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

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi jellie nice to see you back. glad the move went okay and the date is now set for the wedding. Hope you manage to have a less stressful week too! enjoy the sunshine and make time to relax!
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Hi kayleighpea and savingholmes!
    Work still stressy- I really have to learn to handle things better!
    Although I'm taking time to relax I only seem to have the energy to slump in front of the tv!
    On the plus side I haven't been spending much either. I'm hoping that some of the habits I got into as a DFW have stuck!
    2019 fashion on a ration 0/66 coupons
  • yukkibear
    yukkibear Posts: 5,556 Forumite
    Part of the Furniture Combo Breaker
    Hi Jellie, great to see you back, sorry it's taken me ages to say HI
  • Chrisblue1962
    Chrisblue1962 Posts: 1,203 Forumite
    Part of the Furniture Combo Breaker
    Hi Jellie, glad to see that you're back...bit like myself :o.

    Apologies for not posting for ages as myself and OH have been helping out a friend who has had mega serious life issues to sort out...ours pale into insignificance by comparison. Anyway, things have gone from o.k. to totally pants here...OH lost her job towards end of May so things are so tight financially its untrue :(

    Glad you're ok and will try to post more often.

    :hello:
    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
    Hi Yukkibear and Chris blue. Lovely of you both to drop in.
    Sorry to hear OH lost her job Chris. I know you had an idea it was coming but that doesn't make it any less difficult.

    I've got a half day today so I'm back to sorting out and decluttering in the new house. Unfortunately I need to go out and buy a couple of vacuum storage bags now as some of my old ones have died! Will have to resist buying other things when I'm out!

    Did rather well sorting out bathroom storage as I got a couple of shelving units from tesco. They're not perfect but at least they didn't break the bank.

    Must get back into the habit of reading diaries for inspiration again!
    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 glad things are going reasonably well. Can totally relate on the tiredness thing....
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Have started looking at more stuff for wedding and potential costs seem to be going up by the day. We are considering a meal at the local restaurant followed by a party at home. Potentially more money but less hassle!
    2019 fashion on a ration 0/66 coupons
  • Chrisblue1962
    Chrisblue1962 Posts: 1,203 Forumite
    Part of the Furniture Combo Breaker
    Hi Jellie, sounds like your wedding plans are gatherig pace... good luck. Get the impression as soon as you mention the word "wedding" to any supplier / caterer / business, everyone puts 25% on the price!
    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
    That does seem to be the case Chris. We are regulars at the restaurant and it is their regular party menu so we're lucky there! There is a good choice for each course and we would probably just buy a couple of bottles of house wine for each table with drinks at our place before and after.
    2019 fashion on a ration 0/66 coupons
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    *Jellie* wrote: »
    That does seem to be the case Chris. We are regulars at the restaurant and it is their regular party menu so we're lucky there! There is a good choice for each course and we would probably just buy a couple of bottles of house wine for each table with drinks at our place before and after.
    How long is it to go now before your wedding?
    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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