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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
    I think definitely get the grandparents to help out MrsC - I have to ask all sorts of people to help me. Our afterschool club coordinator gave my DD a lift yesterday....
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    This forum definately helps me out, when I am totally fed up I come on here and get my inspiration to be debt free back as it can go very easily sometimes :rolleyes:

    I do hope you are on your way up :)
    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
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Hey mrs cmr how are you ? 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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    mad as a badger! as in crazy... driven... not mad as in cross!

    hoping to turn a corner and then come jan 2010 im on the case big time to work my little socks off.

    happy weekend all. its feeling bit christmassy do u all think?
    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
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    mrscmr wrote: »
    mad as a badger!

    A normal dfw, then! :rotfl: Jolly good!

    I'm in recovery from accounts overload - can't feel the Christmas-to-come yet, it will hopefully strike this weekend.:xmassmile
    2023: the year I get to buy a car
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I am looking forward to xmas but mainly for time off! I am shattered
    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
    afternoon all!

    hope you all feeling good today!

    managed to pay 3k off my debt some how... not sure how really but all good all the same!

    ebay going well, trying to do some work too... cant believe how fast the time is passing... nearly the end of nov! yikes which means christmas is just round the corner!

    i cant wait to see the back of 2009 to be honest.. have great hopes for 2010. what sort of plans do other have for 2010?

    have a great sunday... roast lamb for us today!

    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
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Hi love 2010 plans involves some serious debt busting hehe I'm excited to start it woo. Just working at the moment x 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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi MrsC - right now I'm just trying to get to xmas... and some time off! I do want to try and clear as much debt as reasonably possible while living a reasonable quality of life
    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
    wow ladies just looked at your signatures... you really working hard to reduce ur debt! nice one! keep going!
    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
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