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Diary of a Poor Person aged 46 1/2

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  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Glad to see you're still going strong and feeling so much more positive!
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi MrsC - glad you are having a good 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
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Hi mrs c, sounds like you are coming along well :D im so pleased for you, glad the avon has kicked off a treat :D 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
  • Purpleroses
    Purpleroses Posts: 4,125 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    hello mrs et al!

    So glad to hear Avon is going well. :T
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    busy day
    sent faxes to cyprus for house, done some phone calls re: paid work, ebay listings, relistings, parcels for post office later! done washing/tidy up...spoken to avon, gone through my spreadsheets!

    soo much more to do though! must crack on!

    how everyone?
    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
    Good to see the motivation is still there, somedays mine just up and leaves.........
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi mrsc - you always seem to get so much done - well done you! You really are motivational - keep at 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
  • bluebag
    bluebag Posts: 2,450 Forumite
    1,000 Posts Combo Breaker
    Great stuff mrscmr, glad you've got your 'tough get going' head on. Just take care to 'take care' of yourself if you know what I mean. Debt busting can be so consuming and although it's energetic and positive, it does pay to remember to be good to yourself. Small breaks and treats are easy to organise and help keep the stamina up. A bubbly bath with a candle or two and a bar of chocolate is hardly going to break the bank, but can feel good after a hard day.
    Every one needs a little TLC now again, make sure you get yours.
    Hugs to all.
    bb.
  • bluebag
    bluebag Posts: 2,450 Forumite
    1,000 Posts Combo Breaker
    In_my_dreams wrote: »
    Good to see the motivation is still there, somedays mine just up and leaves.........

    Yes, I too have those days, when your 'get up and go' has got up and gone.
    I can be very flexible these days though, it's all the hours I spend kicking myself up the behind.:D
    bb
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    its official ... i have a cold. feeling very :-(
    been doing money calcs ... it will be tight again this month but bonus is OH brings in a little more this month as there are more working days in the month.

    happy weekend all...
    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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