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Diary of a Poor Person aged 46 1/2

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi mrs c hope you are ok
    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
    hello all...

    well its freezing i have a migraine but im positive!
    have a nice freelance job for this month!
    OH has been paid!
    bills have been paid
    i have hope and i have energy and i have you all supporting me!

    must tell u a bad thing though... last week OH was bit stressed... so went into a casino [yes yes i know] put on 200 pounds blackjack table and 2 hrs later came out with 2000... he confessed all - told me how stressed he was and how sick he felt at the time but it all worked out. needless to say i have had strong words with him but on this ocassion it did work out. but it s NOT the way forward. there u go confession over.

    im off to ebay some more..

    how u all? im still scared about xmas though.. i will work hard on it

    xx
    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
    glad that he ended up with more money but it could so easily have been just a write off

    glad that you are having a better month
    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
    hellloooo oh dear me - my diary is sooo lonely.. i have neglected it lately.. soz diary i didnt mean to!

    well where are we?

    mood: fighting back!

    weather - was a sunny day with showers

    kids - freshly back from hairdressers for them and me! my, we do look smart!

    work - missed a work phone call today and have hit a delay on finishing some work due to silly people holding me up. will chase up missed phone call tomororw.

    did fireworks tonight only a few!

    got to package up my avon for delivery and another batch of ebay!

    just mundane stuff but important just the same. have been re-reading my posts - seems i have come a fair way since march with some backwards steps - i believe I am a different person in many ways since this time last year - i will never go back to the person i was then.

    will update my big totals in the next day or so to see how we are doing over all! fingers crossed for that.

    night all xx
    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
  • bluebag
    bluebag Posts: 2,450 Forumite
    1,000 Posts Combo Breaker
    It's life changing isn't it? I must admit since my dark debt days, I have a very different attitude to life, the universe and everything. In adversity we grow.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you feel things are improving - and that you are growing 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
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That sounds good, cmr - this is a lifechanging journey, isn't it..... I'm certainly a lot more open about money now with the people I'm close to - and they are with me too, for this and other reasons. Sounds like you had a good Bonfire Night, too. I didn't take part in anything myself, but I live on a hill and I kept going right up to the top of the house to look out over the town and see all the different little personal celebrations, it was great.
    2023: the year I get to buy a car
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    afternoon all.. how are we?

    did you have a bonfire night? have you seen the shops all getting christmassy! i am going to have such a controlled xmas it will be untrue. at least kids are being realistic except for child #3!

    ebaying like mad and some paid work is keeping me going. OH working hard too i really hope at the end of this month to really see some difference - must post my figures too as things have been reduced on our debt! yay us!

    xx to all xx
    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
    glad things are still going well! All the best for the week ahead
    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
    mrscmr wrote: »
    afternoon all.. how are we?

    did you have a bonfire night? have you seen the shops all getting christmassy! i am going to have such a controlled xmas it will be untrue. at least kids are being realistic except for child #3!

    ebaying like mad and some paid work is keeping me going. OH working hard too i really hope at the end of this month to really see some difference - must post my figures too as things have been reduced on our debt! yay us!

    xx to all xx

    Christmas is nice, although I do a great deal of my Christmas shopping the year before in the sales. Everyone gets what I can afford, my kids, family and friends would hate me to go into debt to get them something.

    Your little one may have to lower his/her expectations, that is a valuable lesson for life. Expectation doesn't always achieve results.
    Hope your good, all the best.
    bb
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