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Trials and tribulations of a Debt Free Wannabee!
Comments
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Hi all - well I am finally going to take those £50 shoes back for a refund. I am going to see if there is anything nice I can have with my vouchers from M&S - I already have a £9 gift card and then it will be time to pick up kids from school!
I have also applied for 2 jobs.... So that has made me feel a little less stressed and a little more in control. I have also found another role I could apply for but they have a large application pack I really need to read thro first!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 -
Hi MrsC - sorry you must have posted this while I was replying to GG and I didn't scroll back up until just now! Thanks - I hope you are right on it being okay! I should get the job but will I? Argh!!!!!!!!!!!!!!!:snow_laug im sending u a snowman. not sure why exactly but maybe it cheer u up. there is no nice hug one which is a shame!
it will be ok - it will!
Anyway - been to town shoes refunded nothing new bought - result:money:Off to get kids from school now!
I have also just tried the "thank you note" technique re the interview... I will let you know whether it works or not!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 -
Hi SH,
Got the scratchies sorted, got another 10p today, woo! Heard on another thread that the TAB ones were getting put into bonuses or something! As long as I got my £20 refunded that's ok, just hope they don't cotton on - might have to play bingo just to stop them from closing account!
Any news on the interview??0 -
Hi Swinstie - my TAB one is still working okay but it seems a lot aren't!
Re my interview - the agency is going to forward my thank you note to the interviewer. He did try to get hold of the person for me to get feedback but hasn't succeeded yet! EEK! So it looks like I am going to have to wait a little while longer yet!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 -
well I decided to use some of my scratchcard winnings to have a go at playing bingo - bought 2 tickets for 25p each and won £5! Woohoo! Every little helps!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 -
Ah the "thank you note" approach.. .yes i like that - you're good sh!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 -
It's in a few books to use this approach but also was recommended it by an outplacement consultant who used to be a headhunter. When he did some research of his own most of the successful candidates he spoke too had used the "thank you" note approach - so here's hoping it does the trick for me!;)Ah the "thank you note" approach.. .yes i like that - you're good sh!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 -
Hi,
Keeping fingers crossed for you and applauding your brilliant preparation - (can't find crossed fingers) :T
Maggiem0 -
Thanks Maggiem for posting and the positive thoughts!
Feel completely off my stride - just want to know - or more truthfully just want it to be a yes!
OH got us a chinese for tea - struggling to stay focused... but at least £10 a day challenge will help cushion it...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 -
Well I now have the problem with TAB that others have had with the free scratchcard going into bonus rather than real money - so I have cut my losses and withdrawn £8.54 now while I still can!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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