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£77,366.35 reasons to be debt free!

15556586061178

Comments

  • Hi IMD - well done on the PB! Great going, especially this time of year...
    Good luck with the payrise, from the list you made sounds like they can't refuse!
    x
  • Nelmer
    Nelmer Posts: 214 Forumite
    Hi IMD,

    I am 'middle management' and fight for my own pay rise as well as being asked by my team and IMHO macgirl has it spot on. A good mix of increased cash through the door and productivity never goes a miss. and as the saying goes if you don't ask......!!!!

    Good Luck!
    Natwest Card 27.06.10 (reduce every month) £267.63
    Gave up smoking 16th July 2007 :T
  • Well, after all that preparation and stress we had to cancel appraisals as other stuff took over :mad: Not re-scheduled so not sure what happens next :(
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    good luck - I have asked for money outside appraisal time - sorry you are not off the hook yet 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 10/10/25
  • Productive morning by moi! Have made decision that as much as I am pretending work is ok, it really isn't! Awkward atmosphere, I am fed up as things aren't back to normal and they never will be.

    I know I have a good working record and a good earning ability, I have a s**t load of debt and I need to maximise to get rid of it. I have therefore applied for 3 jobs today up to £50k a year which is far more than what I am currently earning. I am going to look for a job every Tuesday and keep applying until I get something. I could stay where I am, with or without a payrise, but it actually is an impossibility. Far too much water has passed under the bridge and I also think I have a valid claim for constructive dismissal.

    So onwards and upwards for 2010 - I may as well look for a job whilst I have one and be confident that I can get something better and pay my debts off quicker. I think I may also find going into the office easier every day if I know I am doing something proactive to get out of there.

    So wish me luck!!
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    It's amazing what you can put up witn 'in the meantime' when you know that you are getting out of there. Good luck: it sounds like they don't deserve you. But if that appraisal happens in the meantime ;), still ask for that payrise: if you put it to them in terms of the increase in business you have provided for them and extra tasks you have taken on, I can't see how they can reasonably refuse. x
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P
    roud to be dealing with her debts 1198~

  • Good luck IMD! I am job hunting too at the moment (my contract is up in March), although nowhere near the salaries you are looking at. I will keep everything crossed for you that something comes up soon - interesting to you and great salary!
    xx
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    good luck - I have asked for money outside appraisal time - sorry you are not off the hook yet lol

    :rotfl::rotfl::rotfl: Agreed!

    I like the new you IMD - I think this sounds like a good decision :T
    A new job is always the best way to secure more money - even if that means your current firm matching the new salary :D

    2010 sounds like it's going to be exciting!
  • No news on appraisals but went into work and felt a whole lot better today knowing that I had a plan to leave :D

    Am getting paid early on Friday and so have worked finances out to work out quite how awful the position is :eek: BUT after January payments are made I am no worse than my opening figure in August! So not quite as horrendously bad as I thought and by Feb I should be back on track.

    Things I have to do are:-

    Sort out electricity and gas - in total we are paying £112 a month :eek: OH always has the heating on and the fire and I'm trying to knock some sense into him. Also chasing kids around about turning off TV and lights etc. Even being a bit tight as they want xmas lights on all the time but I have said only at night - I am such a bah humbug :rotfl:

    Slightly concerned that OH has come back from his xmas shopping with bags and bags of shopping but I have decided not to nag him about this as he has been really good lately and he has had a xmas bonus he wanted to treat us with, although I have took half off him. He promised me it would not be cc'd and so I shall trust him unless I see evidence to the contrary.

    Money set aside in budget for hair cut, dancing lessons, xmas presents I am yet to pay for as waiting for them to be printed, window cleaner, car insurance to pay in full, 6 months car tax - and there is still £100 buffer zone in the OD which I am determined will be there at the end of Jan.

    Next month the tin filling can begin in earnest :)
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • Hi IMD

    You're sounding really organised and positive! And brilliant on the PB recently (see, have caught up). We pay - wait for it - £197 MONTHLY- for gas and electric. Is big house and people here not good at turning things off, except for me. But is mainly as when I switched, in MSE style, they underestimated and we ended up in the red - not my fault! So on my agenda for early in 2010 is to make sure we're on best tariff, if not actually switch - so dull. - and to try to keep on top so we are not in red at end of this winter.

    Anyway, keep it up - after recent travails, to be no worse than you were, and no more in debt, sounds like you're really getting in control, so well done you.

    Mrs R
    #Tesco 0% NIL Jan 2010
    # RBS 3.9% NIL Oct 2010
    # Virgin 0% £2670.92 Oct 2010
    # RBS O/D NIL - repaid with redundancy pay Jan 2010
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