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Baby steps to mortgage freedom for beanielou.
Comments
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Sorry to hear this, hope you feel better tomorrow.Life is an adventure, never stop exploring.4
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Owwww ……
(((((((Beanie)))))))) <- gentle, gentle hugs.
KK xAs 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.4 -
Thanks everyone.
I have done nothing except read & have cat cuddles.
I have done a Waitrose order as discovered they actually deliver here!
All essential items~~did not look at anything else.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.5 -
Good you were able to sort a delivery.
Sorry about the fall.
On the light up tins - you could always use bottle lights inside after - I got mine on Am**** or the Bay for an average of £1 each - you can then get batteries for them. There are options where you could put a usb light inside which are a few pound dearer.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 8/5/264 -
I have also discovered that Waitrose delivers into the kitchen. A game changer if all goes to plan.Awake early due to pain.Need to move to get painkillers.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 -
Sorry to hear you're struggling so badly with falls and pain, beanie, that sounds awful.
Supermarket deliveries are amazing! I bought a birthday gift at JL last week, and it's been delivered to my local WR - gives me the chance to really stock up on my tinned butterbeans, the ones I'm addicted to 😂2023: the year I get to buy a car4 -
Sorry to read of another fall Beanie, sending gentle hugs, prayers and positive vibes. Doing nothing except reading and getting cat cuddles sounds like an excellent solution.4
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Karmacat said:Sorry to hear you're struggling so badly with falls and pain, beanie, that sounds awful.
Supermarket deliveries are amazing! I bought a birthday gift at JL last week, and it's been delivered to my local WR - gives me the chance to really stock up on my tinned butterbeans, the ones I'm addicted to 😂
Thank you both.maggiem said:Sorry to read of another fall Beanie, sending gentle hugs, prayers and positive vibes. Doing nothing except reading and getting cat cuddles sounds like an excellent solution.Karmacat said:Sorry to hear you're struggling so badly with falls and pain, beanie, that sounds awful.
Supermarket deliveries are amazing! I bought a birthday gift at JL last week, and it's been delivered to my local WR - gives me the chance to really stock up on my tinned butterbeans, the ones I'm addicted to 😂Still in bed with two cats.No intention of moving.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 -
Sorry you’ve been falling again. Staying in bed with cat cuddles sounds the medicine you need to get better.
The grocery delivery sounds ideal for you 👍
January spends - £587.585 -
I stopped going to the supermarket for groceries shopping years ago!! Always have it delivered. Mr KK and I are so short of time we see it as worth it.KKAs 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.5
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