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Diary of a Poor Person aged 46 1/2
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Have a good day tomorrow - hope it is really relaxing and you can enjoy your time together as a family. I still need to work out how to get my dad to agree that Dr Who is essential viewing on xmas day! Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/250 -
oh yes dr who... definitely essential... xxHighest 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 -
Merry Xmas Mrs!
Haven't been posting but have been checking in. Here's hoping 2010 is a better year for us all!!!
Have a good one. xxDebt free as of July 2010 :j
£147,174.00/£175,000
Eating an elephant, one bite at a time
£147,000 in 100 months!0 -
Hi MrsCMR,
Congrats on the shopping and £7k off your total. You've been going great guns and 2010 will be your year.
I hope you, OH and the kids have a fab time and I'll speak to you very soon.
Take care,
KJ x:A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0 -
how was everyone's christmas? my small people were struck down by bugs which was sad.. spent alot of time cleaning up and washing!
glad it all over... spent too much but not like the normal obscene amount. want to get to jan 2010 and focus on bringing in as much cash as poss.
happy 2010 everyone xxHighest 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 -
morning all....
well im on the pro plus ... so watch out!
want to join up a good 2010 challenge ... any ideas of some good ones? i really want to focus in 2010 and make a difference to the debt...
thoughts welcome!
xHighest 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 -
can someone tell me ... [sorry im being lazy] how does pay a debt a day work? and how paying off a few pennies a day makes a difference cos some people seem to really make a difference to their debt and i want to do it too...!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 -
Basically the PAD is just that.
I make a payment a day to my current target card~sometimes only £1~ & it really helps to bring it down.
HTH
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 -
thanks beanielou.... do you actually pay the money over to the debt? or do you put it in a place to build up?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 -
something else i will be facing in 2010 is the ironing mountain of europe.
maybe i should make a challenge thread for keeping ironing under control in 2010! would anyone join? we could post status of how many ironing baskets we have to tackle and post a big hurrah when we can say we have completed a whole basket!
??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
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