We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Trials and tribulations of a Debt Free Wannabee!
Comments
-
SH... you're up late. me too actually, forgot to do tesco order... so im doing it now.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 -
Still struggling to sleep so no point going to bed yet! It is ridiculous that I am so stressed over these interview results since we can manage reasonably okay until end August anyway! But I absolutely hate being home all day - I am someone who is normally busy, busy, busy all the time and have a lot of my sense of identity from my work role!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 Guys - still no news re the job!
I have moved some savings to an ISA today tho tripling the interest. It is with my current bank which has the advantage I can manage it online easily and get at it if we need to.
Struggling with motivation for anything today. May do a load of washing to try and get me kick started! It is grey and raining here which doesn't help either! Hope you are all having a better day!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
we had rain earlier till 10am and now sunshine - maybe sun is on the way to u?
its friday ! sorry to hear no news re job.
im doing my ebay photos for my next listing frenzy this afternoon.
catch up later!
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 -
Grey and raining here too - don't you just love the English summertime :rolleyes:
fingers crossed for some job news soon!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Thanks Hypno and MrsC - it is hard to stay positive when news is delayed - I have to keep holding on to they could just be delayed because they are busy and I may still get the job! I would feel better if I had other interviews in the pipeline but they all seem to have dried up! Probably not kept up enough momentum on applying for jobs - but there haven't always been suitable ones to apply for!
On a different subject it is my DD's birthday party tomorrow so will have to go into town later to get the cake! We ended up with only 4 guests which to be honest is more manageable altho disappointing for her! She is also having a play date over later as DS had a playdate yesterday - argh!!!!! But helps me feel a better mum if you know what I mean... She doesn't get this chance when I am working as she is normally in after school club!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.. I've just read upto page 9 or 10 but am feeling tired as DD was up really early!! I skipped to the last page hoping to read you'd got a job and all was fab. Sorry to hear that's not the case, got everything crossed for you. I'll read the rest of your diary when I get a spare hour! lol
Re your post on my diary, if you want to PM me the referral link for ipoints(the amazon vouchers) I'll happily do it if it will earn you extra points.
Well done on what you've achieved so far xx"Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
0 -
Thanks Tigzem - yeah I think if and when I finally get a job - I will post it as a separate thread! I am looking forward to the day but not there yet! Thanks for reading - still not heard back on Tuesday's interview!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 -
popped on to see whether you had heard anything, but reading previous posts obviously not. I hope you hear something positive very soon.
I always think that i would love to be a stay at home mum, but in reality I know I would soon get bored, I am not a 'join every parent group going ' type of person :rotfl:
spent the afternoon gardening, which I really enjoyed, there is alot to do still but it is starting to look better
hope you are all ok
edited to say: happy birthday to DD hope the party went well1 -
Off to a mate's house shortly for coffee (very mse)! Survived my DD's home party - even with only 3 guests I feel like my ear drums are on fire! Boys are just so much easier! One of her little friends was asking for her mum within 5 mins of the party starting... After a sweet - and a game she did recover and then she was fine. My DD also nearly cried at one point as they were trying to say she had been kissing a boy when she only (ONLY) was hugging him!
I told my DS that my DD and her friends thought that his and another of his female friends were girlfriends and that they had nearly kissed! He couldn't believe it! I wouldn't mind but they are making up stories and they all go to the same school LOL!
OH managed to stay out of the way for most of the party - wasn't exactly a lot of support. My sister and her OH have now taken out my kids to give me and OH some peace. Silence really is golden!
Hope everyone else is having a good day! Managed to get 60p on my daily scratchcards today and nearly have enough points for another £5 from Bingoport too - every little helpsAchieve 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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245K Work, Benefits & Business
- 600.6K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards