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!

17374767879270

Comments

  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    OMG!! SH what a nightmare day, surely it can only get better from here

    hope you hear about the interview soon
    and fingers crossed that the cars dont cost too much
  • Raini
    Raini Posts: 471 Forumite
    100 Posts
    Hi SH, Sorry about you day from hell (am I allowed to say you told it very amusingly though?!) hope today went as well as it could.

    *Hugs* x
    Mortgage: Jun 08 £155300~Repayment Made: £4300~Remaining: Mar 10 £151000
    DFW Nerd 1190
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi too little emms, mrs C, SC, Raini! :TThanks for your posts.... Raini - I did try to make it a little funny - sob sob doesn't actually attract many readers LOL!

    Today was actually as good a day as it could be - so your good wishes came true. :A We got to the funeral 20 mins early despite setting off fairly late morning and stopping for a toastie on the way. The relatives at the funeral were really pleased to see me as originally I had said I might not be able to make it. The service really was a celebration of life rather than grief so that was nice. We chatted with relatives we'd not seen in years and the church put on a fab spread. We set off home about 7pm and have not long been in. We met up with my brother at a service station which was really nice - and he bought us all drinks bless him! :cool:We had quite a good laugh with my sis and her partner on the drive to and from and my son - generally enjoyed the day!

    My MIL is taking my DD to school in the morning and my DS will probably just go in late - not sure about that one. OH will need to go on his motorbike to work as still not got confirmation that his car is fixed! I haven't dropped my car keys off yet - but my Dad thinks it could be quite expensive to resolve.... So far I have only agreed to pay £55 for a diagnosis... I am sure I will let you all know more once I know:eek:

    Not heard back from interview yet :confused:but the agency and the interviewer kept missing each other in phone tag so as far as I know no-one has been told the outcome yet....

    Hope you all have a good day tomorrow - and thanks again all for posting - it really does make a difference:A
    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
  • LittleEmms
    LittleEmms Posts: 540 Forumite
    Glad to hear the funeral was ok, and like you said it's nice when its more about the celebration of a life. Also nice you got to catch up with some relatives.

    Fingers crossed on the interview!! No news is good news IMO!!
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Hey SH,

    Glad all went ok yesterday. Really hope you hear back from the interview today, keeping everything crossed.

    K xx
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not heard re interview. OH's car came in at £144 so could be worse... Don't have a diagnosis yet for my car....

    Need to ring agencies and do all that kind of thing but just feel completely washed out today. Also need to make a new job seekers claim.
    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
  • maggiem
    maggiem Posts: 1,970 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Be kind to yourself SH - you've had a very emotionally draining two days not to mention all the hassle with the job! Anyway you can spoil yourself a little? Chocolate and wine works for me!

    Maggie
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Maggie - have just vegged today! Diet still going well tho - have lost 5lbs since started just under 2 weeks ago so that is something at least!

    Tomorrow is a new day - fresh start!
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Well done on the weight loss SavingH, that is fab!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI guys well I didn't get the job I went for the other day - despite the person who was offered it turning it down! Oh well I am sure something good will come up soon!
    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
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.