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Baby steps to mortgage freedom for beanielou.
Comments
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I have been trying to slowly read through your entire diary but realised my slow and steady approach was never going to work as I was still back in 2015!
sorry to hear about your fall. I had a slip at work last week and I don’t know if the physical or psychological damage is worse
m&s biscuit tins light up my world. I have coeliac disease so I can’t eat the biscuits but I love going in and touching them! I think I need to treat myself to one just so the tin can brighten up my kitchen. I am pretty sure the kids will be happy to help deal with the contents!
Total Debt May 21 £20,490.44 DEBT FREE DATE 29/7/22
Mortgage balance May 21 £177,096.19. Now £143,070.41
Mortgage free date. At start of sole mortgage = July 2042
2024 SAVINGS FOCUS - get rid of the car finance. £12,706.25 PAID OFF
2025 Savings Focus - 33.3/33.3/33.3 split; savings for house renovations (bathrooms/garden/kitchen; whichever collapses first), save for a family holiday (probably our last one!) and paydown/offset the mortgage. Total pot = £4238.564 -
Sorry to hear about your slip at work.Tiredbutdetermined said:I have been trying to slowly read through your entire diary but realised my slow and steady approach was never going to work as I was still back in 2015!
sorry to hear about your fall. I had a slip at work last week and I don’t know if the physical or psychological damage is worse
m&s biscuit tins light up my world. I have coeliac disease so I can’t eat the biscuits but I love going in and touching them! I think I need to treat myself to one just so the tin can brighten up my kitchen. I am pretty sure the kids will be happy to help deal with the contents!Both physically & physiological falls are hard.Some worse than others.I am definitely going to have a light up tin for myself. I am worth it!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 -
Some help needed MSE’ers.Looking for a really cosy zip up hoodie.Any idea’s ?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 -
Not sure if there’s any zip up hoodies in the ladies dept of MandS but I was looking at a fur lined mans one yesterday. They were £50Ish though. I’d have worn it even though in the men’s dept. I was also admiring the light up tinsJanuary spends - £587.584
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Beanie I only do the cheaper end of the market, there are some on here.
Women's Hoodies & Sweatshirts - Black, Oversized & Zip Up – Matalan
If you go down to the woods today you better not go alone.4 -
You still volunteer a lot more than most, so try not to feel bad.
You are definitely worth a light up biscuit tin, and thanks for the info, because that sounds right up the street for a gift for someone I know as well
I bought a zip up hoodie from Lidl the other year. I noticed the other day they had something similar in."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 McGee3 -
I bought one of those light up tins last year. They’re definitely worth it. Also bought a Halloween one last year still working this year. I bought a light up hot chocolate one this year for DIL as part of her Christmas present.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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I got a grey [they had other colours] zip up hoodie from George @ Asd@ recently for £10. Lovely and warm so got a second one 4
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Thanks 😊milann said:Not sure if there’s any zip up hoodies in the ladies dept of MandS but I was looking at a fur lined mans one yesterday. They were £50Ish though. I’d have worn it even though in the men’s dept. I was also admiring the light up tins
Will have a look.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 -
Thanks everyone.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
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