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

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Comments

  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    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 etc
  • Fire_Fox
    Fire_Fox Posts: 26,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    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!! :T
    Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️
  • 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''
  • Primula
    Primula Posts: 953 Forumite
    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
    P
  • 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 Wilde
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    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.
    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 etc
    More great MSE ideas! Treats are that much better when you know you've paid for them from saving on something else!
    Primula wrote: »
    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
    P
    Yeah :j Now don't go wearing it too much or it will end up in there again ;)
    2019 fashion on a ration 0/66 coupons
  • Primula
    Primula Posts: 953 Forumite
    Just a quickie to let you know I'm thinking about you and sending you some good vibes.
    xx
  • Fire_Fox
    Fire_Fox Posts: 26,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    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!! :p
    Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    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 coupons
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 10/10/25
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