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Diary of a Poor Person aged 46 1/2

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Comments

  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
    I don't see what other options you have?

    Am sure if you did, you would already have tried the other options.
    ** 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
    hi MrsC - I would be very careful of giving them any reason to suspend your overdraft or take away your mortgage - I would therefore be inclined to take advice as a minimum from national debtline or someone before you go in there....

    If they took away your bank overdraft tomorrow - where would you be..... Tread carefully!
    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
    oh u think they would take it away? i hadnt thought of that.... oh great ...:
    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
  • hermum
    hermum Posts: 7,123 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hope it all goes/went well for you.
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    back from bank...
    currently been put in a holding pattern... didnt say no... well not yet anyhow.
    will not extend o/d though :-(
    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
    jeeeeeeezzzzzzzzzzzz seems i have been paying ppi on 2 loans even after i cancelled them a year ago... !!!!!!.

    now going through complaints proceedure to get sorted. they owe me 12 months over payments. grim
    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
    my life is just a roller coster ride... right now heading for a big dip :=(
    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
  • curly_B
    curly_B Posts: 137 Forumite
    Hi mrscmr ....I have been reading your diary all week.....you are doing so so well sticking at it and not giving in!! I remember reading about your antics last year on the ebay challenge and how you give it your all and by doing so motivate everyone else on here around you to aim high as well !! Ride that roller coaster, there will be dips ( I know I have enough) but highs as well and just remember when the roller coaster finishes ...everyone gets off because its even and tries something new! :) big hugs x
    :rotfl::rotfl:
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    curly b... thanks !!! much appreciated! :-)
    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
    day started badly, tipped coffee all over desk
    then bad new post
    now the meeting i thought was guarenteed is now an interview ... great, just great. :-(

    can the day get any worse?
    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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