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Baby steps to mortgage freedom for beanielou.

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Comments

  • badmemory
    badmemory Posts: 10,606 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper
    So sorry you've fallen (again) beanie.  I suppose the good news is you haven't broken anything.  There is nothing quite like bouncing instead of breaking.  Why do I keep thinking always look on the bright side of life!
  • savingholmes
    savingholmes Posts: 29,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The afternoon tea and photos looked lovely. 

    Sorry about your fall. Sounds painful and frustrating. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
    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 £5.4K updated 8/5/26
  • KajiKita
    KajiKita Posts: 10,077 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Hugs for the fall x
    As 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. 
  • Cheery_Daff
    Cheery_Daff Posts: 18,406 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gentle hugs beanie, hope you're not too sore this morning xx
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,271 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    How are you feeling this morning after your fall ? Sending healing vibes to you. Take it easy today . 
    Life is an adventure, never stop exploring.

  • skint_spice
    skint_spice Posts: 13,741 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about your fall, hope you aren’t too sore today 🙏
    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May 
    Boiler fund £2085/3000

  • milann
    milann Posts: 11,761 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Sorry you’ve been hitting the ground again. Hope you’re not too sore and you’re ego is ok. 🤞
    January spends - £587.58
  • lucielle
    lucielle Posts: 11,834 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sending healing hugs x
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • teapot2
    teapot2 Posts: 3,783 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hope you aren't too sore after the fall Beanie.  Wet leaves are a nightmare for slipping on and with the amount of rain we've had recently there are loads out there 😪
  • beanielou
    beanielou Posts: 99,556 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks so much everyone. 
    I am stiff sore & out of sorts today. 
    Another pair of shoes trashed as my feet were dragging as I tried to get up 😢
    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.
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