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Diary of a Poor Person aged 46 1/2

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  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Nothing like a touch of schadenfreude to keep you warm on a cold evening :D
    :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
    a touch of WHAT? .......... im soooooo last season :-(
    u ok kissjenn??? what u been up to?
    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
    MrsCMR - just cos something looks perfect on the outside, really does mean diddly squat because lots of people have lots of less than perfect lives, its that most of us are darn good at covering up and portraying "ye good life".
    ** 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
    wise words, mrs gg, thats very true... after alll isnt that what we protray?

    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    ok will get paid today. feeling sick and anxious. 2 of the children need shoes so will have to do that as their poor feet cannot be squeezed into shoes any longer.

    mood: low :-(
    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
    mrscmr wrote: »
    ok will get paid today. feeling sick and anxious. 2 of the children need shoes so will have to do that as their poor feet cannot be squeezed into shoes any longer.

    mood: low :-(
    Hi MrsC sorry you are feeling sick and anxious. My Tesco were selling school shoes for £4 the other day reduced from £10 - perhaps it is a matter of adjusting shopping places - it needn't be so scary...

    I bought some like that as a spare pair for my DD last year and they lasted really well.

    Hugs
    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
    oh blimey... feel really down in dumps... have so much to do and no motivation.
    having to try to really motivate self, yesterday tidied my office and it looks great, today im on to a different room which looks like it has exploded inwardly :-(

    by 3pm i need to have made a difference

    hope anyone reading this is having a good day!
    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
    just updated totals... now under £147K on the cc'd and loans....
    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
    blimey in dec 09 it was just over 150k ... good going eh?
    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!
    thats really good going!! well done :T
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