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Baby steps to mortgage freedom for beanielou.
Comments
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Doing absolutely great thanks. A hip replacement & now walking really well. Back driving, I can't quite run upstairs again yet but it has been a couple of years so I've got my fingers crossed. Hopefully I will never have to do my food shopping on line ever again. The deliveries don't come from my local store & the stuff that is never in stock is just incredible, still it served its purpose.
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Yes, though it will be scuffed by mobility aids by then but SO much much better than it was 😊doingitanyway said:Echoing the others as it will be worth it. All lovely for Christmas
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.4 -
I am loving ‘Your Mum, My Dad.’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 you got the refund.
Great news that the decorating is nearly done. Glad you've invested in something that will bring a smile to your face daily.
@badmemory Glad you are well on the way to recovery.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
If it wasn’t mobility equipment that scuffed it - it would be something else. Walls get scuffed….don’t be too hard on your equipment- it gets you out and keeps you going 👍
It’ll be finished much sooner than I expected 😃January spends - £587.584 -
Beanie Have you got any of these?
Not got to be this brand the Land of Pound had packs of 2 for £1 a couple of weeks ago.
Magic Eraser Sponge, Melamine Cleaning Pad for Kitchen Household Cleaning, Chemical Free Cleaner Pads, Multi Surface Power Scrubber Foam Pads, Wipes Dirt Stain Grime & Marks from Most Surfaces (4) : Amazon.co.uk: Grocery
Just put hot water on and gently rub, it does work most times.If you go down to the woods today you better not go alone.5 -
Thank youGrumpelstiltskin said:Beanie Have you got any of these?
Not got to be this brand the Land of Pound had packs of 2 for £1 a couple of weeks ago.
Magic Eraser Sponge, Melamine Cleaning Pad for Kitchen Household Cleaning, Chemical Free Cleaner Pads, Multi Surface Power Scrubber Foam Pads, Wipes Dirt Stain Grime & Marks from Most Surfaces (4) : Amazon.co.uk: Grocery
Just put hot water on and gently rub, it does work most times.
I have ordered.
I have also gone mad and ordered a new thing for hanging coats on in the hall.
The one that came down was over 30 years old!
The only thing I still need to get at some point is lamp shades (again!!)
The ones that came down were minging!
I am hemorrhaging money at the moment like it is going of fashion.
Oh well.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 -
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 your hallway is now largely done. Giving everything a freshen up will give you a lift. You had the savings - it's okay even good to use them for something like this.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/254 -
I agree with SH plus you can actually see an improvement every time you go past.Mortgage 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 11st 12lb 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 for now.4
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