📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Diary of a Poor Person aged 46 1/2

1…224225227229230…380

Comments

  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    relax love something will work out, tell them you can not just suddenly start overpaying particularly at the moment ?? good luck thinking of you love xxx
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • too_much_debt
    too_much_debt Posts: 3,218 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Don't have any solutions I'm afraid. I hope the bank lady calls you back soon. Life really sucks sometimes.
    Sealed Pot Challenge #016
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    so does some one know... what is the ratio of the number of bad things = good things?

    what i mean is how many bad things have to happen for a good thing to happen?

    say in 1 day 3 bad things happen... does that mean u r entitled to 1 good thing?

    anyone know... cos all im having is bad things... surely something must go right at somepoint?

    cant even get on wireless network on laptop now.
    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
    They say things happen in 3's, how many runs of bad luck in a row have you had?
    Sealed Pot Challenge #016
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    21345544,33545666

    surely im due a good thing?
    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
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Ahh Hun sounds like you are having a time of it I'm like that lately feeling all woe with the world here's to some good luck x
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • too_much_debt
    too_much_debt Posts: 3,218 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Keep the Faith mrscmr - I'm sure your luck will turn around soon, it has to.
    Sealed Pot Challenge #016
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Sorry you're having such a hard time. It's only my opinion but if they are not moveable on the DD amounts could you cancel the DD's and just send them a cheque for what you can afford until you can sort it out with them? I would ring them up and try and negotiate lower payments or a repayment plan rather than struggling to pay them and not being able to pay other bills.
    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
    oh darn it all.... bad bad bad... have to keep positive.. clinging to every good teeny bit i can think of....

    our twitter is growing... we have 25 followers including sainsbury and lots of mums groups/associations etc! great.

    plus we have just ordered lots of lovely products from a german company and i am uploading them tonight on our ebay shop!

    really distressed as owed money from cyprus and OH owed money from tax.... we are no officially on an electricity conservation campaign! personal ebay going well up to 150 for march already!
    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: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    sorry about the eleccy bill - explain you need to repay over a longer period due to the recession. I bought an owl energy monitor for £27 from Amazon to try and reduce our eleccy use - may be an idea? My Asda were selling them recently too
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.4K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.7K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 258K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture