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Diary of a Poor Person aged 46 1/2

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  • scrooge2008
    scrooge2008 Posts: 1,382 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Morning mrscmr, my mum always quoted this poem, and when I feel overwhelmed, I like to get out into the countryside and just watch, it always helps me to get grounded. Hugs as always x.

    Sometimes we so caught up fire-fighting that we forget to enjoy life.

    W. H. Davies

    Leisure

    WHAT is this life if, full of care,
    We have no time to stand and stare?—
    No time to stand beneath the boughs,
    And stare as long as sheep and cows:
    No time to see, when woods we pass,
    Where squirrels hide their nuts in grass:
    No time to see, in broad daylight,
    Streams full of stars, like skies at night:
    No time to turn at Beauty's glance,
    And watch her feet, how they can dance:
    No time to wait till her mouth can
    Enrich that smile her eyes began? A poor life this if, full of care,
    We have no time to stand and stare.
    I learned that courage was not the absence of fear, but the triumph over it. The brave man is not he who does not feel afraid, but he who conquers that fear.
  • What a lovely poem :D 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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    wow ladies... just catching up as have been on the coal face all day working hard... but achieving... u do know what i mean by that ... i mean u dont think im actually a coal miner? um nope u dont i hope!

    anyway 1. what a beaut poem.. how thoughtful and very apt! 2. SH ... u must be some sort of psycic... dunno how to spell that... very insightful comments....

    but all in all a v good day :) hard working but good xxxx i think desp housewives on tonight... if so then im gonna go put up my feet!

    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
  • Hey mrs cmr. How's things. In glad you clarified you weren't a coal miner I was concerned ha ha 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
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    lovely poem scrooge

    mrsc - make time to rest!
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    had house valued today! will be getting it ready to put on the market! hurrah ... happy to sell and go!
    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
  • Whoa? When has that come about? I only knew about Cyprus what difference will it make to the debts 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
  • GDB2222
    GDB2222 Posts: 26,286 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Where will you live?
    No reliance should be placed on the above! Absolutely none, do you hear?
  • fc123
    fc123 Posts: 6,573 Forumite
    mrscmr wrote: »
    had house valued today! will be getting it ready to put on the market! hurrah ... happy to sell and go!

    Hi Mrsmcr..I have been following...promise but haven't had much headspace/time to waffle on here....

    The first thing I thought (after I read the 'too much to do/depressed' thread) was you have deff cracked the 'Make more money' bit but have you sorted the 'cutting back'....I know you have on personal expenditure but on The Interest?

    Put the house on and see what happens as I am sure a downsize on property will be fine but also check you can port the mortgage or get a new lower mortgage first.

    I am guessing you are selling Cyprus in euro? So you cou;d really drop the price to make a quick sale but not 'lose ' on exchange rate?

    Any chance you can just get shot if your car yet?

    Sending good wishes...I edited my FB so still get D+C but not all the personal stuff :D
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    quick up date then i off to bed.

    house has a great chunk of equity ... but thats not the reason... if we sell uk house then we clear uk mortgage and all our debts... leaving us with income in cyprus and small mortgage and money left over... OH has been asked to stay where he is perm and wants us all to go... i am happy for various reasons to do this and excited to be free of debt. cyprus house mortgage in swiss francs and nothing moving on that one... so ... happy to look at other options...

    yes FC123 ... spending much much reduced... could do more... but u know... how it is! had a better week this week and not really dep at all... maybe just overwhelmed! xxx
    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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