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Jellie's attempts to banish the wobbles and get debt free!
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i've got a problem with splurging in craft shops, but i've given myself the permission to only spend what i've put aside from the bits i've saved on shopping receipts etc. I figure that normally i would have spent the money but it's by savvy MSE shopping that i've managed to save the funds so it helps me fund my crafting habit. I have come up with a cunning plan for christmas pressy's this year which involves lots of work from me but means i use up lots of scrapbooking papers that i no longer like - i'm making scrapbook calandars, almost done the first one, i've got quite a few to make so it's going to keep me out of mischief and stops me picking at sweets etc0
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I don't think I have ever had a present for someone more than two months before Christmas. I have had ideas but never done the deed: you guys are soooo organised!! :TDeclutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️0
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Hi Jellie just popping in to see if you're holding up ok? Hope so. *hugs*
You're brill for having a pressie box - very organised!
:money::T
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''0 -
Hiya
Hope you feeling some better.
I am very pleased with myself - do you remember my ironing basket and the pesky linen jacket that never got done? Well, it's done and I can see the bottom of my ironing basket. You have to imagine me singing and dancing and jumping around with joy at this point! LOL
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Hiya Jellie, hope you're feeling a bit better
Sx'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
Hi everyone! Thanks for the best wishes. I'm still struggling on. My scans have come through- more fear to face but hopefully some answers too.savingholmes wrote: »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)
Good strategy SH. If I was doing this for a long time I would definitely need to have more money built in for treats.Lemon_Tree wrote: »i've got a problem with splurging in craft shops, but i've given myself the permission to only spend what i've put aside from the bits i've saved on shopping receipts etc. I figure that normally i would have spent the money but it's by savvy MSE shopping that i've managed to save the funds so it helps me fund my crafting habit. I have come up with a cunning plan for christmas pressy's this year which involves lots of work from me but means i use up lots of scrapbooking papers that i no longer like - i'm making scrapbook calandars, almost done the first one, i've got quite a few to make so it's going to keep me out of mischief and stops me picking at sweets etcHiya
Hope you feeling some better.
I am very pleased with myself - do you remember my ironing basket and the pesky linen jacket that never got done? Well, it's done and I can see the bottom of my ironing basket. You have to imagine me singing and dancing and jumping around with joy at this point! LOL
P2019 fashion on a ration 0/66 coupons0 -
Just a quickie to let you know I'm thinking about you and sending you some good vibes.
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I think you are doing brilliantly to keep so on the ball when you aren't well, you must be positively dangerous at full power!!Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️0
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Thanks guys. I'm really struggling at the moment!
Not doing too bad on saving money but still feel awful!2019 fashion on a ration 0/66 coupons0 -
Sorry you are feeling so rubbish - hope you feel better soon.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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