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Diary of a Poor Person aged 46 1/2

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Comments

  • savingholmes
    savingholmes Posts: 29,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Interesting story - amazing that it worked for her.... Hope she had an environmental food hygiene certificate
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    I love making cupcakes!
    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
  • gingababe
    gingababe Posts: 1,040 Forumite
    Part of the Furniture Combo Breaker
    What a story, just shows that anything is possible!
    Onwards & upwards

    G
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    morning

    well im up and down today. bit all sped up and shaky... not sure what that is all about?

    good news - have finally seen an online listing advert for cyprus property! u may laugh but its taken month for this to happen. i pray now that some nice RICH person will buy quickly.

    secondly bank has done nothing, but i have emailed a contact there who is v reliable and hope she will pass us on and we will get sorted asap.

    ebay - must list on personal account. am building website for new venture... my pardner and i are trying to get the mood/style just right ...

    how everyone else???

    happy friday!
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    oh well... coming out from behind the dark of the moon back into radio contact... the bank have rung! gee.. they are a funny bunch... im guessing that they didnt do a thing and that only me contacting the right department has made something move along..

    appt with nice lady from bank who i really hope can help me...

    fingers crossed! xx
    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: 29,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hope that things work out okay with a) the bank and b) the Cyprus property sale
    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
  • Keeping_Motivated
    Keeping_Motivated Posts: 3,653 Forumite
    Part of the Furniture
    Hi I am a long time lurker...I'm sorry you're having such a roller coaster time emotionally.

    I was just wondering if once you sold the Cyprus place if you would be out of 'trouble'?

    Also would you mind sending me the link to your Ebay shop please so I can look at the gifts?

    Thanks
    KM
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi Keeping Motivated! [ i should change my name to that!]

    well selling cyprus would fix us! we would be absolutely smashing gorgeously lovely and back to the start! Would be happy days if we sold it! [secretly... not such happy days cos i loved it] hey... anyone want the link to it? maybe someone buy it from here???!???

    I will pm you link to the shop... oh anyone else? have i left anyone out? shout and me if i have... im a bit scatty at best!
    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
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    can you pm me a link to your property? would love a nose, although sorry, cant afford to buy it!
    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
    ha ha slowly fading.. u nosy person! yes heres a link.. to ur pm...
    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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