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Diary of a Poor Person aged 46 1/2

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Comments

  • WorriedofSurrey
    WorriedofSurrey Posts: 110 Forumite
    Hi mrscmr

    Glad to hear things are on the up, well done you!

    Please could you pm me too.

    woS
    LBM 5 March 09
    Starting DMP with CCCS 1st June 09
    DMP No 286:j
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    WOS... i have pm'ed u!
    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: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    mrscmr wrote: »
    ok really pleased with my progress yesterday on ebay shop! even some sales over night! today i am focusing on my personal account to boost that with my old junk!

    happy sunday all. im off on a web marketing course on tuesday which i am really looking forward to. hoping that i can use the new knowledge to earn some money from my proper paid job!

    xx
    It's nice to hear you all happy and motivated - Hope the shop works out well!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • DeeDeeinDooDoo
    DeeDeeinDooDoo Posts: 165 Forumite
    Well lets hope the days of grim shepherd pies will soon be over.

    Since discovering MSE I did jump into the 'how many meals can I make out of this pack of mince if I add loads of lentils and oats' brigade. And sometimes it has actually tasted ok. But roll on the day we can walk past the mince counter:j.

    ps I was thinking about your shop name and it puts me in mind of a posh department store but with a whiff of romance.
  • cheerfulness4
    cheerfulness4 Posts: 3,032 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I was thinking along similar lines. :) Was the department store D & J's?
    Oh the days when I used to love wandering around there with my mum and a full bank account. (obviously pre-marriage and children! :( )

    AUGUST GROCERY CHALLENGE   £115.93/ £250

  • spendtoomuch
    spendtoomuch Posts: 232 Forumite
    hi fab news on shop, please pm me details too.

    x
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    LADIES... i am sooo excited with our new venture!

    and you are all wonderful for asking me about it and being with me along the way! thank you thank you! your encouragement and support really matters!

    spendtoomuch! will im pm'ing u right now!

    xx

    setup a business bank account today.. we are PROPER!
    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
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    great news on the shop :) could you pm me too? x
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hi there slowly fading.. how are you... long time no chat!

    yes i will send u info right now!
    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
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well done - your making progress step by step - just don't over-extend yourself.....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
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