We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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
Comments
-
this morning is damp.
lots to do!
thanks all for popping in.
god i hate the tv for advertising kids toys at this time of year. every other second i hear "i really want that" and i think ... you sooo not getting it!
mood: positive and pushing ahead!
happy friday allHighest 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 -
Glad to see you are still so upbeat, makes things so much more bearable!
Agree re adverts for kids toys! Have decided what we are getting Master this year and everyone chipping in so we can try and keep it cheap. He has so much he doesn't "need" anything else but "wants" everything in the Argos catalogue!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
0 -
My kids requests are generally quite reasonable - I do encourage my DD to watch cbeebies to try and reduce the adverts!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 -
Hope you had a good weekend and start the week all upbeat
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
0 -
Hi all I've been away under sad circumstances and I've had a big wake up call lifes too bloody short so I'm not beating myself up about debt I'm getting through it and that's that. Hope everyones ok x xI 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 = £41157.680
-
evening peeps... sorry not been about. been bit mad.. still is on going.
@happytoget.. i am sorry you are feeling sad... hope all ok?
all other lurkers, regulars etc... well i cant believe it is nearly 1/2 term already! where has the time gone. today we had a little bit of early frost. all in all we are ok! just hanging on in there - watching each day and seeing how we are progressing. working the hardest we have ever worked and the days just fly by. went to town on saturday - amazing as the shops were full, carparks full and people everywhere... is the credit crunch over? did i miss something? who are all these people with money? lucky them! i just squeal by with the bare minimal amount of spending possible!
have a good week all... i will try to pop in ... :-)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 -
Evening, Tuesday night we ha a phonecall from Spain where oh mum lives she had been rushed to hospital with a problem and then we were told less than 24 hours to live so we ha to get out there asap she passed 4 hours after we arrived so it's been not so great xI 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 = £41157.680
-
Sorry to hear that news Happytogetfree
Take care.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
sorry htgf - about your mum. Hope you got to see her to say goodbye.
MrsC - glad that you are squeaking thro still. It is hard work isn't it but presumably things will ease up when the Cyprus sale eventually comes throAchieve 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 -
evening peeps... sorry not been about. been bit mad.. still is on going.
@happytoget.. i am sorry you are feeling sad... hope all ok?
all other lurkers, regulars etc... well i cant believe it is nearly 1/2 term already! where has the time gone. today we had a little bit of early frost. all in all we are ok! just hanging on in there - watching each day and seeing how we are progressing. working the hardest we have ever worked and the days just fly by. went to town on saturday - amazing as the shops were full, carparks full and people everywhere... is the credit crunch over? did i miss something? who are all these people with money? lucky them! i just squeal by with the bare minimal amount of spending possible!
have a good week all... i will try to pop in ... :-)
Hi, I know what you mean about everyone spending! I have a feeling there will be a few financial hangovers in January though.
Good to see you are hanging in on in there and getting on with stuff. I'm having a bad month as the car has needed loads of repairs, it was kind of touch and go as to if we just junked it and got another shed. Decided to get it fixed, new front suspension, two new tyres and new front brakes, ouch, ouch, ouch. Still at least we know what is ok on it now and won't need doing. Life would be so good if there were no bills. LOL! All the best .
bb0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

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