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Baby steps to mortgage freedom for beanielou.
Comments
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I hope those feelings have passed. You have made such a positive difference to so many lives."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 hope you feel more positive today. I try not to think too much about things but sometimes have a bit of a wallow. Give those beautiful cats a fuss and hopefully they’ll cheer you up. Sending hugs xI get knocked down but I get up again (Chumbawamba, Tubthumping)4
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It's really hard when your head is stuck in a doom spiral. One of the only ways I can shift it when it happens to me (as well as continuing to take medication) is to blast myself with positive thinking stuff on utube or get creative. What lights you up and brings you joy? Perhaps you need to let yourself play again...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 13/9/253 -
I need to get out of this.It has all been triggered by an event that is not happening for some time but will include people that really really don’t like me.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 -
If it’s causing you this much angst do you have to go? If you have to go can you take somebody with you for moral support?
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1246 -
Sorry about that. I agree, assuming it's not possible to avoid, will you be able to have someone with you?"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 McGee3
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I wouldn’t go. Do you really have to? Is it involving a wedding, the usual cause of this type of stress?I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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Don’t let the folk who don’t like you get to you. There is nothing you can do to change them. Focus on those who do You are an amazing lady who does a lot for many peopleJanuary spends - £587.584
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Been to optician today so new glasses soon. Not quite as expensive as I thought so that was good.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
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