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Trials and tribulations of a Debt Free Wannabee!
Comments
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Hi SH,
sorry not been popping in much of late, been manic! Seem to be getting there now though. Thanks for posting on my diary :-)
How annoying about the car and extra petrol....still you have it to look forward to tomorrow.
How's the job front coming along?
K xx0 -
Hi Karen - waiting to hear back on Monday's interview... nothing else in the pipeline which is a bit scary altho it traditionally does go dead for the summer and normally pick up in September... Here's hoping!
DS has his school play and MIL is coming EEK EEK so spent most of this morning tidying but the place still doesn't look great! The kids are getting haircuts later and then we are going to come home and have tea before going to see Harry Potter! So busy day but with some positive highlights...
Hope you and any other readers are ok? I have been feeling all hot and sneezy today... so hypochondriac mind jumps from hay fever right thro to swine flu!!! Oh well - hoping it is just hayfever....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 -
Apparently - my kids school - there is a kid with swine flu! Scary wary!
DS's school play went well. Kids hair now done. Eating tea that was prepared yesterday and then off to harry potter! woohoo!
My MIL had bought DD a dress and some new crocs and gave her £1 for her school report - she gave DS £10 for his great SATS results ! She didn't react last week apparently because she was so amazed at his good results... so much better than her other grandson's! HeheheAchieve 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 -
Harry Potter was really good... my DD (6) fell asleep just before the scariest bit so that was great....
My MIL has also offered us her sat nav - she bought it for £150 a while ago - used it once and then stuck it in her wardrobe.... - I nearly bought one this week as I got lost on the way to an interview - luckily I had allowed loads of time so did make it... I didn't buy it and now I won't have to - fabarooni.... she also confirmed that the money would be in our bank account tonight for the car - she is fantastic....
When I first met her I used to shake I was that scared of her - but over the years I have found her bark to be worse than her bite - and her generosity is truly overwhelming and life changing... I had stingy parents so she has role modelled something really special and made me want to be generous to my kids in turn....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 -
An answerphone message just came thro! Had phone turned off at cinema... They really liked me at Monday's interview - no negatives at all. So I am probably thro to next stage - but they also liked the other candidate so she is probably also going thro... Should confirm with me Tuesday.... !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 -
Hi SH, really pleased that you're going through to the next stage of your interviews.
I have an interview this afternoon and really want this job - going to remain positive and finish my research today (sneakily whilst at work).
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 -
Thats good news SH. Glad you enjoyed Harry Potter.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Hi betty - hope your interview goes well
Lucielle - thanks
Got new car today 04 plate. It was gorgeous! Air con I think needs fixing tho as it got colder but not cold.... It was a lovely drive home tho - and the fuel ecnomy is between 42 and 62 so averaging around 52 ish which is fab!
Had to pick kids up early from school tho. DS is ill (but then so am I). Apparently we have all the symptoms of .......
a cold.
Hopefully not swine flu as we don't have a temperature....
Hope everyone else is okay!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 -
Its taken 2 days, but I've finished reading now
& crikey what a story, you have a lovely way of writing, kept me on the edge of my seat waiting for results of interviews
I have my fingers crossed that the next interview will be THE ONE - good luck
enjoy the new car
xI do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
YAY for new wheels. YAY for fuel economy.
BOO HOO for cold and naff interview peeps who are too blind to see that you are perfect for the 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
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