Diary of a Poor Person aged 46 1/2

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  • mrscmr
    mrscmr Posts: 2,903 Forumite
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    ha ha mrs gg
    i feel miles better.
    back also better!
    happy easter....
    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
  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
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    and to you my friend.

    Stuff your tum with bunnies (the choccie kind)! An instant mood lifter.
    ** 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
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    ok got my ebay head on
    got my work head on
    got my house cleaning head on
    got my ironing head on
    yikes... too many heads... i look like a freek
    DH -- grrr last night casino. dont say it ... you know what im gonna say... .yes £800 down. i rant and rave at him .... what is point. shall i ground him like i do the kids? grr
    onwards and up wards
    merrry easter [do we say that? ] to you all and many lovely choccys for us all. and no getting up early for work or school run!!!
    yippeee!!
    till next time ....
    i remain yours......
    mrscmr
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
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    well all going in right direction.
    some major expense coming up this week though.. car repairs - already paid it - £1100 yikes
    but will sell car so will get money back
    have a small loan on it but the settle ment fig is about 8k will sell car for 14 k so some profit to go on the other lovely debts.
    ebay really doing well and have generated over 900 pounds now in 4.5 weeeks.
    i will be glad when kids are back at school
    did a reasonably cheap shop at morrisons.. i love some of their specials and bulk deals.
    hope everyone [who am i kidding - who are these everyone's???] im on my own in my own little diary world - anyway if there is anyone else out there have a great week!
    enjoy the spring weather
    mrscmr
    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
  • Scottishmummy
    Scottishmummy Posts: 1,176 Forumite
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    Well done on the ebaying. I have loads of stuff i keep meaning to go through to see what is sellable and so far I have only sold one thing. Need to get camera charged and get taking pics.

    That's a lot you plan on getting rid of in 4 years. How do you plan on doing it?
    The person who moves a mountain begins by carrying small stones.
    Diet loss starting Sept 2019 0/80lbs:eek::o
    Proud to be No. 47 of the DMP mutual support club
    DFW Nerd #380. Proud to be dealing with my debt
  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
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    Cool beanz Mrscmr - really well done.

    You are a debt busting machine, let no debt lie in your path for it will be squished squashed and splattered into oblivion.

    Seriously now. Am totally impressed.
    ** 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
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    gee ... thanks both... now i see i am not alone.
    scottish mummy... we have loads of loans/cc/ etc which end from 2011 till 2013. the mortage on both houses [ooo dont we sound posh - but poor] will be well underway. the cyprus house is paid for by income then we can start to knock off the bulk. oh yeah and i will have won lottery by then! and have no school fees to pay either. but we are facing up and getting on and thats what its about. no longer do you find me like an ostrich with my head in the sand. im a whirlwind of activity and thinking money money money every waking minute.
    hugs to you
    mrscmr!
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
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    gosh i really want to buy some summer clothes. so i went online and did a pretend shop.
    a pretend shop is where u get a list of all the things u want to buy add them into your online shopping basket and then see the total amount... and shock horror realise u cant afford it.
    so you close internet explorer and wait for the day u can. i really really wanted the wedgies though... dont suppose i can sneak in a pair when no one is looking? just a little pair? nah i guess not.
    hey ho
    mrscmr in desperate need of wedgies! i mean shoes not when someone grabs ur pants kind of wedgies! ergh
    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
  • Scottishmummy
    Scottishmummy Posts: 1,176 Forumite
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    mrscmr wrote: »
    mrscmr in desperate need of wedgies! i mean shoes not when someone grabs ur pants kind of wedgies! ergh

    Glad you clarified that. My 9yo just needs to hear that word and collapses in fits of laughter. :rotfl:

    I once did a virtual shop at Pia and didn't spend over £2500:eek:
    The person who moves a mountain begins by carrying small stones.
    Diet loss starting Sept 2019 0/80lbs:eek::o
    Proud to be No. 47 of the DMP mutual support club
    DFW Nerd #380. Proud to be dealing with my debt
  • savingholmes
    savingholmes Posts: 27,397 Forumite
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    Hi Mrs- just wanted to pop along and give you some moral support. Will OH not listen on the casino front ? - My OH wouldn't dare.... but wouldn't want to either. I don't think he has ever gambled. The only gambling I have done is the mse type where you exploit loopholes and withdraw

    Does he think he has a gambling problem or does he just see it as a form of recreation?
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £12.3K
    3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
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