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Clearmydebts - new chapter to becoming debt free before moving home

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  • Birdie85
    Birdie85 Posts: 9,330 Forumite
    I'm keeping my fingers crossed for your OH, it sounds like you really need to be with your family. Its not nice hearing that you're looking unwell and feeling lacklustre. Look after yourself and your lovely babies.
    Overcome the notion that you must be ordinary. It robs you of the chance to be extraordinary!
    Goal Weight 140lb Starting Weight: 160lb Current Weight 145lb
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    tirlittan wrote: »
    Fabtastic CMD!!!!

    Oooh,fingers crossed for your OH to get the job. That would be just perfect. It would be lovely for you to be a SAHM, so hope it all comes together!

    Thanks Tir - I just really want to move home now. I think I have paid my dues. I moved out 17 years ago!
    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!
    Hi CMD really hope that things improve for you and that your OH gets that job - that would be such a fab turnaround for you. Anything to take the pressure of would help hey.....

    Fingers crossed SavingH. Hope you are having a nice day 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!
    Birdie85 wrote: »
    I'm keeping my fingers crossed for your OH, it sounds like you really need to be with your family. Its not nice hearing that you're looking unwell and feeling lacklustre. Look after yourself and your lovely babies.

    Thanks Birdie. I appreciate you posting in here x

    To be fair since OH has gotten notice of this job, and since my own job improved, I have been feeling a bit better. I just really hope he gets it.
    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!
    Paid some off my RBS card. It is beginning to really annoy me and I can't wait to get rid of it. The interest is really high and they never off a balance transfer on it. I know I have to get rid of the Virgin card first but I think that is the one I will concentrate on next.

    OH got a response from the job. They said they want him to provide a more detailed CV. He is going to work on that this weekend and his friend (that works in that company) gave him so tips.

    It is so tempting to cash in his 1K relocation money and pay some money off the RBS card but we need to keep it, for the moment....

    Hope everyone is having a great Easter!
    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
    edited 22 April 2011 at 6:54PM
    Hi CMD sounds good re the job! Really hope it works out for you all and you get to go home. Well done on the payment too!

    Yes we've had a lovely day - a friend did a free photo shoot for us to cheer us up which was lovely! We also got a bit of a walk in the countryside as we decided to go for outdoor shots. I also got to cuddle a 4 month old baby....
    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 sounds good re the job! Really hope it works out for you all and you get to go home. Well done on the payment too!

    Yes we've had a lovely day - a friend did a free photo shoot for us to cheer us up which was lovely! We also got a bit of a walk in the countryside as we decided to go for outdoor shots. I also got to cuddle a 4 month old baby....

    Sounds like a lovely day SavingH!
    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!
    We had a lovely day yesterday. Our friends came around (5 of them) for dinner and myself and OH made lasagne and a big ham. We had home-made sherry trifle for dessert and my friend also brought some dessert as well.

    It was just a lovely, relaxed day. Max was thrilled to be centre of attention as he was the only baby. He is such a smiley, sociable little baby. We are lucky he can adapt so well.

    They all left at around 11pm and myself and Oh were shattered!

    OH needs to enhance his CV tonight so I need to give him a hand with that so it is in first thing tomorrow. I really hope something comes of it.
    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
    Sounds fun! Hope that your OH gets the job!
    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!
    Sounds fun! Hope that your OH gets the job!

    Thanks SavingH!

    Had a lovely weekend and spent yesterday evening trying to unpack some of our boxes from the move and declutter generally. OH is driving me nuts at the moment. He is great with Max and cleaning the flat but he leaves everything else to me. So I have to sort out all bills, admin things, organisation of holidays, booking of flights home etc etc. It prob doesn't sound much but I also look after Max, work part-time, food shopping, meal planning, clean the house, do all the laundry and am pregnant!

    We have lost a grip on our finances lately as I have taken my eye off the ball. We have a really busy May and June and I can't see us being unable to dip into our credit cards :(

    I have been doing AQA as I have slipped on that and have made £50 so far this month so am hoping to use that to pay off some of the Virgin credit card. I want to be able to clear that by the end of June. That will mean another credit card is gone and I can concentrate on getting rid of my RBS one, which is really bugging me.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
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