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Baby steps to mortgage freedom for beanielou.
Comments
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I need to!!milann said:You’ll settle back with the spends Beanie….it’s just because you know your mortgage free and we can get out and about again after lockdown. You’ll get back into 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.5 -
Milann is right beanie - you'll soon get back into the swing of it!😃Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4 -
Beanie I have been buying extra things here and there because I know I can, as everyone has said it will settle down . Good idea to maybe get help with the gardening if your tools are not helping you.mLife is an adventure, never stop exploring.5
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Are you mad woman!? Getting someone in to start you off is a good idea but a little bit of maintenance is good after that.beanielou said:The weather here is not summery at all.
I have not managed any weeding which is just as well as I have pulled a muscle in my leg.
When I weed I sit on the ground & then struggle to get up.
The long handled tool I bought does not work for me.
I need to pay someone to deal with all the weeeds on the other side of the fence in the land that no one maintains.
In other MSE news I seem to have been overspending a tad & I need to reign it right in.
Although I am now MF I stll have a very small income & need to remind myself of that.
Check out sturdy steps for weeding - DH uses one like this that you can kneel on the pad at the bottom and use the sides to get up but I don't like the feeling of being closed in so I use a stack of four plastic stools like these and I make sure I have a fork to lean on to get up if I am stiff from being there a while (I am double jointed so it might not suit others).Save £12k in 2026 #2 I have banked £9004.48 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £1111.79 and most of my May purchasing made
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 in 2026 discussion thread
My keep within our budget diary is here7 -
I hear you on the overspending.
I think Suffolk_lass has a couple of good ideas there.Mortgage at 12/07/2022 = £175,000
Mortgage at 31/03/2026 = £154,976.87
300 256 payments to go.House buyout fund £26517.34/£36,000
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Good luck to Scotland tonight Beanie .Life is an adventure, never stop exploring.4
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Another one spending for England. It helps to know I am not alone on this one!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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
Thank youSuffolk_lass said:
Are you mad woman!? Getting someone in to start you off is a good idea but a little bit of maintenance is good after that.beanielou said:The weather here is not summery at all.
I have not managed any weeding which is just as well as I have pulled a muscle in my leg.
When I weed I sit on the ground & then struggle to get up.
The long handled tool I bought does not work for me.
I need to pay someone to deal with all the weeeds on the other side of the fence in the land that no one maintains.
In other MSE news I seem to have been overspending a tad & I need to reign it right in.
Although I am now MF I stll have a very small income & need to remind myself of that.
Check out sturdy steps for weeding - DH uses one like this that you can kneel on the pad at the bottom and use the sides to get up but I don't like the feeling of being closed in so I use a stack of four plastic stools like these and I make sure I have a fork to lean on to get up if I am stiff from being there a while (I am double jointed so it might not suit others).
Have had those stools that you lean on. Unfortunatly I have broken 3 so far.
I have the other type of stool but I still have to crawl to get to it.
The joys of CP~~not.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.3 -
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.3 -
Thanks.doingitanyway said:Another one spending for England. It helps to know I am not alone on this one!
I am fair scunnered
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.3
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