirty) clothes! So busy weekend ahead. OH's study is now tidy but everywhere seems over run by clothes....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Sometimes it seems like the laundry is never ending!!2019 fashion on a ration 0/66 coupons0
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