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Baby steps to mortgage freedom for beanielou.
Comments
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You're not a scrounger, don't say that. You're someone in need of a little assistance to make your life a bit easier. I'm glad you're able to start a claim now but that was a long and unnecessarily winded way of getting there. Why are these things never straightforward when they absolutely should be?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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Oh it was stressfulgirlatplay said:You're not a scrounger, don't say that. You're someone in need of a little assistance to make your life a bit easier. I'm glad you're able to start a claim now but that was a long and unnecessarily winded way of getting there. Why are these things never straightforward when they absolutely should be?
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 -
Sorry you've had a stressful time. Hope you find a way to de-stress this eveningIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20256 -
Aw Beanie, what a fiasco. Nobody should be forced through such a rigmarole for something they are entitled to. I hope it gets sorted out for you soon xxx6
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doingitanyway said:Sorry you've had a stressful time. Hope you find a way to de-stress this evening
You are right @Cheery_DaffCheery_Daff said:Aw Beanie, what a fiasco. Nobody should be forced through such a rigmarole for something they are entitled to. I hope it gets sorted out for you soon xxx
Thanks @doingitanyway.
It's how it makes you feel.
It's not nice
Not helped by not feeling my best anyway & big birthdays seem to bring up lots of 'stuff'.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 -
Seems like a system designed to weed out most of the people who need to use it, which is just horrendous.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +16 -
I think they deliberately make it as hard as possible. It's just wrong.Merlin's_Beard said:Seems like a system designed to weed out most of the people who need to use it, which is just horrendous.
Beanie to me a scrounger is someone who is fully fit and able to work and chooses to be bone idle instead. I don't think that remotely applies to you.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/265 -
I so agree.Merlin's_Beard said:Seems like a system designed to weed out most of the people who need to use it, which is just horrendous.
Most people would give up at the first hurdle.
Some or maybe even most of our foodbank clients could not deal with this at all 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 -
Thank you.savingholmes said:
I think they deliberately make it as hard as possible. It's just wrong.Merlin's_Beard said:Seems like a system designed to weed out most of the people who need to use it, which is just horrendous.
Beanie to me a scrounger is someone who is fully fit and able to work and chooses to be bone idle instead. I don't think that remotely applies to you.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.4 -
Sorry to hear about the PIP saga 😩 Mr SA gets it and I know what you mean about the feeling like you’re scrounging, it shouldn’t be the case for genuine claims.On a happier note, happy 60th birthday 🎂🥂I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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