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Trials and tribulations of a Debt Free Wannabee!
Comments
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Sorry you are not enjoying it more - Are you still applying for other roles?Thanks for asking, its 20 hours but the time drags by. Its going ok, not setting me on fire but its a job.
LAchieve 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 -
yay for holidays... nice one SH, well u know me an holidays...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 -
No as it fits in with the children. There is nothing out there job wise as I am limited to what hours I can do.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Try survey sites and places like my offers (join via cashback site) and on your (joint) income you will probably be offered a free Timeshare holiday of some desc - we are going on another of these types of holidays in Cornwall for free at the end of August!:jyay for holidays... nice one SH, well u know me an holidays...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 -
So sorry to hear you didn't get the job. Hope you get some better news today re the interview yesterday - fingers crossed.
I'd be annoyed as you re the other job, sounds like they were just going through the motions they have to be seen to be doing but knew who they would give it too. So frustrating but to be honest, much as the job would have been great, it doesn't sound as if the people would have been fun - they had their favourite if you get what I mean.
Great news on the holiday - it would be lovely if you all get a nice break together.
Must get on and work. Speak later x0 -
Hi Karen and other readers... Well today is signing on day again. Need to submit to final mileage claims - still not been paid previous expenses which I think is really poor!
Need to try and do some tidying up! Just taken over an hours of sorting to find my JSA book (oops!). Will go and pay in cheque from MIL today.
DS has last SATs test today so at least that is nearly over... Need to look for more roles to apply for. Still waiting to hear re yesterday's job too!
Hope you all have great debt busting days and thanks for reading!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 all - well they LOVED me yesterday and I have been invited back to meet the team on Monday!!! I've also managed to talk up the value of the job by a couple of K so that should help - still not quite what I wanted but better than nothing! Not in the bag until after Monday's visit tho so watch this space.
The manager was very impressed with me - and would give me some of her project work too which will help with my CV! I've just rung the after school club - they can look after DD Monday and are happy to reinstate her place asap if I get the final offer!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 -
Yay :T:T:T:T:T:T
What's not to love.....they must know what we all know.....:A0 -
Fabulous news SH! Fingers still crossed, and getting very sore now, ha!0
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Everything crossed for you..... I'm away next week so won't find out til friday...xx"Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
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