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Diary of a Poor Person aged 46 1/2

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  • hi mrsc - glad child no 2 got off okay. Good luck with the ebay mission.

    GG - nice to see you back - at least we have been paying off our debts despite set backs - rather than adding to them!

    Thanks SH, though from my happy post here earlier today, I am now in the pits. Spend the afternoon working out some debts and I hoped a DFD and it seems, despite my regular payments, that I am in a right mess.
    ** 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)
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks SH, though from my happy post here earlier today, I am now in the pits. Spend the afternoon working out some debts and I hoped a DFD and it seems, despite my regular payments, that I am in a right mess.
    hi GG perhaps you need to restart your diary (if you have already I missed it) with soa
    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
  • Have explained bit more on the current final page of my current and only diary.

    On the bright side, I am alive and kicking!
    ** 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
    morning ladies

    well its sunday! yep... oh im on the ball today... cant get nothing past me!!!

    mrs gg - i agree its hard, we are making our payment too - would love to do over payments but there is no way.

    more ebay sales so all good.

    a busy week again for me!

    hoping my course will be on that was postponed last week.

    happy sunday 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
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad things are going 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
  • Hope the week ahead is a great one for you.
    ** 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)
  • Button21
    Button21 Posts: 123 Forumite
    Hi mrscmr,

    OMG.....you are one gutsy lady!! I have been reading your diary and I am in awe of you! I would have crumbled at the first hurdle! It's a credit to you how you have held everything together and still have a sense of humour! WOW!! Congratulations on everything you have achieved! Have you ever considered writing a novel on your experiences?? I would buy it as I have been hooked reading your diary over the past few days!

    Can you pm me your ebay shop? I am just getting into ebay, topcash etc....it's amazing how much you can save compared with shop prices!!

    Lots of love and best wishes,

    Button xxx
    Live your life in such a way that when your feet hit the floor in the morning, Satan shudders & says...

    "Oh sh*t.......she's awake!! "
  • Hi MrsC

    I remember when my boy went off on school ski trip I managed to book a nice short break to Amsterdam which did help to distract me. Made the mistake of texting him three days into trip; 'How are things?' Reply 'Rubbish' 'am in trouble with teachers, in wrong room with wrong people, not enough money! Then he went quiet for the rest of the week. was having too good a time. He came back, popular, funny, confident hanging out with third year girls, he had such a blast.

    I think these trips are so good for them, they have such a huge developmental leap, we just need to be strong and let them go, though it is hard.
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    evening ladies and gents [dont know if there are any gents who read this?]

    wow what a busy weekend and day today! had a buying trip, quickly listed new stuff, have nec spring fair on weds... had sales every day and they are increasing at great speed!

    anxiety over child #2 is up and down. the school are posting news on their twitter page. not sure if it helps or not.

    we had snow today... pathetic ... do not need snow in my life at all.

    @button thanks for your kind words... the battle however, is not won just yet... we fight every month.. .and this one could be one of the trickiest yet. think that we are about 2k short which is blooming odd ...

    @deedeedee still missing my boy. wish i could afford a short break [sigh].

    @mrs gg... what do u make of our weather?

    xxx

    more stuff added to the shop... cant wait to add more later in the week! valentines stuff selling really well... i wonder why!
    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
    @button - i have pm'd you 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
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