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Diary of a Poor Person aged 46 1/2

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Comments

  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi mrs c

    catching up - new job still tiring for me but in a good way.

    Glad to see your debts are coming down and things look more rosy! Hope you manage to fit all your work in.

    I don't understand the social networking stuff either....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Hi all hope you had a nice day mrs cmr :D 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
    sooo stressed
    too busy

    would love a day when i could take it easy for a change :(
    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 mrs c dont work too hard 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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    friday and sunny... working in the garden... not gardening but working... does that make sense?

    have a busy weekend ahead! we have a school fete on sunday... looking forward to lots of lovely sales!

    what has everyone got planned? where has everyone gone? am i too boring these days ? probably!
    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
  • Purpleroses
    Purpleroses Posts: 4,125 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    the air is really breathless here, difficult to be out for long. hopefully some rain comes soon to clear it!
    Today is my last day at work for a week wooo!!!! i'm so excited! desperately need time off

    Hope you have a good weekend!
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    We are all here lol, just tired oooh hope sunday goes good for you hows the debt busting hows life in general 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
    dont know if this applies to anyone on here... a few weeks ago we had a competition to win a wasp catcher but the winner has not replied to their winning email notification... if its someone on here... called Sam... please can they contact me!

    mad day today burnt to a crisp but a great profitable day selling really well at a school fete!
    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
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Hey thats great mrs cmr :D remember to have a day off, you should listen to hava eker secrets to a millionaires mind :D ..... hope you are chilling out now 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
    wow the forums gone all funky! i kinda like it!

    mad day again... have a headache...:(
    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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