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Baby steps to mortgage freedom for beanielou.
Comments
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Best thing with foodbank is to assume nothing.
Clients sometimes need to be provided with the very basics ie tin openers, pots, crockery & cutlery.
It is no longer the case that food banks have too much of anything
We are struggling every week to provide what our clients need.
Woking people, people on benefits, all kinds of people.
Scary times ahead.
We have had to start an exrta shift to keep up with demand
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 was watching something on tv the other day where they reckoned we were one of the 6 wealthiest countries……it’s absolutely criminal that people need food banks and are struggling. You are doing an amazing job Beanie.January spends - £587.585
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Thank you for serving at the foodbank - even if it is desperately sad that they are needed.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 10/10/254 -
I am a FB trustee.
Certainly never a dull moment that's for sure!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 -
I agree, it is so, so wrong in this day and age. You are amazing.milann said:I was watching something on tv the other day where they reckoned we were one of the 6 wealthiest countries……it’s absolutely criminal that people need food banks and are struggling. You are doing an amazing job Beanie."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 McGee3 -
That's a worry, I remember when I worked at the soup kitchen we were not allowed to give out tins of food ( we were given the reason that the police had asked us not to as tins could be used as a weapon)beanielou said:Best thing with foodbank is to assume nothing.
Clients sometimes need to be provided with the very basics ie tin openers, pots, crockery & cutlery.
It is no longer the case that food banks have too much of anything
We are struggling every week to provide what our clients need.
Woking people, people on benefits, all kinds of people.
Scary times ahead.
We have had to start an exrta shift to keep up with demand
we used to have to chuck tins out as they were out of date, they should have been donated to a food bank long before they went out of date but some how joined up thinking wasnt used, both Mr El and I got very frustrated and eventually after us asking for months ( since easter) if we could give away the un used easter eggs and constantly being told no then them getting chucked out we had enough and left.
I take my hat off to you Beanie you will be so busy just now xxx5 -
Your diary moves so quickly. I went back a bit but can't see how you are doing with pip? Hoping good news?If 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20254 -
No news on PIP @doingitanyway 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 -
Watching a very sobering programme about the Worlds End murders in 1977 in Edinburgh.
So so sad.
Shwing a lots of my old haunts.
Bitter sweet on many many levels.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 -
I missed that Beanie….might try and find it on catch up.January spends - £587.584
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