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Baby steps to mortgage freedom for beanielou.

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Comments

  • milann
    milann Posts: 11,524 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Am I the only one still feeling really hot at night - I’m still throwing the covers off 😳
    It is horrible feeling dependent so I feel your pain Beanie and Badmemory. Thankfully other than opening jars and reaching things I’m doing ok these days but I remember the early days each time after coming out of hospital… 
    January spends - £587.58
  • KajiKita
    KajiKita Posts: 8,518 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hoping today is restorative for you (after yesterday, however it turned out). 

    KK x
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 60 books of target 52 in 2025, as @ 30th October 
    Produce tracker: £426 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Sun_Addict
    Sun_Addict Posts: 24,448 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sometimes you just need a PJ day 🙂 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • KajiKita
    KajiKita Posts: 8,518 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sending hugs. Glad you survived. Onwards and upwards x


    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 60 books of target 52 in 2025, as @ 30th October 
    Produce tracker: £426 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Hope you enjoyed your PJ day and are feeling better,

    Well done on all that weight loss btw! amazing 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • beanielou
    beanielou Posts: 96,766 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    LadyWithAPlan said:
    Hope you enjoyed your PJ day and are feeling better,

    Well done on all that weight loss btw! amazing 
    Thank you 😊 
    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.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad that's behind you. Hope things calm down. 
    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 10/10/25
  • jwil
    jwil Posts: 22,513 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel better after your PJ day.
    "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
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