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Baby steps to mortgage freedom for beanielou.
Comments
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Couldn’t sleep.Bank checked.Money is showing as back & pending incoming payments showing up for tomorrow.So all much better on the money front.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.7 -
Glad your monies have ‘reappeared’! 😊 I can imagine that was flipping worrying!beanielou said:I have asked my DS for a list but know he is very busy with skool.
LOts of other things going on in the background too.
Physio was only not good as it was sore & I am a wimp.I don’t think you’re a wimp. Re the pain levels, did you tell the physio? I sometimes think that physio that is really painful like that is counterproductive as I think my body goes into a kind of tight, protective shock. The anticipation of that happening again means that I ´tighten up’ / ´flinch’ before I go into the next session and it’s even worse. I found that asking the physio to slow down, give me short breaks between touch points and not aim to achieve so much, helped as I felt more in control and so my body felt safer, which in turn allowed me to relax and then my physio could do more, iyswim. I also think the amount of physio we can take in warmer weather and colder weather varies too. We are retreating and hibernating at this time of year - being physically exposed and pummelled is not something very compatible with this time of year! 😉
KKAs 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.7 -
You are most definitely not a wimp!
Glad the banks are looking better. The FD chat has been useful as mine matures next month I think, so at least I know what to expect now!
Hope you have a good day today."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 McGee5 -
Been wracking my not very productive brain. What Is FD 🤷🏻♀️🤷🏻♀️🤷🏻♀️🤷🏻♀️You most certainly are not a whimp Mrs B.Hope the patches work for you. Got to be better than putting your tummy through the ordeals of tablets. I’m convinced that’s what gave me my tummy problems.
Son’s are the absolute worse to buy for……followed very closely by my Dh and any other male on the planet. I gave up and bought mine a hoodie yesterday…..not sure if he’ll like it but I’ve got a gift receipt 😂😂😂January spends - £587.584 -
First Direct milann!
I am tackling some wrapping & loosing the will to live!!!
Why do we do this to ourselves!!!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 -
I hate wrapping. But little kids especially like plentiful presents and don't care what they cost - but that results in more wrapping for not a lot spent...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 10/10/253 -
I just shove things in a gift bag then scrunch a bit of tissue paper on top. Job done 👍I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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Good idea SA.
I am doing the gift bag for our night out on Friday.
I am short of a pair of socks!
One person does not like chocolate & I have subsitutted that with a wee hand cream.
I am one thing short for someone 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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.4 -
My Christmas bonus from the DWP was paid today. A whole £10. I can hardly contain my excitement.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.6 -
What a thrilling treat Beanie!
I switched to fabric gift bags a couple of years ago. I did make them all though, which might not be an option for you, but now it is SO much easier to just put things in, and I can swap and change to make sure I'm using the most efficient one for size.
Might need to make a few more this year though, need to get on the case!4
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