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Baby steps to mortgage freedom for beanielou.
Comments
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So sorry to hear you're having a tough time lately beanie. 😞. Hope you're feeling brighter today.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”3 -
Ahh sorry things are rough Beanie - is there any form of physio you can do that might help reduce the falling? It's awful that you're spending so much time feeling sore from it.🎉 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
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
I pay for private physio every week @EssexHebridean & do exercises.
One of the reasons I am always skint & am so worried about tyhe energy increases.
The media would have you believe we are all scroungers.
My benefits dont cover my physio & decent shoes.
I can barely walk & if I do too much for me which is barely anything I fall.
I am in pain most of the time.
I sit at a desk a couple of times a week at the FB & that is my social life in the main.
Sorry, I am not at my best.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 -
Oh beanie - I cannot begin to describe how sorry I am to hear this. Hugs.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4 -
Sorry to hear you’re not at your best right now. Sending hugs xxI get knocked down but I get up again (Chumbawamba, Tubthumping)5
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I feel like you and I always go like this in Winter - it is hard to keep going in the dark.
You have made yourself a lovely home and have a fantastic son, so many friends and your lovely cat. I know it is grim now, for me it is the realisation that it is just getting darker and colder and I am so tired. This will pass. It will.
I am going to try yoga again. I did like it before and that might help. I think routine is key for me in these days. Just keep posting here Beanie, your words help all of us and maybe we can help you too XXXXXX
Nevertheless she persisted.9 -
Also sorry to hear it and sending more hugs xo
Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc5 -
Buffy nails it with that second sentence. And yes, also agree that the time of year probably doesn't help, it IS gloomy isn't it.
More hugs incoming...🎉 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
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her6 -
Sorry things are so tough for you Beanie. The pain and falls must really get you down. Wish I was closer so I could help in some way - even if it was just with the social side of things. Just hugs.January spends - £587.585
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Sorry about how tough things are at the moment. I echo what everyone else says xxx"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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