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

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  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    I think that is one of the reasons why so many dresses ended up back on the rails today. Although I felt some were really beautiful they just didn't quite fit properly in one way or another. Some just needed to be a bit shorter but since I've got a pile of clothes I haven't altered in years it seemed silly to add to the pile!

    I think I'm just in the right move to get rid of things at the moment. I feel like the clutter is draining me!

    I'm a step behind you on lots of this but working towards happiness and healthiness seems apt for me too. I think in some cases the key thing (and the hardest) will be a change in attitude and thought patterns!

    Well done on getting the BMI down. It is great that wii is a family event too!
    2019 fashion on a ration 0/66 coupons
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    congratulations on gettign debt free!!!!!

    what have you done with the dvd's?
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Thanks LemonTree
    The dvds have gone to new homes or the bin! Most of them are things we've recorded from tv over the last few years......I think we need to cut down on this :-)
    Have also gone through my magazines and started on the paperwork. Have decluttered living and dining room and am getting started on bedroom. Have unpacked a couple of boxes too.
    2019 fashion on a ration 0/66 coupons
  • Hi Jellie you must be feeling great! You are proof that hard work pays off!xx
  • maysmummy
    maysmummy Posts: 230 Forumite
    Tenth Anniversary
    Hi Jellie
    are you closing this thread now you're debt free:j:j:j?
    I will miss your thread so much if you do:(
    MM
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Thanks BTD and Maysmummy.
    I may close the thread at some point but only to start a new one charting my debt free progress! Am on the way today- have just transferred £500 to savings. Had overpayed on direct debits at my house so have got a few hundred back!!
    We'll need to spend money on things when we move- new curtains etc and we are also considering a new car. Plan is to save like crazy for these things as would like to avoid a car loan if possible.
    2019 fashion on a ration 0/66 coupons
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi jellie sounds like things are going well. Getting money back from DD is always nice. To be car loan free would be great too!
    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
  • Chrisblue1962
    Chrisblue1962 Posts: 1,203 Forumite
    Part of the Furniture Combo Breaker
    Well Done Jellie on getting debt free. This is definitive proof that it can be done.!

    I am looking forward to saying "No" to the banks and credit card companies when they offer me credit in the future because I'll have saved for what I need to buy :) and if I don't need then I wont want it!...
    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!!!!"


  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    CB- weirdly it feels very scary getting there! Am a bit worried I'll fall back into old habits!
    Another £200 into savings today.
    Car insurance due next month so that should be covered by the savings already.

    SH- seeing some of cars OH would like I might be a bit optimistic that we'll manage it without a car loan!!
    2019 fashion on a ration 0/66 coupons
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi jellie - I can understand what you mean about temptation.

    I got a Meriva 5 year old for £4K - cars don't have to cost the earth
    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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