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Baby steps to mortgage freedom for beanielou.
Comments
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Hope tomorrow is better and that in the meantime your cats bring some comfort.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 -
Don’t be sorry for not being at your best. I hope you feel better soon and the physio kicks in for you.Hope you manage to get somebody to do your jobs fo you.January spends - £587.585
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I hope you start feeling better soon (and get some sleep!) xx"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
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I won a steak pie in a competition so my mum came for tea.
It was lovely even though not what we have chosen on such a hot day.
LOvely local strawberries. Yum.
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.8 -
Well done on the win 👏I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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Well done Beanie!Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May
Boiler fund £2085/30005 -
@sashybo. Thanks again for the recommendation for Vamoosh.
A friend picked it up for me & it worked well on Mr M's blanket.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 -
Well done on the win!"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
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You’re very welcome Beanie. So glad the Vamoosh worked well for you, cat hair in the washing machine is the worst.
Nice to win a steak pie & yum for local strawberries. 😊Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £18,500 Car loan CC 0% BT £3870 CC 0% Holiday flights £1140. Debt Free Diary to try & keep spending in check.4 -
Lovely, tasty win - and shared too. Fab.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 8/5/263
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