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Diary of a Poor Person aged 46 1/2

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Comments

  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hope you are ok
    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 wrote: »
    evening all
    thanks for ur posts.

    @positiveandfocused - thank you for posting on my diary first. thank you for unlurking too!

    i think more people than i realise are reading this.. i hope for the right reasons and not waiting to see me go 'pop'!

    at school today the teacher said i looked like i was going to combust! if only she knew!

    :-(

    tomorrow is a new day
    Hi Mrs CMR

    I am sure everyone lurking or nonlurking are in support of you, willing you on! I find having positive affirmations everywhere a huge help. Have you thought of watching a feel good film, for me The Pursuit of Happyness film starring Will Smith is simply fantastic, based on a true story. I really believe somethinglike that and sticking to this forum will help to instill a self belief in you and a confidence that will help you get through this period of uncertainity. Take care
    My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
    May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T
  • Raini
    Raini Posts: 471 Forumite
    100 Posts
    Hi mrscmr, just wanted to howdee!

    Hope you're OK? If you're not up to posting maybe we can just get a little wave?

    I have tea & cake & chocolate & hugs ... xx
    Mortgage: Jun 08 £155300~Repayment Made: £4300~Remaining: Mar 10 £151000
    DFW Nerd 1190
  • SkintGypsy
    SkintGypsy Posts: 580 Forumite
    Debt-free and Proud!
    Where are you Mrs?

    You were sounding quite upbeat and motivated end of last week, but then nada. Let us know how you getting on. x
    Debt free as of July 2010 :j
    £147,174.00/£175,000
    Eating an elephant, one bite at a time
    £147,000 in 100 months!
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    dear all lovelies who have posted over the last 2 days ...
    i must apologise. i have been in a complete whirlwind and like a whirling dervish!

    its all phone calls/planning/talking/counting money [or not]/sorting out trying to get jobs.
    progress is this...
    storming ebay weekend - thats good
    OH - one interview tomorrow and hopefully one later in week - good news - good salaries - will fix the problem
    OH work - nothing - big worry - winding up court is next week and then i guess struck off ? cant get sense from anyone - no comms either

    as a side issue - a dear dear friend has had an emotional breakdown and i have been desperately trying to help her.

    every days wizzes past in a flash
    valuation of house was good BUT bank wont move and wont lend us any money
    payplan and cccs have rung but i have told them we trying to sort out this ourselves and to give us 2 weeks.

    thank you - everyone for thinking of me and supporting me

    we have tiny glimmers of hope and as a human being - we all need hope just something to cling on to. when that hope is gone then i dont know where we will be... so until then we just hope with all we have

    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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Glad you're ok.

    Great news for OH, well done him.

    Is it worth keeping going with CCCS and Payplan a bit longer until you definately don't need them rather than dropping them now?
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • The_Golden_Goose
    The_Golden_Goose Posts: 1,040 Forumite
    The tiniest of glimmers can turn into the biggest of rays....... stick with it.
    ** 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)
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope your oh's interviews go well
    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
    hi all ... im still hanging on just by my finger tips.
    been soo busy rushing and stuff
    weird thing happened yesterday OH had interview which we will hear about on monday to see if he is through to next stage - fingers crossed he is cos then all our worries go a way a little.
    but i saw a job so rang up expecting it to be filled or that i was too old..
    but man said ... oh yes i can see you right now.. like right NOW!
    so i went for interview - im completely over qualified for job - job is something i can do easily and the money is just sooo poor but its something. so im waiting to hear but man got all excited about me - dunno if that was real or not. we will see but odd. anyway made me get cv completely ready and will be sending out tomorrow to those lovely agencies we all love!

    hope you all are ok? what news from afar?

    btw my ebay has been great and i have done about 400 in the last week! much needed i can tell u

    must get back to listing
    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
  • cuddlymarm
    cuddlymarm Posts: 2,206 Forumite
    Part of the Furniture 1,000 Posts
    Hi

    I was getting really depressed about the lack of any job because I had been self employed for 5 years and am 47. I dutifully took my CV to anywhere with vacancies (and a few places without) My new boss and collegues are really happy that I am there and that is worth a lot when you think no one is ever going to give you a job. Its physically harder than I expected and a lot busier but I'm really enjoying it. I'd say any job is better than no job at the moment. It will give you something to focus on and it will feed your family so good luck. I hope you hear soon.

    Cuddles:rotfl:

    August PAD 

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