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Trials and tribulations of a Debt Free Wannabee!
Comments
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Swinstie73 wrote: »Good luck with the inteview savingholmes :j
Hope the drink was of the non-alcoholic variety
Thanks Swinstie - yeah we are talking about a can of sprite here! I got 12 cans for the price of 6 the other day from Mr Ts so I thought that would be good for lunch. I find I don't drink enough during the day otherwise.....
I get paid Friday - including my bonus - can't wait :j I also bit the bullet and queried my boss on the bonus amount and like Oliver asked for more LOL:money: I can but try!!! :rotfl:
On the debt busting front it is frustrating as normally I try to pay off / stooze at least £1K a month but this month because I need to try and make my pay last as long as possible I will only be able to pay off :wall: £205 . I know I should be grateful :rolleyes2 that we can still meet our minimum repayments but I so wanted to just blast thro the debt as quick as poss and then make a start on repaying our "interest only" :rolleyes: mortgage.... Somewhere there is a student loan out there as well waiting to rear its ugly head - they have never asked OH for £ and since we are curently prioritising our CCs we have never contacted them!
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 -
Just caught up with your thread - you sound like you're doing a fab job!!!!
Best of luck with the interview tomorrow- I'll keep popping back to see how you get on x
20p Saver Club #33 60p/£100
Christmas Saving £0/£1300
Saving Target 2014 £25/£10000 -
Hi brummiebabe and others - nice of you to drop by.... Thanks for the encouragement!:A
I am getting the rest of my bonus!!!! :j :j :j It's been agreed - shows it is always worth asking! :money:I am thrilled to bits its worth quite a few hundred pounds extra!
I have been put forward for another couple of jobs today - I think 1 perm, 1 temp... :j I'll let you know if there are any other developments....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 -
Hope you don't mind me popping in and reading your diary, i'm nosey by nature and you gave me some great advice on mine so thought what else can I learn from you.....;)
Good luck for the interview tomorrow and congrats on the bonus :T
I had to laugh at the post re laptop and your OH....men eh :rolleyes:
Thanks again for your advice,
K x0 -
Hope you don't mind me popping in and reading your diary, i'm nosey by nature and you gave me some great advice on mine so thought what else can I learn from you.....;)
Good luck for the interview tomorrow and congrats on the bonus :T
I had to laugh at the post re laptop and your OH....men eh :rolleyes:
Thanks again for your advice,
K x
I must admit I have been naughty tonight... Even tho I have an interview tomorrow or perhaps because I do I feel mega stressed - just can't relax.I think because it has turned around so quick.... I haven't really done any research into the company yet but it is quite a high flying role so I need to have done so by tomorrow!:eek: Anyway the bottom line is I've been to the shop and spent just under a tenner on 6 packs of crisps, 6 easter eggs and some fairyburst dishwasher tablets :rotfl:
To redeem myself I have been answering some questions for people on the redundancy board- don't want my talents to go a-wasting
My daughter wrote me a lovely note earlier telling me how much she loved me and signed it from "your dort"aawww bless. She's 5! She's told me she doesn't want me to get a job - she wants me to pick her up from school.....:eek:
Oh well bye for nowAchieve 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 SavingH,
Best of luck with the interview today. What a cute note from your daughter. She sounds gorgeous.
Let us know how you get on
xxxTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Good luck with the interview!!Total debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
0 -
Thanks for the good wishes! :T
Been cramming for my interview this morning in between doing bits for my day job LOL! I think I understand what the company do and where I fit in.... it would be the next step up in my career I think that is why I was finding it so scary.... I've sat down tho and worked thro the job spec to see how my experience fits.... there are probably a couple of patches I am a bit woolly on but overall I think in terms of culture, knowledge, experience, skills etc it should be a good fit.... just have to convince them now! Keep telling myself to have got an interview they already think I can do the job so I just need to persuade them that I am the best for the job....:p
Think I may be naughty and have dinner out at a cheap carvery near us - got to keep your strength up you know.... I hope it will calm my jitters too! Tried on 3 different tops so far and 2 different suits and still not satisfied...:rotfl: It might help if I lost some weight :rolleyes: I have decided to go with plain black and cream but accessorise with a little colour... - now I am panicking about where those accessories are! :eek:
I like to take a briefcase with me with my portfolio and normally that has my professional membership card in it - but I don't know where that card is either :eek: :eek: Tidying up for the MIL at weekend is all very good but not if you can't find anything afterwards :rotfl:
I bought a book using free amazon vouchers from bingoport but can't find that either... that was supposed to be about helping me with my job hunt... You might get the slight impression here that my house is not too tidy.... I confess - I have a cleaner - I sent her away today tho as my house is not tidy enough to clean and I needed a clear head to prepare for this pm! :eek:
Oh well that is life.... I supposed I'd better start my treasure hunt... I'll report back later!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 -
Have now found portfolio, card and accessories so things are starting to improve - off for some lunch now!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 -
All the best for your interview savingholmes, I'm sure you will knock em out! You sound very organised, haven't been for much interviews so can't offer any tips - still think I got my current job cos I said something silly at the interview - it made them laugh tho!0
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