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40 and Foolish!

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Comments

  • Hi New Leaf!
    I'd just like to say hi and i've read a lot of your posts in your diary and its very inspiring!
    I read your old diary before and was sorry to see you go - although ive come and gone way more times than you! :D

    I too was a lurker for a long time and whilst i don't have the same level of income as you and your partner, i do earn very well for a single mum and wasn't sure if i could go through with starting a diary on the board! I'm really hoping i can get everything gone this year so that i start 2014 in a position to really overpay my mortgage but before that, getting a bit of a cushion behind me for emergencies.. Jobs can go so easily these days!

    So thank you for the nudge i needed :T
    WP xx
  • Hi Newleaf
    Another long time lurker coming out of the woodwork :)
    Your last post has really struck a chord with me. I am not a high earner but I consider myself to be on a good salary for someone of my age and education. I have worked bloody hard for it. However like you i am stressed and it just gets piled on, more work, more people etc. It makes me ill and bad tempered with the people I love and for the past year I have been a shadow of my former self, somewhere along the lines I have lost sight of myself and the things that matter as all of my time is taken up with work. I have taken the brave (or stupid) step of handing my notice in tomorrow :eek: I will work with my partner for a few months whilst I consider my options. Money will be v tight but happiness plentiful (i hope!!)

    I really wish you well with your 10 year plan, perhaps you could even cut that down as the debt free date becomes closer.

    I also wish you success with your fight with THEM!!!

    Ill still be reading but probably wont post that often.

    x
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    weeperson wrote: »
    Hi New Leaf!
    I'd just like to say hi and i've read a lot of your posts in your diary and its very inspiring!
    I read your old diary before and was sorry to see you go - although ive come and gone way more times than you! :D

    I too was a lurker for a long time and whilst i don't have the same level of income as you and your partner, i do earn very well for a single mum and wasn't sure if i could go through with starting a diary on the board! I'm really hoping i can get everything gone this year so that i start 2014 in a position to really overpay my mortgage but before that, getting a bit of a cushion behind me for emergencies.. Jobs can go so easily these days!

    So thank you for the nudge i needed :T
    WP xx


    WP thanks for lending support. It is great that you have the foresight at your age to get ahead and clear ASAP. Having a slush fund is essential and you will get there x
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    Hi Newleaf
    Another long time lurker coming out of the woodwork :)
    Your last post has really struck a chord with me. I am not a high earner but I consider myself to be on a good salary for someone of my age and education. I have worked bloody hard for it. However like you i am stressed and it just gets piled on, more work, more people etc. It makes me ill and bad tempered with the people I love and for the past year I have been a shadow of my former self, somewhere along the lines I have lost sight of myself and the things that matter as all of my time is taken up with work. I have taken the brave (or stupid) step of handing my notice in tomorrow :eek: I will work with my partner for a few months whilst I consider my options. Money will be v tight but happiness plentiful (i hope!!)

    I really wish you well with your 10 year plan, perhaps you could even cut that down as the debt free date becomes closer.

    I also wish you success with your fight with THEM!!!

    Ill still be reading but probably wont post that often.

    x


    Princess thanks for stopping by. Good Luck in your new endeavour
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • missrlr
    missrlr Posts: 2,192 Forumite
    Blimey New Leaf your post could have been written by me.

    I am determined to make 2013 the year I make time for me and mine. I will not remained consumed by work.

    Regarding car, if you need one for work get them to hire one for you! I had a similar situation, 20 year old jalopy or 2 seater sports car .... Similar comments so just said "hire me one" safer on insurance too!

    Chin up petal
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    I got a horse instead of a sports car :o Much slower and far more expensive :o
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    and you don't have to (horse) cart any overinflated egos (er I mean bosses) around
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • missrlr
    missrlr Posts: 2,192 Forumite
    I had the horse too at that point!
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    Ok still only 1 flea bay bid but lots of watchers on the other stuff. If it all goes for the minimum that will be another £150 to "them"
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • fredandwilma
    fredandwilma Posts: 1,251 Forumite
    Chutzpah Haggler I won, I won, I won! Rampant Recycler Debt-free and Proud!
    How did it go with THEM and your accountant?

    Remember, it's your responsibility.
    Fred - Where's your get up and go?

    Barney - It just got up and went.



    Carpe diem
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