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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    lucielle wrote: »
    Hope you manage to find some jobs to apply for. They are like hens teeth where I live and also like you feel very fed up.
    L
    Hi Lucielle - Thanks for posting - hope you get something soon too! The job market is HORRIBLE currently isn't it! I've been applying for jobs for 4 months now and I've kind of lost my get up and go!

    Just made myself ring 3 agencies - going thro the rest of my phone contacts to see if they've got anything - before I go pick up the kids! I have organised a hair appointment for 11.30 Thursday so that should cheer me up and make sure it looks good for interview next Tuesday! Last night I also gave in and used some clubcard tokens to order a subscription to my favourite magazine - Psychologies.... :j

    Oh well back to phoning agencies I suppose! :rolleyes:
    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 16/1/26
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh well rang another 4. Only 1 of them has anything altho that is further away and lower money than I want to earn.... Probably will apply anyway - I've asked him to ask for more dosh for me. can but try!

    I've found some roles on the internet I should apply for - will try after kids in bed! Now going to watch Wild Child again - this time with the kids. My DS is feeling poorly today but still went to school. He says he really likes me being home so I told him to keep telling me lots as I am so BORED!
    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 16/1/26
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :jI just got my 4th medal (at 2000 posts) - woohoo!:j

    Kids liked Wild child too! Roast beef again for tea yum - made it last 3 days okay! Need to perhaps do extra veg! Might make DD something else - she's not that keen so don't want to waste it on her LOL!

    House still a tip, it is still raining so no progress on garden either... Need to do some more work on job hunting when kids are in bed. Hope you have all had a good day!:A
    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 16/1/26
  • Karen_30
    Karen_30 Posts: 823 Forumite
    savingholmes wrote: »
    :jI just got my 4th medal (at 2000 posts) - woohoo!:j

    Kids liked Wild child too! Roast beef again for tea yum - made it last 3 days okay! Need to perhaps do extra veg! Might make DD something else - she's not that keen so don't want to waste it on her LOL!

    House still a tip, it is still raining so no progress on garden either... Need to do some more work on job hunting when kids are in bed. Hope you have all had a good day!:A

    :T:T:T Well done you:T:T

    I need to get sorted on the food side of things, although should be ok as on a diet so can't eat any ;)

    I'm being lazy on the couch, it's don't do housework day.....isn't it :confused:;)....OH is out on a walk in prep for his trip to Scotland in couple of weeks so I get to laze about and then pick him up a bit later....bliss.
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    ooo a medal... im a million years from getting a medal!
    i did ironing and watched little house on prairie!
    its sunny here. homework all done, tea done, kids on mario kart [i hate it] bound to end in disaster!
    have gd evening
    mrscmr
    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 #223
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Karen_30 wrote: »
    :T:T:T Well done you:T:T

    I need to get sorted on the food side of things, although should be ok as on a diet so can't eat any ;)

    I'm being lazy on the couch, it's don't do housework day.....isn't it :confused:;)....OH is out on a walk in prep for his trip to Scotland in couple of weeks so I get to laze about and then pick him up a bit later....bliss.
    Thanks Karen - I agree on the "don't do housework day" thing - shame it is almost every day in our house tho!:rotfl:

    Enjoy your time to yourself. You crave it when you are working, but now I'm not I just want to get back to work! I still want it to be the right work tho and am not prepared to lower my standards too low. Just hope my strategy works! At least I have an interview next week but I am going to be so gutted if I don't get the job! Still not heard back on last weeks job - I think I might pluck up courage and ring the agency on that one tomorrow. See if they've had any feedback yet....:eek:

    I SOOOOOOOOOOO need a job! Pretty please, someone, job ???
    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 16/1/26
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    my ironing?
    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 #223
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    mrscmr wrote: »
    my ironing?
    Now you really do have a funny sense of humour... you couldn't afford the rates I'd charge for ironing :rotfl:
    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 16/1/26
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I found a new gismo! I've joined the debt free by a birthday challenge. I am 40 next year so really want to be credit card debt free by then! So based on £205 payment in next few days, that is 1.3% closer to my goal! I so hope I get a job soon - or my tracker won't move much at all :confused:

    debt.png
    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 16/1/26
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    mrscmr wrote: »
    ooo a medal... im a million years from getting a medal!
    Only 500 more posts LOL!
    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 16/1/26
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