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Trials and tribulations of a Debt Free Wannabee!
Comments
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savingholmes wrote: »Hi Shelley - I think I posted the link on the paperhat thread once LOL Nice to see you on here!
I've added your diary to my subscribed threads. I don't read the diary page on DFW to often just follow a few. Otherwise I end up losing hours reading many diaries and they move so fast :rotfl:
Any news on the jobs. Everything crossed
Looking for the perfect home and saving to make becoming a MFW easier
MFiT3 48103/50000 Saved So Far :j0 -
Hi guys - well I had a reasonably relaxed day and met a friend for coffee today. I then got already for an agency interview and set off only for them to cancel/postpone it just before I got there! Majorly irritating.
Generally I am doing okay altho everything seems to be hitting us at once / I'm off so notice it more... Bought a £13 special wire thing to try and unblock sink today, we have a ballcock that needs replacing in the loft, I need to paint 2 doors etc etc etcAchieve 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 know what u mean, SH. its like life saves up all the little troubles to present us with a massive downer ... i just take one thing at a time ... but there are only so many times you can keep getting up!
hugsHighest 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 #2230 -
Too true!i know what u mean, SH. its like life saves up all the little troubles to present us with a massive downer ... i just take one thing at a time ... but there are only so many times you can keep getting up!
Off to your diary now to catch up on the latest with you1 
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 -
Well I have lots of jobs to do today - like empty my car so I can sell it for scrap.... you can imagine not easy to moivate myself to do....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 -
Not done anything about my car yet.... Been out for a couple of hours to a friend's leaving party..... Feel really, really down today - hoping that it is just a time of the month thing but not sure....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 -
Chin up SH, I know that it's tough at the moment but it will get better. Promise
You're not in this alone xx
*hugs*
Mortgage: Jun 08 £155300~Repayment Made: £4300~Remaining: Mar 10 £151000DFW Nerd 1190
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SH do you or anybody on here know anything about the survey sites? are they worth doing if so which is the best one to join?
thanks
Hope you are ok SH lets hope the difficult times are in the past now x0 -
Thanks Raini and SC
SC - I have done light speed, valued opinions and others - light speed you can cash out quickly - valued opinion you can't until you get to £10 - I have been stuck at £7 for ages - as I couldn't be bothered! The problem with surveys is they take 2-3 times how long they should....
You might be better with dooyooo - and write reviews... I could refer you if you like.... You can get amazon vouchers with bingoport if you are not doing that yet - pm me your e-mail and I will refer you... it is worth it!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 -
SH I have pm'd you 0
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