We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Easter 2025 I’m coming to get you!
Options
Comments
-
Glad that you are happy with the new matressI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Big “payday shop” done and stayed in budget! Freezer full of discount bread buns for pack upsSPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)1
-
Bought a few bits today but they were all on offer and all out of the various “pots”. Child benefit due on Monday so will move some money to savings, I like to keep a buffer in my current account just in case and then tidy it up right at the end. Off to make some chilli for the freezer and probably a cake as the boy never stops eating so at least that will be some thing else he can eat. I’m estimating that my daily interest will be down to £4.50 this month which means even with no overpayments only the standard ones by the 10th September direct debit I will have paid off £20,000 in just less than 4 years. That makes me
what doesn’t is the fact holiday club are trying to over charge me :mad: off to send that email next.
SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)1 -
Been a bit neglectful recently, I’m blaming school holidays. Managed to get holiday club invoice sorted, they had overcharged me by £41. Had some good news yesterday, I saw my frog
. I had imagined the worst when Hetty found half a frog on the garden path
But yesterday when I was in the garden a little froggy head popped out of the pond to sun itself
Been to the library van this morning and now just filling in a bit of time as I’ve got my interview at 2 pm. Dropping my son off at a friends at 1pm. It’s raining and my hair is frizzing but hey they aren’t going to employ me for my hair style as it’s not a hairdressing interview. I do seem to have paid out a lot just recently but it has all come out of the various “pots” and I’ve been entertaining a six year old. Weekly shop last night that came in at £28 so a few pounds over budget but cupboards are stocked with staples for a bit longer.
Well off to get ready now. This is interview number 8 in the last 18 months so I should be use to this now but tummy is still :jSPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)1 -
Hope interview goes wellI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Hope you land the job of your dreams soon. I once had 10 interviews in a row and got turned down. I sought feedback and was told - I didn't smile enough when I was greeted or in the interview. I didn't make enough small talk on the way to and from the interview. My passion and enthusiasm didn't come across. The agency suggested to me that I take in extra copies of my CV (the interviewers had often lost them), take my certificates in a portfolio and take a pen in with me. She suggested that I treat it like a normal meeting. Just having the pen available, my CV and portfolio was enough to relax me and I got the next few jobs I went for.
On the 11th interview - I wrote down all the reasons why the job was right for me and I was right for it on the train on the way... I landed it with ease.
HTHAchieve 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 29/7/251 -
I hope the interview went well. I've got my fingers crossed for youMortgage-free wannabe 2025 £571/30000
-
Thanks everybody for your wonderful support as always
. It went Ok and they seemed a really nice and welcoming place. Bit further away than I work now in mileage but only took me similar amount of time and they said they are a flexible company as they realise people have real lives. She is putting together a team of 4 new positions due to the massive growth plans the company has (its a growing new industry) so she is still interviewing. She said she would let me know at the end of next week and if she can’t give me a decision by then she will let me know how things are going etc. Just wait and see. Only in work three days next week as I’ve taken some holiday however I have my staff review on Tuesday
. Filled the form in last week and told the truth regarding the lack of support, reduction of hours of role etc so see what the feedback is like. Looking forward to next Friday though as we are going to Countryfile Live; we love a good tractor in our house!
SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)1 -
Glad that you got on well.
Enjoy your weekend.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
It was mortgage direct debit on Monday and I’ve just overpaid another tenner thanks to Prolific. Mortgage now stands at £60, 341.23 and so far this year I’ve overpaid £1246. My daily interest has fallen to £4.48 from £4.52 this month so saving me 4 p a day; it all adds up. My boy won’t go to bed so I can’t clean the bathroom until he’s asleep, ah well at least I got the towels in the washer before this fiasco started, by the time he’s asleep they might have finished.SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards