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Baby steps to mortgage freedom for beanielou.

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Comments

  • Sun_Addict
    Sun_Addict Posts: 24,476 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    When I work from home in the winter I often put my dressing gown on over my clothes to keep warm. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Debsnewbudget
    Debsnewbudget Posts: 924 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I love the Tog 24 hoodies, always buy them in the sales though.
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,148 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Sun_Addict said:
    When I work from home in the winter I often put my dressing gown on over my clothes to keep warm. 
    Me also . 
    Life is an adventure, never stop exploring.

  • in_need_of_direction
    in_need_of_direction Posts: 7,870 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    it’s a onesie for me
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I find I need layers. If you get thermal tops though like your plan and possibly leggings that should help.
    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 10/10/25
  • beanielou
    beanielou Posts: 96,827 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Would love a onesie but would never get the loo in time  :lol:
    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.
  • skint_spice
    skint_spice Posts: 13,575 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Aww Beanie I hope you aren’t too sore x
    Mortgage OP 2025 £7550/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,196

    Money making challenge £78/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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