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Diary of a Poor Person aged 46 1/2

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  • hi guys xxx hope all is well, and to thoise who are mardy bums begger off :P all we do is shrink shrink shrink :D im bushed 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 = £41157.68
  • Rani i sasw your thread i know what your upset about, maybe feel somewhat misguided because your debt is to oh not a company that can hunt you down so they feel the need to take anxiety on you but if you ask me debt is debt and debt is debt and that is that :P eat cake sip tea and see the numbers fall :D 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 = £41157.68
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    totally agree DEBT is DEBT to anyone.

    @happytoget... whats news on teeth whitening... not that i can even come close to affording in anymore but i can dream!!! oh my goodness diet is rubbish too. what can i do ... i so dep i want to eat.:-(
    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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi MrsC - how did oh's meeting go?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • well I had moulds made I pick the guards and cream up Friday woo so will fill u in. I am counting calories love I'm tired of drastic diets slow but sure wins the race. Now I know how u feel about food it's nice to junk out but try your hardest not to I have a cuppa and a blue ribbon each day. Hehe. Ps think only of the positives or you have a healthy family a roof over your head and we are having a leisurley drive this is debt club he he x x 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
  • Raini
    Raini Posts: 471 Forumite
    100 Posts
    Rani i sasw your thread i know what your upset about, maybe feel somewhat misguided because your debt is to oh not a company that can hunt you down so they feel the need to take anxiety on you but if you ask me debt is debt and debt is debt and that is that :P eat cake sip tea and see the numbers fall :D xx

    Thank you :D The way I see it is that I would still owe that money to my bank & be without this house & in LB last property (a 1st floor flat) with no way of selling it if we hadn't done it early last year if LB hadn't bailed me out! I do understand give & take in a relationship but I took & am now giving back!!! If the money was mine it wouldn't all go on a car at all! But the money isn't mine & LB gave it me without hesitation & without thinking he was actually going to get the money back. I will give it him back :D

    Sorry Mrscmr ... off my soap box & you can have your thread back now! :rotfl:
    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
    SH - well the accountant is recommending insolvency ... so the process starts. but seems that its not so clear.

    well have a good sunny day everyone!
    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
    Part of the Furniture 1,000 Posts Combo Breaker
    done the car deal... please dont ask... but im out of the neg equity and have a new car that is cheaper..[dont ask by how much] its all relative ... remember??!!!

    smiles!
    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!
    'onest guv!!!

    Smiles back - if you're happy we're happy. Nobody's business but yours.
    :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
    thanks kissjenn! but means i can re-adjust a 12k hp agreement off my totals when its settled so surely thats positive... um surely?

    and i have a question to you all... im curious to know somthing.... lots of kind peeps seem to visit my diary but i dont know who you all are... i know my regular visitors well and finding out more about them every day but who else is out there lurking??? please tell me who you are - i would love to know!

    tonight corrie - im really liking the storyline with kev and molly. if i had a daughter i would call her molly.
    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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