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Diary of a Poor Person aged 46 1/2

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 :-(
    Ticker's good - OH's news not so good!:eek: Hope that he finds a way of continuing to have some of the customers on his books
    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 29/7/25
  • MissKJ
    MissKJ Posts: 780 Forumite
    yes last time I contemplated that (street working) , i didnt have enough loose change :o
    unsecured 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!
  • Ah mrs cmr, imso sorry about the grim news i dont know what to suggest but big hugs and chin up, xxx im here 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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Morning,

    How are you doing today? xx
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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....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
  • Raini
    Raini Posts: 471 Forumite
    100 Posts
    *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 £151000
    DFW Nerd 1190
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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
    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: »
    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! xx
  • 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)
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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 #223
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