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Jellie's attempts to banish the wobbles and get debt free!
Comments
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hi jellie sorry you are not having a good week - hope you are finding ways to relax and nurture yourself. Remember that some of how you feel could just be the january blues rather than anything more serious! Hope things improve for you soonAchieve 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 -
I'm sure some of it is January blues- less walking and sunlight!! Although I'm feeling much more upbeat again today. I have lots to be thankful for after all!2019 fashion on a ration 0/66 coupons0
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Hi Jellie
You still doing great with your money and organisation, and well done for resisting that jacket! I find the clothes thing quite hard too but when I resist temptation I am so proud of myself! Hope you are feeling much better and less stressed. A bath is good, and a walk in the fresh air to clear your head I find is good too. Take care hun
P0 -
Well done on resisting that jacket hun, I usually see charity shops as being definite buys as everything is so cheap but thats obviously not going to get the debts paid off, so good for you!0
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Glad you feel more positive today. Thanks for the pm too.
I am still decluttering - never ending. I am enjoying burning some candles I've had for ages tho - I've got a little trio of candles going which I find cheerful.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 Missy and Prim- it did feel good having browsed and deciding not to buy!
SH you are really inspiring on the use it or lose it front. I've just had a bath and am trying to wait until gone 8 before heading to bed....might light our candles for a bit too.
I think I'll be decluttering for about a year! Once we move and consolidate our things I'll have another sort out but then I need to get all the stuff that I stuck in my mums loft year ago and sort all that out. I feel bad taking up their space and it's got to the point that I haven't used any of it in years, don't know what is up there and probably don't need it!2019 fashion on a ration 0/66 coupons0 -
Glad you are getting some benefit from my comments LOL! Thank you for yours too! I love MSE - I love the anonymity and the ability to be honest too!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 -
Survey being done tomorrow- fingers crossed!!2019 fashion on a ration 0/66 coupons0
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good luck with the survey - hopefully you can get an exchange date soon - that will make a massive difference!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 -
I can't wait SH!
I'm a bit worried in case there is anything on the survey that will make the buyers try and drop the price more.......waiting to hear is always the worst part for me!
Another NSD and £20 PAD. Whittling away slowly this month. Can't wait for payday as I should be able to throw more at my debts next month!2019 fashion on a ration 0/66 coupons0
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