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Baby steps to mortgage freedom for beanielou.
Comments
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Agree with EH, Beanie. Life is for living not existing.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 -
Hope all is well in Beanieland.
I was thinking about you today. I was in town and there was a lady on a mobility scooter with another lady standing on the scooter somehow balancing at the side 😳 looked a tad dangerous and they weren’t spring chickens either…..no idea how they managed it as they were going at some speed and both chuckling away 😂😂 Next time I visit Scotland we can replicate 😂😂😂😂😂…..we’d end up in a heap somewhere 😵💫😳😵💫January spends - £587.585 -
I am sure he would!EssexHebridean said:I just bet if you told DS you were compromising on things that would give you better quality of life now to avoid spending money that will help him in the longer term he's tell you to stop it immediately and spend on the happy stuff! (I know I would if it were my parent anyway - and I'm pretty certain you've brought him up as a decent human!)
Funnily enough I saw him this evening & told him I had taken money out of the funeral pot & he was not bothered in the slightest!
Only 3 weeks til he starts~~time flying in.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 -
WE certainly wouldmilann said:Hope all is well in Beanieland.
I was thinking about you today. I was in town and there was a lady on a mobility scooter with another lady standing on the scooter somehow balancing at the side 😳 looked a tad dangerous and they weren’t spring chickens either…..no idea how they managed it as they were going at some speed and both chuckling away 😂😂 Next time I visit Scotland we can replicate 😂😂😂😂😂…..we’d end up in a heap somewhere 😵💫😳😵💫
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 -
So am actually am feeling easier.
I did not realise it was weighing on my mind.
DS has always known I have no money so nothing has changed.
We had a nice wee evening being cheeky to each other in a way only close family can!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.9 -
That sounds lovely Beanie.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 13/9/252 -
So pleased about thisbeanielou said:So am actually am feeling easier.
I did not realise it was weighing on my mind.
DS has always known I have no money so nothing has changed.
We had a nice wee evening being cheeky to each other in a way only close family can! "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 -
It’s really lovely to hear your last post Beanie 👍👍January spends - £587.584
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Cheeky family in-jokes are a wonderful thing 🤗2023: the year I get to buy a car4
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This is one of the loveliest posts I've seen on these boards in a long while - fantastic!beanielou said:So am actually am feeling easier.
I did not realise it was weighing on my mind.
DS has always known I have no money so nothing has changed.
We had a nice wee evening being cheeky to each other in a way only close family can!
xx🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3
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