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Baby steps to mortgage freedom for beanielou.

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Comments

  • skint_spice
    skint_spice Posts: 13,743 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nothing useful to add but thinking of you x
    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
    Boiler fund £2085/3000

  • Suffolk_lass
    Suffolk_lass Posts: 11,095 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm just back from holidays and read 80 posts to catch up. I agree a log-burner or multi-fuel stove would be a burden very quickly, but you can get some very attractive gas fires that look like a stove (and others that look like an open fire) - and some have remote controls too, if that is what you desire, but not cheap and would need professional installation and all-in, no change from £1000.

    I make use of a small moveable electric convector heater when I don't want to heat the whole house and we use a couple of oil filled radiators under the desk (between the knees) and in the bathroom, to delay turning the heating on. We do have a wood-burning stove but we live in the country, and seasoned wood is easily stored and obtained. 

    My Mum's just had a serious fall (she's 92) and I think her hearing getting worse seems to be affecting her balance, she isn't happy about it. I really empathise. I find a hot water bottle or two under a blanket work for me (along with a little helper snuggling up) and lots of hot drinks
    Save £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
    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 in 2026 discussion thread
    My keep within our budget diary is here
  • beanielou
    beanielou Posts: 99,626 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So sorry about your mum @Suffolk_lass
    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.
  • beanielou
    beanielou Posts: 99,626 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Miss Summer. 
    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.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Wish I had an Oodie #tempted
    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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