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Baby steps to mortgage freedom for beanielou.

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Comments

  • doingitanyway
    doingitanyway Posts: 10,160 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Happy weekend. Hope the sun shines in your part of the world today  :)
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hope you are feeling better Beanie. 

    Re animal hair, I use the hoover pet attachment with blanket spread over a sofa, but it never gets everything so lint roller is usual too.  Then I clear the washing machine filter and wipe the glass front so what came off the last load doesn't get spread over the next one!
    Grooming gloves are great, even my very ticklish dog who hates brushes doesn't mind the glove.  And they were cheap in B&M so no need to look for pet shop version. 
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • beanielou
    beanielou Posts: 96,073 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks everyone.
    No TD here.

    LOvely day yesterday & today weather wise.
    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.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Glad you've had a good day, beanie, it really is beautiful all over the country, I think.
    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 96,073 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Karmacat said:
    Glad you've had a good day, beanie, it really is beautiful all over the country, I think.
    Thanks  :)
    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.
  • milann
    milann Posts: 11,444 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Don’t go using all your nice weather quota…..I need is nice for the end of June 🤞😂
    January spends - £587.58
  • beanielou
    beanielou Posts: 96,073 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So the lady who does my bits & pieces has had to give up.
    Think I will really struggle to get someone else as this has to go through the books & if people already work then it's taxed.  Otherwise people want cash in hand .
    Scunnered.

    Also does anyone know about a company called Brookdale receiving refunds from HMRC? 
    My maw got this weird letter from HMRC saying a refund would be sent to Brookdale which we both think is a wee bit odd.
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,229 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    So the lady who does my bits & pieces has had to give up.
    Think I will really struggle to get someone else as this has to go through the books & if people already work then it's taxed.  Otherwise people want cash in hand .
    Scunnered.

    Also does anyone know about a company called Brookdale receiving refunds from HMRC? 
    My maw got this weird letter from HMRC saying a refund would be sent to Brookdale which we both think is a wee bit odd.
    Be very very wary there are a lot of unscrupulous repayment agents out there 😡
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 96,073 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    So the lady who does my bits & pieces has had to give up.
    Think I will really struggle to get someone else as this has to go through the books & if people already work then it's taxed.  Otherwise people want cash in hand .
    Scunnered.

    Also does anyone know about a company called Brookdale receiving refunds from HMRC? 
    My maw got this weird letter from HMRC saying a refund would be sent to Brookdale which we both think is a wee bit odd.
    Be very very wary there are a lot of unscrupulous repayment agents out there 😡
    WE have decided that she should ignore it.
    Very very weird.
    The amount of details in the letter from HMRC are quite scary 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.
  • Sun_Addict
    Sun_Addict Posts: 24,229 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:

    So the lady who does my bits & pieces has had to give up.
    Think I will really struggle to get someone else as this has to go through the books & if people already work then it's taxed.  Otherwise people want cash in hand .
    Scunnered.

    Also does anyone know about a company called Brookdale receiving refunds from HMRC? 
    My maw got this weird letter from HMRC saying a refund would be sent to Brookdale which we both think is a wee bit odd.
    Be very very wary there are a lot of unscrupulous repayment agents out there 😡
    WE have decided that she should ignore it.
    Very very weird.
    The amount of details in the letter from HMRC are quite scary though.
    Will send you a PM.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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