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Diary of a Poor Person aged 46 1/2

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  • Don't moths have a short life span?!
    ** 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
    Im a special long-life moth.
    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
  • Good job too!

    PS - your PMs are chocca blocca!!!!!!!!!
    ** 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
    my pm's have been 'tidied up' .... all clear...
    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
  • fc123
    fc123 Posts: 6,573 Forumite
    Sorry..PITA; Pain in the A$5 :D
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi mrsc I know all about brain freeze at the mo - hope you recover soon LOL
    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
  • Brain freeze is typical in this weather, you'll thaw soon :D
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    more snow here... took 1 hr to do school run. roads not gritted... gggggrrrrrrr

    but im doing my work...!

    have a good day all 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
    oh well... end of another day.. im settling down to a night of work........ god i cant be bothered... but nothing on tv and i have to get this finished and stop procrastinating..........................

    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
  • fc123
    fc123 Posts: 6,573 Forumite
    mrscmr wrote: »
    more snow here... took 1 hr to do school run. roads not gritted... gggggrrrrrrr

    but im doing my work...!

    have a good day all x

    :T It will feel fab when the cheque arrives.

    The snow is now a PITA too as DD off today but I am going to try and drive her in tomo. She sat a mock GCSE in her bedroom today too.

    Your Ebay comment was insightful. One of my annoying sayings is out of bad things can come good things and just from things in my own life, it is often true.

    You love doing Ebay and it could 'easily' become your new job or a large part of your income. It may not have happened had circumstances been different....like Cyprus selling straight away.
    I feel lucky to have a job I love 90% of the time, to be self employed and earn a living.


    which reminds me....Any news on Cyprus selling?
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