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Baby steps to mortgage freedom for beanielou.
Comments
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Your DS sounds like my DD in terms of difficult to buy for, I always leave hers until last, she can never come up with anything she wants either which is annoying! The bookmark sounds brilliant!I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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I've taken my eye firmly off the ball re Christmas presents this year so I sympathise with you Beanie! How about nice edible stuff for DS if all else fails - at least you would know it would be used!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
Thanks everyone.I have decided not to get anything else for my DS. He is getting a joint present in the morning ( I won’t be there) as well as the electric voucher.I will just give him the bookmark.Changed days!!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 going to give mine some money to go with the bits I’d got them, but after totting up the bits I’d got I’ve decided I’m calling it a day and keeping the cash. They’re all on more money than me. When did I become The Grinch ☺️ Changed times indeed.January spends - £587.584
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Good plan Beanie. I've gone a little overboard this year I feel 😱 I struggle with 3 teenage nephews, I get one something, then feel the others haven't got quite the same, and try to get them all to add up to roughly the same but the total just keeps going up 😱 Need to draw a line!5
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Yes, it is so easy to get carried away!!Cheery_Daff said:Good plan Beanie. I've gone a little overboard this year I feel 😱 I struggle with 3 teenage nephews, I get one something, then feel the others haven't got quite the same, and try to get them all to add up to roughly the same but the total just keeps going up 😱 Need to draw a line!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 find all the teaching books a bit naff to be honest, there is the classic getting the !!!!!! to behave(anything by Sue Cowley really) , I had had teach like a champion recommended on training, but it is expensive, Tom Bennett is meant to be good on behaviour. Tom Sherrington as well - I know you aren't getting him anything else, but they are good books - tell him to look on line for blogs that summarise them for free! XXX
Nevertheless she persisted.6 -
Thanks Buffster xxxI 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 -
Had a lovely lunch today with my maw at our favourite place today.
It was lovely as always.
Her cat is not happy to be on her holidays at all & keeps growling at Miss S!!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 hope your mum’s cat settles soon😂Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5
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