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Diary of a Poor Person aged 46 1/2

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  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I can't get over the idea of school updateing twitter!

    Hope everything is well and that you make a good valentines day profit
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    i know, SH... how very trendy!!! ha ha!photos and all!
    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
    Glad Ebay is going so well for you. I dread the times my two go off for a school trip, like you, I'm not sure whether being updated would be a good thing or not!

    Hope this month works out for you and you manage to pull through.
    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
    great news.. im through the £1,000 barrier for 2010 on ebay!
    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 wrote: »
    @mrs gg... what do u make of our weather?

    Quite frankly my dear, I am in denial.

    It snowed ALL DAY and has not settled, for that I am grateful. MrGG tells me that a big dump is due Wednesday and I am trying not to think about it.

    If the snow does come, I dread to think what kind of mess the roads will end up in, in terms of accidents, potholes and dangerous driving conditions.
    ** 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)
  • too_much_debt
    too_much_debt Posts: 3,218 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    There is a one way street that we have to come down to get to our road and there has been lots of holes all the way down the street, the holes where there when I came back from picking the girls up from school, so about 3.30pm, coming back from ballet at 5.30 the holes had been filled in, they didn't do our road though (also a one way street) but hopefully they will soon as there is a massive one there.
    Sealed Pot Challenge #016
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    apparently we are one of the places with the most potholes inthe country...

    no no no - do not need snow on weds.. im off to the spring fair!
    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
  • too_much_debt
    too_much_debt Posts: 3,218 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I heard that we would get snow on Thursday, in time for the school holidays (so another mother at the school was saying).

    It was snowing on the day I was born, maybe that is why I hate the cold.
    Sealed Pot Challenge #016
  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
    I can believe that for sure, I thought the Councils were supposed to do the main thoroughfares.

    MrGG and I were in the car yesterday, I was driving, and hit a huge pothole by accident, to which MrGG said "oh there are some more on the other side of the road, why dont you swerve over there and see if you can land the other tyres in those" To which I laughed, a lot. Almost manically. I blame the stress!! LOL.
    ** 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
    i v stressed too ... must be in the water
    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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