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Baby steps to mortgage freedom for beanielou.
Comments
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The other really important thing was loosing the boys of of couse finding Summer.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.4 -
Yes, swings and roundabouts, you lost your lovely boys but gained a lovely girl xxI get knocked down but I get up again (Chumbawamba, Tubthumping)5
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You’ve had a roller coaster of a year Beanie. So sad loosing the boys but lovely to have gained Miss S.....I bet you’re both really pleased to have each other. You have done so well on the financial front.....Mortgage free in March.....that is just fantastic. I remember how you used to fret about loosing the house if you couldn’t meet the payments. 👏👏👏👏
It will certainly a very strange Christmas.....I just don’t have a clue what to get my gks....I wish we knew what to expect at Christmas......whether we can get together or not. I wouldn’t want to swap places with any of the ministers responsible for making decisions though 😳😱😳😱January spends - £587.585 -
Hope you are having a lovely weekend
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
Wow you've achieved a huge amount 🎉. Your finances are looking really good and you've done really well, especially on a low income.beanielou said:So.
As this is a MSE diary i thought I would do a quick money round up.
Mortgage will be gone in March. May or may not have to pay an exit fee due to the OP's.
Interest free credit card is gone as off last week.
The day to day credit card is fine.
The home improvement loan is ticking over & I need to make a couple more OP's this year to get to where I want to be for the end of the year.
I have achieved a lot this year including the major work to the conservatory.
I have a new cooker & a new to me fridge freezer.
So lots to be very very thankful for.
I need to remind myself of this when I am not feeling at my best & finding things hard.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS4 -
Thank you.HairyHandofDartmoor said:
Wow you've achieved a huge amount 🎉. Your finances are looking really good and you've done really well, especially on a low income.beanielou said:So.
As this is a MSE diary i thought I would do a quick money round up.
Mortgage will be gone in March. May or may not have to pay an exit fee due to the OP's.
Interest free credit card is gone as off last week.
The day to day credit card is fine.
The home improvement loan is ticking over & I need to make a couple more OP's this year to get to where I want to be for the end of the year.
I have achieved a lot this year including the major work to the conservatory.
I have a new cooker & a new to me fridge freezer.
So lots to be very very thankful for.
I need to remind myself of this when I am not feeling at my best & finding things hard.I surprised myself when I wrote it!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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.4 -
A nice quiet weekend.jwil said:Hope you are having a lovely weekendWe are not allowed to travel out of our council areas. So no seeing my mum or my DS sadly.I have caught up with a couple of friends on Zoom & have been reading Blunt Force by Lynda de Plante from the library.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
Your so so close
Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming4 -
Boo to not being able to see your mum or DS. How do they know if you’ve travelled outside your council area?I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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Really good MSE steps and the best of all your MF date is drawing ever closer If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720253
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