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Diary of a Poor Person aged 46 1/2
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having a funny old day... feeling a little wibbly wobbly - anxious and odd.
hoping this will pass.
child #2 is off for the first time away from home on saturday... i will miss him soo much :-(
tomorrow is the end of the first week of the new venture! we have come so far in the last 7 days!
xHighest 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 #2230 -
feeling seriously stressed and overwhelmed with all the tasks that need to be done this week............ home, family, work, financial..............
aaaaaaaaaagggggggggggggrrrrrrrrrrr
feels like i have been set into cement.... hoping it improves in the morning.
shall i stay up all night in some attempt to try to catch up?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 #2230 -
Hi mrs c - be kind to yourself - I wouldn't stay up all night - unless not doing so is going to wreck your business before you've even started.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 29/7/250 -
SH... you are like the little person that sits on my shoulder... the voice of reason ... yes you are right.
i really need to raise my game and take a leap of faith regarding some ebay stuff. might be a risk... dunno... will think about it for 24 hrs.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 #2230 -
Hello Mrs!
Seems we are all having a tough time of it at the moment. I am going to have bucket loads of fees from the bank for going over my OD for the second month in a row and I cant see any way of reducing it. I have too much debt and not enough income. I feel utter naff *replace naff with rude word*.** 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)0 -
Why don't you have the evening off and just relax and watch a DVD or something on TV and forget about Ebay until tomorrow. Just do what feels comfortable, I've stopped doing 99p auctions on stuff I want more money for as I NEED to make money and stop giving stuff away, my debts come before giving anyone else a bargain.
I'm going to my parents on 15th until 21st (my birthday is 20th) and to be honest I will miss Ebay but I am SOOOO looking forward to having a rest, having my parents to help with the kids and having my meals cooked for me, I do miss my mum's cooking. I wish I could move nearer to them, have been thinking about it a lot recently as they are in their late 60s/early 70s and if anything happened to one of them I'm not nearby, plus they would help with the kids, they would love to see the kids more often, definitely something for me to think about.
They live in Poole, not far from the seaside and I'd love to move down that way, I love Weymouth and would ideally like to live there or roundabout. Don't have any money at the moment though but have seen a few 3 bed houses for £200k, we only have a 2 bed and paid £230 for this 4.5 years ago.Sealed Pot Challenge #0160 -
thanks mrs GG! ... yes a grim ol' time... we have the same thing.. too many debts.
TMD - i miss my parents too... they are about 2 hrs drive away and in their early 70's. in perfect health but i worry about them, they always help us out soo much in many ways.
have listed tonight and have some new bids which is refreshing!!!
xHighest 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 #2230 -
Grim is v polite. I want to swear. A lot.
I am formulating a plan and will have a look at my situation with fresh eyes once I have the full facts and lack of figures to hand.
Literally, I am drowning in my OD and its getting worse. Man, I need a miracle.** 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)0 -
if you have an spare miracles... send them to me!xHighest 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 #2230 -
My parents are 2 hours away too, it's quite scary really thinking about their ages, I don't know what I would do without my parents they have done a lot for me and still do, my mum sometimes says she doesn't sleep at night because she worries about me especially when I am sounding down and I try not to tell them about my problems but sometimes stuff will come out when I'm on the phone as I'm quite emotional, my mum would probably die of stress if she knew how much debt I was in.
Well done on the new listings, I have just done 2 private ones, I sorted out my office and have a huge box full plus 3 other boxes with stuff in, some are clothes which need to be ironed and I haven't got round to trying to iron yet.Sealed Pot Challenge #0160
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