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Baby steps to mortgage freedom for beanielou.
Comments
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I am seriously considering buying another walker for the car which folds up & looks half decent.Not cheap but I think I am worth it & my balance is pretty shocking at the moment. I cannot afford on so many levels to have two more hard falls like a week past Friday.I still have blisters on my foot from dragging them on the ground to try to get up & I just have the fear. I will speak to the physio on Tuesday.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 -
That sounds like good idea. Do you still use your scooter?You could try charity shops for cat blankets and cut them down
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 #1244 -
Anything that reduces the likelihood of falls is definitely worth it."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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A folding walker for the car sounds like a good plan x4
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Owch to the insurance. Probably worth shopping around, if you're not stuck with insurer to cover an ongoing condition. Dog1's renewal went up by about 50% and they have promptly had a call to cancel, because adding her to Dog2's insurer got me a multi-pet discount and covers both of them for only £6 more than the renewal! Even the customer service rep couldn't find anything to say except call us if you do change your mind
For pet blankets, B&M or Primark - I get the velour style ones and they are pretty indestructible. (Except to Dog2 as a puppy, but not much survives her determined attention.)Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc4 -
I had been thinking of suggesting a walker for you Beanie, a fold up one would be good, tho' for safety you might need to lean against the side of your bungalow or the car whilst folding or unfolding so as not to overbalance while doing it, I've found with folding steps, stools and the like they can be hard to move and then go with a big jerk unexpectedly. xThe best thing about the future is that it comes one day at a time. (Abraham Lincoln)4
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I think ignore the cost Beanie and get what you really need - be that a fold up walker or something 'better'.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 -
Thanks so much everyone for your input. My mind is 90% made up, just need to run past the physio on Tueday.
DS thinks it's a tad expensive!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.5 -
DS isn’t the one falling and getting battered and bruised! Is he going to be there to catch you each time ….?beanielou said:Thanks so much everyone for your input. My mind is 90% made up, just need to run past the physio on Tueday.
DS thinks it's a tad expensive!KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
No! He will be a sKh0olKajiKita said:
DS isn’t the one falling and getting battered and bruised! Is he going to be there to catch you each time ….?beanielou said:Thanks so much everyone for your input. My mind is 90% made up, just need to run past the physio on Tueday.
DS thinks it's a tad expensive!KK
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.4
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