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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
    One pair was ripped wide open - that has gone straight in the bin. The other was ripped but mendable if I only had a needle. He has some black almost jean type trousers which are currrently in the wash that I think will have to be worn tomorrow. Why he couldn't have told me on Friday or even earlier today while the shops were still open I will never know! It is likely to blow my budget a little this month but there we go! He never used to play football or rugby - now he seems to do it at playtime in his school trousers with predictable results! I can't complain tho - at least he is getting more exercise! It is also the first year I have had this problem!
    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
  • Hi there what a wonderful wake up call diary, and well done for coming on the debt free bard :) not to make you feel bad but im 25 and 1 month :D gee i feel happier for that, i think its lovely that you are dealing with the debt in such a positive way after all its hard going to let go of luxuries you are brought up with :D so every little helps :D ... my oh is in the computing industry and by gum lol if he touches on anything you are i will be stir crazy :D one can have dreams :D... im sure everything will work out fine :D keep plodding and keep at it and remember theres always support be at the early hours or the late nights :D this website has been my life saver if i hadnt of had my wake up call id be on a slippery slope and i think my debts alot it makes me ill thinking about it but we are paying the bills, funding the wedding and not increasing debt :D what more can a girl ask for :D xxx i look forward to reading the journey to debt freedom 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 and morning!
    bit of a gloomy day, a wet start and freeezzzing cold too.
    well sorted out a domestic issue this morning already so thats progress.
    last night managed to deal with 2 tasks so now 3 remaining! but these are biggies!
    ebay is looking better some more bids and lots more watchers - nothing ending for a few days yet though.
    will promise to list today at least 10 maybe more!
    well how are we all doing out there?
    im still really positive about the debt thing - not sure OH really gets it yet - but im ok doing this my way for now. im sure he thinks im a little deranged but should be used to it by now. bonus is - im not depressed [cos i was for a long time and on tabs], im not putting on weight [still need to lose 2 st to be happy], im earning a little money [ok not what im used to - but have to be realistic and thank my lucky stars its something] and also the kids are being good about it and not continually demanding 'stuff' except for child #3 who doesnt understand!

    oh confession time - on saturday i bought a can of spray tan... ok didnt cost much but ...

    well im off to do somemore work and hope to send off my invoice later.
    bye for now!
    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
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    mrscmr wrote: »
    ebay really doing well and have generated over 900 pounds now in 4.5 weeeks. So you make £900 your OH loses £800 in the casino, so for all that hard work you have made £100. I wouldn't just be raving at him, I would be tearing him a new a s s hole, quite frankly. If he thinks that this is ok, then he hasn't had his lightbulb moment, and all your good work will be for nought.
    Sorry but gambling is not a way out of this. And you have to make him see that this is the case.
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hi chev
    yes you are completely right and i did and i continually do keep on at him.
    im just sharing this with everyone - there is no point not writing the truth of what goes on here. i know exactly what my challenges are... all i can do is face them and deal with them.
    just becos we have big income it doesnt me there arnt problems. believe me .. there are big problems - im trying to share them on here.
    thanks again
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    mrscmr wrote: »
    hi and morning!
    bit of a gloomy day, a wet start and freeezzzing cold too.
    well sorted out a domestic issue this morning already so thats progress.
    last night managed to deal with 2 tasks so now 3 remaining! but these are biggies!
    ebay is looking better some more bids and lots more watchers - nothing ending for a few days yet though.
    will promise to list today at least 10 maybe more!
    well how are we all doing out there?
    im still really positive about the debt thing - not sure OH really gets it yet - but im ok doing this my way for now. im sure he thinks im a little deranged but should be used to it by now. bonus is - im not depressed [cos i was for a long time and on tabs], im not putting on weight [still need to lose 2 st to be happy], im earning a little money [ok not what im used to - but have to be realistic and thank my lucky stars its something] and also the kids are being good about it and not continually demanding 'stuff' except for child #3 who doesnt understand!

    oh confession time - on saturday i bought a can of spray tan... ok didnt cost much but ...

    well im off to do somemore work and hope to send off my invoice later.
    bye for now!
    mrscmr

    Mornign mrscmr,

    Hope you're doing ok. Keep your chin up :D

    I think you deserve the can of spray tan for you all your efforts of late ;)

    I weighed myself this morning and am the heaviest that I have been in a long time :eek: I'm worried the working from home isn't helping, i'm used to walking of over an hour a day just in my journey to work i.e to train station, round tube stations etc. Must get backside into gear, feel free to join me if you want to work at that last two stone.

    Hope you have a lovely day depsite the horrible dark, cold weather that has joined us today :rolleyes:

    K, x
  • Morning all, now i can relate to weigh talk :P ive just kick started the atkins may i add day 4 and feeling fab ! having lost 4 pounds so far and oh lost 8 pound we are well and truly on a high something that we canbe a lot happier about a lot quicker than been debt free :D so i recommend it :D its a little high for them lows :D ..... i have a wedding dress fitting in may so im trying to shift teh extra stone i gained and some :D so this is the way for me :D hehe hope you have a good day im doing a night shift tonight yipeee :D anyone for decaf coffee /? xx
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    chevalier wrote: »
    Sorry but gambling is not a way out of this. And you have to make him see that this is the case.
    chev
    Mrs C I know you know this anyway - your OH just hasn't had his LBM yet. Hopefully he will and in the meantime you need to keep plodding on and going for it....:A

    Hope you have a good day and get those invoices 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
    yeah u would be proud of me - SH!
    i have done all outstanding paid work tasks!
    all sent of - just need to do invoice plus dear nice boss has rung to give me more nice cosy work from home! yay for him too!!!

    ebay listings - havent done any

    i have a headache though ... must be cos my brain is buzzing with work!!!
    its still raining and im about to do the school run.

    so then what advice can you all give about the ironing... shall i ring valued ironing lady and subcontract to her ... or bite bullet and do it and save money - i estimate about 70 pounds worth of ironing sitting here!
    mrs cmr - she who did her work!!!
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    mrscmr wrote: »
    yeah u would be proud of me - SH!
    so then what advice can you all give about the ironing... shall i ring valued ironing lady and subcontract to her ... or bite bullet and do it and save money - i estimate about 70 pounds worth of ironing sitting here!
    mrs cmr - she who did her work!!!

    Maybe you could make a start on it and get it down to £35 worth of ironing and then call her in!?!....bit of a comprimise??
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