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Clearmydebts - new chapter to becoming debt free before moving home

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  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    zigmeister wrote: »
    Oh CMD you sound so down :( *hugs*

    I hope you manage to work something out that makes things better for you and your family. Did you manage to speak to your boss today?

    Thanks for the post Zig. Yes, I did speak to my boss. It's all in the post above :)
    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

    Don't let her get to you.

    I currently have a fab boss and the difference it has made to my self esteem and what I achieve is amazing - she is her own worst enemy and is undermining everyone's performance... don't let it get to you.... I didn't think you were planning to go back off the birth anyway.... - so you just need to make it through the next few weeks
    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
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Thanks Starnac,

    How are you feeling? At least I only have 6 weeks left to work. I am going to leave at 34 weeks!

    I've got 9 working weeks left and counting ;)
    I suppose these are things I could be discussing with my midwife but I haven't met her yet! It has been locums so far so I will be 30 weeks pregnant by the time I meet her. So much for building up a relationship....

    I haven't met my midwife yet either. first she didn't contact me when she said she would then she passed me onto someone else as she had more important things to deal with (!) I'm supposed to make an appointment to see her next week but I don't know if it's worth the effort.

    Hope you are feeling a bit better soon
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Hi CMD

    Don't let her get to you.

    I currently have a fab boss and the difference it has made to my self esteem and what I achieve is amazing - she is her own worst enemy and is undermining everyone's performance... don't let it get to you.... I didn't think you were planning to go back off the birth anyway.... - so you just need to make it through the next few weeks

    Thanks SavingH.

    I have decided not to let her get to me at all. All the other workers havev issues with her as well so at least I am not feeling like it might be pregnancy hormones!

    I have 6 weeks to go and will get as much done in that time as I can.

    And you are right, I can't go back after the birth due to the cut in tax credits. Hope you are well.
    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!
    starnac wrote: »
    I've got 9 working weeks left and counting ;)



    I haven't met my midwife yet either. first she didn't contact me when she said she would then she passed me onto someone else as she had more important things to deal with (!) I'm supposed to make an appointment to see her next week but I don't know if it's worth the effort.

    Hope you are feeling a bit better soon


    9 weeks - your not far behind me at all!
    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!
    Had a great chat to OH at the weekend and he has agreed to apply for compressed hours (if the Ireland job doesn't materialise by Sept) to allow him take a Friday off. He will then commute back to Ireland from Jan 2012 if he is allowed do this. He would come back on a Thursday evening and go back home on a Monday morning, so would have 4 nights with us, which would be lovely.

    I think if his office refuse this then he will look for contract work.

    I am just hoping it doesn't come to this and that the Ireland job works out :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • wendz86
    wendz86 Posts: 7,171 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    That is great news CMD. At least you have options now but lets hope the Ireland job comes good!
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    wendz86 wrote: »
    That is great news CMD. At least you have options now but lets hope the Ireland job comes good!

    It feels great that OH is on board and is willing to do the commute. I would miss him terribly Monday-Wednesday as we always have a bar of chocolate and a cup of tea and a chat every evening but in the grand scheme of things he would probably see Max and the baby more as he would have the full Friday off.

    He would move back into our old flat in Edinburgh and get a roomate. He isn't overly enamoured with this idea but can see the financial logic behind it.

    How are you, and Poppy?
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • Cinny91
    Cinny91 Posts: 6,022 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud!
    That's fantastic news CMD! And like you said, with having the full Friday he'll have more quality time with you all. I really hope it turns out that way for you. Must feel like a weight's been lifted just from that talk :) Was thinking of you over the weekend hoping something was being worked out.
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Cinny91 wrote: »
    That's fantastic news CMD! And like you said, with having the full Friday he'll have more quality time with you all. I really hope it turns out that way for you. Must feel like a weight's been lifted just from that talk :) Was thinking of you over the weekend hoping something was being worked out.

    Aw - thanks for thinking of me Cinny. It means a lot.

    Yes, I do feel like a weight has been lifted. OH has noticed it as well. I would be afraid in one way to make the move home but then I think I just need to do and then things will click into place. Ireland is where I want to end up so we may as well make a move towards it now.
    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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