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Baby steps to mortgage freedom for beanielou.
Comments
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Central heating with big radiators is my vote, do you really want to be lighting fires and emptying ash every day. Imagine being snuggled on settee and having to get up to put another log on the fire, worrying about bringing wood inside etc etc etc4
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Beanie we would all like to help you with your decision but it is impossible.
You know your own house we don't.
You say your would heat your living room but what about your bedroom, bathroom?
We also don't know about the insulation, the windows etc.
Can you turn radiators down in the rooms you use less?
Heavy curtains, etc?If you go down to the woods today you better not go alone.4 -
I think it's an even bigger decision than you realised, beanie - the issues that people are raising are real ones.
And PS - your lovely cup! What a shame!2023: the year I get to buy a car4 -
Part of the question on the heat source revolves around the age of your house - if it was designed to have a real fire - ie it has a chimney - then the stove will heat the fabric of the building meaning your other heating has less of a job to do, if not though the answer may be somewhat different. If you were going to go for it though I'd suggest definitely go for a multi-fuel one due to the issues mentioned previously around new legislation.
As for Nationwide - we've just ditched a flexaccount we've had for over 20 years due to there being no real advantages to us is being customers any more - the travel insurance that is now going was the last real benefit.🎉 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/her4 -
Do you qualify for the government heating allowance I think it’s about £140…….well that was when I applied for it through my gran.
have you shopped about for energy prices? XxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.053 -
I’d hate to go back to just one source of heating. I vividly remember upstairs from my childhood - in fact any room away from our coal fire being like the artic in the winter and Jack Frost painting pictures on the inside of bedroom windows 😳😳 There was some warmth if you were right next to the upstairs chimney breast but not enough to keep any warmth up there. Not a decision to rush into Beanie, if it was an extra to central heating maybe but I’m not convinced it would work for me……depends n your house though.January spends - £587.583
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abba1772 said:Do you qualify for the government heating allowance I think it’s about £140…….well that was when I applied for it through my gran.
have you shopped about for energy prices? Xx
No shopping around at the moment~~Martin says! xxI 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 -
EssexHebridean said:Part of the question on the heat source revolves around the age of your house - if it was designed to have a real fire - ie it has a chimney - then the stove will heat the fabric of the building meaning your other heating has less of a job to do, if not though the answer may be somewhat different. If you were going to go for it though I'd suggest definitely go for a multi-fuel one due to the issues mentioned previously around new legislation.
As for Nationwide - we've just ditched a flexaccount we've had for over 20 years due to there being no real advantages to us is being customers any more - the travel insurance that is now going was the last real benefit.
House is 30 odd years old.
As insulated as it cab be, loft insulated, cavity wall.
It would be multi fuel.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 suppose it is as it is.
I feel the cold & that's it.
Can't let my body get too cold as my muscles just seize up.
Second toilet seat of the year fitted today.
I so hope it is better than the last one which was truely dire!!
I wish Primark delivered.
Still not managed to get to Primak & really want to get one of these huggly snuggly things!
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 -
It looks like you could get a free visit to get some advice: https://www.citizensadvice.org.uk/scotland/consumer/energy/energy-supply/making-energy-efficient-home-improvements/funding-for-energy-efficiency-in-homes-s/ There may be grants available too: https://www.homeenergyscotland.org/warmer-winter/"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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