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Trials and tribulations of a Debt Free Wannabee!
Comments
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well I had my interview today - it seemed to go okay but who knows.... Should find out if I am thro to next stage by end of the week!
Just rung a company about selling my car for scrap - looks like it might only be £85 not the £100 they said the other week but I am waiting for them to call back now...
Then ideally I need to get the windscreen chips sorted in OH's car before we trade it in.
I also need to get a quote on my new car for insurance purposes....
Hope you are all having a good day!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 -
one bit of good news - newer car ready tomorrow and car insurance sorted at no extra cost - they will even cover my old car for 14 days while I sell 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 -
great news on car situation and hope you hear good news on interview front.
sorry bit rushed but wanted to pop in and post .. 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 -
SH, just read your diary. It is very inspirational.
I am going to be finishing a contract job next week Thursday. I have had two interviews in the last couple of weeks for one temp role and one permanent. Did not get either one. I was a bit down on Friday but picked myself up after reading the boards.
After reading your diary yesterday, I decided to do some of the things that seem to work for you, like make my CV searchable. I had a call from an agency this afternoon about a role in the same borough that I am working in and great money as well. Trying not to get my hopes up to much but it is a role I can do with my eyes closed.
I have decided to be positive.
Just wanted to wish you luck on the job front and hope you are in work soon.
BBOriginal debt at LBM July 2008, £47, 654.34. Debt at January 2016, £21,443. Barclaycard [STRIKE]£9,000[/STRIKE]£8,756, Tesco cc [STRIKE]£3000[/STRIKE]£1,136. Debenhams storecard [STRIKE]£350[/STRIKE]£263, OD [STRIKE]£3,500[/STRIKE] £3,000, Corp Tax £3,036, Study loan £1,750, Smaller debts £2,000.
Since my LBM I have not been fully committed so now I have had a 2nd LBM.
Aiming to be debt free by December 2016:D0 -
Glad you've had a better start to the week
Looking for the perfect home and saving to make becoming a MFW easier
MFiT3 48103/50000 Saved So Far :j0 -
Thanks BB. The interview I went to today which is potentially a decent salary plus car if I get it - I got purely due to having made my CV searchable. another respectable agency has rung me today with a possible job so I need to ring them back too.SH, just read your diary. It is very inspirational.
I am going to be finishing a contract job next week Thursday. I have had two interviews in the last couple of weeks for one temp role and one permanent. Did not get either one. I was a bit down on Friday but picked myself up after reading the boards.
After reading your diary yesterday, I decided to do some of the things that seem to work for you, like make my CV searchable. I had a call from an agency this afternoon about a role in the same borough that I am working in and great money as well. :jTrying not to get my hopes up to much but it is a role I can do with my eyes closed.
I have decided to be positive.
Just wanted to wish you luck on the job front and hope you are in work soon.
BB
I've also developed a profiled on linkedin a professional networking site - complete with testimonials from previous colleagues - I am hoping that that might also help me.
I'm pleased you found it inspirational! :T Sometimes it feels quite hellish this end... sometimes on a nice sunny day it can be quite nice being off....especially if the kids are at school!;) I am so grateful thought that we took early action last July to start clearing off our debt and building an emergency fund... we would be up the creek without a paddle otherwise...
Hope you manage to get your next role soon! Keep cheerful and positive so you come across well!
Believe me so am I - last week was horrendous! We didn't go to church yesterday and I just got a call from one of my mates there asking whether we were okay... so of course I said no!!!;) and gave them lots of details whether they wanted it or not!:rotfl:Glad you've had a better start to the week
Thanks MrsC I will pop over to your diary shortly and see how you are!great news on car situation and hope you hear good news on interview front.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 im on linked so is kissjenn - want to hook up?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 #2230 -
Hi SH,
Good news on the car! Are you getting the chips fixed through your insurance? It's usually free I think!
Well off to finish cleaning the bathroom, CBA!0 -
trying to get the chips sorted on the insurance but trading car in tomorrow pm... but it has 3 chips and would hate it to crack completely on the way (80-90 miles)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 -
Having a bit of a weird week.
Overslept this morning - woke up at 8.30. Had to whizz out of bed, minimal wash, get dressed extra fast, drop the kids at school by car - come home pick up insurance docs and whizz to windscreen place. Agreed to fix chips in windscreen on insurance - no excess payable. Walked to hairdressers from autoglass - got cut (only colour the other day as not enough time) - walked to bank to move money for car - walked back to autoglass - picked up car - drove to friend's house. Took friend to pub for lunch (she's got cancer so it is a little treat for her). Dropped her home. Emptied car. Set off to collect new brum brum - drove 25 miles only to be rung up to be told car not ready yet so had to put extra petrol in and come home.!
Not getting car until Thursday now gutted!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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