📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Diary of a Poor Person aged 46 1/2

Options
1151152154156157380

Comments

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi mrsc just checking in to see you are okay. Good luck with the ironing... I really should do it 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 29/7/25
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    peeps im just fine!

    so busy with everything ... ebay completely out of control, work busy busy too - OH told me a sad tale today about how his ex dirs are actually fighting amongst themselves and its not pretty. lawyers involved - actually dirs are stitching each other up. he is better off out of it. he is also making amends with people he had fallen out with which is good to ease everyones souls! just to make peace is good sometimes!

    right back to ebay... :-(x
    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 news ebay is out of control, think of all that money coming in! It's a great feeling when you move it from the paypal account to your bank account :) Have one last thing listed now that hasn't met reserve price but I think OH would welcome a break from the Post Office trips!

    Good for a bit of peace in relations, makes you feel better about things I find.
    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
    glad you are okay and still fighting the good fight!
    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
    ok im like a mad person... so much to do!

    ebay is crazy and now avon has arrived to be sorted and delivered! trying to fit in some proper work too!

    yikes!

    financial things might just squeek through this month... its a daily challenge to see whats going on... a fine balancing act.

    have a good day 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
  • Hi glad you seem to be coming out on top im so proud :D, my poor mum has swine flu i cant believe it so now i cant see her due to my nature of work incase i get it and spread it so i have to ring her ive been so worried but she seems ok phew x advice whoch is best credit scopre guide to buy i want to look at my report like ?
    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
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    mrscmr wrote: »
    well doing everything i can... have talked to cccs may do so again. can i ask... what does it do to your credit rating? or do i actually care? will i ever want credit again? nooo

    good day all!x

    I am sure this has been tackled, but yes it will trash your credit rating on a dmp, cos effectively you are defaulting on the contract you agreed to when you took out the credit

    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi mrsc - so manic as ever - would you really have it anyotherway?

    HTGDF - you can get a free credit report via a cashback site like quidco - providing you cancel during your free trial period. Most cashback sites offer cashback for credit reports....
    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
  • Phew!! just had 17 pages to read to catch up
    So sorry you've had a tought time but you seem to be back on the up again - avon sales are excellent

    go girl!:T
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    bluebag wrote: »
    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
    It used to be that you could get a lot of things for coeliacs free on prescription, is that not the c ase anymore? And i sympathise ref checking labels. my DS had a milk allergy and though I got better with practice, I reckon is added 30 mins to my shopping time every week. On the other hand we did eat better as I cooked so much from scratch...
    I want a job that is less than an hour driving away from my house! Are you listening universe?
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.1K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.