📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Baby steps to mortgage freedom for beanielou.

1172417251727172917302410

Comments

  • milann
    milann Posts: 11,410 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I’m not surprised you feel out of sorts….take care 👍
    January spends - £587.58
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Shetland  :grin:
    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.
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 8 September 2022 at 8:41AM
    Hope your cat is giving you cuddles
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Do you have some sort of walking frame Beanie? Years ago when youngest was having falls OT came to assess her and lent her a walking frame which helped a lot.
    They knew I also had two forms of arthritis and fibro  and often had sciatica attacks with left me unable to sit , stand or walk. They lent me a perching stool to try it was quite tall and I couldn't sit on it without pain although I'm tall myself. Leaning against it would begin to lower the pain levels until I could move again.
    I watched the first 2 episodes of this final Perez Shetland series.I'd always meant to read Ann Cleves books. I watched every episode of Vera and have the full set on Dvds. I love wide open spaces and big skies and both Vera  and Shetland featured those things.
    There was so much rubbish on tv in the last few years I was watching the dvds repeats of other things I'd loved and enjoying the vurtual tv winter and other walks with the Yorkshire Shepherdess and many others walking in lovely often wild places.
    Spring I could wander through snowdrops , primroses and bluebells which was something I;d always done in real life until lockdown.
    I can't believe I only watched 2 episodes of Shetland. I'd emailed an MSE friend living in Scotland but always lomged to live on Shetland until she discovered how harsh the winters could be to remind her to watch.
    I will have to catch up though I think all 7 series are now on sale as a boxset.
    pollyxx
    It is better to light a single candle than to curse the darkness.

    There but for fortune go you and I.
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I hope your head is better today beanie. Watching Dougie probably cheered you up a bit!😀
    It did  ;)
    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.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.