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Diary of a Poor Person aged 46 1/2

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Comments

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    good luck mrs C - some good advice above!
    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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    oo well its morning.
    i am a headache - not surprised and still feel sick... so raini i wont need any cake! that must be a first.

    sh - yes i have some great advice from everyone - esp kissjenn. OH and i are discussing options today. tomorrow is a major day so we are bit grim - i have never seen OH so grey looking and so close to tears.

    talking of living in a caravan doesnt help! and to the outside world ... all looks rosy... but its not!

    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
    Thinking of you lovely ... I hope the talking helps xx
    Mortgage: Jun 08 £155300~Repayment Made: £4300~Remaining: Mar 10 £151000
    DFW Nerd 1190
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Morning morning, mrs cmr :D sending positive vibes hugs loves and smiles and happy thoughts and icing and sugar and all other things i can find in the cupboard of lorve :D.. off to bed back on another night shift .... chin up the silver lining is coming :D 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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Talking's good. Great that you two are a team.

    It's bad when cake ceases to have appeal....take heart the calories will soon sound yum again.
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    Nothing useful to add, just lots of dodgy hugs:grouphug: & positive vibes
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    thanks lurker!

    have had 'chat' with OH and we will see the outcome of tomorrow. im v busy doing ebay listings...
    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
    Fingers xd for you both.

    Ps - isn't KissJen a fountain of knowledge!! Am liking her a lot!!!
    ** 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
    Kissjenn .... knows stuff!! she is good to have around!

    nice to hear from you Mrs GG! hope you all well and lovely - best regards to Mr GG! 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
  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
    mrscmr wrote: »
    Kissjenn .... knows stuff!! she is good to have around!

    nice to hear from you Mrs GG! hope you all well and lovely - best regards to Mr GG! x

    I wonder if she knows people too?

    TBH, I am well, but not so lovely. In rubbish mood and Mr GG and I have fallen out. Big stylleeeeeeeeeeeeeee.
    ** 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)
This discussion has been closed.
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