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Baby steps to mortgage freedom for beanielou.

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Comments

  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Shocking about the cat food.

    Glad the snow has gone and you got a new appointment sorted. 

    The printer situation sounds irritating.

    Hope you get a better night's kip tonight.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • beanielou
    beanielou Posts: 98,052 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sun_Addict said:
    My old boy would only eat Felix and lived to be 21 🙂
    Mr N was 20 😿
    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.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    beanielou said:
    In other news I signed up to a site to review books. However as I am none to bright I cannot work out how to get it onto my kindle. 
    In better news I did manage with many many mutterings to get an app onto my mothers android phone. Oh dear. 
    We are not blessed with technical know how in our family. 
    I'm a fruitphone person and both my folks are androids (not literally). They are in their 70's and 80's so not the most tec savvy people and they think I know everything about technology 🙈  I do not. I'm always trying to help them with something on those phones but it's a real struggle when I just can't work the darn things and neither can they. Many mutterings is quite a mild way of putting it. Trouble is, when I manage to fix whatever it is they then go singing my praises and thinking I'm wonderful. I am not.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • beanielou
    beanielou Posts: 98,052 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    girlatplay said:
    beanielou said:
    In other news I signed up to a site to review books. However as I am none to bright I cannot work out how to get it onto my kindle. 
    In better news I did manage with many many mutterings to get an app onto my mothers android phone. Oh dear. 
    We are not blessed with technical know how in our family. 
    I'm a fruitphone person and both my folks are androids (not literally). They are in their 70's and 80's so not the most tec savvy people and they think I know everything about technology 🙈  I do not. I'm always trying to help them with something on those phones but it's a real struggle when I just can't work the darn things and neither can they. Many mutterings is quite a mild way of putting it. Trouble is, when I manage to fix whatever it is they then go singing my praises and thinking I'm wonderful. I am not.
    So so this. 
    I loathe android phones & can’t work them. 
    My mum will be away telling all her cronies oh beanie did this.  Blah blah. Oft. 
    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.
  • KajiKita
    KajiKita Posts: 9,432 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    And there’s me preferring Android phones! 😂😂

    I goggled the felix stomach tumour thing last night as La Belle will only eat that. Looks like it might have been debunked?

    KK
    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 9 books of target 52 in 2026 as @ 27th January 
    Produce tracker: £36 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. 
  • beanielou
    beanielou Posts: 98,052 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    And there’s me preferring Android phones! 😂😂

    I goggled the felix stomach tumour thing last night as La Belle will only eat that. Looks like it might have been debunked?

    KK
    That’s great.  Thanks. 
    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.
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