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Jellie's attempts to banish the wobbles and get debt free!
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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?! :T0 -
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 coupons0 -
Don't feel guilty Jellie, you deserve it, and it was your money, you never put it on the horrid c/c!0
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My payment to the CC has finally cleared- it is wonderful to see it at £02019 fashion on a ration 0/66 coupons0
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I'll bet it is. I remember that feeling.0
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Well done jellie!:j:j:j:j:j:j0
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Fantastic!! Congratulations Jellie!!! :beer:2019 will be my year!!0
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jellie that is brilliant news congratulations!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250
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