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Baby steps to mortgage freedom for beanielou.
Comments
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I might give the show a go then!Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May
Boiler fund £2085/30004 -
Ahh Beanie it's not on someone throwing their weight around and making you feel bad/putting you under pressure. As someone else said recently - just remember, No is a complete sentence...🎉 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/her4 -
Sorry to hear you're feeling that bad, beanie - looking after yourself is absolutely essential, in the end - like making your hall the way you want it, like refusing to accept other people's toxicity. Sending hugs.2023: the year I get to buy a car4
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Sending a hugIf 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) 25/07/20254 -
Thanks everyone.I think I have made peace with the fact that going forward I will not being doing as I have done up until very recently.Sadly I know that will impact on my seeing less of my DS but my mental wellness has to come first.I haven’t been sleeping well & have been below par.Just to get through the next couple of weeks now.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.6 -
I hope it’s not the big birthday that’s causing all the stress.I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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I believe you have been very good to your DS whilst he was studying. At the end of the day you have to put yourself first as you are important. Hope things work out re the big birthday .Glad you now have a lovely hallway.Life is an adventure, never stop exploring.7
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Oh yes.Sun_Addict said:I hope it’s not the big birthday that’s causing all the stress.
It's not DS.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.3 -
Yes, I have.Sunshine_girl2 said:I believe you have been very good to your DS whilst he was studying. At the end of the day you have to put yourself first as you are important. Hope things work out re the big birthday .Glad you now have a lovely hallway.
It's not DS.
Hall is fab.
LIghtshades next month
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 -
I read that as hail is fab 😅
I'm sorry that what should be a pleasant situation is being the opposite. And yes, you do need to prioritise yourself. Hugs4
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