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Baby steps to mortgage freedom for beanielou.

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  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Are there other things that could help with keeping warm?  I am suddenly delighted I failed to send back some merino baselayer I bought in the sale last winter... it's amazing.  And a great excuse to buy lovely blankets...
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Sun_Addict
    Sun_Addict Posts: 24,191 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I feel the cold terribly so I know what it’s like. Even in summer I feel cold unless it’s above 24 degrees. I dread people opening windows at work. I’ve had my heating on today, it’s only 5 years old so pretty efficient, but I’ve still had to wear a cardigan over my jumper. I’m dreading winter 🥶 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,974 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks @Sun_Addict & @RosaBernicia xx

    I already layer up, wear thermals, knee socks blah blah.
    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.
  • Lou  Multi Fuel Stove.
    The installation would be a huge mess, holes in ceiling, roof.
     Where would you store the fuel where you could get at it and carry it in to the house without getting wet through when it rains, or snows.
    Could you get down on your hands and knees to clean it out? What would happen if you fell whilst you were carrying a pan of ashes?
    Honestly please forget that.

    Do you have gas in the house? do you have an existing gas fire? or are you all electric?
    If you go down to the woods today you better not go alone.
  • EssexHebridean
    EssexHebridean Posts: 24,486 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou 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. 
    No chimney, so would need to be a flu.
    House is 30 odd years old.
    As insulated as it cab be, loft insulated, cavity wall.
    It would be multi fuel.
    I’m going to take a guess that it’s not going to work for you as well as it might in an older house, then, I’m afraid. The walls just won’t hold the heat in the same way, plus no chimney breasts to help channel the heat to the upstairs. 😬
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • beanielou
    beanielou Posts: 95,974 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Lou  Multi Fuel Stove.
    The installation would be a huge mess, holes in ceiling, roof.
     Where would you store the fuel where you could get at it and carry it in to the house without getting wet through when it rains, or snows.
    Could you get down on your hands and knees to clean it out? What would happen if you fell whilst you were carrying a pan of ashes?
    Honestly please forget that.

    Do you have gas in the house? do you have an existing gas fire? or are you all electric?
    Gas in house.
    Old gas fire which no longer works.
    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.
  • beanielou
    beanielou Posts: 95,974 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    beanielou 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. 
    No chimney, so would need to be a flu.
    House is 30 odd years old.
    As insulated as it cab be, loft insulated, cavity wall.
    It would be multi fuel.
    I’m going to take a guess that it’s not going to work for you as well as it might in an older house, then, I’m afraid. The walls just won’t hold the heat in the same way, plus no chimney breasts to help channel the heat to the upstairs. 😬
    Ok thanks.
    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.
  • beanielou
    beanielou Posts: 95,974 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So that bangs that on the head then.

    Thanks everyone for your input.
    Appreciated.
    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.
  • OK Beanie I think what you want is something like this.

    Focal Point Fires Mono High Efficiency Gas Fire - Black | Robert Dyas

    Not saying this exact model but it will give you an idea of what to look for, but you will need to find someone to install it and before you get to that stage someone to advise you if it's feasible.
    If you go down to the woods today you better not go alone.
  • milann
    milann Posts: 11,428 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Is there any way you could have extra or bigger radiators that work on your existing heating system. We put an extra one in our living room a few years back as it’s a long thin room….it made a big difference.
    I think I’d be tempted to get in touch with the citizens advice link that was posted for you ( sorry not sure who posted it) 
    Good luck with your decision 🤞👍
    January spends - £587.58
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