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Baby steps to mortgage freedom for beanielou.
Comments
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The sound bathing tonight was amazing.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.[/b] [11 months left.[/b]5 -
Sound bathing is one of the most powerful things to do 😊❤️
I love it …. Haven’t been to one for aaages ….
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 75 books of target 52 in 2026 as @ 21st October.
Produce tracker: £348 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 -
Brilliant news about the delivery and the win. Sound bathing sounds great.
Well done on being organised for Christmas, I'm getting there! My parcel arrived yesterday, I haven't opened it yet. The light up tins are allocated for people. I'm worried I'll have to buy more for me
"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 -
Given you’ve found a delivery that works, should you book a Christmas slot now?June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest3 -
This was my first time & hopefully not my last.KajiKita said:Sound bathing is one of the most powerful things to do 😊❤️
I love it …. Haven’t been to one for aaages ….
KKI 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.[/b] [11 months left.[/b]4 -
I love the tins.jwil said:Brilliant news about the delivery and the win. Sound bathing sounds great.
Well done on being organised for Christmas, I'm getting there! My parcel arrived yesterday, I haven't opened it yet. The light up tins are allocated for people. I'm worried I'll have to buy more for me Will see where I am with them once my parcel arrives tomorrow.I need to find my list.I have cut out more minders to children I hardly ever see & who get so much stuff it’s actually obscene.It’s 2 degrees here today so it’s cold 🥶 oh so cold.I managed without the heating yesterday but certainly won’t today.Miss S is off to vet later & I forgot to budget for it.What a twit.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.[/b] [11 months left.[/b]4 -
That's wonderful about the deliveries - how great to find something so small like that but that can make such a huge difference to quality of life!
Best not tell Miss S about the vets - she will be voluntarily back in the wardrobe! 🎉 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 at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00 at 31/12/25 = £ 91,100.00
Balance as at 31/08/26 = £ 84,500.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Being so pleased at the deliveries is totally understandable for me, beanie - when I was really badly ill, even sitting at the computer placing the order was tiring - I don't know what would have happened if I'd had to go shopping physicallybeanielou said:So so pleased.It may not make sense to everyone but this is a game changer.
2023: the year I get to buy a car5 -
Miss S was very good. Her new carrier made a big difference as she could see around her.EssexHebridean said:That's wonderful about the deliveries - how great to find something so small like that but that can make such a huge difference to quality of life!
Best not tell Miss S about the vets - she will be voluntarily back in the wardrobe! My friend came & helped to get her in the carrier & in the car.
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.[/b] [11 months left.[/b]4 -
I mean I am really tired now & fell earlier but I have done a lot the last couple of days.Karmacat said:
Being so pleased at the deliveries is totally understandable for me, beanie - when I was really badly ill, even sitting at the computer placing the order was tiring - I don't know what would have happened if I'd had to go shopping physicallybeanielou said:So so pleased.It may not make sense to everyone but this is a game changer. All I still really must do is split up the bread & get some into the freezer.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.[/b] [11 months left.[/b]5
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