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Diary of a Poor Person aged 46 1/2
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WOS - when u did the dmp do they make u sell ur car?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 #2230 -
got my 2nd avon order and apparently there are 2 more on their way!
yay for me!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 #2230 -
got my 2nd avon order and apparently there are 2 more on their way!
yay for me!
Oh well done - you're on your way. :T:j You've got me thinking about possibilities of Avon. Used to do eons ago for a while.
Glad you seem brighter and more determined today.
AUGUST GROCERY CHALLENGE £115.93/ £250
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Hi mrs
No, you can keep the car(s). We had one on finance, which is classed as a secured loan and this is treated as a priority debt in with mortgage payments etc.
WoSLBM 5 March 09Starting DMP with CCCS 1st June 09DMP No 286:j0 -
thanks wos.. yes i am trying to be positive! we are gonna advertise 1 car which will get rid of it and a montly payment of 499.00 so well worth doing.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 #2230 -
I know you're struggling, and I know all about the guilt and the sadness, I've walked that walk.
Nothing lasts forever, it will pass.
Much hugs and all the support I have goes out to you.
x
bb0 -
thanks BB! just been speaking OH... he says we will get through this and we will sort it.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 #2230 -
Thats right, onwards and upwards !!!
I hunted for ages for an Avon lady, finally saw a catalogue on someones doorstop at the bottom of the village, picked it up and texted the woman asking her to add me to the list.Sealed pot challenge 822
Jan - £176.66 :j0 -
Glad Avon has started to trickle in.
Some paid work is good too....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 29/7/250 -
Glad to see you are more upbeat today
I am sure that if you do go down the DMP route, in time you will be able to relax and accept it. I have sometimes thought about it in my darkest moments when I get tired of this whole mess. I am glad your OH is facing it with you and you will get through it.
You should be proud of yourself for coming this far, many others would have given up. You also have the Cyprus property and if it does sell then you might be able to resolve this quicker than you thought.
Good luck xx1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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