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Diary of a Poor Person aged 46 1/2

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  • SkintGypsy
    SkintGypsy Posts: 580 Forumite
    Debt-free and Proud!
    So pleased to see you on the up at the end of this awful year.

    Happy New Year Mrs!

    Gypsy xx
    Debt free as of July 2010 :j
    £147,174.00/£175,000
    Eating an elephant, one bite at a time
    £147,000 in 100 months!
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    you too, gypsy 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
    Happy new year! Glad some of the pressure is off
    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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Have a great 2010 MrsCMR. We must progress our plans in the New Year.

    I'll be do some travelling I think so would be good to have something to do at the airports and in hotels.

    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 :A
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    happy 2010 kissjenn and SH... may we all have good fortunes in the new year!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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    well happy 2010 everyone!

    how was your N Y Eve? ours was a quiet one! no fancy night out for us... save that cash for paying off debt!

    so im very excited about the year ahead.. just want to get started and on to new projects and ways of gettting us back on our feet again!

    wishing you all well ... 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
  • Purpleroses
    Purpleroses Posts: 4,125 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Happy New Year to you too mrscmr!
    I had a quiet one too, just went for an early dinner with family.

    Love your determination! best of luck! hope its a great year for you x
  • beanielou
    beanielou Posts: 95,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Heres to 2010 :)
    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.
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    thanks beanielou and purple! lets hope through sheer hard work we all succeed!
    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
  • boredofbeingathome
    boredofbeingathome Posts: 15,657 Forumite
    Happy New Year Mrs M. x
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
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