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Diary of a Poor Person aged 46 1/2

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Comments

  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hmm i have an anxious tummy tonight... :-(
    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: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi mrsC - it sounds like continuing to focus on ebay could be a way forward. Do you already do surveys like lightspeed and valued opinions - if not I could refer you if you like? Do you do free daily scratchcards at bingo sites.... ? Do you do the free trial cashback offers at places like quidco - if not get over to the Make £10 a day thread on the DFW board for more ideas... I'd happily refer you to bingoport where you can get amazon vouchers....(I would then get free points too) or you can of course go direct....

    It would be stupid to say stop worrying but at the same time - worrying isn't helping... do the little things to make money. Can you do some mystery shopping? Again look at the up your income board for ideas... There are solutions you just need to look in different places to normal for the answers...

    Hope that helps a little
    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
  • Hope everything goes well tomorrow/friday - you really deserve the break.

    Fingers and toes crossed for your OH.
    LBM 11 July 09
    July 09:
    cc1 £1882, cc2 £1574, cc3 £8100, loan1 £2543, loan 2 £22517, total debt £36616 _pale_

  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    oooo oSH - yes i had a phone call from mystery shopping man today. he defo put me forward to top of list for shopping in my area!

    yes i do surveys

    Thanks notsogood - we need a break! 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
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hi all
    how going?
    im a rushing about busybody today. organising / phone calls/ post office etc.
    had a phne call about jsa - off to have interview with them on 21st! oH had letter about one of his lloyds cc and they have reduced the limit... hmm wonder why! duh maybe cos we rang them and said we are poor.

    OH final interview has been deferred till hopefully tomorrow am instead of today pm... more waiting and hoping. i have some work contact phone calls to make today to try some different avenues.

    ebay going well.

    how is everyone else?
    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
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    I'd just like to say what a lovely person you are:A - here you are in major turmoil yet you're still concerned about everyone else

    fingers are crossed for tomorrow & the JSA on 21st - bet you find that QUITE the experience!!!
    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.
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Hey ho Mrs - you're sounding upbeat and chipper. Glad things are turning a corner for you.

    I'm writing an essay...about African Art...I know nothing about African Art...spot the flaw in the plan? :rotfl:
    :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
    hi lurker and kissjenn - hey ho to u both. had an interesting chat with an new friend today about how reduced income really does have a massive impact if you have been used to having money. like me they were almost embarrassed to be found in this position, but also like me they are doing their best to get on with it and deal.

    i have and am learning some valuable lessons - bit late in the day but ....

    and, yes lurker im a lovely person ... nOT!

    ha ha
    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
    was thinking that when i go to jsa meeting ... would wear a mostache and dark glasses... what do you think?
    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
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    might be a bit warm for that.....try playing the 'do you come here often game'.......passes the time!
    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.
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