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Baby steps to mortgage freedom for beanielou.
Comments
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It is great not having to worry about the tempature being wonky.doingitanyway said:Lovely to hear you are enjoying your new shower
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 -
Good luck with the kindle - I had a Fire one... as that can do the books - but also films and stuff. It depends whether you are likely to drop it or get it wet or how you want to use it. You can buy more rugged covers for it - and like Jwil said the kids versions may come with that. Personally I find the adverts really annoying - so if I bought again would definitely pay extra to have one without.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 -
Can't help at all on the Kindle front I'm afraid - I use the app on my iPad and that works well for me, but I only use it in a reading-emergency* so not often enough to justify an actual kindle.
Great news on the shower and how fab to hear you sounding so upbeat about the house!
*The rare occasion when I find myself away from home without a book. I go to extreme lengths to ensure that this pretty much never happens though!
🎉 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 -
I’m no help with the kindle. Hope you get sorted.January spends - £587.583
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I have passed on my Kindles wishes!
In other news I have had a particularly bad week for heavy falls in the house for some reason.
I am totally scunnered to be honest & apart from all the usual bruises & scrapes I have hurt my knee.
I have spent part of yesterday & today crying for no reason. 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 -
Really sorry to hear that Beanie ,do you find the falls come in groups x5
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I'm so sorry about the falls, I hope you aren't in too much pain, and feel a little better today xx"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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Beanie. Only you thinks that you had no reason to cry. You were hurt and felt bad so you cried. Give yourself the same compassion you give to so many others. Take careMortgage 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 determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.6
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So sorry the falls have been bad, beanie. Adding my healing vibes to everyone else's.2023: the year I get to buy a car3
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Sorry to hear about the falls. No wonder you feel upset, it must be really frustrating for you. Sending gentle hugs xI get knocked down but I get up again (Chumbawamba, Tubthumping)2
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