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Trials and tribulations of a Debt Free Wannabee!
Comments
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Hi SH,
That's rubbish you still haven't heard, I suppose no news is good news as they say! Will pop on later to see if any news, but don't suppose there will be tonight! I have won a grand total of 70p on the scratchies, woohoo! Keep hoping for a fiver, ha!0 -
Hi Swinstie - thanks for popping in - yep got 20p from scratchies today too but £5 from bingoport....
DS's SATs seemed to go okay - he is happy enough about today anyway.
A poss job has come up - 4 day week - okayish money - would end up with more pay for the 4 days than the role I mentioned earlier - altho less than last week's job...
I just feel really frustrated! At least if I was working again on any job - we could make real progress on clearing our debts!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 -
we had maths sats today - 2 papers
tomrrow english sats... hmmm
hope they do ok!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 -
Go for it savingholmes.They say it easier to get jobs when oy already have one. don't know why, perhaps it just keeps your hand in with new things. and perhaps you look better on your CV when people want to emply you.unsecured Debts at [strike]August 2007 £79,984[/strike] September £79,579 [STRIKE]Snowballing date July 2013[/STRIKE].
May 2009, £76,772 unsecured debts
DMP started Dec 2008, End date at start 2133!0 -
Hi MissKJ - will have to see what today brings. My e-mail isn't working - so will have to ring one agency and give them a different email address as otherwise they can't send me the job spec.
DS had science yesterday.
Need to get house straight as MIL may be coming tomorrow as it will be DD's birthday. Need to finish wrapping DD's pressies!
Hope everyone else has a good 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 -
Morning SH,
Hope you get some news today, you must be on tenterhooks everytime the phone rings or an email pops in! Still keeping fingers crossed x0 -
Hope you get some news today xx0
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anything? any news?
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 -
No news - the person dealing with it at the agency is off until tomorrow - so I hope I may hear something then.
Met a friend for coffee and lunch so that was a positive spot in my day. I also went to charge up my DD's birthday present only to find that the adapters didn't fit the DS I had. I have therefore had to return the pink accessories to Amazon and just buy a basic charger in town as they didn't have what I wanted - what a palaver!
Decided to get DD some DVDs to make up for it - some from MIL too - still need to wrap them all!
It is nearly time to get off to school again - can't believe how quickly the day goes. It is a lovely bright shiney day today tho - but I jump every time the phone rings....
Hope everyone else is doing okay?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 -
STILL not heard re last week's job!
It does look like I have an interview for a 6 month job tomorrow and I have also been put forward for a different 4 day week job - so at least that is something positive!
Off to help a friend do a bit more packing then need to try and get house shipshape as MIL coming for a birthday tea with DD! DD was thrilled with her Nintendo DS - she asked me if I had had it a while because she didn't think I could afford it at the moment - bless! She seems to like the junior brain training best so far so that is cool! She was so excited at school yesterday - her teachers were a bit worried about what state she would be in today!
DS felt yesterday's sats went okay - he has more today! Not right for an 11 year old to have to do an exam every day for 5 days! We never did!
Right best get off! Have a good day everyone!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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