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Jellie's attempts to banish the wobbles and get debt free!
Comments
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well done on the extra payments.
Glad the presents boxes are doing what they were designed for and stopping you having to buy everything all at once. Problem is I always buy far more than I need!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 10/10/250 -
savingholmes wrote: »well done on the extra payments.
Glad the presents boxes are doing what they were designed for and stopping you having to buy everything all at once. Problem is I always buy far more than I need!
Thanks
I have more than I need to. For several people I have a choice of gifts I can give them. I need to make an effort to use up some of the boxes and then keep an up to date list of gifts I have in my notebook. That way when I see a bargain out shopping I can decide if it is worth getting it for someone or if I already have enough pressies to last then the next 10 years :rolleyes:2019 fashion on a ration 0/66 coupons0 -
Thanks
I have more than I need to. For several people I have a choice of gifts I can give them. I need to make an effort to use up some of the boxes and then keep an up to date list of gifts I have in my notebook. That way when I see a bargain out shopping I can decide if it is worth getting it for someone or if I already have enough pressies to last then the next 10 years :rolleyes:
This is me too. I went mad in the Boots 75% sale and have so much stuff for some people, but then there are others I have nothing at all for so I need to get a notebook and keep notes too and keep it in my bag for use when I'm out and see "the perfect present for so and so", forgetting that I already have four perfect presents already for that person! I think it's because some people are so easy to buy for and others are so difficult.0 -
Exactly. It is also really difficult to not then give the person more presents because you know they didn't cost you full price and you have them sitting there just waiting to be given to that person!2019 fashion on a ration 0/66 coupons0
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Grocery shopping £49.54 today- soon adds up!!2019 fashion on a ration 0/66 coupons0
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Hi if we get in control of this kind of spending tho - it is going to help for a long time to comeAchieve 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 10/10/250 -
Very true. If I can keep roughly to budget then I'll be happy. My main problem is definitely splurging!2019 fashion on a ration 0/66 coupons0
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Splurging can be a problem - perhaps you can find a way to create splurging money. I use some of my £10 a day challenge money as a way to cushion my desire to have little luxuries....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 10/10/250 -
I have money in the budget now for splurging but try not to spend it and use it to pay debts etc. I have enough every month that I could splurge on books or entertainment or clothes but I'm really trying not to. I figure it could make a difference of a few months on my debt free date! When I'm past that I can have more treats!2019 fashion on a ration 0/66 coupons0
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Good on you - I think with the size of debt you have I would be more inclined to keep going and hold back on the splurging - but I think because I have more debt in a strange way I feel the need for occasional treats to keep going. That is my excuse and I am sticking with it! I only tend to spend relatively small amounts tho (but still more than I probably should)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 10/10/250
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