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Baby steps to mortgage freedom for beanielou.
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There you go then - 5 minutes, repeat a few times a day. Do you have an outside space that would take a chair or stool you can perch on perhaps?🎉 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/her3 -
Need some more help.
Looking for some half decent trousers in probably a grey.
I no longer fit into my one & only pair of smart trousers.
Not mega cheap but not too expensive.
Any thoughts? 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.4 -
Yes, I do.EssexHebridean said:There you go then - 5 minutes, repeat a few times a day. Do you have an outside space that would take a chair or stool you can perch on perhaps?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.4 -
M&Co are good. I’ve had quite a few things from them and been pleased.beanielou said:Need some more help.
Looking for some half decent trousers in probably a grey.
I no longer fit into my one & only pair of smart trousers.
Not mega cheap but not too expensive.
Any thoughts? Thanks.I get knocked down but I get up again (Chumbawamba, Tubthumping)4 -
Not sure what size you are Beanie. Do you want to pm me? I've got rid of lots of work wear but kept some grey m and s ones which were borderline but now too big
M&co - I got some in the sale and they were great quality but very little choice now and they are £30 full price. I paid £12 for black.
ASDA can be good but also not but if you have a local little store easy to collect/return with no minimum order.
Hugs
Ps, not sure how smart you want?4 -
And I second Essex's comments, is there somewhere you can put a deckchair or stool outside? Also is the conservatory welcoming to sit in with your warm wrap?4
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We have Lumie daylight alarms (DS & I) and they definitely help but I know my friend uses a light box. I noticed the Lumie one is half price in this link (still £30 half price though).beanielou said:
No, I have a cheap light thingy I bought a couple of years ago but I don't think it helps.Suffolk_lass said:Have you got a crafting daylight bulb? I swap to these at this time of year as I know the diminishing light makes me feel like carp
Re trousers, I used to buy these (something very similar) for work with an overblouse. Warm, comfortable and not scruffy (£12.50)Save £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
OS Grocery Challenge in 2025 I am at £2135.07/£3000 or 71.17% of my annual spend so far
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 thread
My new diary is here3 -
Do you have a Matalan near you Beanie. I’ve had some lovely trousers in the past from there.January spends - £587.583
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I find TU at Sainsbury's quite reasonable and usually good quality."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 McGee2
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Another fan of TU. I can’t fault the quality.jwil said:I find TU at Sainsbury's quite reasonable and usually good quality.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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