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Trials and tribulations of a Debt Free Wannabee!
Comments
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Thanks CMD and MrsC - still trying to work out what excuse to use to get the time off:doh:!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 think a sick day is the best excuse. You have already said that you don't care if they sack you so I think that is your best bet.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Possibly... I still may need the agency that put me there in future tho so don't want to upset them.... Hopefully wouldn't need them for at least a year tho....!clearmydebts wrote: »I think a sick day is the best excuse. You have already said that you don't care if they sack you so I think that is your best bet.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 -
You have to do what feels right for you. I had to leave a job a week in because I got a better job. I felt really bad, because I work in the the voluntary sector and know that they don't have much money for advertising etc. But at the same time, I was supporting OH in uni and needed as much money as possible.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Well done you. Hope the interview goes really well for you.
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 -
Hi CMD - yeah tricky - I can cope with leaving once I know I have the job but it is the disloyal feeling while still working there that is trickier! While sorely tempted (still) to just walk out it doesn't seem very mse :money:to turn my back on more money in a day than I could get in a week from job seekers.... (especially as they job seekers people wouldn't give me any if I left)...clearmydebts wrote: »You have to do what feels right for you. I had to leave a job a week in because I got a better job. I felt really bad, because I work in the the voluntary sector and know that they don't have much money for advertising etc. But at the same time, I was supporting OH in uni and needed as much money as possible.
At the same time to turn my back on 25% more money would be stupid!
so I need a little red book of excuses....- My aunt is terminal with cancer - considered using that one but seems rather callous - could make it true by visiting her while down there
- There is the kids are ill thing - but that makes you look unreliable
- There is the personal business thing - but highly suspicious and could be turned down
- There is the package/delivery arriving thing but really I need a whole day and they know I have an OH so not that credible
- There is the mysterious something's come up think I have to deal with - but like CMD says - what if they say no you can't go?
- There is the truth - but that is likely to bring a swift conclusion to my role???
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 defo wouldn't use the aunt excuse. I wouldn't be able to. I would still be inclined to use the sickness excuse.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Thanks CMD - would be interested to hear if anyone else has suggestions... My problem is I can't keep a straight face when I lie... and similarly you would hear it in my voice. When I needed time off for this week's interview I sent an e-mail!:rotfl:albeit in good time!clearmydebts wrote: »I defo wouldn't use the aunt excuse. I wouldn't be able to. I would still be inclined to use the sickness excuse.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, I think I'd go with the sicky but I am quite good a fibbing! (Obviously not something I put on my CV!)
Well done on getting so far with the job! Every time I pop in you seem to have just had an interview or just going to one! You're an inspiration!
:T
Mortgage: Jun 08 £155300~Repayment Made: £4300~Remaining: Mar 10 £151000DFW Nerd 1190
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Thanks Raini - it is nice to meet another of my lurkers!:T I have had quite a few interviews - partly because most of the roles I apply for have 2 or 3 stages each! The biggest guilt thing is that I have a meeting booked first thing that morning....Hi SH, I think I'd go with the sicky but I am quite good a fibbing! (Obviously not something I put on my CV!)
Well done on getting so far with the job! Every time I pop in you seem to have just had an interview or just going to one! You're an inspiration!:T
without that meeting I would feel less guilty!!:p 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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