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Trials and tribulations of a Debt Free Wannabee!
Comments
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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!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
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 £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 -
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 £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 -
: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!:AAchieve 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: »: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
;)....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.
0 -
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
mrscmrHighest 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 -
Thanks Karen - I agree on the "don't do housework day" thing - shame it is almost every day in our house tho!:rotfl::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;)....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.
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 £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 -
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 #2230 -
Now you really do have a funny sense of humour... you couldn't afford the rates I'd charge for ironing :rotfl:my ironing?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 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
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 -
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
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