A fresh start

hypno06

That is a superb reduction in your debt - well done!

And you will get the answers re the job in good time.....x

beanielou

Great reduction :j

buddiebabe

Hey Seaxwyn

That is a fantastic reduction in the debt :j:j:j well done you at this rate you'll be debt free in no time.... am so glad im no longer competing with you cause id be feeling really depressed around about now!!! Instead i feel really happy that things are finally going in the right direction for you.

So pleased for you

Buddiebabe x

Seaxwyn

Thanks all. Buddiebabe, my luck does seem to have turned since we started our competition - but you have done something far more exciting than paying off debt. And I'm sure your turn for debt-busting success will come up some time. I couldn't have predicted mine.

Had a lovely day out today, swimming in the sea and lazing in the sun, most unexpected in October!

chevalier

good luck with getting the job strewn in your path. I kind of want that to happen with most areas of my life at the moment, as I am feeling kind of stuck....

Nice job on the debt reduction. That is a great amount and you should be proud you did it and managed to go out a bit too
chev

Seaxwyn

I didn't get the job. Apparently I was a very close second, I suppose that makes it better. I'm more disappointed than I expected to be. So now I have to think hard about what to do. I don't want to stay in my job and I don't want to get another job that ties me to commuting to London most of the week. I am thinking very seriously about a return to freelancing. I know it used to stress me out before, but my current job is stressing me out lots, I'm just not always on here complaining about it.

hypno06

Sorry you didn't get the job, but the good thing is that it is starting to focus your mind a bit on what you really DO want, and how you can make it all work this time.

So, still a step in the right direction.

chevalier

Ok how much notice would you have to give at the current job? Would it make sense to get Christmas out the way with a guaranteed pay packet? How disciplined do you HONESTLY think you will be about freelancing this time? Ie about putting x amount away for tax for example. And not going 'oh I will take some money out of the tax pot to pay for x and put it back next month' etc. Could you do freelancing justice now that you have the council job aswell? Just a few thoughts about it.

Good luck with the decision
chev

Seaxwyn

Chev you are right, it would be very risky, and I certainly won't leave my job til I have something reliable to replace it.

I've received another freelance pay cheque which has taken my debt comfortably under 20k, which is a very nice feeling.

But even more than that, I had a discussion with my dad about how he wants to help with university fees for my two oldest daughters. They are 17 and applying for university now (actually one is planning to defer it a year but never mind that detail).

He wants them to have the opportunity to go to university without getting into debt, which is an amazingly generous offer. We discussed that it probably costs £15,000/year to gain a degree (£9k tuition fees and £6k living costs). I need to find out whether the tuition fees are paid up front each year of if you pay them in installments.

We discussed the possibility that it might be better for him to pay off part of my mortgage instead of giving me the money for the university costs. This might be more cost-effective.

I've got to get my dad a good proposal to discuss with his stockbroker (never knew he had one of those!) if anyone has ideas or advice on the best way for my dad to help me I would love to hear it. Also, is there a better part of the forum to post this request?

Thanks!

hypno06

Seaxwyn wrote: »

Chev you are right, it would be very risky, and I certainly won't leave my job til I have something reliable to replace it.

I've received another freelance pay cheque which has taken my debt comfortably under 20k, which is a very nice feeling.

But even more than that, I had a discussion with my dad about how he wants to help with university fees for my two oldest daughters. They are 17 and applying for university now (actually one is planning to defer it a year but never mind that detail).

He wants them to have the opportunity to go to university without getting into debt, which is an amazingly generous offer. We discussed that it probably costs £15,000/year to gain a degree (£9k tuition fees and £6k living costs). I need to find out whether the tuition fees are paid up front each year of if you pay them in installments.

We discussed the possibility that it might be better for him to pay off part of my mortgage instead of giving me the money for the university costs. This might be more cost-effective.

I've got to get my dad a good proposal to discuss with his stockbroker (never knew he had one of those!) if anyone has ideas or advice on the best way for my dad to help me I would love to hear it. Also, is there a better part of the forum to post this request?

Thanks!

I have a cracking headache now, but will give it some thought tomorrow x