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Diary of a Poor Person aged 46 1/2

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  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    thanks karen... it really made me think long and hard on the drive home.
    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
  • Afternoon mrs cmr just catching up on my threads hehe ...... ahhh how sweet what you did, who knows she maybe on here somewhere :D today she will be thinking some luck has come her way you may have just given her the little hope she needed.... dont feel stupid about your debt how she sees her debt is how you see hers yes you earn a good wage but that does not make you rich after all we are all paying big debts and may have little excess compared to others so chin up hows diet ?? xx
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    thanks happytobe... i would think she has no phone let alone access to internet. it was v sad. hope it cheered her up a little. as for diet ha ha its not... must try harder.
    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
  • YES you must but i feel your feeling fed up and low so just cut down for now and move more then when things ease off start diets :D i feel its hard to debt bust and diet beause both depressing journeys hehe 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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    i feel its hard to debt bust and diet beause both depressing journeys hehe xxx

    I second that Happytogetdebtfree!
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    i completely agree.. but if i could shift some weight - i would feel soo ogood!
    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
  • well how about starting something low fat then weaning down to lipotrim its hard to just cut food out full stop.... i know its hard for me thats why im doing slimming world when i work and cambridge/ sim fast when im days off :D 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
  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
    MrsCMR.... you are totally generous. One good deed and all that. That made me smile.
    ** 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
    mrs gg - thanks... where have u been??? u have been missed
    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: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi MrsC - yeah it is good sometimes to appreciate how others live. We are very lucky.... I was watching the program "the unloved" the other day about children in care - that was so sad... 50000+ in the UK at the mo.....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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