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In hell: the B.W. Fox debt journal

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Comments

  • B.W._Fox
    B.W._Fox Posts: 151 Forumite
    The winner is: Dorking.

    It's where I want to go.
    The prospect of having a permanent job is too good, especially with a baby on the way.
    It starts us on the road away from London.
    The prospect of moving away from PA work and into something meatier/more profitable is very exciting.
    The fresh air will be a great change.
    Spending money at first to make money later.
    Wife's blessing.

    Just called the Covent Garden agency and told them that I'd changed my mind. My first authoritative 'no' after a life of 'yes'. Boy, are they upset at losing someone who said yes last week. How things change!

    Leaving early means I need to maximise my opportunities with my daughter. Having leave days from August means I can take occasional long weekends and fun days with her (and be paid for bank holidays!). I don't qualify for statutory paternity leave but I think they'll be amenable to some concessions if I crack on. I'll have the evenings and weekends.

    Of course that means less time on here. :cry::wink: I'll have to concentrate on building up my cred ... lots of work to do down there as we need to work on contacting suppliers and fleshing out our offices. I don't even know if I have a computer yet ... :confused:

    I've got the chance to learn more and be useful.

    I'll see if I can't bring the DFD down too. :cool:

    Plus, physically, within a year I could be a real beast on my bike! Another kettle of fish. To keep running, working out and eating fresh foods = six-pack. :D

    Looking forward to Monday.

    B
    US student loan (2.48%): [STRIKE]$19,152.65[/STRIKE] $2700.19
    Egg Money (£500 limit, 12.9%): paid off in full each month
    Post Office Platinum (£3200 limit, 0% to Aug '10): £1544.70
    Barclaycard Platinum (£2500 limit, 0% to Jan '11): £2106.25
    Debt free by Oct 2012
    DFW NERD #511 - PROUD TO BE DEALING WITH MY DEBT
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    fantastic i'm glad youve chosen
  • Storm
    Storm Posts: 1,749 Forumite
    Debt-free and Proud!
    Yay! That walk helped then? I'm so glad you've made a decision, and at least being on a permanent contract you'll know exactly what you have coming in & going out each month!

    Depending on exactly what the work is anyway, if you got broadband at home you may be able to negotiate 1 day a week working from home maybe?
    Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
    O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
    Total Debt 30th April 2008: £0 100% paid off!

    PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT ;)
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Great :D You sound so postive with the changes. Make sure you tell your wife of these plans too so she can begin to see the changes in you too. Can you access the site at night? Just so you can keep us updated with your progress? :D
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • mrsspendalot
    mrsspendalot Posts: 3,238 Forumite
    I am so pleased you made this choice, I really think you have made the right choice in your circumstances. :T
    Olympic Countdown Challenge #145 ~ DFW Nerd #389 ~ Debt Free Date: [STRIKE]December 2015[/STRIKE] September 2015

    :j BabySpendalot arrived 26/6/11 :j
  • bandraoi
    bandraoi Posts: 1,261 Forumite
    Could you do the journey on a moped?
  • B.W._Fox
    B.W._Fox Posts: 151 Forumite
    :mad: sorry - but she makes me cross. What about your freedom?? What about the efforts you're making? What about compromise?!!!!!!

    Sorry. Rant over. :o
    It makes me cross too. But I've been saying yes too long, to her and to my whims. If I definitively say 'no' to things that don't profit me, perhaps that will make an impact.

    My efforts haven't made anything happen yet! Nothing tangible, that is. But today sends a shot across her bow ... I'm doing something to make our future happen.

    To be fair, folks, she turned down a job in Loughton, Essex earlier this year - she could've been a vice-principal at a school there. Same thing applied - it was too far a commute, she didn't want to be away from her daughter and give up her Fridays that she fought for. It was a week of agonising over the ins and outs; I was happy to make changes to help and told her so.

    Now she's being offered a hike in pay (her 0.9 is being upgraded to full, still on 0.9 hours) at her job. A job she hates, mind, but she's stayed in it because my employment record has been so spotty. (And she may yet get pretty much the same title, too.) Hopefully with her experience and her recent MA she could get a good post down in Sussex, where we're looking. I'll soon be in a position to do the same.

    The next 12 weeks will be a real test. The sooner I'm debt-free ... I'm really looking forward to making those overheads count.
    US student loan (2.48%): [STRIKE]$19,152.65[/STRIKE] $2700.19
    Egg Money (£500 limit, 12.9%): paid off in full each month
    Post Office Platinum (£3200 limit, 0% to Aug '10): £1544.70
    Barclaycard Platinum (£2500 limit, 0% to Jan '11): £2106.25
    Debt free by Oct 2012
    DFW NERD #511 - PROUD TO BE DEALING WITH MY DEBT
  • B.W._Fox
    B.W._Fox Posts: 151 Forumite
    bandraoi wrote: »
    Could you do the journey on a moped?
    I thought about it, but I have no money to spend on a fizzy. Perhaps by the winter I might be able to get one, the helmet and the waterproofs.

    Or maybe I'll be as strong as an ox and riding every day ... ? ;)

    From a green perspective I'm against it, too, but we'll see, if needs must.
    US student loan (2.48%): [STRIKE]$19,152.65[/STRIKE] $2700.19
    Egg Money (£500 limit, 12.9%): paid off in full each month
    Post Office Platinum (£3200 limit, 0% to Aug '10): £1544.70
    Barclaycard Platinum (£2500 limit, 0% to Jan '11): £2106.25
    Debt free by Oct 2012
    DFW NERD #511 - PROUD TO BE DEALING WITH MY DEBT
  • B.W._Fox
    B.W._Fox Posts: 151 Forumite
    Storm wrote: »
    Depending on exactly what the work is anyway, if you got broadband at home you may be able to negotiate 1 day a week working from home maybe?
    That's also a possibility ... my wife has negotiated a broadband allowance, but has left it hanging. I need to figure out what's best for us, so I'll head over to the broadband forum soon.

    If I get that done, another feather in my cap.
    US student loan (2.48%): [STRIKE]$19,152.65[/STRIKE] $2700.19
    Egg Money (£500 limit, 12.9%): paid off in full each month
    Post Office Platinum (£3200 limit, 0% to Aug '10): £1544.70
    Barclaycard Platinum (£2500 limit, 0% to Jan '11): £2106.25
    Debt free by Oct 2012
    DFW NERD #511 - PROUD TO BE DEALING WITH MY DEBT
  • B.W._Fox
    B.W._Fox Posts: 151 Forumite
    Sea78 wrote: »
    Great :D You sound so postive with the changes. Make sure you tell your wife of these plans too so she can begin to see the changes in you too. Can you access the site at night? Just so you can keep us updated with your progress? :D
    I'm planning on posting a list of goals on the fridge. I think she'll be interested that not one goal will have anything to do with triathlon.

    Accessing at night - it's dial-up, it's her laptop, it's our phone bill. And if I'm on a forum ... she's just not that clued-in to see that it might help. Yet.
    US student loan (2.48%): [STRIKE]$19,152.65[/STRIKE] $2700.19
    Egg Money (£500 limit, 12.9%): paid off in full each month
    Post Office Platinum (£3200 limit, 0% to Aug '10): £1544.70
    Barclaycard Platinum (£2500 limit, 0% to Jan '11): £2106.25
    Debt free by Oct 2012
    DFW NERD #511 - PROUD TO BE DEALING WITH MY DEBT
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