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Baby steps to mortgage freedom for beanielou.
Comments
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Hugs, I hope you can get some ABs for the UTI and start feeling better today.KKAs 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.4 -
Sorry to hear you are stressed. How are you feeling today? How is your Mum doing?"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 McGee3
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Sorry you feel so stressed Beanie. Take it a moment at a time. 👍January spends - £587.584
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Today has not been the best. Was on Ask My GP at 7am. Prescription ready to pick up at GP’surgery at lunchtime. Went to collect that then onward to chemist. Due to road works I had to park further away than usual. I fell twice in a fairly short walk. ( Had two sticks). Fairly battered & bruised. What a hassle getting up & all these folk flapping around & trying to drag me up. Then back home & tried to get mums cat into basket and that did not happen. So drove to my mums obviously without her cat.Can’t say I think she is great. First time I ever thought she looks her age. 😢❤️🩹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.7 -
Aww Banie…..that was a day and a half.Rest up and look after yourself.January spends - £587.584
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Can you get your prescriptions delivered ? Sorry to hear it wasn't a good day .Life is an adventure, never stop exploring.4
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Sending hugs to you and your maw xI get knocked down but I get up again (Chumbawamba, Tubthumping)4
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Aww Beanie, hope things pick up soon xMortgage OP 2026 £300/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,296
Make £50 a month Jan £20
Boiler fund £1225/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Sorry you've had such a rough day. Wish I could do something to cheer you upAchieve 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 16/1/263 -
Big hugs Beanie, what a rotten old day xxx4
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