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Jellie's attempts to banish the wobbles and get debt free!
Comments
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That sounds like a great idea to focus on something different every month. Would keep the motivation up.
How's the meal planning? I just made myself get something out of the freezer so I know what I'm cooking tonight lol. (after takeaway last night I felt bad)0 -
I find it far more effective spreading the resolutions. Having focused on something for a month it's hopefully become a habit by the time I move onto the next thing. If I try it all at once I don't tend to last that long!!
Meal planning not going so great at the moment. Although we're going to make an effort to eat some of the things we've frozen to get us through this week. The idea is to clear more space in the freezer and get back to doing proper cooking in a couple of weeks when we're both off and hopefully have more energy!2019 fashion on a ration 0/66 coupons0 -
OH has had his birthday. He liked all his pressies so it was money well spent! Time to go and check how I'm doing this month!!2019 fashion on a ration 0/66 coupons0
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well done on getting it right for OH's birthday - I know how hard that can be!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 -
Thanks SH
Just paid £606.99 to the CC- figure if it's not in my bank account in the run up to Christmas I won't be able to spend it!! I'm desperate to stay on track if I can.
I've been thinking about resolutions and will probably focus on financial stuff in January. For a start I need to start keeping a spending diary again.2019 fashion on a ration 0/66 coupons0 -
that's how i work Jellie, i pay things off as soon as possible to get 'rid' of my money so i can't spend it elsewhere.0
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It's a difficult balance though- want to have enough to be able to go out with OH for meals etc in our 2 weeks off. Hopefully I've left enough!2019 fashion on a ration 0/66 coupons0
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well done on the payment - good approach - I definitely need to do more to cut out my fritter spendAchieve 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 -
hey hun, you are still doing wonderfully, I'm sorry I haven't popped by for a while. Keep up the fantabulous work as always you are an inspiration.
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It's amazing how much extra little things you end up spending out for in the run up to Christmas. It's really tough reigning it in without being tight!!2019 fashion on a ration 0/66 coupons0
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