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Diary of a Poor Person aged 46 1/2

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hope you do well on your diet too!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    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
    thanks SH - i fear debt busting is easier than stopping eating buns!
    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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Debt busting definately easier. I baked Twinks Hobnobs and muffins and birthday cakes last week ... all saved lots of cash and boys very happy - my jeans aren't tho.

    Count me in for shifting both types of pounds please :o
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • yay im day 3 now im off to bed tired i measured so im getting weighed in a few days to see if any progress im bushed i will have to catch up soon .... i had a stonker of a headache i had to take paracetamol my god !! listen if you get fed up of water you can have perfectly clear strawberry and kiwi its made with malic acid not citric so shouldnt knock you our if ketosis :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
    hi happy...
    im day 2 today. all going ok - headache gone again but for how long?
    hungry must drink more water. how much do u drink a day?
    updated my totals this morning which is good. more to update later in month when my statments come through.
    have a sunny day everyone !!!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
  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I try for 2 l of water.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hope you have a good debt busting day and a good diet day!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
    Hello peeps!

    Hopefully the hot weather is making you drink more water and has suppressed your appetite.

    Today I have already troughed:

    Crunchy nut cornflakes and a coffee
    HM quiche and salad, crisps, yoghurt, satsuma and an apple
    Diet coke

    Guess what? Now I want chocolate. Think its boredom but I am so peckish. Me want to eat eat eat.

    Keep up the debt bashing. Kick those creditors into touch and REPAY REPAY REPAY.
    ** 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)
  • Hey, i drink 8 pints a day or more if i can :D, the more you drink the more you shrink :D ... atkins diet is great im notfeeling peckinsh im feeling slimmer im keeping myself from the scales incase its disappointment :( .......... hehe ive been good on treadmill i hopeyou can keep going on lipotrim :D keep plugging love...... im only updating when i have shifted a credit card or loan otherwise i get sick of looking im happy the numbers are going down :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
    well a very busy day
    cut the grass, did some weeding, got sun burn [hmm tomato face!]
    did some paid work
    did a post office run
    hoovered
    will start ironing about 8pm
    did lots of washing / drying
    do have headache. but must drink more water - 8 pints sounds loads - might drown?

    pleased to see that lots of you pop in and post - cheers me up! thank you all!!!xxx

    updated my totals today to see over 33K paid off since nov 08 so thats good dont we think? if i can repeat this in the 2nd half of the year i will be v pleased!

    have a good evening - tv is ok tonight!
    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
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