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Baby steps to mortgage freedom for beanielou.

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Comments

  • skint_spice
    skint_spice Posts: 13,480 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I was going to say nothing worse than a rubbish shower but no shower is much worse! Glad you are enjoying your new shower.
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 96,149 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    A good shower makes everything so much better! 

    All sounding lovely Beanie XXX 
    Thanks Buffster.
    Hope all well with you.
    Can't believe B starts on Monday xxx
    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.
  • beanielou
    beanielou Posts: 96,149 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news Beanie 

    lucielle said:
    All sounding excellent in the Beanie hoose!  
    L
    Thank you both. 
    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.
  • beanielou
    beanielou Posts: 96,149 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    My kindle is dying which is not the best as I use it a lot.
    It keeps needing charged & needing force started.
    I have looked at them on the river shop but I am cofuddled.
    Ordinary, paperwhite, oasis........!!
    Any thoughts? 
    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.
  • Kindles from when I've been  looking:

    Ordinary: does everything a paperwhite from 10 years ago does (ie has the frontlight). Not waterproof. 

    Paperwhite: has a bit more storage available. Waterproof. Slightly bigger screen, slightly faster. Audible integration. Longer battery life (longest of the lot). Has a fancy more expensive version too that gives you wireless charging, more storage, automatic brightness adjustment.

    Both the basic paperwhite and basic kindle have an ad-version and a no-ad version that are about £10 apart in price.

    Oasis: Has the fancy bits the paperwhite does (waterproof, audible), but a bigger screen, is more waterproof, warm light (reduced blue light for your eyes), less battery life than the paperwhite (because it uses more power). Doesn't have a headphone jack so if you want to listen to Audible you'll need wireless headphones ( this is also true of the paperwhite).

    Scribe: you can add notes to things, so probably only worth it if you want or need to do that.

    I think it depends on what you want/need - waterproof, warm light instead of blue etc.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • jwil
    jwil Posts: 22,259 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Which one have you got?  I went for the ordinary one when I needed to replace my old keyboard one.  It's fine and I'm happy with it, but I do miss the page turn buttons I used to have.  I can access audible through it but it doesn't have a headphone jack so you need bluetooth headphones.  It is small which is great for carrying around but I often use the kindle app on my ipad when I'm at home for the bigger screen.

    If you are considering that option and would want to buy a cover etc, check out the kids versions.  It's exactly the same, and can work out cheaper (and you get extra no quibble guarantee).
    "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 McGee
  • doingitanyway
    doingitanyway Posts: 10,190 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Lovely to hear you are enjoying your new shower  :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • beanielou
    beanielou Posts: 96,149 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    edited 13 August 2023 at 8:09PM
    Thanks so much @Merlin's_Beard for your really helpful post.
    Appreciated  :)
    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.
  • beanielou
    beanielou Posts: 96,149 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    edited 13 August 2023 at 8:12PM
    jwil said:
    Which one have you got?  I went for the ordinary one when I needed to replace my old keyboard one.  It's fine and I'm happy with it, but I do miss the page turn buttons I used to have.  I can access audible through it but it doesn't have a headphone jack so you need bluetooth headphones.  It is small which is great for carrying around but I often use the kindle app on my ipad when I'm at home for the bigger screen.

    If you are considering that option and would want to buy a cover etc, check out the kids versions.  It's exactly the same, and can work out cheaper (and you get extra no quibble guarantee).
    Thanks @j@jwil
    I did not know about the kids one~~I had wondered about the kids one.

    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.
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