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Baby steps to mortgage freedom for beanielou.
Comments
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ππΉππΉππΉππΉππΉskint_spice said:I saw an advert for the chocolate haggis and thought of you πI 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 -
I have an appointment with my GP which is good for tomorrow. However we still have blooming snow. Β I donβt know what to do to be honest.ΒI 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 -
Can you ask for the appointment to be by phone if it is to discuss medication? That seems reasonable to me - and is a bit of a default where I live...ΒAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£169.8K Equity 37.1%
2) Β£1.3K Net savings after CCs 16/1/26 (but owed Β£1.1K) so Β£2.4K
3) Mortgage neutral by 06/30 (AVC Β£34.8K + Lump Sums DB Β£4.6K + (25% of SIPP 1.3K) = 40.6/Β£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum Β£15.8/30K 52.67%)
5) SIPP Β£5.2K updated 16/1/262 -
No, it's to have an injection in my shoulder.savingholmes said:Can you ask for the appointment to be by phone if it is to discuss medication? That seems reasonable to me - and is a bit of a default where I live...ΒI 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 -
Ah. Is a taxi an option? It might be more expensive but at least it should be easier with someone else taking you door to door.beanielou said:
No, it's to have an injection in my shoulder.savingholmes said:Can you ask for the appointment to be by phone if it is to discuss medication? That seems reasonable to me - and is a bit of a default where I live...ΒAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£169.8K Equity 37.1%
2) Β£1.3K Net savings after CCs 16/1/26 (but owed Β£1.1K) so Β£2.4K
3) Mortgage neutral by 06/30 (AVC Β£34.8K + Lump Sums DB Β£4.6K + (25% of SIPP 1.3K) = 40.6/Β£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum Β£15.8/30K 52.67%)
5) SIPP Β£5.2K updated 16/1/262 -
If you cancel how long will you have to wait?ΒCould anyone give you a lift?I fully understand you not wanting to go out in the white stuffβ¦..I didnβt leave the house yesterday when we had it here. Thankfully it went as quickly as it arrivedβ¦.just the way I like it as I do think it looks pretty from inside when you donβt have to walk in it.ΒYouβll have to see how it is in the morning and decide if you want to take the risk.ΒWhat do the cats think of the snow?January spends - Β£587.584
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I did think of that but there is only one taxi firm & the time ties in with school closing.savingholmes said:
Ah. Is a taxi an option? It might be more expensive but at least it should be easier with someone else taking you door to door.beanielou said:
No, it's to have an injection in my shoulder.savingholmes said:Can you ask for the appointment to be by phone if it is to discuss medication? That seems reasonable to me - and is a bit of a default where I live...ΒI 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 -
Am pondering.milann said:If you cancel how long will you have to wait?ΒCould anyone give you a lift?I fully understand you not wanting to go out in the white stuffβ¦..I didnβt leave the house yesterday when we had it here. Thankfully it went as quickly as it arrivedβ¦.just the way I like it as I do think it looks pretty from inside when you donβt have to walk in it.ΒYouβll have to see how it is in the morning and decide if you want to take the risk.ΒWhat do the cats think of the snow?
The cats don't seem bothered by the white stuff at all.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 -
We have hailstones covering the ground here and madam was not keen at allπMortgage OP 2026 Β£350/2000Mortgage OP 2025 Β£7700/7000Mortgage OP 2024 Β£7700/7000
Mortgage balance: Β£32,990
Make Β£50 a month Jan Β£20
Boiler fund Β£1225/3000
βDo what others wonβt early in life so you can do what others canβt later in lifeβ (stolen from Gally Girl)4 -
Is it possible to ring the surgery and see if they can swap your time given the circumstances? Or even if someone can pop round to the house?? I realise it might be unlikely but you don't want to do yourself a mischief xx4
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