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Baby steps to mortgage freedom for beanielou.
Comments
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I don't have any suggestions or advice to add. Just want to say that I really struggle with the cold too (blood thinners) so I completely sympathise with you. I dread winter every year and summer is rarely warm enough for me. My Dad is the only other person I know who feels the cold like me. Everyone else is always far too hot and complain about it so vocally that I always feel like I have to shiver in silence. Sending warming, cozy hugs your way (and to @Sun_Addict)
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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I was vaguely aware they existed, but had never looked into them until the other day when they appeared in an article I was reading. I'm really tempted to try one myself, they look really interesting."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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@girlatplay xxgirlatplay said:I don't have any suggestions or advice to add. Just want to say that I really struggle with the cold too (blood thinners) so I completely sympathise with you. I dread winter every year and summer is rarely warm enough for me. My Dad is the only other person I know who feels the cold like me. Everyone else is always far too hot and complain about it so vocally that I always feel like I have to shiver in silence. Sending warming, cozy hugs your way (and to @Sun_Addict)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.[/b] [11 months left.[/b]4 -
My MH is really dipping.
I could sleep for Scotland.
It is a combination of the time of year & being able to do less every month & the falling.
I am falling every two or three days & as I get older I take longer & longer to heal each time.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.[/b] [11 months left.[/b]7 -
Oh Beanie, I hate this time of year, I am sorry, it is so depressing. Can you see the doctor and ask if there is anything you can try? I am sure you have done it all, you never know tho maybe a different doctor might have a new idea?
Keeping warm is so important. Although central heating is expensive you have more control over it, only turning heaters on in the rooms you use. I don't know what to do about mum she is always cold.
Sending you love Beanie XXXXNevertheless she persisted.6 -
Sorry to hear things are tough. I also hate the dark dreary days.
Big hugs from me 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 McGee4 -
I’m so sorry things are so tough Beanie. I know you tried one of those SAD lights a couple of years back….can’t remember if it made any difference or not.
Wish I had ETs magic finger to make things better for youJanuary spends - £587.585 -
Thanks everone 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]4 -
Do you have a sun lamp thing Beanie? Not for a tan, I mean one you look at? They are supposed to help. I have had one but never used it but I feel like you do have one???Nevertheless she persisted.4
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I do.Buffythedebtslayer said:Do you have a sun lamp thing Beanie? Not for a tan, I mean one you look at? They are supposed to help. I have had one but never used it but I feel like you do have one???
I did not feel it helped much, if at all TBH.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.[/b] [11 months left.[/b]4
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