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Baby steps to mortgage freedom for beanielou.
Comments
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I think you are the last person that could be described as shallow. If it makes you feel comfortable to buy something, then it's fine.beanielou said:I know it very silly but in my head & in reality I do stand out.
I am wobbling in & with two sticks I am noticed.
It's important to me to look as good as I can.
Shallow as it is I have always hidden behind clothes.
I am way better than I was though!
"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 McGee5 -
I agree - we all have occasions we want to look our best for.jwil said:
I think you are the last person that could be described as shallow. If it makes you feel comfortable to buy something, then it's fine.beanielou said:I know it very silly but in my head & in reality I do stand out.
I am wobbling in & with two sticks I am noticed.
It's important to me to look as good as I can.
Shallow as it is I have always hidden behind clothes.
I am way better than I was though!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/254 -
Perfectly understandable, beanie - I hope the dress suits you.2023: the year I get to buy a car4
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jwil said:
I think you are the last person that could be described as shallow. If it makes you feel comfortable to buy something, then it's fine.beanielou said:I know it very silly but in my head & in reality I do stand out.
I am wobbling in & with two sticks I am noticed.
It's important to me to look as good as I can.
Shallow as it is I have always hidden behind clothes.
I am way better than I was though!savingholmes said:
I agree - we all have occasions we want to look our best for.jwil said:
I think you are the last person that could be described as shallow. If it makes you feel comfortable to buy something, then it's fine.beanielou said:I know it very silly but in my head & in reality I do stand out.
I am wobbling in & with two sticks I am noticed.
It's important to me to look as good as I can.
Shallow as it is I have always hidden behind clothes.
I am way better than I was though!
Thank you all.Karmacat said:Perfectly understandable, beanie - I hope the dress suits you.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 -
Sorry to hear about your friend Beanie. Wear what works for you, as others have said it's turning up that's the main thing and the next most important is how whatever you wear makes you feel.(I literally keep separate outfits for funerals, one winter and one summer, as I found otherwise I avoided wearing the everyday clothes I had worn to the funeral because I associated them with the sadness. So I did pick black to be different from my other clothes and cover most bases. But people feel differently about these things.)Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc4 -
Thanks Rosa.
I don't own any dark clothes in the main as dark clothes dont go well with cat hair!
I have been to the supermaket today before physio but unfortunatly fell.
This only being able to buy 32 paracetemal is a real pain as that only lasts 4 days. Bah.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 -
Check with your Pharmacist, the 32 rule relates only to supermarkets etc. I got 100 when I got out of hospital. No questions asked as they knew I was just out, your pharmacist should know you have a need for more.
(I know I'm England but I can't see that being different)3 -
Thank you.peb said:Check with your Pharmacist, the 32 rule relates only to supermarkets etc. I got 100 when I got out of hospital. No questions asked as they knew I was just out, your pharmacist should know you have a need for more.
(I know I'm England but I can't see that being different)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 -
Need to pick your brains lovely readers.
I am looking for a quick & easy way to dispay childrens books outside the shop.
Do any of you have any bright ideas?
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.3 -
Could you G00gle it and go into the images tab for a few ideas?beanielou said:Need to pick your brains lovely readers.
I am looking for a quick & easy way to dispay childrens books outside the shop.
Do any of you have any bright ideas?
ThanksI get knocked down but I get up again (Chumbawamba, Tubthumping)4
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