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Trials and tribulations of a Debt Free Wannabee!
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Happy birthday:bdaycake: Hope you have a lovely day and a good interview with your glam new image!Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
Happy birthday! Hope you have had a good day!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
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:bdaycake:_party__party__party_Happy birthday!!!!!!!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 -
thanks for the birthday wishes guys! To be honest I have had an exhausting day. Up at the crack of dawn to go to an interview plus pre and post meeting with an agency who made it very clear how much they want the commission LOL! I didn't get the feeling I was going to be offered the job but anything is poss. Looks like I will have started Tues job before I find out about today's role tho....
I then got asked to a telephone interview by another agency for another role - which I had today too for about an hour. Plus about 6-7 phone calls from various agencies. My CV is certainly attracting attention but other than Tuesday's job nothing is moving quickly enough.
Going out with OH for a meal next while kids have a chippy tea! Still not had any pressies (other than thro post) as today has been so hectic! I have definitely passed the checks to start a temp job Tues tho just earning considerably below what I want but it is something at least...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 -
Birthday time!!! hope u had a great day for lots of reasons! fingers crossed for good news about your job!
have a lovely evening - hope u get spoilt!
mrs cmrxxHighest 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 -
Happy Birthday SH! Sounds like an exciting day all round! Hope you enjoyed/enjoying your meal out! x0
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Hi meal out was nice - but saddo that I am - back on here LOL!
Tomorrow need to get GP appt for DD for exzema it is really really bad. Need new medication for her b4 I start my job. Have feedback from THE job a few weeks ago - tomorrow too - will try to convince her to consider me for future vacancies based on my strong interview performance. Then planning to go back to bed and REST which has been in rather short supply recently!
Only had 4 pressies today but that busy - only got time to open 2 with the kids... - other 2 will have to wait until tomorrow now LOL!
Got to £10 on a scratchcard today so that was a nice birthday surprise and did get sent cards with some dosh in from family....
Need to finalise all my interview expenses claims tomorrow and return my JSA booklet to the DSS as unless I get an alternative offer tomorrow, start temp job Tues...
Bye for now and thanks again for popping in.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 -
I have decided to celebrate Tuesday's job woohoo - instead of getting all hung up on I wanted better LOL! I will be weekly paid but will try to just average payments regardless!
Also I have been number crunching. I want to be debt free by the time I am 40 (next year) - to achieve that I need to be really focused on kicking the debt in to touch. My target to pay off each month is therefore going to be £1200 or more. That would bring me £7.2K closer to being debt free (over 6 months)! The job is initially for around 6 months so I intend to leave my savings where they are for now. OH is going to try and move one of 0% cards to a new 0% if he can when it expires in July which should help!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,
Sorry that I missed your birthday yesterday, hope that you got some nice presents and enjoyed your meal out.
Well done on the job interviews and on getting the other job, it might not be what you are after at the moment, but you never know what's around the corner.
Tea
x0 -
I'm 40 next year too, and am determined to go into my next decade without any debt apart from my mortgage.......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
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