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

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  • Primula
    Primula Posts: 953 Forumite
    *Jellie* wrote: »
    Just realised I should be able to pay off my debts and start saving on pay day- over a month earlier than planned!! :j
    I'm feeling quite proud of myself as I was originally supposed to be debt free in September so I should have knocked off 6 months from my debt free date by deciding to aim high and try and be debt free for my birthday!!

    Yeah, you have done so well Jellie. You have achieved so much, well done hun. Can we all share in the cake and champagne on pay-day when you are debt free?! :T
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Of course- virtual drinks all around on my DFD.....very MSE!!

    Got some money back from my direct debits having been too high for gas and electric. I decided to break my 'essentials only' ban for today and treated myself to a much needed new Winter coat and 2 fleeces in the sale. Also managed to make a £150 payment to the debt as well. Feel a bit guilty for spending on clothes but I figure within a week I'll have paid off the rest of my OD anyway!
    2019 fashion on a ration 0/66 coupons
  • Primula
    Primula Posts: 953 Forumite
    Don't feel guilty Jellie, you deserve it, and it was your money, you never put it on the horrid c/c!
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    My payment to the CC has finally cleared- it is wonderful to see it at £0 :D
    2019 fashion on a ration 0/66 coupons
  • yukkibear
    yukkibear Posts: 5,556 Forumite
    Part of the Furniture Combo Breaker
    I'll bet it is. I remember that feeling.
  • Primula
    Primula Posts: 953 Forumite
    *Jellie* wrote: »
    My payment to the CC has finally cleared- it is wonderful to see it at £0 :D


    Well done Jellie
    x
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Thanks guys.
    Paid off my remaining £1295 today and I AM NOW DEBT FREE!!
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

    debt.png
    2019 fashion on a ration 0/66 coupons
  • Well done jellie!:j:j:j:j:j:j
  • Fantastic!! Congratulations Jellie!!! :beer:
    2019 will be my year!!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jellie that is brilliant news congratulations!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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