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Baby steps to mortgage freedom for beanielou.
Comments
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Just finished the latest Ian Rankin/Rebus.
Now waiting for the new Quintin Jardine/Skinner.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 -
Currently reading this too!beanielou said:Just finished the latest Ian Rankin/Rebus.Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Bittersweet I think.skint_spice said:
Currently reading this too!beanielou said:Just finished the latest Ian Rankin/Rebus.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 -
Just doing a quick catch up. Managed to hurt my ribs on Oct 15th and struggled to move. Rebus is with youngest she gets to read it first. Way back when I was haunting Ian Rankins twitter feed he said he was working on a new Rebus. I preordered that and it seems to have been ages ago until it was delivered . Later he mentioned there will be one more Rebus so I'll be keeping an eye out for that.Did you manage to sort out your jab beanie and your coat?The weather is on the turn here it's been cold and miserable and the falling leaves very soggy.Struggling to function I've been very glad I took myself out to the garage during the heatwave. The only cool place. I defrosted the big chest freezer and picked loads of fruit veg and herbs and cooked a lot of meals from scratch. I haven't been able to cook as in too much pain but have been able to reheat meals in the combi microwave so haven't gone hungry.I've always had a freezer but this big freezer kept us fed when money was tight. I bought it in 2000 when the garage was built .Not expensive just a bigger iceland model than the one I left for the new tenants when I bought this house . The freezer and garden have saved me a fortune over the years. We had power cuts in the past but it holds the cold for 3 or 4 days sometimes longer; It isn't auto defrost so takes longer to deice and there's an alarm in the kitchen to alert me if there is a problem.I seem to have spent a lot of time altering clocks that don't change automatically but they're all done now.pollyx
It is better to light a single candle than to curse the darkness.
There but for fortune go you and I.2 -
Hope your ribs are on the mend soon polly xx
Coat pocket is now cobbled together.
Jab is not happening yet.
I know need to sew a hole in one of my socks!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 -
We haven’t had our booster jabs yet either. They’re making it more difficult this time around with the few and far between places to get it. I bet a lot of people won’t bother.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Good luck with the sewing and the jabAchieve 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 29/7/252 -
I managed to walk straight in and got both my jabs today in town 👍
Hope you get something sorted soon Beanie…..the last thing you want is either covid or flu 👍January spends - £587.583 -
Had the flu one milann.
No walk in's here.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.3 -
Hope you sort the other soon.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 29/7/252
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