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Baby steps to mortgage freedom for beanielou.
Comments
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That was a very good day!
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 -
Sounds perfect 🙂 Hopefully you feel nice and relaxed tonight.beanielou said:Good wee day today. A good physio session which was not too painful. Then this afternoon I had a great treatment which included some work on my feet & ankles, reiki and some sound bath. Just amazing. 🤩I get knocked down but I get up again (Chumbawamba, Tubthumping)4 -
It was fantastic.jwil said:
That sounds fantastic!beanielou said:Good wee day today. A good physio session which was not too painful. Then this afternoon I had a great treatment which included some work on my feet & ankles, reiki and some sound bath. Just amazing. 🤩skint_spice said:Sounds lovely Beanie, glad you enjoyed it.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 -
It really was fantastic. If only I could do this every week.lucielle said:That was a very good day!
It really was fantastic. If only I could do this every week.beanielou said:
It was fantastic.jwil said:
That sounds fantastic!beanielou said:Good wee day today. A good physio session which was not too painful. Then this afternoon I had a great treatment which included some work on my feet & ankles, reiki and some sound bath. Just amazing. 🤩skint_spice said:Sounds lovely Beanie, glad you enjoyed it.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 -
Whatever it was you had done you could probably learn for yourself. Reiki 1 is typically not expensive to learn / be tuned to and then you can do it for yourself, every day 😊
I am finding it interesting that work on your feet and ankles has had such a powerful effect on you - your joy is radiating out of your post. It makes me think it would be worth exploring further - after all our feet are our connection to ground 😊❤️
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 -
Im actually did reiki 1 & 2 years ago. I have always struggled with sending it to myself & to past experiences.KajiKita said:Whatever it was you had done you could probably learn for yourself. Reiki 1 is typically not expensive to learn / be tuned to and then you can do it for yourself, every day 😊
I am finding it interesting that work on your feet and ankles has had such a powerful effect on you - your joy is radiating out of your post. It makes me think it would be worth exploring further - after all our feet are our connection to ground 😊❤️
KK
It is interesting that you say our feet are our connection to the ground~~perfectly logical~~ & of course I have I have problems with my feet & legs. Mmmm.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 -
If you can reach them reasonably easily, you could massage the kidney points on your feet each day. That will help the energy flow through your feet and lower limbs - its a Chinese medicine energy centre that’s one of the easier ones to work with.To find it, feel around the fleshy bit of your foot behind your toes. In the centre-ish of that, you will find a dip. That’s the kidney point. Ideally press it with the point of your thumb but if it’s too sensitive or sore, then massage it with the fleshy part of your thumb pad.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 -
Thanks. Not the best with my feet but will give it a try.KajiKita said:If you can reach them reasonably easily, you could massage the kidney points on as your feet each day. That will help the energy flow through your feet and lower limbs - its a Chinese medicine energy centre that’s one of the easier ones to work with.To find it, feel around the fleshy bit of your foot behind your toes. In the centre-ish of that, you will find a dip. That’s the kidney point. Ideally press it with the point of your thumb but if it’s too sensitive or sore, then massage it with the fleshy part of your thumb pad.KKI 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 -
Glad you had such a positive day.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 -
It just was one of those lovely days. 🥰savingholmes said:Glad you had such a positive day.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
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