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Clearmydebts - new chapter to becoming debt free before moving home

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  • jmf76
    jmf76 Posts: 363 Forumite
    Part of the Furniture Combo Breaker
    Hi CMD,

    Congrats on the pregnancy, sorry the job isn't so good. Keep going on the debt busting, you'll get there.

    Was debating baby no.2 but just been made redundant again so that's now on hold indefinitely.

    Oooh ebay - what type of things do you sell?

    jmf x

    DFW Lightbulb moment Sept 2006, Debt-free Dec 2009 :j:j:j
    £2015 in 2015: £0
    Comping: No wins yet :think:
    MFW 2015 0/1200
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    tirlittan wrote: »
    Hi CMD. sorry to hear you're not liking your job atm, maybe you'll feel feel differently when more time passes?
    I'm sure you'll get to know new mums and babies soon too, music group sounds like a good idea.
    And don't worry so much abour money right now (obviously that's is not an advice to spen uncontrolably ;)) , you're still settling down there, and there must be things you'll forget to budget for, but as saving said, you're going in the right direction and soon your debt will start going rapidly down. Good luck!

    Hi Tir,

    Good to see you on here. The job went slightly better yesterday so I think it will be fine (ish) but defo not one of my favourite jobs. Still I just have to suck it up til I go on maternity leave again and hopefully I will get a new job sometime next year!

    Hope your having a nice weekend x
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    jmf76 wrote: »
    Hi CMD,

    Congrats on the pregnancy, sorry the job isn't so good. Keep going on the debt busting, you'll get there.

    Was debating baby no.2 but just been made redundant again so that's now on hold indefinitely.

    Oooh ebay - what type of things do you sell?

    jmf x

    Hi Jmf,

    Lovely to see you here. So sorry to hear about your redundancy. Are there any other jobs in the pipeline?

    I don't sell on eBay. It's TMD that does but I am also interested in what she sells!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi CMD glad the job is going a little better

    JMF - sorry about your news. Hope you get a new job soon - must be a very worrying time for you
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Hi CMD glad the job is going a little better

    JMF - sorry about your news. Hope you get a new job soon - must be a very worrying time for you

    Hi SavingH,

    I am hoping you can give me a bit of advice actually as I know you have been in a situation where you have hated your job.

    I really really don't like my boss. She is very anal and the tone of her emails are really 'school mistressy' (sp?). She has a way of ticking you off hidden behind a smiley emoticon and seems to think that I am a full-time worker - even though I only work 23 hours.

    I have been a manager in my last few jobs (not one now) and I have a very relaxed attitude and give my team a lot of responsbility (not too much) and hence gained their respect. I don't know if I can be manged in such a dictatorial way. Also, I think I mentioned, the company is very corporate.

    We would be able to survive (just about) on OH's wages and pay off the minimum debts until my maternity kicks in (end of June). My mother (and OH) think I should quit the job and go back to Ireland for a month as I am seriously homesick and it is affecting my mental health (worrying about work when I am not there, putting me in a very erratic mood etc).

    The thing is - I can't seem to see the wood for the trees at the moment and don't know what to do. I know you quit the job you didn't like. I am not sure what to do with mine.

    Any advice you (or anyone else) can give me would be great. I really am quite worried about my mental health at the moment.

    Thanks
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Hi CMD.
    I think you've directed your question to the right person, i.e. savingh, but I'm going to put my penny's worth of thoughts here. Sounds like you really are not happy in your job, and you say yourself that you're worried about your mental health. If you can,take the time off, go home to Ireland, enjoy your life and don't just get through it! (((hugs))) It will be alright. x
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    tirlittan wrote: »
    Hi CMD.
    I think you've directed your question to the right person, i.e. savingh, but I'm going to put my penny's worth of thoughts here. Sounds like you really are not happy in your job, and you say yourself that you're worried about your mental health. If you can,take the time off, go home to Ireland, enjoy your life and don't just get through it! (((hugs))) It will be alright. x

    Thanks Tirlittan - you sound like such a lovely person. I wish I knew you in real life! I know SavingH will put me on the right path too. It's amazing how much you can respect some people when you have never even met.

    Thanks so much for your supportive words. It means a lot x
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    You just take care of yourself,that's the most important thing.
    And I agree, it's amazing how much you can respect people that you've never even met.

    Bit of my story.
    After 8 years in UK, and after a break up of a 5yr relationship, I was working in a job I didn't much care for anymore. I didn't really have the means, but decided to go back to Finland for a summer. Ended up staying there for 5 months,seeing friends and family; it was a good decision, and I don't regret it though it did put me more in debt as I didn't get work for all the time I was there. But it did rejuvanate (sp?) me, and I felt more happy and clear what I wanted to do, and after I came back, I moved to Cardiff, and rest is history...
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    tirlittan wrote: »
    You just take care of yourself,that's the most important thing.
    And I agree, it's amazing how much you can respect people that you've never even met.

    Bit of my story.
    After 8 years in UK, and after a break up of a 5yr relationship, I was working in a job I didn't much care for anymore. I didn't really have the means, but decided to go back to Finland for a summer. Ended up staying there for 5 months,seeing friends and family; it was a good decision, and I don't regret it though it did put me more in debt as I didn't get work for all the time I was there. But it did rejuvanate (sp?) me, and I felt more happy and clear what I wanted to do, and after I came back, I moved to Cardiff, and rest is history...


    Thanks for sharing that Tir. I do believe health is the most important thing as well. Especially now I have one baby and another on the way. Maybe a break in Ireland is what I need. Oh said I am not to worry about the debts as we have had them for 8 years now so what is another couple of years more. It's just frustrating because they are a barrier to so many things....
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    I know what you mean about debts being a barrier to so many things (I've felt like that for 3 years now and especially when in a relationship-not this one though), but if you run yourself sick because that's all you're worried about, you won't be able to enjoy the money anyway.
    Health is definitely the most important things, especially when you have kids. Just think how much better mind set you'll be in when you've spent time at home. It'll do you nothing but good and your OH is right, year or two more with debts won't really make that much difference.
    Take care now. I'm off and going to get ready for my friends to come over. Well, they're here already but I need to go and do some shopping,it'll be cocktails night tonight and maybe some films at home. Looking forward to it.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
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