We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Trials and tribulations of a Debt Free Wannabee!
Comments
-
Hope today goes ok SH, x0
-
Needs must. You are doing the right thing. Some people are plain stupid. Too stupid for their own good. What on earth did they expect.
Hope today was ok and not too unbearable.** 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 -
I also think you are doing the right thing. You didn't feel right about that job from the start.
Let us know how you get on.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Thanks for the support guys! Well finish at lunchtime tomorrow and then go to my interview lol
They wanted me to stay a couple of weeks longer - and described my work as "stunning" and "brilliant" but still weren't prepared to offer me a better contract or reinstate the original contract so had to cut my losses! They are going to give a good reference to the agency so what a mixed message!
The agency told me they'd sort the jobseekers bit out for me if necAchieve 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 -
Well OH weighed himself today - he has lost 3lbs in weight since Saturday and seems to have adapated better to the diet now. I fed everyone meatballs in a home made pasta sauce with miniscule portions of pasta a la diet - and everyone loved it! I thought this was funny since I had liquidised green beans which none of us like and peppers and mushrooms that the kids often won't eat. I also hid quorn meatballs among the real ones and no-one noticed. That meal was more within budget I think - about £3 for the meat and then perhaps a couple of quid for the rest.... So far diet compliance is reasonably good
I have to say spending has gone out the window recently - my spending in my sig is out by over £200 currently I think! Not helped by buying my son an outfit to wear to the funeral. Compromised on black trousers - a bit jean/chino like and a white linen shirt but even that set me back £23!
Anyway bye for now
Posts welcome! Hope you are all doing okay - feel free to share!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 -
The sun has brightened my day, hope it does yours too.
Don't panic about the blip on spending, we all have them now and again. Just rein it back in now before it gets any worse.
Well done on the cheap meal! Sounds nice.** 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 -
Morning SH :hello:
I think you did the right thing at that job & I hope the interview goes well today *fingers crossed*
Also, you made me want meatballs now, veggies ones anyway! xMortgage: Jun 08 £155300~Repayment Made: £4300~Remaining: Mar 10 £151000DFW Nerd 1190
0 -
Glad all has been sorted re job and that agency will sort re job seekers....dinner sounded lovely! x0
-
Hi SH,
Hope not too late to wish you good luck with the interview - not getting a chance to get on here as much, but will try and catch up x0 -
Hope interview went well - good luck
Maggie0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards