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Baby steps to mortgage freedom for beanielou.
Comments
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How do you think that will go Beanie?Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30004 -
Not a clue what GHR means
I wish I did. And ooh to a visiting cat - I'm guessing it can be fraught with difficulties? I love looking after my niece's cat, he came here last year (though the cold weather meant it was a pain to keep the living room door open for him). This time, it'll be October, so it'll be fine in that respect. He's a housecat, so no cat or fox politics in my back garden 😺 2023: the year I get to buy a car4 -
I had to google GHR…….then immediately said OF COURSE 😂😂😂January spends - £587.584
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The Scottish starMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.4
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Cat now not coming as my mum is not going due to the train company ban on overtime & there is concern on her being able to get home.
Bah.
Chair yoga today was hard & I could not do it & got a wee bit upset.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.7 -
Hope tomorrow brings a better day for you xMortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30007 -
Hope today is better.
It's hard when plans change too,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 8/5/265 -
Awww….sorry your mums trip has been scuppered and you don’t get your feline lodger.
It’s hard when you can’t manage the chair yoga…..try to focus what you can do. Virtual hugs.January spends - £587.587 -
Thanks everyone.I am amazed that anyone still reads this diary.All I seem to do is moan & groan.The reality of living with a long term disability I suppose.Sorry.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 -
Never apologise, you're amazing & we all care for you and like to support & cheer you on xx
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345
Clear the M&S Card Starting Balance 03.05.26 £600
7
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