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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
    ooo i like shopping..... opps correction... i liked [past tense] shopping!
    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
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi mrsc - with you lot all talking about diets I joined an online diet thing this weekend - wish me luck!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    omgosh SH - best of luck with diet... i keep falling off the wagon... yikes! must try harder.... 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
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    well done sh on joining online diet x mrs cmr try atkins it might suit your needs more and still loose x good night for now 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
    debt.png

    Changed my totals a tiny bit... but OH tells me he is closing company in August and will have no income... um explain how that works? will i be camping in my own garden as have no where to live? no food? yikes - hope we can sort this out :-(
    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: »
    debt.png

    Changed my totals a tiny bit... but OH tells me he is closing company in August and will have no income... um explain how that works? will i be camping in my own garden as have no where to live? no food? yikes - hope we can sort this out :-(

    I love your ticker!

    Sorry to hear about your OH and his company closing - does he have something else lined up? I'm sure you'll be able to sort it. Chin up xxx
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Sorry to hear about OH. Does he have something else in the pipeline?

    And I think I just clicked you onto :T10,000 views:T - that's an amazing following. Well done!
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    10,000 views oh my word... who are all these people who read about my grim life???? Thanks Jen!

    OH has no back up plan...seems i might have to take to the streets again...[only joking] !!

    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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Always have a basque and sussies on standby...much more reliable than OHs and their incomes! :rotfl:
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    oh kissjen ... u r so BAD!!!!!! 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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