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Diary of a Poor Person aged 46 1/2
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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 29/7/250 -
yes last time I contemplated that (street working) , i didnt have enough loose changeunsecured Debts at [strike]August 2007 £79,984[/strike] September £79,579 [STRIKE]Snowballing date July 2013[/STRIKE].
May 2009, £76,772 unsecured debts
DMP started Dec 2008, End date at start 2133!0 -
Ah mrs cmr, imso sorry about the grim news i dont know what to suggest but big hugs and chin up, xxx im here xI 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 = £41157.680
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Morning,
How are you doing today? xx0 -
morning morning morning...
im ok thanks karen... and thanks ladies for popping in - hope ur having a great day... weatherwise its grey and dull .. .how come its june and no sun???
well child #3 party on saturday - will be fun i hope!
ebay going well - amazing... must list more...
i have 2 days paid work next week which is good and OH is trying to salvage something from the wreckage -- think he might -- but he is not sleeping really.
i think it will be a few weeks before we know for sure what is going on - a worrying time - but we have been through worse. remember when we carelessly lost 17K and when i 'carelessly' lost a contract due to a row with the new MD who fired everyone so he could bring in his 'friends and family'? but u know what we live and learn... we are all here for eachother and i really appreciate that.
have a good day all....xxHighest 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 #2230 -
*Huge Hugs*
You're so ... brave/sensible/inspirational/positive - I could go on but take your pick from that! I'd be having kittens. But are you're so right you do live & learn & what doesn't brake you makes you stronger.
Big hugs to you & a nice cup of tea & a couple of biscuits (oh OK the whole packet!:D)Mortgage: Jun 08 £155300~Repayment Made: £4300~Remaining: Mar 10 £151000DFW Nerd 1190
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thanks raini!!!! if u are having kittens - put me down for a girl one!!! ha ha!
as for biscuits... shhhh [dont tell happytogetdebtfree] but i had about 5 cookies!!! hope u have a good day!xHighest 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 #2230 -
thanks raini!!!! if u are having kittens - put me down for a girl one!!! ha ha!
as for biscuits... shhhh [dont tell happytogetdebtfree] but i had about 5 cookies!!! hope u have a good day!x
I think you are allowed cookies.....comfort food and all that! Hope things do sort themselves, sounds as if you have a nice solid unit at home and together i'm sure you'll get through it - like you say you've done it before! xx0 -
I bought cookies today too. Think I may even bake some this week as well. Depression and cookies go hand in hand, at least for me they do.
Feels like its going to hammer down ANY MINUTE. The sky has gone very black, obv its sensing my mood du jour!** 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)0 -
mood du jour - mrs GG is teeming rain!!!! sorry to say... where is the sunshine? i want to paint the shed!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 #2230
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