Diary of a Poor Person aged 46 1/2

Happytogetdebtfree

evening mrs cmr il me happy when in at 30 k it will somewhat please me knowing that half my debt has gone yipee x

wantabetterlife

Morning mrs cmr. Hows things today? I live in northern ireland and the house we rent out is the first house that me and oh bought together. We have been renting it out for 3 years now and ideally i would love to sell it but there is no point because the value has went down so much that we may even be in negative equity!! The whole thing is so stressful as the tenants that just moved out had burnt holes in worktops etc...so annoying!! Depending on interest rates we may go onto repaymemt mortgage in december as it looks like we will be holding onto it for the forseeable future. Have a good day!
WABL

mrscmr

afternoon peeps
having a busy but productive day
doing some gardening/tidy/hairdressers/trying to get the garage to do a trade in on mine and oh cars to get cheaper ones. so all in all goood money saving stuff.

how everyone else doing?
half terms starts today! help!!!

xx

Happytogetdebtfree

hi well I'm at mum and dads and I've done 30 min on treadmill having my slimfast stuff flaming starving but hopefully in a week results will show x I keep thinking about stuff should I stick to original target plan or should we start saving cash to clear the homeowner loan? This saving us 218.28 a month? I don't know how to work out what I'd be saving and if it will make a difference to the debt time or if it would cost me as much in ontrest with the credit cards eee what do u think? X

mrscmr

@happytobe i would concentrate on paying off debt - well thats my plan - not saving at mo!

sooo busy today on ebay. havent yet managed to work out exactly how much i have made but seems good. fingers crossed it continues!
have a great holiday weekend every one!

xx

Happytogetdebtfree

I will x x I'm working all this weekend and next do I have a life I think not. Yes mrs cmr back to original plan clear credit cards then focus on loans x hehe x

mrscmr

oh i missed this forum!
overall a great day, gardening, running errands and trying to be good. OH tells me that he has to take a pay cut - 1.5k per month.. oh yikes how will this help my quest?

whats new with you?
must get listing more stuff on ebay!
have a great bank holiday weekend!

savingholmes

Hi happy - use the snowball calculator at whats the cost website to work out what you would be best paying off first

Mrs C I missed the forums too. Managed to get both kids out on playdates tho and am sat here reading a book while OH sort out our bedroom, moves furniture etc - not bad!

mrscmr

SH - please send ur very helpful OH to my house - could really do with some help. not very happy with my OH at moment but im sure that will pass. grrrrrr!

Happytogetdebtfree

Hey kids, i worked all day but oh did car boot and made 85 quid yay ... ahh mrs cm shame a bout hubby may only be a shortterm cut as long as you can meet thebills for now thats all that matter xxx christ hes loosing my basic wage how much a month does he bring home will it make a big difference to the monthly incom e ?? spoeak soon xxxx