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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    postive vibes are coming your from the east of england!!
    I 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.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks for all the positive vibes - after 2 and 3/4 hours I got told I was thro to the next stage in about 2 weeks time! :jThe topic of my presentation will be...... Why I am so wonderful? Why have me? Why bother?:rotfl:

    I have been told to bring a laptop and make sure there is a wow factor :rotfl::eek::rotfl:

    What can I say.....:rolleyes:



    Oh well just had a carvery meal to celebrate - the 3 of us - (DD is away) £16 all in... not bad! Off on hols tomorrow - not sure if I will manage to get on line.....

    Hope everyone is having a good summer!
    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 10/10/25
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    savingholmes wrote: »
    make sure there is a wow factor :rotfl::eek::rotfl:

    What can I say.....:rolleyes:

    Great news congratulations :beer:

    New outfit as wow factor??! Off to tell myself off :p

    Enjoy your hols
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Shelley
    ShelleyC wrote: »
    New outfit as wow factor??! Off to tell myself off :p
    Why do you think I bought a spare yesterday LOL!:rotfl:

    Now just got to
    * finish the washing
    * pack
    * sort some actitivities for the car for the kids
    * work out where to leave my key so my sis can use house at weekend
    * make sure the house looks respectable
    * fill car up with diesel using 5p off a litre voucher....

    Go on holiday!
    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 10/10/25
  • lucielle
    lucielle Posts: 11,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the interview. Have a fab time.
    L
    Total 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 #124
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Well done SH! Have a fab and relaxing holiday xx
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just redeemed £5 more from Bp
    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 10/10/25
  • Karen_30
    Karen_30 Posts: 823 Forumite
    savingholmes wrote: »
    Just redeemed £5 more from Bp

    12:51am post SH :eek::eek::eek: ....i'm starting to think that you don't sleep :p
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Karen_30 wrote: »
    12:51am post SH :eek::eek::eek: ....i'm starting to think that you don't sleep :p
    you could be right.... I struggle to sleep sometimes....

    Back from holidays though - had a great time - didn't sign up to any timeshare but had a lovely free weekend away!

    Hope everyone else is okay....

    Got thro to a short term job interview this week too!
    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 10/10/25
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    Welcome back :hello:
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
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