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Jellie's attempts to banish the wobbles and get debt free!
Comments
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Ah bless you all!
I'm fine- just a mixture of busy and not getting much moneysaving done to talk about!!
Am back up to full time this week. Increasing the workload gradually has really helped but it is still tough!
Money saving wise I spent a couple of hundred pounds online getting pressies for OH's birthday :-0
Will try and report more soon!!2019 fashion on a ration 0/66 coupons0 -
nice to know you are okay... we care... we also know that people fall of the bandwagon more when they don't post... so...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 -
Good point SH!
I'm not doing great financially but not too bad either! I think I should make it through to end of year in budget but won't be able to throw quite so much at debt as I'd like! I've decided not to be too hard on myself this month- time for a few treats and make things special for OH's birthday. As long as I get some money paid off debt this month I'll be happy. Have car tax to pay too so it's not all going on fun and have done most of the Christmas shopping already- just stuff for OH and a couple of little things left to buy.2019 fashion on a ration 0/66 coupons0 -
Good - it is important to celebrate the positive!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 -
the pressies have started arriving- I hope I've made the right call and he likes them. Am slightly worried I should have gone for one major pressie. What if all the nostalgia just depresses him! A whole week more until I find out!2019 fashion on a ration 0/66 coupons0
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hope he likes them too
OH just said don't get lots of little thing... blah blah...
I said too late!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: »hope he likes them too
OH just said don't get lots of little thing... blah blah...
I said too late!
:rotfl:Like your style!!
Hopefully he'll appreciate being made a fuss of even if I've missed the mark!
This looks like it will be my 4th NSD in this month. Feel like I'm more back on track. Last month I spent a bit more treating myself to the new boots etc. Hopefully this month I'll get a good balance between spending and debt busting!
Starting to think about resolutions for next year too. I tend to focus on a different area of my life each month rather than trying to do everything in one go in January!2019 fashion on a ration 0/66 coupons0 -
NSD? what's one of them? not had one for ages. Must have them for the rest of the month though.0
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I'm trying to get as many in as I can now before it all goes pearshaped when I'm off!2019 fashion on a ration 0/66 coupons0
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I like the idea of spreading your resolutions out thro the year....
Might borrow that!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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