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Diary of a Poor Person aged 46 1/2

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  • Wotcha Housewife Extroadinaire.

    My only tip for the head cold is Day and Night Nurse. Works a treat. I declare that you will be cured of all ills within 24hrs this way.

    Go forth and consume the tablets.... then hit the hay and snooze til ye feel lots better.
    ** Proud to be dealing with my debts **
    LBM - Jan 2009 _pale_ : £24,802.21 :eek:
    February 2010 :silenced: : £18,078.47 (not including OD)
    July 2010 :( = £16,819.34 (not including OD)
    January 2012 :mad: = £14,338.75 (not including OD)
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    thanks all...
    esp nurse GG!

    im on benylin cold and flu!
    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: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel much better soon!
    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
    thanks sh
    just popped out of bed to see my ebay items finsihing
    now im popping back to bed!
    feeling v sorry for myself
    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: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Bless - hope the ebay finishing prices were worth it!!
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Have a restful get well sleep. Take care x
  • Mrs cmr, your story gives me hope because i was naieve to belive that because you have money it reduced the risk of debt reading yours has shown me that its the same for everyone.. when times get hard for you i asume its a big change for you having alot of money then having to watch it remember what you are doing now as my partner says rome wasnt built in a day one small job at a time gets us closer to where we want to be :D chin up sending big hugs and faith your way :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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Hope you are feeling better today x
  • ive had a golden handshake from the bank they are returning 1100 to us for misold ppi i am so pleased woo woo woo :D xxxx
    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
    afternoon all
    well the cold has really arrived. i cant hear as ears are blocked and i have a red nose.
    great news about ppi - well done!
    thanks everyone for thinking of me.
    i will update my diary when im feeling a bit better and pop into yours too.
    thanks
    sniff sniff
    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
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