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Diary of a Poor Person aged 46 1/2

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  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    Hi TMD have sent you a pm ref your ebay shop SavingHolmes good luck with the new mortgage and job. Hope it all works out MrsMcr well what can i say I go off MSE for a few months, and it all changes for you. Well done for finding something you are good at and going with it. Well done also for finding a supportive business partner to do the site with you. In some ways its a pity that you couldn't have sold the house earlier in order to release the equity. BUT if you had done this 18 months ago, you wouldn't have learned the important financial lessons that will stand you in good stead going forward....So silver linings and all that. Wow about going to Switzerland, what do the children think of all that. Will OH company pay for them to board in the UK, or would you have them in school in Switzerland? Personally I would go for the latter then they would get good language skills too... Hope to hear from you soon. Have sent you a pm asking for details of website, and ebay shop as I still shop in Europe on occasion. chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Chev

    Hope MrsC is ok
    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
  • Seems I need to catch up ! Is MrsCMR emigrating? Which house sold - Cyprus ?
    ** 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)
  • Hi mrs c hope your ok, xxx update soon 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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi GG - MrsC is trying to sell her UK house so she can move to Switzerland where her OH's job is
    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
    hello people yes im still on the planet...just been so busy with work and home and kids off on hols from school.

    i have summer cold :( no hope of a holiday in sight :(
    our latest figure is £125,186 on credit and loans soo coming down!

    xx back soon to fill you all in [assuming anyone still here?!] 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
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Nice to hear from you again :) and congrats on the figure! any news on the house?
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • Hi mrs vc, nice to see you and yay on the figures keep up the good work i am feeling the strain and i only touched down last night arghhhhhhhhhhhhhhhhhhh 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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi mrsc hop you get better soon
    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
  • savingmore
    savingmore Posts: 661 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    coming out of lurkdom...

    have taken quite a while to get through your thread and finally finished a short while ago!

    what an amazing story you have and well done on your perseverance and all you have achieved...it is wonderful. i think you made the right decision in not going on a DMP as it has inspired you to go for it and you are achieving amazing things with your new business....as someone already disclosed the name of it, i am know going through your website and may order, it looks great, well done!

    will stay subscribed, are you on hols as you haven't been on for ages???

    take care,
    and hope you are resting,
    sm
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