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Diary of a Poor Person aged 46 1/2

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  • mrs cmr keep chin up love xxx thoughts with u 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
  • bluebag
    bluebag Posts: 2,450 Forumite
    1,000 Posts Combo Breaker
    Never look back, you only ever see the 4rse end of things! :rotfl:
  • Bluebag, you seem very wise. I liked your first post muchly.

    As for you Mrs, haven't posted in a while but have been reading everyday. If i'm honest, logging on to post is just that bit too much effort most days! I see you are overcoming still more hurdles daily/weekly, but you are still here! Do you wonder how you would have dealt with all this stuff before MSE?

    Anywho, I have no words of wisdom or merit, just my quiet support and admiration for how you keep on keeping on. So keep on.....:T
    Debt free as of July 2010 :j
    £147,174.00/£175,000
    Eating an elephant, one bite at a time
    £147,000 in 100 months!
  • bluebag
    bluebag Posts: 2,450 Forumite
    1,000 Posts Combo Breaker
    SkintGypsy wrote: »
    Bluebag, you seem very wise. I liked your first post muchly.

    As for you Mrs, haven't posted in a while but have been reading everyday. If i'm honest, logging on to post is just that bit too much effort most days! I see you are overcoming still more hurdles daily/weekly, but you are still here! Do you wonder how you would have dealt with all this stuff before MSE?

    Anywho, I have no words of wisdom or merit, just my quiet support and admiration for how you keep on keeping on. So keep on.....:T

    No, SkintGypsy, I am not wise just been around the school of hard knocks for a few spins,LOL. We all make mistakes we have to pay for, but by golly we don't have to beat ourselves up for trying to make things right. Enjoy today is my motto while trying to do the best I can. Tommorow I'll face when tommorow comes. Yesterday is gone and I and all the angels can't change it. So here's a virtual toast to us all. Cheers.x
    bb
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi MrsC hope you are having a better 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
  • Chin up keep doing what your doing dont be so hard on yourself!.x
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    laaadies ... u so wonderful!
    cheer me up! XXX to u all.

    some very wise and good people on here... in fact i would be at the bottom of the ocean if it not for this forum! has kept me sane!

    well another week lies ahead... could really do with some good news for a change.
    found out that we have a credit stop on borrowing any more from anywhere for 12 months - sad sad sad.

    we actually wont have enough for the bills i think .. need to do some sums tomorrow.

    i have toothache too so have to find nhs dentist as cannot afford my usual private one :-(

    kids need money for school items like books and trips

    dunno what to do.

    looking forward to avon arriving this week!

    xxx to u all
    night night
    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
  • bluebag
    bluebag Posts: 2,450 Forumite
    1,000 Posts Combo Breaker
    Toothache oomph! The only thing I suggest is keep ringing all the NHS dentists till they are sick of you. It is quite hard to get in but be persistant and tell them you have pain. If it gets too painful, look up a local dental hospital or even the A&E. They usually have a dental surgeon on call that can give you urgent treatment. Hope it feels better soon.
    Sorry to hear about the credit stop, I know exactly how you feel. Take a deep breath and do the sums, it is what it is.
    Wishing you peace.
    bb
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Hope you're well. We're struggling with OU essay and then OH is tackling IT problem again...so frustrating...he's 99% of the way there and one bug left. Works great if only anyone could see it...:mad:

    Still 2 NSDs as everyone's holed up writing stuff including SB and the "it's almost finished" English essay.

    Sorry about the school stuff, must be never ending.
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • Well if you are on credit stop that should at least stop your debt increasing which has to be good. It does mean you need to be more disciplined about budgeting - and that it may be worth exploring a dmp again rather than the short term measures you have in place now....

    Sorry if that sounds harsh - I am just trying to be realistic....

    I do hope things improve for you....

    Are you still thinking of selling your Cyprus home? What happened with that?
    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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