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Baby steps to mortgage freedom for beanielou.
Comments
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It's good that the walker is very lightweight whilst giving you the stability that you need.
The garden will probably become your sanctuary when it's all completed and you'll be able to relax out there, especially on days when things are hard for you. I'm going to borrow my brother in law's electric sander, to smooth down the railings for me to paint them. As I certainly can't do that by hand. I'm hoping to have mini garden out there with some astro turf in lieu of grass as the concrete floor looks awful.Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/503 -
sounds great @Keedie.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 -
Also with peb.Your home and garden are extra important when your travel is limited, so you should have them as lovely as possible.Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc4 -
Hope you’re ordering the weather for the new look garden…..not too hot and not too cold….rain only at nighttime 👍😂😂January spends - £587.585
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I lost this purchasing option, please share …? 🤔😉😂milann said:Hope you’re ordering the weather for the new look garden…..not too hot and not too cold….rain only at nighttime 👍😂😂
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.4 -
If only 😂milann said:Hope you’re ordering the weather for the new look garden…..not too hot and not too cold….rain only at nighttime 👍😂😂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 -
So quote for fence/ gate is in & is less than I thought. So going ahead with that.Have ordered a new bench & wee table for the back garden.So pleased with that.Will get the power washing done too at some point.Next job is outside garage window which is rotten. Will get a quote for that at some point.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 -
Love this!!KajiKita said:
I lost this purchasing option, please share …? 🤔😉😂milann said:Hope you’re ordering the weather for the new look garden…..not too hot and not too cold….rain only at nighttime 👍😂😂
KK
I'm so glad you are getting these jobs done. I think they nag at you and it will be a weight off your mind once its done - and you'll have a more usable space.beanielou said:So quote for fence/ gate is in & is less than I thought. So going ahead with that.Have ordered a new bench & wee table for the back garden.So pleased with that.Will get the power washing done too at some point.Next job is outside garage window which is rotten. Will get a quote for that at some point.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 14/11/254 -
Glad the quotes are reasonable and it should be lovely when it's all done"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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milann said:Hope you’re ordering the weather for the new look garden…..not too hot and not too cold….rain only at nighttime 👍😂😂
Sadly this option is not available in Scotland
Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc5
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