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Baby steps to mortgage freedom for beanielou.
Comments
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Buffythedebtslayer said:I have been here since 2007 too.
I was in so much debt, a year since my wonderful father had died and I realised how responsible I felt for Mum, she obviously was left devastated by his death and never really recovered. She was in hospital at one point and my sister was no support at all. I was so devastated and shocked, I knew me struggling with debt wasn't good and it was one way I felt in control. I felt so alone.
and then i found you guys and wasn't alone any more XX
skint_spice saidbeanielou said:Tescodealqueen said:Now you made me look too just under 16 years. Can’t remember what first brought me to the forum
Oh yes, and next time you are driving, the Gordons 0% gin with a Fevertree Rhubarb and raspberry tonic is actually rather marvellous, knowing how you are partial to raspberry gin... just sayingSave £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
OS Grocery Challenge in 2025 I am at £2135.07/£3000 or 71.17% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here6 -
I had a notification pop up on my diary the other week - nine years on the MSE forum! Wow! I was originally £33,000 in debt in the January, managed to get it down to £31,000 by the April and then started my own diary after reading all the other wonderful debt free diaries. Was finally debt free in 2016. Again, I have met some wonderful people on here including real life friends now!
Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”6 -
We are just an amazing community here who all support each other.
Have done a wee bit more decluttering today.
Some more reading.
Had a wee snooze.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 -
Time to get back on the SW plan & stop feeling sorry for myself because of the falling.
Really really yearning a new heart cardigan & remembered i had one that I got when DS was wee so real vintage & a MSE win!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 agree. It is an amazing community here
Congrats on your vintage cardieIf 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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
I am thinking about getting my hall painted.
I am thinking about a blue but NO idea what.
Mmmmm.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 -
Coming up for 15 years for me this May. Amazing how many of the same people have been here for so long - it always makes me smile when folk on other boards say it's "just another forum" because it's so much more than that, once you dig beneath the surface.
🎉 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/her6 -
Perhaps get some blue paint testers beanie. Have a look on Pinterest for ideas. Type in something like 'blue hallways' in the search bit. You'll be amazed at all the ideas that pop up!😀👍Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”5 -
Seasidegal58 said:Perhaps get some blue paint testers beanie. Have a look on Pinterest for ideas. Type in something like 'blue hallways' in the search bit. You'll be amazed at all the ideas that pop up!😀👍
I had a blue I loved about 20 years ago & it was painted that colour 3 times.
Sadly I can now no record or note of what it was.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 -
Have you got any photos of the hall while painted blue so you can try and match it?
I'm another that's been on the forum since 2008. You have all been lifesavers... in so many ways... not just over money.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 29/7/253
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