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Trials and tribulations of a Debt Free Wannabee!
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Wow lurker1972 that is commitment for you! :TThanks for reading glad you liked it... hopefully I will get my ideal job soon but i hope too that because of this diary I won't take my good fortune for granted....Lurker1972 wrote: »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
x
Thanks GG :Ai'm really chuffed re our new car altho OH has borrowed it today as it was too wet for his motorbike!The_Golden_Goose wrote: »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.
how are your job hunts going?
Done naff all today as have had the kids at home.. but they just seem to have a cold.. .I'm iller than them as my eyes are streaming but I've checked my temp and it is fine...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 -
I've felt a bit better today. Took the kids to the library and got some books out I've wanted for a while... I haven't spent much - less than £2 but OH went out and bought luxuries so that has blown the grocery budget. Just found out as well that he has spent about £130 on a card that I didn't know about.... Dreading my CC this month too as lots of car work went on it... Just want it to arrive so know how bad it is... may give the card people a ring so I can get an idea of the balance....
We are way overspending currently - although that hasn't been helped at all by the car situation... hopefully now we have 1 working car things should improve... although have already bought wiper blades for it and identified that ideally the Air con needs a recharge which could cost up to £90 !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, where do you get car's air conditioning recharged? Do most garages do it or just a few? Jeep needs done and our local garage doesn't do it so I'd no idea where to look.:A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0
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Apparently kwik fit do it but on the net they seem to have an appalling reputation... Apparently you can get mobile air con engineers - who should drain your air con, check for leaks etc prior to recharging it. My new car is a vauxhall - so think will take it there...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 -
I'll have a look on the web and maybe ask garage who'll do MOT if there's anyone they can recommend. It's one of those jobs on the mañana pile (hangs head in shame
) :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0 -
no point hanging head in shame - we are where we are - we show our character by how we conduct ourselves from here on in!
We are about to have a chicken roast dinner - yum yum. Lost another 1lb on my diet this weekend so far so really chuffed!
not much else to report so bye for now!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 done with the diet. Grandad brought round Toblerone last night, I'm sure triangular calories don't count as much as normal ones.:A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0
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hi SH - my my u have been busy girl!
we were supposed to see HP today as birthday treat for child #2 [thats the swine child] but cancelled - got a full refund on tickets though.
car sounds good too
and ur MIL is terrific!
good luck on the job results
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 -
Yum yum to the roast chicken dinner. My fave!
Hope you are well
xxxTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Mmmmm, roast chicken dinner.....bliss! Hope you enjoyed. Well done on the weight loss, fab!!
K xx0
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