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Trials and tribulations of a Debt Free Wannabee!

16667697172270

Comments

  • LittleEmms
    LittleEmms Posts: 540 Forumite
    Good luck on time off!! I think being honest is the best way!
    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/£160
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi well I asked for time off by e-mail and named a personal situation that had occured and just asked for some time off. There has been no comment - I assume it is okay. I did a good day's work today so feel less guilty LOL

    I am up against another person for my interview - just have to hope I win out on the day!

    Well stuck to my diet give or take 200-300 calories.... that is still a lot better than normal....
    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 10/10/25
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Hi well I asked for time off by e-mail and named a personal situation that had occured and just asked for some time off. There has been no comment - I assume it is okay. I did a good day's work today so feel less guilty LOL

    I am up against another person for my interview - just have to hope I win out on the day!

    Well stuck to my diet give or take 200-300 calories.... that is still a lot better than normal....

    Firstly thanks for your pm!!!!! All sorted.

    I am keeping everything crossed for you and the interview - you deserve it!!! xx
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    best of luck - SH - yes i agree honestly best option.

    thanks goodness for the anomity of email though!
    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 #223
  • tigzem
    tigzem Posts: 2,361 Forumite
    Is the interview 2moro??If so good luck xx

    Which online diet thing do you join? I joined Tesco a while ago and thought it was good, but I so need to start again... x
    "Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Tigzem - yes I joined Tesco.

    Hi MrsC and Karen and others... thanks for the good wishes! Interview is day after tomorrow... Also meeting with one of my sisters so that should be nice....
    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 10/10/25
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you all have a great day folks whatever you are doing! Feel free to tell us about it too!
    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 10/10/25
  • Hi SH,

    Hope you have a good day too, good luck for the interview.

    Tea
    x
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Tea!

    Well I got asked outright if I was going to an interview - to which I said yes... She hinted that she was going away to review her options since they need continuity... I've rung the agency and pre-warned them and they will give her a call tomorrow...

    So it may be that I am jobless again after today! Watch this space! I should have been paid by now too and haven't been yet. I also haven't had my last week's jsa yet either... Not going great so far!

    GULP
    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 10/10/25
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Thanks Tea!

    Well I got asked outright if I was going to an interview - to which I said yes... She hinted that she was going away to review her options since they need continuity... I've rung the agency and pre-warned them and they will give her a call tomorrow...

    So it may be that I am jobless again after today! Watch this space! I should have been paid by now too and haven't been yet. I also haven't had my last week's jsa yet either... Not going great so far!

    GULP

    :eek:....how awkward, but at least you were honest and didn't lie. At the end of the day they only offered you temp work and in todays climate we all seek some security. Hope it goes ok. xx
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