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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
    oh dear me... shame on me cos i havent been on for ages and ages...

    life moving at fast rate! no time to think even.

    we're ok i suppose... working harder than ever in my life... debt going down... having trouble with mbna but infact having more trouble with egg - they are grimsters.
    our credit cards and loans stand at 124,333 which means we have paid off 87419 since nov 08.... leaving our biggest number at 487k which means selling the house at 575k paying off the mortgage at 363k leaves us with enough to pay it all off and then start again. have given us a target of this by end of year. dont care if live in rented... just want debt gone.

    found out child #3 has adhd so thats being investigated as to the best course of action

    how everyone?
    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
  • Hi mrs cmr, glad to see you hope you are well, house sounds like a good sell :-). My minds blank on ADHD but I'm glad you have a diagnosis...
    All is well in land of happy well numbers are reducing etc etc :-) 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
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    I there mrsmcr. WOW that is an awesome amount to have paid off. Well done.

    haven't had a look at the site yet but it is on my to do list for tomorrow

    looking forward to the next installment

    Sorry to hear about the diagnosis, but on the other hand, if you have had a feeling that something wasn't quite right, then getting a diagnosis might be a bit of a relief.
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • Hi mrs cmr hope you are well i hope your having a wonderful weekend.. 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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi mrs c sounds like it is all still go go go at your end. Hope you fit some rest in and that the house sells soon to take the pressure off
    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
  • Hi hi hi like to keep the diary active or maybe im full of caffine and just keeping my hands active before they raid some fridge of what could be considered calorific food lol lol

    Hope all is well mrs cmr keep doing what your doing, i think a summary of events is in order like a bullet point of where you started and wherw we are at now its amazing really from the first post to the last few pages of posts we have seen you make some real differences and some great changes :D my god you even have been on the tv and in a magazine :) xxxx
    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
    interesting idea there, happy...
    might well do that.

    overwhelmed with school hols, no money, too much to do and no holidays in sight... thats a first for us!
    one day this will all be over - thats all i can think of..... for now we keep on slogging away at the impossible hugeness of it. 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
  • Just enjoyed a mammoth catch up on here. Well done on website and stuff looks fabby :) Keep going. Bob x
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi mrsc - you will get there - one day all this will be behind you. Try to find some positives in each day to be thankful and focus on those....
    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
  • Chin up mrs c, positive positive positive who needs a holiday when we have good old bristish weather :D relax soak up the rays and be proud of how well you have done.. infact nows a good time for some reflection and summary you have moved mountains and created a device that catches wasps i like it i may get one i havent seen any wasps tho :)
    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
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