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Baby steps to mortgage freedom for beanielou.
Comments
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Oh I will have a look, thank you!beanielou said:
I got it from good old ebay!jwil said:Oh I love that, where is it from? I reckon my cat would like it"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 -
Well done on the decluttering and cleaning!
We've got rid of a pet bed this weekend as well. It's such a shame, but they just won't use it so it's just gathering dust here. We bought a really lovely wicker 'cave' style bed for the cats years ago. It wasn't cheap but it was lovely. Neither of the cats would touch it! We eventually sold it on again, for a fraction of what we spent!"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 McGee4 -
Good idea, thanks.Sun_Addict said:I had a lovely cat bed neither of mine would use so gave it to the charity shop. A cat rescue would probably take it off your hands. Isn’t it annoying when they won’t use things you buy them.
I have just popped it on local helping hands page meantime & if it doesent go the cat rescue it is.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.5 -
Blooming PITA!jwil said:Well done on the decluttering and cleaning!
We've got rid of a pet bed this weekend as well. It's such a shame, but they just won't use it so it's just gathering dust here. We bought a really lovely wicker 'cave' style bed for the cats years ago. It wasn't cheap but it was lovely. Neither of the cats would touch it! We eventually sold it on again, for a fraction of what we spent!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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.4 -
Happy Valley soon!!!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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.3 -
Whoop just watching Call the Midwife!!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 #1243 -
Good this week!!lucielle said:Whoop just watching Call the Midwife!!LI 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.3 -
You've been busy sorting out your home. Well done and have a good week Beanie
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20256 -
Love Miss S bed….she looks very snug 😻
Windows I use vinegar and washing up liquid and wipe over the frames at the same time. I use diluted bleach for stubborn stuff. I have to admit to being lazy and getting the window cleaner to do inside downstairs for me these days though.January spends - £587.585 -
That looks lovely... the cat house - will look out for one.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/264
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