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Baby steps to mortgage freedom for beanielou.
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Definitely keep pacing yourself."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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Glad you saw a friend. Sounds like the company gave you a lift.
Good that your mum got a home visit and is hopefully now on better meds.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 14/11/253 -
Hope the meds work for your mum.
Nothing wrong with pacing yourself…..it’s a tough habit to get used to though. Stick with it 👍January spends - £587.584 -
Beanie I'm sorry you've had such a rough time. I doubt you will trust that your Mum is on the mend until you actually see her. Are you still looking after her cat?!
Definitely pace yourself - baby steps, remember. they are small, but they'll get you there.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Thanks EH.A friend managed to return my mums cat at the weekend thankfully.I am still very tired.House still needs some more housework done but that won’t be happening anytime soon.My lady who helps with my bits & bobs was also on holiday at the same time as my mum & had a fall & has cracked ribs. Poor her.Hopefully will be able to go to my mums on Friday.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.6 -
Rest up and recover. Sorry about your friend as well."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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Thanks.jwil said:Rest up and recover. Sorry about your friend as well.Money incoming today so allocated & cc cleared. Waitrose delivery due later including things for my mum which I intend to deliver tomorrow.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 -
My very favourite cafe & gift shop is closing soon. Sad as it sounds I am quite upset. The food is fantastic. lovely staff & nice gifts and I could park very near. So from now on in there will be no gifts for anyone & no where to go for a wee coffee & a natter.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 -
Oh what a shame ☹️ I would be upset too.I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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Hope you get to see your mum. Poor cleaning lady hope she heals quickly.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1243
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