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Diary of a Poor Person aged 46 1/2
Comments
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Hi MrsC - I had disasters of my own yesterday so didn't get on... I'm currently waiting for a lift to a funeral - as both cars are off the road - and the lift is late so a bit worried about whether we will get there on time EEK
Sorry about OH's company - Hope he manages to restart something so you can ge the income flowing again.... In the meantime challenge every spend even if you don't want to post an SOA look thro everything to see what you can take out!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 -
PMA positive mental attitude where there is will there is a way... be willing to accept big changes if need be
You can get through this tthere is no shame in having a tough time of it and we are here to support you if its 3 am in the morning or not do not get sleepless nights .... could you rent your house at is there someone you can ask for help ?? can you sell up ? is there anything we can do ?? what can you dismiss of and save quick cash on some luxuries may have to go put an soa up we can help 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 = £41157.680 -
ok im gonna go day by day. PMA is my new motto!!!
might be able to shift both cars - talked to garage today. need to earn more in proper paid work and get ebay moving .....
't will be OK!!! dont panic peeps - its been worse!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 -
We're all her hun *willing* you on xxMortgage: Jun 08 £155300~Repayment Made: £4300~Remaining: Mar 10 £151000DFW Nerd 1190
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THANK YOU!!!!!!! Raini and happytoget means alot to mexxHighest 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 -
Really good attitude:T but when the doubts come feel free to vent! We're here for that..... Good luck too!ok im gonna go day by day. PMA is my new motto!!!
might be able to shift both cars - talked to garage today. need to earn more in proper paid work and get ebay moving .....
't will be OK!!! dont panic peeps - its been worse!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 -
Keep up the good work its scary times but we have health we have hope and we will all get through this 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 = £41157.680
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sorry to hear that your OH couldn't keep the company going. That must be a real blow. I hope that you can BOTH tackle this together. There is nothing worse, than one partner scrimping and saving whilst the other ones carries on as if nothing has changed. I hope that this won't be the case for you... Well done on getting some more paid work though, and the ebaying, well it puts us all to shame good luck chevI want a job that is less than an hour driving away from my house! Are you listening universe?
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ok im gonna go day by day. PMA is my new motto!!!
might be able to shift both cars - talked to garage today. need to earn more in proper paid work and get ebay moving .....
't will be OK!!! dont panic peeps - its been worse!
Go you! PMA all the way sounds like a good plan to me Just remember we're all here supporting you along the way xx 0 -
its late
im tired
i havent finished my work for the big meeting tomorrow so im gonna either work all night or get up silly early o'clock
my own fault though....
how everyone doing?
OH talking to insolvency co's today ... deep joyHighest 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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