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chewits - the debtquake monster is coming

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Comments

  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    kissjenn wrote: »
    Best of luck SH. You're great at what you do, look at the jobs you've had. I'm just getting too old to put up with the double standards and nonsense plus I find it so frustrating that we're trying to help a company who seems unable to understand what really needs to be done and why.

    Ahhh - deep cleansing breath and relax :D
    Thanks KJ that is lovely - so encouraging.

    I know exactly what you mean both about the double standards and the fact they can't see the wood for the trees.

    Have you ever heard of the ICFBA - I am thinking of going to one of their seminars - they are apparently one of those business associate groups that potentially help you get work on a self-employed basis?
    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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    I've never heard of ICFBA. Do you have any info about them I could look up? Do you know anyone who's ever worked with them?
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    kissjenn wrote: »
    Thanks ladies.

    FF I've give you a flyer if we go out to the movies. Premises are in East Lothian and I've some ideas which you may be interested in.
    Ideas are always good - if you've had a look at my thread I may be getting a car which would make me mobile (Mwahahaha!)
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    kissjenn wrote: »
    I've never heard of ICFBA. Do you have any info about them I could look up? Do you know anyone who's ever worked with them?
    http://www.icfba.biz/index.htm

    I have never worked for them.... I hoped by putting something on here.... that someone might know something about them and tell me if they were legit or not....
    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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Well due to the imminent joblessness and complete pants of this week I updated my linkedin today and I've managed to get 4 recommendations including one from a senior person at the company I've just been let go from so suddenly feel less pants even although this is the worlds longest sentence!
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well done KJ!

    I linkedin with a couple more people today
    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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    I've been surprised about how it's grown. Asked for my first recommendations today and now have 6. It is just cyberspace but these are people I've worked with and they don't seem to think I'm a muppet so taking that as a positive.
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi KJ - I coached someone recently - and suggested that they keep an evidence log in a journal of different examples where they believed they had done well or made a difference - and that the person got testimonials from people to back it up. That way when they feel down or rubbish or lacking in confidence - they can look at their positive evidence log - and read the truth and raise their self esteem! Perhaps something like that would be good for you 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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Thats a good idea. I think the linkedin thing is working a bit like that, it reminds me that I do do a decent job. So onwards and upwards SH - the two of us onto bigger and better things.

    Plus my kitchen is almost finished and meals have certainly started to decrunchify.
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I like linked in for that... I notice some people have lots of connections. Do you stick with people that you have met personally or do you widen it more than that to for example linked in groups you belong to?
    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
This discussion has been closed.
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