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Baby steps to mortgage freedom for beanielou.
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polly~~Ian Rankin was talking in the documentary about the Worlds End murders in Edinburgh
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 -
Boo to another fall. We need to wrap you in bubble wrap! Good the watch did it’s job though.I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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Sorry to hear about the falls Beanie. Bubble wrap or maybe one of those inflatable sumo suits...
Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc5 -
Oh no. Gentle hugs. At least the physio got to see how it really is for you. Does she have any suggestions to help you…..I’m guessing not. Hope you feel better sooner than soon 👍January spends - £587.585
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Oh Beanie - while I'm glad the watch is working as it should I really wish it wasn't having to....🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
Hope you’re feeling better today 🍫🍹virtual chocolate and raspberry gin 👍January spends - £587.585
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Hoping you are not as scunnered today .Life is an adventure, never stop exploring.5
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Every bit as scunnered.
Started crying in the FB.
Not my finest hour.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.7 -
Better out than in Beanie…..big hugsJanuary spends - £587.586
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I am so sorry things are so tough. It's good to reach out for support though.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 29/7/255
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