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Trials and tribulations of a Debt Free Wannabee!
Comments
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On a debt level - now at £15K and £5.7K savings - so net debt currently £9.3K! woohoo - that is £4K better than when I started this thread!
Sadly however we are likely to need to start using those savings shortly....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 -
savingholmes wrote: »On a debt level - now at £15K and £5.7K savings - so net debt currently £9.3K! woohoo - that is £4K better than when I started this thread!
Sadly however we are likely to need to start using those savings shortly....
Well done on the debt reducing Saving H, you are doing so well. I really hope something else turns up for you before you have to use your savings.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Thanks CMD! :Aclearmydebts wrote: »Well done on the debt reducing Saving H, you are doing so well. I really hope something else turns up for you before you have to use your savings.
I just found out I have been shortlisted for the next stage from the interview last week. I think the client then selects between 3 or 4 of us to see for the next stage so it is still not guaranteed that I get to the interview itself.... :j shows I still have that interview capability tho.... Used amazon vouchers from bingoport this weekend to buy a DVD on interview skills... I watched it today. Nothing outstanding in there but I think I will watch it again and see what else might help.... Really I think I need to practice responding to interview questions with friends and family but in reality it is not that easy... and I worry it could make me sound more stilted rather than less!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 -
Good luck for the interview.
Brilliant result on the weight and the chicken sounds yummy :drool:
Fingers crossed a new job before using the savings but its fab that you'd got the savings pot just in case :jLooking for the perfect home and saving to make becoming a MFW easier
MFiT3 48103/50000 Saved So Far :j0 -
Fantastic interview news, well done and all the best on the day.
It's so difficult to practise interviews. Do you know if it's competency based?:A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0 -
HI shelley and jen
It will probably be competency based but you never know... I have been to some interviewers where the interviewer carried on answering e-mails, phone calls etc while so called interviewing me...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 -
savingholmes wrote: »HI shelley and jen
It will probably be competency based but you never know... I have been to some interviewers where the interviewer carried on answering e-mails, phone calls etc while so called interviewing me...
Clearly a highly professional company! Did you walk out?
I think I need to practice my answers with someone. So hard to answer the most simple q of all........ so tell me about yourself?
GG : Well I like Greys Anatomy, though I dont have the stomach to be a nurse........
Hardly going to win me any points, prizes or even a job!** 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 -
OH SH - thank you thank you... for being the voice of reason... for being the angel sitting on my shoulder making me think before i do... xHighest 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 -
Hi SH,
Good luck with the interview, guess you could practise! Me, I just say stupid things, the last stupid thing got me the job though!0 -
You are more than welcome:AOH SH - thank you thank you... for being the voice of reason... for being the angel sitting on my shoulder making me think before i do... x
GG - I didn't walk out despite it being nearly 4 hours long with tours, meeting everyone from CEO to factory mouse!
perhaps I could telephone interview you sometime - and you can do the same to me...? Altho I always pass phone interviews it is the ones in person I struggle with.... I just come across more relaxed (and poss flirty / funny) on the phone!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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