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Diary of a Poor Person aged 46 1/2

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Comments

  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well done on sending off those ebay parcels - that alone takes lots of motivation! Have a good night
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    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
    gosh just watching clare from steps on her fit / fat diet camp thing... wow - i need some motivation to lose 2 stone... but how???? anyone?

    i wonder if anyone out there can tell me something??? i think that apart from my good and true popper-iners [thats people who pop in an post on my diary] that actually im on my own. are there others out there who read my grim goings on? i really wish we didn t owe so much really gets me down but i only have myself to blame!
    i remember we paid for a merc once in the good old days cash from our bank account for 46k... ha ha what were we on? we dont even have 46p now shows what can happen in 10 years eh? but check back in another 10 years and we will NOT be in this position.
    night all sweet dreams!
    big ebay listing tomorrow!
    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
  • brummiebabe
    brummiebabe Posts: 1,894 Forumite
    You're not on your own! There are loads of people that read the diaries (me included) but maybe feel they have nothing useful to add. I'll now head back to lurking........;)

    I think you're doing well....:T
    20p Saver Club #33 60p/£100
    Christmas Saving £0/£1300

    Saving Target 2014 £25/£1000
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hang on a minute... im not alone... thanks brummiebabe!!

    thanks for popping in! ur encouragement is just what is needed.
    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
  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
    In diary land, I KNOW we are not alone.

    Our diaries are read by loads of people. Not everyone posts. Though I know they are out there. If reading our life stories help them in some way, then that is really something.
    ** Proud to be dealing with my debts **
    LBM - Jan 2009 _pale_ : £24,802.21 :eek:
    February 2010 :silenced: : £18,078.47 (not including OD)
    July 2010 :( = £16,819.34 (not including OD)
    January 2012 :mad: = £14,338.75 (not including OD)
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    mrs gg .. u r so right
    im just feeling fat old and glum tonight
    need to have my diet light bulb moment and soonn...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
  • Evening peeps ahh mrs cmr hignsight (or however it is spelt) is a wonderful thing shoulda woulda coulda why the hell shouldnt we have the things we want ... i phoned my mum today she said i need to smile more bless her cottons shes old school :P she said why worry about debt your paying it you can eat and you arent trying to save your house from been repossessed i thought hmmm maybe she is right, the road is long but the end is in sight.. mrs cmr :P try not to get down your amount feels like my amount to me i get down i get fed up i get peed off and this where is this debt how did i manage to get it but i enjoyed spending it feeling like i had the cash and in 2011 when im debt free bar my homeowner loan il appreciate saving and buying with the cash ... cash is king when it belongs to you ... i often shed a few tears but we are in the right place and we will help each other get there and we just have to keep at it sometimes im happy sometimes i feel really low but i know i have the love of a good man and thats all that matters not how much money sits in your bank :D chin up people :D xxx
    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
  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
    mrscmr wrote: »
    mrs gg .. u r so right
    im just feeling fat old and glum tonight
    need to have my diet light bulb moment and soonn...x

    We all go through them moments. You are not alone.

    As I have said before, other people may SEEM like they have the perfect lives. In one way or another they'd probably like to change something, be it : their looks, their wife/husband/kids!, their financial situation, their job, their in-laws, their siblings, their salary, their figure, their friends, their house....... there is always something someone would like to change. What goes on behind closed doors is indeed a mystery, but never EVER think for one moment, that you are the only person who feels blue now and again.

    For one thing, your life could be a whole lot worse.

    Consider yourself gently booted up the butt, and booted into a better place. A place full of wine and shiny happy fuzzy feelings.

    Consider yourself healed! At least for tonight. Go and wallow in trash TV and let it whisk you off into another place full of distraction. You deserve a breather!
    ** Proud to be dealing with my debts **
    LBM - Jan 2009 _pale_ : £24,802.21 :eek:
    February 2010 :silenced: : £18,078.47 (not including OD)
    July 2010 :( = £16,819.34 (not including OD)
    January 2012 :mad: = £14,338.75 (not including OD)
  • well said mrs gg il second that im offskies :D xx
    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
    oh u guys are the best, the greatest...
    thank you for caring it means alot!!!

    nightie nightie!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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