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Diary of a Poor Person aged 46 1/2

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Awwwwwwwwwwww - I've been missed. Certainly a first for me! Nice to be missed. Feel all needed now. Even if it is for my warped sense of humour!! LOL.

    Whoop-de-do MrsCMR. Go get 'em cowboy. Totally impressed with all your debt blasting.

    I too must get my Ebay head on. The thought of listing is enough to deter me, I tell you. Its all a bit....... well, how can I say it.... Faffy? Is that a word? Have I just make a word? Can I get paid for my new word invention?
    We missed you! I too need to get the hang of ebay.... (disappears off into the distance to do something important... now what was it):rolleyes:
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    afternoon all.

    thanks for popping in.
    well a good day.
    ebay is great! mrs gg i can highly recommend. i must say i stress a little about people being disappointed so i am completely and thoroughly descriptive in my items details. i do not want any disappointments.
    in fact listing new items gets me v excited - now thats sad!
    how you all doing?
    catch up soon
    mrscmr
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • Have had better days TBH.

    Still not got my motivation up to get ebaying, I know I should, have lost my enthusiasm a bit. Its all getting a bit monstrous and every minor effort seems to much of an effort to even bother with. Guess I am on the slippery slope of montly madness, one minute I am down, next I am up, next I am laughing my !!! off, the next I am chirpy as hell, the next I am debt busting with a vengance.

    Oh why can't I win the lotto??? Oh yeah, I don't buy tickets, that'll be why!

    Hope you are swell MrsCMR! Hope the CMR Jnrs are behaving and not causing you too much grief.
    ** Proud to be dealing with my debts **
    LBM - Jan 2009 _pale_ : £24,802.21 :eek:
    February 2010 :silenced: : £18,078.47 (not including OD)
    July 2010 :( = £16,819.34 (not including OD)
    January 2012 :mad: = £14,338.75 (not including OD)
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi MrsC - what is your new ebay total then? Is it still rising? any other new freelance work coming in?
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    ok friday's news
    ebay up to £1200
    spending - not bad
    debt situation - getting better
    sold the car... nope but its advertised and we will give it 3 weeks
    kids - they are good - except for #3 who is obsessed by mario kart ... we all grit our teeth and swallow our pride and make sure we come last and not child #3!
    watched the tale of depereaux on dvd yesterday - thats a really nice film
    had the next catalogue delivered but its still in the box... but u know what i know i just know that in there are wonderful things... must be strong and fight the force of evil!!!
    my garden is looking nice but need to get more done this weekend i hope.
    well everyone have a great friday and weekend!
    hugs mrcmr
    keep fighting !!
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    £1200 from ebay sales is pretty impressive! Have a great day!
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    well here is some progress
    when i started diary in march 09 our cc/loans etc was at £146,000 and now its ... £139,017...

    Thats progress!!!
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • ferox666
    ferox666 Posts: 177 Forumite
    Just read most of this thread mrscmr, very inspiring and motivating!!! Keep up the good work and continue to let us know of your progress :)

    Just being nosey here but what kind of work do you and your husband do???

    It would also be interesting to see a S.O.A. (Statement of Affairs) summarising your monthly income & expenses so people can see if they can help advise on cutting back on some of it :)
  • Karen_30
    Karen_30 Posts: 823 Forumite
    mrscmr wrote: »
    well here is some progress
    when i started diary in march 09 our cc/loans etc was at £146,000 and now its ... £139,017...

    Thats progress!!!

    woo hoo!!!!:j

    Well done you :T I can't wait for more updates and imagine when you sell the car too.....yay!! x
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :TThat is amazing progress MrsC!:j
    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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