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Diary of a Poor Person aged 46 1/2

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Comments

  • jasperconran
    jasperconran Posts: 756 Forumite
    hiya mrscmr,

    I have just come across your diary and you are an inspiration I mean that. Myself and oh are starting a dmp with CCCS in January as I couldnt cope with arguing with the creditors day in, day out:mad: mind you im being harrassed now like 5/6 times a day.

    Anyway, just wanted to say glad your debts are going in the right direction, well done and chin up. There is defo light at the end of the tunnel!

    take care


    JC:)
    LBM: April 2009 - honest debt figure: Secured: £0.00!! (paid back april 2017) unsecured: £53117.48 (roughly):eek: back with CCCS starting again:(
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    yep yep yep... i know... but just now and then i can dream ... eh?

    i think we have done ok-ish in the 2 yrs - paying off so much.. but we're not over the hump yet... debt is falling every day but not fast enough for me.

    ok enough whinning from me ...
    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
    Im with you there mrs cmr :) you have done amazing as i have but it just does not feel enough for me to feel comfy about the numbers :) How is life business seems to be doing well 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
    humbug.. hate xmas.

    hate people shopping and bragging about what they have bought :(

    just wanted to say we have now paid off nearly 93K in 2 years and 30k of that since feb this year! impressive... still blooming hard going though... when will i ever feel happy again :(
    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
  • Dumyat
    Dumyat Posts: 2,143 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    It will come Mrsmr.

    Those people bragging don't know how stupid they are, they are to be pitied. When I look back on Christmases past, I don't remember the presents, I remember the good times sharing a meal with people I love. Laughing at the most stupid things, and all round the tv watching the Christmas specials fighting over who's eaten the last of the chocolate...That's Christmas, not the thud of the January visa bill hitting the door mat.
    x x x
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    What are the totals for your debt now?
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    92202.89 paid off

    116,631 owed on cc/loans

    363,568
    owed on mortgage
    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
    edited 18 December 2010 at 3:27PM
    So, you still owe £479k? Have you added on any debt this year? It just seems that you pay off a lot, but your figures never go down by that amount.

    EDIT: if you look at your own sig, it seems you've added on a LOT to CCs/Loans - almost £20k - do you know why?

    Sorry if I seem harsh, it's just that it doesn't all add up...
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    it went up 22k this year :( then down
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    in feb 2010 it was 521047
    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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