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Baby steps to mortgage freedom for beanielou.

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Comments

  • beanielou
    beanielou Posts: 99,575 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    What a really lovely post Hopefuljoy :grin:
    I stated making OP's last year but I haven't made any this year as yet & won't be for a wee whiley yet.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    in_need_of_direction wrote: »
    I can help with the loo roll. Found a 24 pack I'd been assured we didn't have. How can someone miss seeing 24 toilet rolls?

    Mr GG couldn't find the menthol crystals I told him were sitting on the bathroom windowsill, in a little white pot, next to the chrome dish. They were indeed sitting on the bathroom windowsill, in a little white pot, next to the chrome dish. Even Mr GG was impressed by that failure :rotfl:.
    beanielou wrote: »
    I stated making OP's last year but I haven't made any this year as yet & won't be for a wee whiley yet.
    So how are the ones you made last year Beanie? Still treating you well? Still not charging you interest? Don't diss what you have achieved, that is debt and interest that will never ever ever come back :T.

    How nice to be able to cheer you on for a change, rather than reading your supportive posts to others :j.

    GG :)
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • skint_spice
    skint_spice Posts: 13,742 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    I stated making OP's last year but I haven't made any this year as yet & won't be for a wee whiley yet.

    Ach join the club but we'll get there, keep plodding!
    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May 
    Boiler fund £2085/3000

  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    It ain't a sprint its a marathon :)

    Keep plodding beanie it will happen ... One thing that always helped me was working out how much interest per day I paid, I would find out £8 odds and set a wee mini goal for ,£7.99 I would keep squirreling away pennies and before I knew it I would make it i'm now on less than £3 a day and it feels really good ..... Took me a long time with many months I couldn't pay anything at all ... But I got there and so will u beanie


    Now toilet roll supply for Butti, she's gonna need it on Friday :) so exited for ya me dear
  • beanielou
    beanielou Posts: 99,575 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Butti's loo supply will all be hers :j :j
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    Hopefuljoy wrote: »
    I love your posts and you are always so compassionate and kind to people.

    I think you are wonderful and I'm cheering you on all the way!

    I think there are quite a few of us who agree.
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'         48% off mortgage
    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    elantan wrote: »
    It ain't a sprint its a marathon :)

    Now toilet roll supply for Butti, she's gonna need it on Friday :) so exited for ya me dear

    I think the excitedness is tapered by tiredness and piles of drawings.
    beanielou wrote: »
    Butti's loo supply will all be hers :j :j
    (and my toothpaste!!!)
    Now there's something I can get excited about
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'         48% off mortgage
    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 8,051 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    gallygirl wrote: »


    So how are the ones you made last year Beanie? Still treating you well? Still not charging you interest? Don't diss what you have achieved, that is debt and interest that will never ever ever come back :T.

    :T Very well said gallygirl - repaying capital is one thing, but paying interest is quite another - so any penny that you can keep and not just hand over to 'the man' is to be celebrated.

    Keep going Beanie :T

    Greying
    Grocery Spend May 2026 £111.65/£200
    Grocery spend April 2026 £199.95/£200 +5pence
    Non-food spend May 2026 £41.72/£80
    Bulk Fund 2026 Month 5/12 - £5.98/£93.54 (reducing balance - start £120 pa)

    ""Mother Nature don't draw straight lines
    The broken moulds in a grand design
    We look a mess but we're doing fine
    We're card carrying lifelong members
    Of the union of different kinds..."

    "Union of the Different kinds" - R Christie & T Gilbert,  Fisherman's Friends 
  • beanielou
    beanielou Posts: 99,575 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I have to admit to buying a couple of things from not on the high street.
    Had not come across it before which is maybe for the best :rotfl:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • in_need_of_direction
    in_need_of_direction Posts: 8,205 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I love that site. Hopefully you got cash back?
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.
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