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Diary of a Poor Person aged 46 1/2

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  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That sounds great! I'm glad you had a good time, and a happy birthday for yesterday
    xx

    My weekend - tiring but good, spent the day with my sister, shifting books so she can have a room decorated - feels good to get something done!
    2023: the year I get to buy a car
  • dawnybabes
    dawnybabes Posts: 3,351 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I spent nearly 3 hours in sainsburys doing a "normal" shop, DS, 7 got diagonosed as coeliac this week so had to pick everything up and check the ingredients !!!
    Sealed pot challenge 822

    Jan - £176.66 :j
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good news on the £2K shares transfer - that helps fill some of this months gap at least!
    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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Good luck tomoz with CCCS.

    And great news on the shares. Mine are still way down.

    Looking forward to tomorrow evening. Catch up with you during the day. I'm having the 4th attempt at the passport forms tomorrow. If they fail again I'll go mad.
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Belated happy birthday!

    Good news on the shares, hope that gives you the breathing space you need this month. Ebay's amazing once you get going on it, it is just the sheer effort to start doing it!
    1st 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
  • bluebag
    bluebag Posts: 2,450 Forumite
    1,000 Posts Combo Breaker
    Great news on the shares mrscmr, so pleased you had a lovely birthday. Congratulations on being 18 with 29 years experience. LOL.
    Fab that your family did nice things for you, good feeling that isn't it? Enjoy.
    bb.
  • bluebag
    bluebag Posts: 2,450 Forumite
    1,000 Posts Combo Breaker
    dawnybabes wrote: »
    I spent nearly 3 hours in sainsburys doing a "normal" shop, DS, 7 got diagonosed as coeliac this week so had to pick everything up and check the ingredients !!!

    Sorry to hear that, a good friend of mine had it quite badly and has to have separate toasters and butter in her house so the crumbs don't cross contaminate. I think it's a bit easier these days as a lot more gluten free products are available.
    It will get easier as you get more familiar with what you can and can't give him, at just 7 it's harsh though isn't it? Poor wee thing.
    All the best.
    bb
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    cccs say iva as it would take 25 yrs to pay on a dmp

    dont know what to do.. anyone got any views?
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    I don't know much about DMP's but would they change as your financial circumstances do? You know that you should get something from the property abroad so would that reduce the DMP over time, or will they just not recommend one for such a long period?

    I found this http://www.debtfreedirect.co.uk/faq/iva/ not sure if it's of any use in helping you make a decision, presumably CCCS would put you in touch with a reputable firm to assist you or can they do it for you?

    x
    1st 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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    thank you inmydreams! will look at this in a bit.
    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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