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Baby steps to mortgage freedom for beanielou.
Comments
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Thank youSuffolk_lass said:I recommend a large gin - to let you celebrate the return of your car and reduce the sensation of stiffening up. Very pleased for you (and the celebration with DS).
It's my Mum's birthday tomorrow and a collection of bits are on their way there
Hope your mum has a lovely day 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.3 -
Hurrah for having your car back and sorry to hear about the fall - hope the gin is helping!
Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc3 -
So now the car chronicles have hopefully concluded, I have been having a wee look at the finances & not going to lie I have taken my eyes off the ball.
So October needs to be a month of dedicated no spending.
I honestly do not know how I ever paid the mortgage.
I am also along with a lot of other people worried about the increase in energy costs.
My income is fixed & does not go up.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 -
6 years ago today since I was coming back from my last trip to France!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 -
Thank you. We have just had a video call as I have not been able to see her in person since 2nd Jan 2020 - trip planned for the week after next if no changes to rules 🤞beanielou said:
Thank youSuffolk_lass said:I recommend a large gin - to let you celebrate the return of your car and reduce the sensation of stiffening up. Very pleased for you (and the celebration with DS).
It's my Mum's birthday tomorrow and a collection of bits are on their way there
Hope your mum has a lovely daySave £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
OS Grocery Challenge in 2025 I am at £2135.07/£3000 or 71.17% 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 here3 -
Delighted to hear that you finally have the car back Beanie but sorry to hear you fell, too!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Fingers crossedSuffolk_lass said:
Thank you. We have just had a video call as I have not been able to see her in person since 2nd Jan 2020 - trip planned for the week after next if no changes to rules 🤞beanielou said:
Thank youSuffolk_lass said:I recommend a large gin - to let you celebrate the return of your car and reduce the sensation of stiffening up. Very pleased for you (and the celebration with DS).
It's my Mum's birthday tomorrow and a collection of bits are on their way there
Hope your mum has a lovely day 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.3 -
ThanksEssexHebridean said:Delighted to hear that you finally have the car back Beanie but sorry to hear you fell, too!
Now on 3 falls this week.Such is life.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.3 -
I'm so pleased you have your car back at last! Sorry about the falls, I hope you are ok xx"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 McGee3
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I'm so glad you've got the car back. That will help. Sorry to hear about your falls xMortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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