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Baby steps to mortgage freedom for beanielou.

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Comments

  • maggiem
    maggiem Posts: 1,979 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hope you feel less bruised and battered soon beanielou. You are incredibly stoic putting up with all of this for so long. Hugs.🤗 
  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope you get that break you need xx
    "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 McGee
  • beanielou
    beanielou Posts: 97,027 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    maggiem said:
    Hope you feel less bruised and battered soon beanielou. You are incredibly stoic putting up with all of this for so long. Hugs.🤗 
    Exactly what the physio says.
    I do worry that my diary is more a whinge fest though :(
    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.
  • redofromstart
    redofromstart Posts: 5,968 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    It's your diary - post whatever helps you. I don't always comment but I do read. 

    I've had to buy new socks as most had gone thin. I'm now binning as  the holes emerge. 
    My mortgage free diary: +++ Divide by Cucumber Error.  Please reinstall universe and reboot+++

    GNU Mr Redo

  • milann
    milann Posts: 11,547 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Sorry you’ve had another fall. Your poor hip. Healing and non falling vibes heading your way 😻😻
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you managed to get out as planned.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • beanielou
    beanielou Posts: 97,027 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    redofromstart said:
    It's your diary - post whatever helps you. I don't always comment but I do read. 

    I've had to buy new socks as most had gone thin. I'm now binning as  the holes emerge. 
    milann said:
    Sorry you’ve had another fall. Your poor hip. Healing and non falling vibes heading your way 😻😻
    Thank you 🤩 
    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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