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Baby steps to mortgage freedom for beanielou.
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I like veggie pasta but it depends what's in your store cupboard. You could perhaps try the mse store cupboard challenge? They will give you suggestions if you list what you have in.
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 -
Just been watching Mayflies.
Fantastic Scottish talent in the actors.
Very very thought provoking.
It's the forth for me.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 -
Haven’t watched Mayflies yet but it’s on my list to watch. We’re ploughing through Happy Valley as we’d never watched any of them. We also watched a film on Disney last night - very strange…..The Banshee of Inisherin. I don’t know what I expected but it wasn’t what I saw 😏January spends - £587.585
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milann said:Haven’t watched Mayflies yet but it’s on my list to watch. We’re ploughing through Happy Valley as we’d never watched any of them. We also watched a film on Disney last night - very strange…..The Banshee of Inisherin. I don’t know what I expected but it wasn’t what I saw 😏6
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Love Happy Valley, shame it’s the last season.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1245 -
Well it is late on a Saturday night & I am reflecting on my life. Not the best thing to do I am sure.
How did I get here?
Can hardly walk
Cant always afford the heating on
Counting every penny
No meaningful relationship
This is what comes of watching Rod Stewart & then the end of the Freddie Mercury film.
No I have not been drinking, I am just pondering how much my life has changed & I cannot quite work out how I got from there to here & how this is my reality.
I don't even think I am sure what I am trying to articulate.
I just feel such sadness & a abject failure.
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.9 -
I think most of us do this from time to time, I know I do. I see people living the sort of life I want to lead and wonder why I pulled the short straw. Then I think about the positive things, not that there are many, but I can usually come up with a couple. Then I think what it must be like for people such as those living in war torn countries such as Ukraine. After that I realise I’m luckier than I think, dust myself off and battle on.
Big hugs Beanie, hope you feel more positive today xx
I watched Rod too, well up until around 10pm.I get knocked down but I get up again (Chumbawamba, Tubthumping)8 -
beanielou said:Just been watching Mayflies.
Fantastic Scottish talent in the actors.
Very very thought provoking.
It's the forth for me.
I then researched how much it costs to go to Dignitas.
Beanie, I too have moments like that, how did I get here, why am I alone, why did it take so long to sort out my relationship with money...
I am so sorry about your lack of mobility.3-month emergency fund (Cash ISA & PBs): £4744/ £6,000
Stocks and shares ISA: £1497
Additional pension contributions £0
Overpayment on mortgage: £0
Big Renno..£07 -
Sorry to hear you are feeling down Beanie, I realise you probably mean a relationship with a significant other but your support means a lot to many of us.
I hope things look brighter 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)6 -
Sounds like the sort of introspection we all get from time to time there Beanie - I try to go with the flow on it, accept that sometimes we all have those feelings of “it’s just me, my life is all wrong” but know from experience that it will fade and I’ll return to appreciating what I have soon enough. I’m not one for the “you must count your blessings” approach I have to say - to me that’s too much like telling someone they shouldn’t be feeling depressed - not the case at all, we feel what we feel!Echoing what Skinty says about how supportive you are to so many on here too, although also understanding what you mean!🎉 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/her7
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