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Trials and tribulations of a Debt Free Wannabee!
Comments
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savingholmes wrote: »:AThanks for the support along the way.... :Tcan't believe I got to page 49 before things turned around for me.... Seem a good company, very decent money, ok manager.... only potentially dilemma is the perm interview thing.....
I will be weekly paid too which is always handy
It must be a grreat sense of relief and achievement all rolled into one!
You could just tell them that you have a hospital appointment that has been scheduled for months. They can't say much about that and are unlikely to ask any further questions!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Oh well I suppose I should get dressed LOL!
I need to go and buy my mum's birthday pressie - we are going to see her tomorrow! See you all later!
I have just been doing my snowball thing..... I reckon I should be able to pay at least £1200 possibly £1500 in a month with no holidays off our debt which would be absolutely fab and would put me back on track to be debt free by the end of next year! If I use savings - might even be debt free by OH's birthday if not for mine!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 -
Congratulations on the job :TSuccessful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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Congrats on the Job :beer:
Just the thing you needed, after all that rollercoasting you've been playing around on :rotfl: Seriously, glad it seems things are looking up for you.
G:A xx~ On the Road to Making Dreams Happen ~
January £10 a Day Challenge £ 0.00 / £750 - (Running Total £1,512.11)
52 Week Challenge £ 0.00 / £1,378
Debt Owed £23,200 / £19,251 - Mtge Owed Bal £140,000 / £130,940 - Total Debt Balance Owed : £163,200 / £150,1910 -
Thanks guys - I am just so pleased and relieved. Been to Pizza Hut with the kids to celebrate - OH is a bit miffed - I've promised him a celebratory meal without the kids one day next week instead LOL!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 -
:j:j:jWell done you! :j:j:jMortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
just read your post on hypnos diary congrats ...been a long time coming but worth it i am sure0
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Yippee I'm so pleased for you, you really deserved it after all the scary interviews. Are you have a few glasses of wine to celebrate? I might just have to join in (any excuse!!)
:beer: :j:beer: :T :beer:Looking for the perfect home and saving to make becoming a MFW easier
MFiT3 48103/50000 Saved So Far :j0 -
savingholmes wrote: »I GOT THE TEMP JOB - FOR 6 MONTHS! Fab money - start next Thursday :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j Did I mention.... I got the job!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!:rotfl:
That is such great news. Well done.
Will you still be going for the next stage for the permanent role?
Hope you have a great first day on next Tuesday.
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 -
Hi Betty
Yes I am still going for the interview on the perm one so life could get complicated. I would have to give 1 month's notice to leave the temp role but it's money in the bank..... This stage 4 of 5 perm job has been going on for weeks if not months now so if they think I am right for them I am confident they would wait. At the end of the day I need long term job security and would prefer a role closer to home with minimal travel which the perm job should provide but which the temp job doesn't at the moment appear to....
If I don't get the perm job (which comes with a car) we will sadly probably also have to add to our debts further and buy a second car - as riding a motorbike in winter and with kids to pick up from after school club etc is not such a good option for OH and I will have the one we just bought...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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