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Trials and tribulations of a Debt Free Wannabee!
Comments
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Just popped in to day hi.x Hope your not in to much pain.x0
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I am pretty confident that I have full function in my knee - it sometimes hurts at night and can be puffy stilll... So doing good thanks!That sounds excellent- how is the pain now?
Read SUMO your relationships today "How to handle not strangle the people you live and work with" - thought it would be good prep for my new job!:rotfl:I am still waiting for the references to come back!:eek: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: »"How to handle not strangle the people you live and work with" - thought it would be good prep for my new job!:rotfl:I am still waiting for the references to come back!:eek:
Have they asked for references yet? Can you check with one of the referees.
It must be so frustrating as you can't really make plans until you know for certain.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"0 -
I read a SUMO book- didn't know there was one about relationships. Might have to search that one out!
Unbelievable that the bus driver didn't stop!2019 fashion on a ration 0/66 coupons0 -
Wow - you've been up to a lot since I last came on
Are you still taking anything for the knee or doing any exercises. I have notoriously dodgy knees all the time!
Hope the references come through soon and good luck with the coaching!1st 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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Hi jellie and imd - thanks for posting
I am not taking any pain killers for my knee just hoping nature does its job. I am doing some knee exercises but not as often as I should.
My new employers rang me earlier - and my last employer only gave me a basic reference and they have therefore asked for another referee so gave them that too. A lot of organisations now tho only give basic references so hope this isn't an issue. They say they are just waiting on that reference now though so hope it goes through quickly and they don't come back requesting any more! I just want to start! It is so frustrating!!!!
Financially I think the first month's money will understandably be swallowed up in April and May's living costs so it will be at least the second month I think before I can start to make a dent in our debts again. It's frustrating too as it is my 40th next month and DD will be 7 so need money to fund some activities and pressies there too
I just feel in complete limbo land especially as I could literally start tomorrow once everything is in place....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 -
Job finally unconditionl! Can celebrate at last! Can start next Tuesday! Phew what a relief!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 -
:j:j:j:j:j:j:j:T:T:T:T:T:T:T:T:T
Wahoooo, brilliant news SH
:idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
Fab news.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
savingholmes wrote: »Job finally unconditionl! Can celebrate at last! Can start next Tuesday! Phew what a relief!
:j:j:j:j:j:T:T
About bloomin' time BRILLIANT NEWS 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"0
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