We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Jellie's attempts to banish the wobbles and get debt free!
Comments
-
HI Jellie - hope you have a good week. You sound like you are enjoying cooking!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- I'd got out of the habit of cooking as much when I was ill so it is good to have the time and energy to get back to it.
Another NSD today.2019 fashion on a ration 0/66 coupons0 -
Another NSD and another £20 PAD.
I'm feeling a bit disheartened as I seem such a long way from reaching my goal- not sure I can get cleared by April. It's so tough trying to only buy essentials!2019 fashion on a ration 0/66 coupons0 -
oooh hun dont be disheartened you are doing so well, just look at your little cc picture chart thats a huge amount you've managed, and your NSD's and PAD's are going wonderfully.
And I'm with you on the buying essentials. It really sucks, I'm struggling with it at the moment, but it's a means to an end hun, chin up xx0 -
Thanks Missy.
OH treated us to takeaway tonight meaning I could make it another NSD. Another £20 PAD.
Just wish I had more to spare this month. I'm going to have to do amazingly well in Feb and March to get to my target!
Would feel better if the house sale was going faster. Christmas, New Year and the snow has meant it's only just getting started.2019 fashion on a ration 0/66 coupons0 -
bless you hun, good things come to those who wait though, as the saying goes, it'll all get there. x0
-
hope the sale goes through quickly now. Don't know abut you but we have more snow due tomorrowAchieve 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 -
Hi Jellie
Just popped over to say Hello via Missymoo's diary.
Hope your house sale gets sorted asap.
*** Daft Question...erm, whats a PAD? (...hides with embarassment) ***
DFW'er - Lightbulb moment : 31st July 2009 - £18,499
28th October 2019 - £13,505 - 27% paid off.
Demolishing my House of Debt.. one brick at a time!!
Thinking of spending???..YNAB says "NO!!!!"0 -
missymoo81 wrote: »bless you hun, good things come to those who wait though, as the saying goes, it'll all get there. x
Thanks Missy. Patience is a virtue I need to work on!!savingholmes wrote: »hope the sale goes through quickly now. Don't know abut you but we have more snow due tomorrow
Thanks SH- we had quite a lot of snow last night and today. Driving was very scary this morning but safe home now and getting some work done here.Chrisblue1962 wrote: »Hi Jellie
Just popped over to say Hello via Missymoo's diary.
Hope your house sale gets sorted asap.
*** Daft Question...erm, whats a PAD? (...hides with embarassment) ***
Hi Chris! Thanks.
PAD is a Payment A Day- you make a payment to the credit card every day and watch the balance gradually going down!!
Another NSD and £20 PAD today. Getting there slowly!2019 fashion on a ration 0/66 coupons0 -
I'll probably try this pork chop recipe tonight from Jamie Oliver
http://www.lovelyrecipes.com/recipe.php?recipeid=2099
I'm starting to get bored with writing the same old thing in my diary- another NSD, another £20 PAD.
I really had to battle the urge to shop today- just felt like going out and buying something, anything!! I don't know if it's due to boredom or a sense of being denied stuff doing the essentials only money diet!
I'm hoping trying to have an enjoyable evening cooking etc. and maybe treating OH to a cheap lunch at the weekend will make me feel a bit better!
Any other ideas anyone?2019 fashion on a ration 0/66 coupons0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards