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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
    thats kind... thanks.. OH said today " have we hit ground zero yet?" gosh i hope so... we really need to level out and start moving up. even thought about graphing my days but then thought thats a bit tooo weird even for me!
    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!
    Have you ever seen the SUMO book. It has a scale for measuring days and it acknowledges something called Hippo Time where it's okay to wallow, not forever but big doses of carp need to be absorbed before you move on. If you've haven't seen it I'll dig out some stuff...bit bullsh1t bingo but easy read and some good stuff about getting things in perspective.

    standardcard.gif
    :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
    kissjenn... you never fail to surprise me... you are a fountain of knowledge!!! 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
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hope you all manage to beat off the swine flu okay...
    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
    have had a sense of humour bypass.

    todays word is low. there are other words i would consider posting here but i would be banned from coming back on so best not, instead i will put.... fjkaskldasfjsdl*(&*&*)**^*^&

    right?
    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 - you will get thro this (hugs)
    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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    How is small boy? And how are the rest of you? And swearing is perfectly fine, it's a natural release and boosts endorphins and feels effing wonderful somedays!!
    :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 SH and kissjenn

    yes i know the human spirit is a wonderful thing - i know that for a fact. we are tough and resilient and all the time we have hope then there is a good outcome. right now today i feeling no hope.

    small boy is much mended - asleep as i am typing this. child #1 is probably the next as he is sneeezing his head off! joy joy joy!

    as for me i would love to go and have a long lovely sleep with out anyone bothering me... hey ho - not a chance!

    im doing my last batch of ebay listing before my hols - just to raise extra cash.

    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Sending big hugs to you! You so deserve some happiness and luck mrscmr and very soon.

    Really hope your son starts to feel better soon, poor love. Good luck to OH and job interviews tomorrow.

    K xx
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    thanks karen - thats really kind of you to pop in...

    i must confess i have not really been posting on diaries of late - only just having time to keep up to date with reading them! so to everyone who pops in and posts on mine... thank you so much it really helps me... fingers crossed for a better week! 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
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