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Jellie's attempts to banish the wobbles and get debt free!

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Comments

  • missymoo81
    missymoo81 Posts: 8,056 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    oh jellie hun so very well done on the egg card :j that's such a lot, how have you managed it? And the month isn't even over yet!!! yaaaay time for a MSE celebration :T x
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Thanks Missy. I basically have tried a No Spend Month- buying essentials only. It helped that I've been ill most of it- less petrol, no eating out etc. Have thrown every spare penny at the debt.
    2019 fashion on a ration 0/66 coupons
  • well done jellie, being ill can have its advantages!!x
  • missymoo81
    missymoo81 Posts: 8,056 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    it can indeed, now if you wouldn't mind coughing in this direction Jellie I could do with a no spend month!!! :D x
  • Fire_Fox
    Fire_Fox Posts: 26,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    *Jellie* wrote: »
    Have paid off my Egg card :j
    £730 paid so far this month....almost at my personal best!

    WOW: next round in the Money Savers Arms is on me!
    :beer::beer::beer::beer::beer:
    Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Thanks everyone- I wouldn't be doing so well without all the help I get on here. A month ago I was really down because I'd had a bad month with unexpected money going out. Having worked really hard to reduce the debt I was almost back where I started again. People on here encouraged me to keep going and cheered me up. If it wasn't for them I'd have probably ended up getting in more trouble by emotional spending. Thanks guys.
    2019 fashion on a ration 0/66 coupons
  • missymoo81
    missymoo81 Posts: 8,056 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ahh bless you hun, i imagine people are just doing what you have already done for them. giving you help and support as you have to them.

    x
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Thanks missymoo- I guess that's the beauty of community
    2019 fashion on a ration 0/66 coupons
  • well done Jellie on your biggest eve payment - really well done to you!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • yukkibear
    yukkibear Posts: 5,556 Forumite
    Part of the Furniture Combo Breaker
    well done again (on the proper thread) for paying off that card
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