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Baby steps to mortgage freedom for beanielou.
Comments
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Finally starting to feel very slightly more human.
Going for lunch with my maw & a friend.
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.6 -
I will relate my latest benefit saga later!!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.5 -
Enjoy your mealAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/254 -
Hope you had a lovely lunch.Life is an adventure, never stop exploring.4
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Lovely lunch 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.3 -
My friend who works for the NHS said they were told to stop using the old LFTs and order some new ones a month or two ago. She said the old ones don't work very well with the new strains of Covid so there could very well be some false negatives.EssexHebridean said:
Just catching up on your diary Beanie - sorry to hear you've been feeling so grim - hopefully the new anti-b's are now doing the trick and you're getting over it. I have to confess I'm genuinely starting to wonder if there are some new strains of C-19 doing the rounds that the older LFT's don't pick up on. There seems to be a LOT of folk with very covid-like symptoms but negative tests...
On the energy thing, remember that the "average" or "typical" figure might well be a red herring - work out what YOU use in a year and then do your sums from that - a single person living in a small property might well use far less than the typical household - or indeed have a totally different make-up of fuel used - we're approaching twice the average for electricity, but a fraction (literally a fraction - around about 1/45th!) of the average for gas, so the "typical" figures would be a nonsense for us. I understand why the media use them, but it can be terribly misleading for the majority of people!
We're less than the 'average' figure for both electric and gas as well and we are a family of 4, who are not wasteful, but equally not scared to use heating and appliances if we feel the need, so it varies massively depending on the make up of the house and what people's needs are."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 McGee5 -
Benefit saga part 5001 or so it seems!
Notified DLA of a change of circumstances about 3 weeks ago.
This should have prompted a benefit change for the new Scottish adult disability payment.
Letter received.
I was advised it would be PIP.
Ok.
Phones PIP to start new application.
They cant take it as Scottish post code.
Told to apply for ADP.
Phone them.
No cant make claim as currently on DLA.
Need to speak to DLA team.
Phone DLA who are sure it should be PIP.
I am getting more & more stressed as if I dont apply for something the DLA will stop!!!
Eventually get a call back from someone to say they now have a workaround & can start a claim.
I am mentally exhausted.
The joys of being a scrounger~~not!!!
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.8 -
That is absolutely disgusting, it's just so unfair that people have to jump through so many hoops and it's not just one simple contact.beanielou said:Benefit saga part 5001 or so it seems!
Notified DLA of a change of circumstances about 3 weeks ago.
This should have prompted a benefit change for the new Scottish adult disability payment.
Letter received.
I was advised it would be PIP.
Ok.
Phones PIP to start new application.
They cant take it as Scottish post code.
Told to apply for ADP.
Phone them.
No cant make claim as currently on DLA.
Need to speak to DLA team.
Phone DLA who are sure it should be PIP.
I am getting more & more stressed as if I dont apply for something the DLA will stop!!!
Eventually get a call back from someone to say they now have a workaround & can start a claim.
I am mentally exhausted.
The joys of being a scrounger~~not!!!
I hope the claim finally goes through quickly.
You are never a scrounger!!"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 McGee5 -
Thanks jwil
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.3 -
Hope it goes through smoothly from here on out.
I think my fear with energy is we used above average before - and while we've tried to make cut backs not sure if they'll be enough and don't know what winter will be like.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/253
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