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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
    Hello!

    Thinking of you and wishing you to knock 'em dead at the interview today. Well not literally, as you need them alive to offer you the job!!!

    Totally convinced that new 'do and new kecks, will be a very worthy investment.

    PS - I did get a 2nd call back for the job I thought I had flushed down the pan.
    ** Proud to be dealing with my debts **
    LBM - Jan 2009 _pale_ : £24,802.21 :eek:
    February 2010 :silenced: : £18,078.47 (not including OD)
    July 2010 :( = £16,819.34 (not including OD)
    January 2012 :mad: = £14,338.75 (not including OD)
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Hi SavingH,

    Really hope the interview goes well for you today.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you Maggiem for coming out of lurkdom to wish me well! :AThanks too to Lucielle, CMD, Swinstie, Hypno, Golden Goose and others who wished me well earlier. :T

    I felt I did my best - now I am just waiting to see what they made of it! I managed to say everything I wanted to in the presentation and gave them tons of examples of how fantastic I am. Just have to hope I beat off the competition!

    Well done GG on getting to 2nd interview on the job you thought you'd blown!:j I found out at lunchtime that I had NOT got thro to the next stage for an interview I went to a couple of weeks ago now.:o

    I so, so, so hope I get the job I went for today - it is a step up but I feel I am ready - just hope I demonstrated that to them! This was the final stage too so after this there would only be medical and references to get thro.... which shouldn't take long!
    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 10/10/25
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    I really hope this comes through for you, I shall keep reading your diary to find out.

    piq
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Piquant - if I get it I will be celebrating with the best of them - if I don't I am afraid I will be sobbing in a corner for a little while!

    Thanks for posting - it does help knowing people care...
    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 10/10/25
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Thanks Piquant - if I get it I will be celebrating with the best of them - if I don't I am afraid I will be sobbing in a corner for a little while!

    Thanks for posting - it does help knowing people care...

    I always follow your diary, just haven't inputted as much recently. I had a bit of a mishap and put my shoulder out of action for a while. So typing was a hit and miss affair!

    I feel very strongly that you deserve the jobs you go for, if your determination is anything to go by! I would employ you in a moment!
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Piquant wrote: »
    I always follow your diary, just haven't inputted as much recently. I had a bit of a mishap and put my shoulder out of action for a while. So typing was a hit and miss affair!

    I feel very strongly that you deserve the jobs you go for, if your determination is anything to go by! I would employ you in a moment!
    Thanks Piquant - I always wonder who is reading :D and what on earth they make of it all :rotfl:Sorry to hear about your shoulder - hope it is okay soon

    Thanks for the positive encouragement!:T I know I could do these jobs - it is just getting them to believe I am right for them!:o that is the big challenge
    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 10/10/25
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Glad it went well SH. Keeping fingers crossed for you - i'm sure you'll be getting that phone call soon enough!
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi still don't know the outcome but spoke to the agency. Apparently one person was internal and had much lower level examples than me. Another person in their feedback told the agency they felt they had fluffed it a bit and been thrown off stride! ;) He said I should have a really good chance of getting it as I was the stronger candidate going in there and felt it had gone well! EVERYTHING crossed now LOL! :rotfl:

    He is not sure when they will come back to me but will let me know as soon as!: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 10/10/25
  • Hi SH,

    Fingers crossed for you that you get the job that you are after.

    Tea
    x
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