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Baby steps to mortgage freedom for beanielou.
Comments
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That's a fabulous intro
Hope you are feeling a bit better now."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 -
well done beanieIf 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) 25/0720255 -
Still not at my best jwil~~whatever that is these days!jwil said:That's a fabulous intro
Hope you are feeling a bit better now.doingitanyway said:well done beanie
Thank you both.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 double checked on delivery. Icel...? C00p even deliver around here... Even if you can't get main supermarkets.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/253 -
Love meet The Ambassadors 👏👏👏👏
Sorry you’re struggling. Hope the rest and painkillers helped 🤞January spends - £587.584 -
Iceland dont really sell what I want & the coop dont deliver here.savingholmes said:Have you double checked on delivery. Icel...? C00p even deliver around here... Even if you can't get main supermarkets.
Thanks though.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 -
Thanks.milann said:Love meet The Ambassadors 👏👏👏👏
Sorry you’re struggling. Hope the rest and painkillers helped 🤞
Cant wait for physio tomorrow.
Got accapuncture Thursday.
POsitive vibes please.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 -
Positive vibes beanie for today and tomorrow from me. I have been in the land of sleepless nights and pain for weeks and regret thinking doing a large order for groceries and other things needed on the Big River site was a good idea. Some of it went well but some didn't I was up at the crack of dawn each day on courier watch. Some things arrived some didn't a few couriers lied on their feedback and I began to regret doing it in the first place.I was so tired not sleeping and in pain I cancelled the last few things I'd ordered . I didn't sleep again last night but now have some pain relief and hopefully witl soon get back to a nights sleep once they kick in.I hope things improve for you asap and you get some respite from pain falls and everything else.pollyxIt is better to light a single candle than to curse the darkness.
There but for fortune go you and I.4 -
Great to see your bio in Meet The Ambassadors! You're a star, beanie, though I know you don't feel like it.2023: the year I get to buy a car3
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Thank you polly xxpollyanna_26 said:Positive vibes beanie for today and tomorrow from me. I have been in the land of sleepless nights and pain for weeks and regret thinking doing a large order for groceries and other things needed on the Big River site was a good idea. Some of it went well but some didn't I was up at the crack of dawn each day on courier watch. Some things arrived some didn't a few couriers lied on their feedback and I began to regret doing it in the first place.I was so tired not sleeping and in pain I cancelled the last few things I'd ordered . I didn't sleep again last night but now have some pain relief and hopefully witl soon get back to a nights sleep once they kick in.I hope things improve for you asap and you get some respite from pain falls and everything else.pollyx
I know you 'get' it xxI 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
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