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Baby steps to mortgage freedom for beanielou.
Comments
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Ooft Beanie, sorry this has happened. How long until you pay it off?Mortgage OP 2026 £1940/2000Mortgage balance: £29,366
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £54 -
5 years!!skint_spice said:Ooft Beanie, sorry this has happened. How long until you pay it off?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.
One debt remaining. Home improvement loan. 9 months left.5 -
Oh dear, let’s hope you get it finished before then.beanielou said:
5 years!!skint_spice said:Ooft Beanie, sorry this has happened. How long until you pay it off?Mortgage OP 2026 £1940/2000Mortgage balance: £29,366
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £54 -
Hopefully this might mean the family member will need less other support so it will balance up a bit overall.Looking forward to seeing your debt busting ‘muscle’ in action and learning from you 😊
You are a very kind person btw 😊❤️
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 79 books of target 52 in 2026 as @ 1st November.
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 -
You’re a lovely and kind family member. They’re lucky to have you. Sometimes family is more important. I know I’ve done similar in the past and also had help when I had a young family. Glad you found a solution to help…Family First 👍 Don’t beat yourself up….it’s not ideal but you did what you needed to do. 👏👏👏January spends - £587.586
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Sometimes we just need to go with the greater good. Hopefully it’ll mean that you worry less and that’s priceless.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#latest5 -
That's very kind of you x"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
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Thanks everyone.I know I have done the best I can for the current situation & that’s what matters most to me.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.
One debt remaining. Home improvement loan. 9 months left.10 -
Unfortunately we have a lot of snow here today.So I feel marooned.At least a NSD.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.
One debt remaining. Home improvement loan. 9 months left.6 -
I’m glad you feel you’ve done the right thing. We just have loads of rain here, I don’t know which is worse 🙁 Snuggle up with your cats and a good book ☺️I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪5
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