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Trials and tribulations of a Debt Free Wannabee!
Comments
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Thanks Swinstie and CMD. I have an interview Thursday for a REALLY REALLY well paid job - for up to 12 months which would be much better. My outplacement consultant says I should accept the bird in the hand one tho even while I go for other roles...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 -
roll on thursday.. really hoping it works out well for u - fingers crossed.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 -
Fingers crossed for Thursday SH - x0
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Oooo decisions decisions - am keeping my fingers crossed too for you for thursday!!!LBM - 17th November 2008 - better late than never :rolleyes:
Challenges - 2009 - Reduce CC to £1k by December
June - Food £86/£130 * Petrol £50/£80 * Weekly allowance * £80/£1600 -
Amazing. Lots of happening for you, all is good. Let's hope Thursday ends up being like Christmas come early.** 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)0 -
Hi guys - I literally have spent today tearing my hair out and turning my house upside down trying to find docs requested by yesterday's company! I have also had a whole series of calls from them clarifying things while they ultra check me out!!! Plus various calls from other agencies about potential opportunities. Plus fitting in picking up the kids etc! It has been a nightmare today and I have literally just had my lunch!
I feel like I am spinning lots of plates. I have just been put forward for a perm job on mega £ that they have been trying to fill for 3 or 4 months. I considered it previously but there was too much travel and not enough money - now tho they have slightly reduced the travel altho it would still be a lot and significantly upped the money..!
GG - Thurs is a significant day in my annual calendar anyway LOL!
Bye for now folks and thanks for reading. I need to try and stop my house looking like I have been burgled....! Pref before my OH gets home!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 -
haha i have images of you running around spinning plates like in the circus!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 -
I've made or received over 25 :eek: calls today - compared to a more normal 3 or 4. My ears hurt! Just packed dishwasher.... Now need to do DD tea. DS has gone to a friends and OH is stuck in traffic which might be just as well!haha i have images of you running around spinning plates like in the circus!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 -
wow SH its really happening at your end I hope something good comes from it all .
I have won £25 :j:j never won anything before
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Wow SC what did you win it on?
It has been such a busy day... Now got curry cooking - altho DD would like rice and ham...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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