📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Diary of a Poor Person aged 46 1/2

1106107109111112380

Comments

  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi mrsC - hope the ebay works for you.... If I get a job this month then we will have got thro this unemployment period without adding to our debt other than to buy a car which couldn't be avoided.... (even Martin Lewis calls that good debt)... However if I don't get one soon - I am considering writing a credit card cheque to ourselves just to maintain cash flow.... so we can meet all our minimum payments etc....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    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
    wishing you well .. SH ...September is ususally a good month for new jobs i seem to recall from my old recruitment days!
    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
  • Wow... just spent the last couple of hours reading from the beginning... you've had some serious ups and downs mrscmr but you seem to have remained resolute and positive throughout the whole experience! You truely are amazing! I'll be subscribing from here on in :)

    Sx
    'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Oh Sarah... thank you so much, firstly for being brave enough to read through all this twaddle which is my life and for posting! Yes its been up and down and we are trying for the up all the way at the min!

    have a good bank hol!
    x
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hmm actually i dont feel very well today. was going to go cinema with kids but .. think not!
    got a pile of stuff ready for photographing for the last fee free ebay day today...
    thinking might go to bed but kids nightmare. downloaded mariokart 64 on the wii cost me £7 but now they still fighting... roll on school i say!
    still, seeing my mum tomorrow so thats all good stuff asked her to bring loads of magazines for ebaying hopefully she will!
    x
    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: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    mrscmr wrote: »
    wishing you well .. SH ...September is ususally a good month for new jobs i seem to recall from my old recruitment days!
    Really hope you're right. It is normally a good time!

    Hope you feel better soon too....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Love I hope u feel better soon x nit going to Australia someone calculated the flight price long it's too expensive so we have got a price for Dominican all inclusive it's 1600 for the both us and it also means we can pay sone debt off x x what's the plans this week c
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • Jo4
    Jo4 Posts: 6,839 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Are you feeling any better? Does oh like his new job?
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    im having most rubbish day... to say that i have had enough of school hols is an understatement. its all out war in this house and im losing. house a complete mess... just needs a lit match thrown in and burn the lot! [only joking]
    feel tearful and despairing for no reason at all.
    ebaying but nothing selling ... duh!
    garden is a complete jungle thats down to rain/sun/rain/sun over and over. need to cut grass and tidy but have no inclination and thinking of leaving it completely. wanted to buy some bulbs to plant but have no money or motivation.
    need to go through this house in great detail to find ebay treasures - when i have no small kids about getting in the way!
    need to have this house redecorated but cant afford. need a new shower cant afford.
    feeling low... - sorry if im not full of fun todayx
    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
  • Ditto dont be feeling bad love crap happens but we get through this get the kids in the garden And get them cutting the grass. Not enough hours in a day :) but we will get there my love anything I can do to help just say your doing well relax have a tap on the back and look how well u are doing look where u was at the begining what u have achieved where u are going the future is bright my friend and we will all be here to help I'm virtually cutting the grass x chin up x
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.