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Diary of a Poor Person aged 46 1/2

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Comments

  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    oh blimey i am sooo pathetic
    i can pay of nearly 34k worth of debt in 8 months but can i stop putting junk in my mouth..??? nope can i heck!

    weak and weak and weak ... thats what i am.
    shall i start again on monday!
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    mrscmr wrote: »
    oh blimey i am sooo pathetic
    i can pay of nearly 34k worth of debt in 8 months but can i stop putting junk in my mouth..??? nope can i heck!

    weak and weak and weak ... thats what i am.
    shall i start again on monday!

    I'm the same......i'll start again with you on Monday......we did say we were the queens of procrastination,or something like that....didn't we:confused::rotfl:

    On the plus side, be happy and VERY proud of yourself for paying nearly £34K off of your debt.....WOW :Txx
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    yep we did say that... ok i know i want this and i know i need to do it but whats up with my head...? its all over the place... oh well back to ebay listing!
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Stressful eating perhaps :confused: I know I am an emotional eater. Maybe trying a sensible low fat diet and little exercise might help? I know I can't follow any fad diets so to speak as I love food too much so just try and eat low fat, cut out the rubbish and reduce portions...it seems to work for me and I know some lovely low fat pud recipes so still get the treats ;)

    Keep smiling :D
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    mrscmr wrote: »
    weak and weak and weak ... thats what i am.
    No not weak - strong for recognising development need and being prepared to address it! Also "experts" agree that it is hard to focus on more than one goal - so I am putting all my energy into debt busting - and getting the right job at the right pay as part of that - I have recognised that diet and exercise will need to wait as I have no spare energy or thought focus for that... So don't be too hard on yourself (and that goes for you to Karen) - it is hard really hard to be focused and achieve in more than one area at once.

    I am hoping if we get the debt kicked tho that we can afford the gym again - that would be nice!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    completely agree with u SH !!!
    OH arrived home today and said had i lost weight? i say 3lbs he say ooo well done - it shows... random!
    x
    ok listed 13 on ebay today... have about 8 more things ready and found some shoes never worn with tags today! hey hey
    have a great weekend - off out all day tomorrow
    xx
    thanks all for popping in to my world!
    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
  • dawnybabes
    dawnybabes Posts: 3,508 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Makes it all worthwhile when they notice - well done you !!

    Do you use Turbolister for Ebay ? Makes life quicker
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Karen_30
    Karen_30 Posts: 823 Forumite
    See you had made a difference! Have a lovely weekend, xx
  • well done on the listings. Whynot do atkins much much easier love x x have a good night x 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
    thanks ladies
    ha ha omg who is watching big brother... i think i am in love with the bloke with the velvet suit and all the flowing locks... not the wolverine bloke i might add - the last one in!!! hope u all enjoying it!
    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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