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Diary of a Poor Person aged 46 1/2

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Comments

  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    well OH and i are talking this weekend about cyprus! if we put on market and got 600k euro then we clear and we skip off into sunshine! they are selling them new for 700k euro
    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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We are on interest only mortgage from the day we bought this house.... It is better to be able to consistently meet your payments than not - you can always over pay (you would need to check the ts and cs of your individual mortgage). Takes pressure off tho
    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
  • Hello, i am alive but what one hell of a day !! my feet are numb :D ... mrs cmr there is always a silver lining for you keep strong and be good you have to do what you have to do in the long run... it sounds like an idea re the cyprus home maybe that can help clear some of the debts if the terms and conditions allow :D how is everything else ??? 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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hi happytoget... sorry to hear you have had a bad day... whats been going on?

    i am more than happy to sell cyprus now - really need it. just had conversation with OH on phone about income and seems that there is NO way we will even cover out outgoings on bills etc with his income.. dunno why/how but any way we are working figures out at weekend. ooo grim... gotta do something to sort this and fast :-(

    got 255 things on ebay at min which is good but not good enough...

    night night all.

    ps why is there nothing on the tv at the moment?
    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
  • because tv is always crap :D.. mrs cmr im sure you will be fine, you have a problem you are fixing it and i think things will work out i know it will..... ebay may surprise you wish i could help we are just doing soa :D xxx
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hmm soa... good luck!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
  • well i am a geek i like all nice colours just so it feels nice and not so glum....... life is glum enough as it is :D...... i think we will be okay love dont beat yourself up i know your down i get down somedays but life will correct itself... re work i never stopped sorting out the filter and drugs and then i didnt have anything to eat till nearly 2pm from 6am i was a walking zombie not enough arms :D must grow more haha 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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    tell me how to grow more arms please 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
  • Hi MrsCMR

    Good work on the ebay front!!! At least there is some light re the Cyprus house-if this sells,does it sort the whole debt for you? if so, then I would say all systems go,,,,,,,

    will1x
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    if we can sell it and its a big if we could clear 200k to clear some off our mortgage here and all our cc and loan debt. BUT .. just need to find that nice little person with the money! not easy!

    night all and thanks for popping and posting!
    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
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