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Diary of a Poor Person aged 46 1/2

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  • Purpleroses
    Purpleroses Posts: 4,125 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    woo good going! :T
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Good news - well done you :j
    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
    mornng all.

    well i am completely ugly this morning which is a result of no sleep. i am tireder than the most tired person in thew world but spent the night awake. needless to say i could sleep for england this morning plus we are in a right pickle with missing school uniform which seems to have disappeared over night?!? how?

    its blooming hard work doing it all on ur own i tell u :-( dont seem to have any energy at all.

    hope things improve during the day.
    plus now its raining ... is this the start of the return of the snow later? hope not.

    need a holiday - wont be getting one any time soon.
    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
  • DeeDeeinDooDoo
    DeeDeeinDooDoo Posts: 165 Forumite
    Hellooo,

    Know what you mean about the holiday. Just a little, iddle week in the canaries would do the trick...

    Congrats on the 'power' seller status! Do we have to salute now?
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    you have to bow!

    yes, just a teeny little holiday... maybe to a 5 star resort... yeesh would be nice... uh-oh.. just realised - fundamental mistake............ i POOR!
    back to the drawing board :-(
    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
    hi mrsc - if you read back over your diary for the last week I think it would be easy to spot the reason why you are tired. Be kinder to yourself, rest more, sleep more, spend time with friends and something other than chasing round after kids.

    well done on the power seller status ! Glad the website went live ok
    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
    check my signature... the cc/loan line is now under 150k... sooo fingers crossed if we can just hold steady... and keep our current position.. we might.. just might be well back on track. if i hadnt added and extra 30 k to the debt this year we would be looking good! shame.. we live and learn!
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Brilliant brilliant news - I hope you gave yourself a pat on the back and stop being so hard on yourselves!

    In two years I added about £20k to our debt and am so regretful but being here means we're trying.

    So be nice to yourself, stop putting yourself down, stop rushing around and sit down with a cup of tea

    xx
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    At least you have woken up to your debt level now mrs c and are doing something about it
    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
    actually make that its under 149k.... woooooo!
    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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