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Trials and tribulations of a Debt Free Wannabee!
Comments
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Well done on the job front SH
positive thoughts that you get through the next stage 
Just wondering, what's BP?
Is it the same as Butlins, Wink etc? Or can you do it as well as Butlins scratch etc
Glad you enjoyed your weekend away xx:idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
hi guys thanks for the positive wishes
Bp = bingoport happy to refer anyone (please please please) - to understand more about how to play you could always read my dooyoo review LOL! You can redeem for vouchers to play at other bingo sites or for amazon - I always choose amazon!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 today DS has gone on a play date but will arrive back in an hour or so with play date here!
DD is happily playing will all her bratz dolls plus a few others besides
I need to send off a £60 train ticket for a refund and need to ring the job centre re changing my appointment time tomorrow.
Ideally should also check my online banking - need to arrange payment for one of OH's CCs
Need to move a further £3K from V to another card....
Have also spoken to 2 agencies about the two impending interviews. The one tomorrow is a one shot deal I think with a possible start next week EEK so life could suddenly get hectic again. The other for the perm job is likely to be the end of next weekish.... so I need to work out what to say so I can get interview time off if needed!
Hope everyone else is okayAchieve 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,
Good luck with the interviews, hope one of the two come through for you!
Not been on much as up to my ears in it, and trying to catch up has been horrendous. Signing off now for hols, promised myself would stay off here so can get packed, house tidied etc., so will catch up soon xx0 -
HI well I have just reviewed my online banking and snowballs
Debts as at 20th August OH's next pay day
B £2000 0% for 6 months
B2 £5061 0% for 6 months
C £4325 3.45% for life
V £2986 18%?
BH £520 0% for life
Total £14892
Car £4000 0% for life of balance
Revised total
£18892 incl car
versus savings
£1379
£4
£3337
Sub Total £4720
but due a pension refund of approx £1400 soon...
Total £4720
Net debt now excl pension £18892-4720 = £14172
I should get the pension refund in the next few days but will probably need to live off that if don't get job...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 -
Just been put forward for another 6 month job poss interview next week. Okay money a bit of a trek but ok
Have packed the dishwasher.... still need to ring job centre - done so should get to travel to interview money too!
Well OH's refund just arrived from his tax disc £108 which is fab :j- esp as on the new car - it is £120 for the whole year! We reckon we are saving at least £12 a week on fuel compared with our previous cars! :TOH also asked for something which was £80 for his birthday - which I said he could have but bless him he was given £60 by other people which he has now said he will put towards it. :jI made him a hamper for his birthday with about £20 of stuff in it he directly asked for - the rest was from things I already had but he liked it anyway! He was given £24 from work which he will spend and I have said he can have some amazon vouchers from my bingoport fund if he needs them - I should have £10 in the kitty by the end of play tomorrow! :A
Feel quite happy now.... nice to have money coming in for a change. Also checked our savings - another £6 in interest and quidco have paid us a whole £3 this month!!:rotfl:It all adds up!
Need to go and check my interview stuff now and make sure everything is clean and presentable!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 at interview and if you do get temporary one you must white lie for interview after last time! Sometimes dishonesty pays :rolleyes:Looking for the perfect home and saving to make becoming a MFW easier
MFiT3 48103/50000 Saved So Far :j0 -
Thanks Shelley - just been reading up on the company... still need to check interview clothes... Looks like I will be wearing the "spare" top I bought as I think the other 2 are still in the wash!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 -
& thats why you have the spare!
good luckI 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 -
hi lurker thanks for popping by.... off to my interview in an hour or so..... Straightened my hair last night to make this morning easier....
DD going to MILs I think DS staying in by himself... Got to go and sign on later - which means I need to find my signing on book! Why can't I be more organised?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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