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Baby steps to mortgage freedom for beanielou.
Comments
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So good that you could help. Glad that things are better in your world. Take care3
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Just to OP wee amounts as I can.LadyWithAPlan said:I need a house fairy....
Do you have a plan to OP the not yours debt? How lovely of you to help.
Happy new 2024!It’s my debt now!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.Seasidegal58 said:Hope you feel better beanie, but glad to read you feel more settled.Yes, I was really unsettled but hopefully that has passed.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 -
Nice to hear you are feeling a bit better.Mortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Glad you are feeling better and well done on the overpayment
"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 McGee2 -
skint_spice said:Nice to hear you are feeling a bit better.
Thank you ☺️jwil said:Glad you are feeling better and well done on the overpaymentI 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 -
Random question of the day!Where do you keep your everyday handbags?Mine are all hanging on the side of one of the kitchen chairs.Any better ideas?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 -
It’s so lovely to hear you feeling more settled. You have done the right thing as it’s obviously made you feel better. Don’t dwell on the figures….just do what you’ve always done and keep plodding on paying what you can. It surprising how quickly little overpayments make a difference.
I’m pleased you’ve given up the charity shop. Make 2024 the year to put yourself in the forefront of your thoughts and actions 👍
I tend to only use one handbag….I can’t be bothered with the faff of changing things about, but I had a big open topped box in the bottom of my wardrobe and if I do swap bags - that’s where they are….makes it easy.January spends - £587.584 -
I mostly use a rucksack, and it's usually found next to my desk, or by the kitchen table, or by the sofa 🙄 In short, it doesn't have a place, and is often in the way - I'll be reading other people's solutions with interest! 😂beanielou said:Random question of the day!Where do you keep your everyday handbags?Mine are all hanging on the side of one of the kitchen chairs.Any better ideas?
Glad you're feeling more settled now Beanie xx4 -
I usually swap between two daily different colour handbags depending on what I’m wearing when I go out. As it’s winter, at the moment I’m using one black leather tote and one of tan leather. I keep these hung up on the coat rack in my hall and can easily swap bits over. Other handbags are kept on a shelf in my wardrobe for when I need them.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4
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