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Baby steps to mortgage freedom for beanielou.
Comments
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So a bit of a manic day today at the FB.
Done now.
Then out for a late lunch with my FB frind.
Tried to get some gravel to top up my drive a wee bit but no luck as garden centre had none.
I seem to have mislaid my bank card which is a real PITA.
Off to look more.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 -
Hope you find the bank card.There seems to be a real shortage of things in garden centre…….I’ve been all over trying to get some plant pots….nothing fancy just bog standard terracotta pots. I ended up finding some plastic ones in The Range yesterday…..not what I wanted but it was that or my sunflowers will strangle each other.January spends - £587.584
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Found bank card.
Totally wiped out today, no idea why.
So no physio & a day in the house.
Hoping to get my hair cut on Friday.
Currently like a bush!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.6 -
Glad you found your bank card. Hope you feel a bit brighter tomorrow."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 McGee5
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Thank you jwilI 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 -
Yay to the bank card! Hope you're feeling better today.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”3 -
Hi Beanie
I have been a long time lurker in these forums, I have been planning on sending you a message for a while I think you are an inspiration with what you have to cope with and how you manage. I think I am from same regional area as you but not same town as I am more coastal.
I see you mention arnica a lot and was wondering do you buy the cream in tubes? They can be very expensive . I use it a lot too but get it in gel form in large tub/containers
I don't have my own diary but reading the debt free diaries on here set me on the path to being debt free. I went down the trust deed route which took 3 years to clear my debt then a further 3 years to clear it from my credit history. I am now trying to build up a healthy emergency fund. I have some but not as much as I would like. Along the way there have have been some bumps in the road, the biggest being losing my mum suddenly on Hogmanay 2018. I am still working my way through that cloud, a lot of the time I feeling I am just coasting and have not got any get up and go to do anything but the essentials a lot of the time. I do still have my dad and he is a lot more reliant on me now which can be a big weight on my shoulders as my older brother lives a long way away6 -
Take care Beanie. Glad you rested if you’re feeling tired. Hooray to finding the bank card.
January spends - £587.585 -
Pleased to read you found your bank card, saved you a nightmare cancelling stuff. Happy haircut day tomorrow.I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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yuanzhi said:Hi Beanie
I have been a long time lurker in these forums, I have been planning on sending you a message for a while I think you are an inspiration with what you have to cope with and how you manage. I think I am from same regional area as you but not same town as I am more coastal.
I see you mention arnica a lot and was wondering do you buy the cream in tubes? They can be very expensive . I use it a lot too but get it in gel form in large tub/containers
I don't have my own diary but reading the debt free diaries on here set me on the path to being debt free. I went down the trust deed route which took 3 years to clear my debt then a further 3 years to clear it from my credit history. I am now trying to build up a healthy emergency fund. I have some but not as much as I would like. Along the way there have have been some bumps in the road, the biggest being losing my mum suddenly on Hogmanay 2018. I am still working my way through that cloud, a lot of the time I feeling I am just coasting and have not got any get up and go to do anything but the essentials a lot of the time. I do still have my dad and he is a lot more reliant on me now which can be a big weight on my shoulders as my older brother lives a long way awaySave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here6
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