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Baby steps to mortgage freedom for beanielou.
Comments
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Thank you.KajiKita said:Finally caught up (haven’t read every post since 2015 but randomly, the last three years or so) so feel I can comment now 😊
I had a nana-nap this afternoon before going out and working in the garden later. Mr KK fell asleep in the garden. It’s summer - are we not allowed some downtime at this time of year? 🤷♀️😉😊 Plus, I suspect you might still be recovering from the additional tension / stress that the PIP application caused you? Rest is allowed 😊
KK
Yes, the PIP thing certainly look it out of me it has to be saidI 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.3 -
Here’s to today being a good day 😊
Looks like we should get some nice weather everywhere at least.KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
I've seen the Temu ads and thought they do some interesting bits and bobs - but also felt quite firmly that some of it looked too good to be true - sounds like I was right then! (And don't even get me started on the "personal item" I saw them advertising on Tw1tter a while ago - let's just say that plugs are for sinks IMO, and not something I want to be sitting on, even if they are crafted in as part of an undergarment...
(yes - I was a tad taken aback, too!) 🎉 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
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her6 -
Snoozes are good
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
The undergarment sounds ……innnnteresting 😳😂😳😂😳😂
I was getting lots of adverts from Temu but have now blocked it. I don’t need temptation in my life.
Beanie if you need rest - then rest. Do you fall more when you’re tired ?January spends - £587.586 -
😂😂 Certainly not something I'd want to be confronted with while scrolling social media on the bus 😂EssexHebridean said:I've seen the Temu ads and thought they do some interesting bits and bobs - but also felt quite firmly that some of it looked too good to be true - sounds like I was right then! (And don't even get me started on the "personal item" I saw them advertising on Tw1tter a while ago - let's just say that plugs are for sinks IMO, and not something I want to be sitting on, even if they are crafted in as part of an undergarment... (yes - I was a tad taken aback, too!) 6 -
Oh.My.Goodness.EssexHebridean said:I've seen the Temu ads and thought they do some interesting bits and bobs - but also felt quite firmly that some of it looked too good to be true - sounds like I was right then! (And don't even get me started on the "personal item" I saw them advertising on Tw1tter a while ago - let's just say that plugs are for sinks IMO, and not something I want to be sitting on, even if they are crafted in as part of an undergarment... (yes - I was a tad taken aback, too!) 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.5 -
Lovely day here.KajiKita said:Here’s to today being a good day 😊
Looks like we should get some nice weather everywhere at least.KK
Dress weather 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.4 -
They are..doingitanyway said:Snoozes are goodI 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.4 -
That is one constant.milann said:The undergarment sounds ……innnnteresting 😳😂😳😂😳😂
I was getting lots of adverts from Temu but have now blocked it. I don’t need temptation in my life.
Beanie if you need rest - then rest. Do you fall more when you’re tired ?
Fall way more when tired.
Which is obviously not great.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.4
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