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

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Comments

  • savingholmes
    savingholmes Posts: 29,085 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hope you are okay Jellie
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Thanks everyone. Slept well but still tired so might go back to sleep again :)
    2019 fashion on a ration 0/66 coupons
  • I would if I were you!! :);)
    Proud to be dealing with my debts one step at a time.
    Weight Loss Progress - 0 out of 56lbs
    WBDF's 'Weight Loss Challenge to Christmas 2009' Progress - 0 out of 21lbs
    Part of the DFW Addicts '''Blankie Club'' - Working my way to VEGAS baby
    October NSD's 0/10
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Should be another NSD here! Not much to report as I'm just watching TV and reading. I can't wait to get better and have a life again!!
    2019 fashion on a ration 0/66 coupons
  • Hello Jellie. I'm new to the diaries and am just searching through for some inspiration and came across yours. I just started mine yesterday and its going to be a long journey. But anyhow, just wanted to say your doing a great job and seem very productive, keep up the great work. I will go and subscribe to keep myself updated. :)


    thecatswhiskers xx
    ''Who among us hasn't envied a cats ability to ignore the cares of daily life and to relax completely?''
    ''There is, incidentally, no way of talking about cats that allows us to come off as a sane person''
    ''Beware of people who dislike cats''
    ''There are few things in life more heartwarming than to be welcomed by a cat''
  • savingholmes
    savingholmes Posts: 29,085 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hope you managed to catch up on my sleep
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • missymoo81
    missymoo81 Posts: 8,034 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey Jellie, I'm so sorry I've been away for so long. And oh poor you having an op, big hugs all round. If there's anything I can do for you hun pleaes PM me, there's nothing worse than feeling poorly and a bit helpless. You're on the mend now which is a great thing, Just rest and keep watching Jeremy Kyle ant I'm sure you'll be fit and fighting in no time.

    big hugs

    Missy xx
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Hi thecats whiskers! Welcome to diaryland. Mine hasn't got much MSE stuff in it at the moment as I'm feeling too ill to worry about meal planning etc.

    SH- think I'm caught up now. Being sick quite a lot again though, which is quite draining

    Missy- I knew you'd be busy catching up with OH. Thanks for the offer of help- having people here to chat to makes a difference as I feel very isolated from being off at the moment. I think the isolation and anxiety about this dragging on for so long is making me feel worse. It doesn't help knowing everyone at work is quite stressed as I know I'll need to be at full strength to cope but feel like I need to get back asap to feel like life is normal again....am I making any sense?!
    2019 fashion on a ration 0/66 coupons
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Have just paid my PADs over to the credit card- another £100 wiped off the debt!
    2019 fashion on a ration 0/66 coupons
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Just checking spends so far this month. If I stay within budget I reckon I can aim to clear £700 this month. The tough thing is going to be managing in the run up to Christmas- I need to stick to my resolve and be careful on spending on OH for his 40th and Crimbo. I'm sure when I get through the rest of the present boxes I'll need to buy very little for people. That doesn't mean I won't get carried away!
    2019 fashion on a ration 0/66 coupons
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