Baby steps to mortgage freedom for beanielou.

Options

Comments

beanielou Posts: 90,870 Ambassador

20 April at 8:51PM
Options
Not the best few days. Fell on Thursday at chair yoga & then in the house on Friday.

In better news the wee bench & table were delivered today & are good. The garage door paint has been touched up after the power washing as has the ramp. So both look much better. Someone is coming at the beginning of the week to cut back the big bush in the back garden.

Going to a funeral service on Monday. I will then miss the cemetery & then go the funeral tea.
Sigh.

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
savingholmes Posts: 27,653 Forumite

20 April at 11:15PM
Options
Sorry for your loss Beanie.

Good news on the garden and external decorating progress.

Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 235 payments to go - now £182,428 Equity 27.02%
2) Spend on handyman & external building works & new patio door £13.45K
3) CC £6.7K on 0% spends card but offset by £34.2K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £10.1K/£127.5K AVC target 8% value at 15/5
5) FI Age 60 annual income target £13.7/30K 45.7%
6) SIPP £4.1K
2
lucielle Posts: 10,833 Forumite

21 April at 7:48AM
Options
Hopefully the weather will behave and you can enjoy your garden.
L

Total 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 #124
4
KajiKita Posts: 4,104 Forumite

21 April at 8:25AM edited 21 April at 8:29AM
Options
Hugs Beanie. Hoping the progress on the garden and it becoming a usable space is offsetting the falls and the need for a funeral, if only a little.

KK x

As at 15.05.24:
- When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £252,383, end date brought closer by 2 months
- OPs to mortgage = £6,480, Interest saved £2,415, to date
- LTV 51% @ccord, 51% Yopa
Fixed rate 2.17% ends October 2024

Read 24 books of target 52 in 2024 (as @ 9th June)
Produce tracker: £40.58 of £300

Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality.
4
jwil Posts: 19,458 Forumite

21 April at 8:54AM
Options
Sorry about the falls and the funeral.

Glad the garden is improving though.

"If you can dream it, you can do it". Walt Disney

3
RosaBernicia Posts: 4,893 Forumite

21 April at 11:32AM
Options
Also sorry about the falls and the funeral, but glad to hear you're enjoying your garden.

Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc
4
beanielou Posts: 90,870 Ambassador

21 April at 12:09PM
Options
RosaBernicia said:

Also sorry about the falls and the funeral, but glad to hear you're enjoying your garden.

Thanks ☺️

Another soft fall this morning. This is what stress does to me. Positive vibes for me & mine please.

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
jwil Posts: 19,458 Forumite

21 April at 12:48PM
Options
Sending positive vibes. Hope you can have a gentle afternoon x

"If you can dream it, you can do it". Walt Disney

3
Sun_Addict Posts: 21,650 Forumite

21 April at 3:26PM
Options
Sorry to hear about the falls and the funeral. Sending lots and lots of positive vibes your way 🙏

Garden news is good though.

I get knocked down but I get up again (Chumbawamba, Tubthumping)
4
KajiKita Posts: 4,104 Forumite

21 April at 4:23PM
Options
+++++++Beanie and family++++++++++

KK x

As at 15.05.24:
- When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £252,383, end date brought closer by 2 months
- OPs to mortgage = £6,480, Interest saved £2,415, to date
- LTV 51% @ccord, 51% Yopa
Fixed rate 2.17% ends October 2024

Read 24 books of target 52 in 2024 (as @ 9th June)
Produce tracker: £40.58 of £300

Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality.
4

★ ★ ★ Meet your Ambassadors

Categories

All Categories
12 Election 2024: The MSE Leaders' Debate
344K Banking & Borrowing
250.4K Reduce Debt & Boost Income
450.1K Spending & Discounts
236.2K Work, Benefits & Business
609.5K Mortgages, Homes & Bills
173.5K Life & Family
248.8K Travel & Transport
1.5M Hobbies & Leisure
15.9K Discuss & Feedback
15.1K Coronavirus Support Boards

MSE News

How to multi-destination holiday like a MoneySaver
Why settle for one destination when you could see several and save money in the process. I've a reputation (one I'm proud of) at MSE Towers for having lots of holidays. With limited annual leave but an unlimited desire to discover as many countries as possible, I've taken to ticking off multiple destinations in one trip. It's easier, and cheaper, than you may initially think – and I'm hoping this blog will inspire you, if you want to give it a try yourself.
eBay to stop accepting American Express in August – be careful if you're planning to use PayPal as a workaround
You'll still be able to use your Amex on eBay by going through PayPal – but be wary of doing this with large purchases, as you may lose valuable Section 75 protection.
Plusnet Mobile user? Switch to another provider ASAP to avoid losing your number
If you're still using a Plusnet Mobile Sim, you need to switch away as soon as possible – particularly if you want to keep the same phone number – as the provider is closing down this month.
Are you one of 577,000 who've had their Child Benefit delayed? It'll be paid on Wednesday – and if you're out of pocket you can claim
Around 577,000 Child Benefit claimants who didn't receive their monthly or weekly payments on Monday 3 June, will now receive it on the morning of Wednesday 5 June, HMRC has confirmed.
Chase launches new 5.1% easy-access saver that's available to MORE customers – can you get it?
App-based bank Chase has just released a new table-topping 5.1% AER interest savings account for both new and existing customers. It follows a similar move earlier this year, though this time round, MORE customers can get it.
Are you one of 500,000 who've had their Child Benefit delayed? It’ll be paid on Wednesday – and if you’re out of pocket you can claim
Around 500,000 Child Benefit claimants won't receive their monthly or weekly payments due on Monday 3 June, until the morning of Wednesday 5 June, HMRC has confirmed.
Child Benefit payments delayed with around 500,000 told they won't be paid till Wednesday – here's what you need to know
Around 500,000 Child Benefit claimants won't receive their monthly or weekly payments due on Monday 3 June, until the morning of Wednesday 5 June, HMRC has confirmed.
Child Benefit payments delayed with around 500,000 left waiting for their money – here's what we know so far
Around 500,000 Child Benefit claimants are yet to receive their monthly payment for June due today, which some say has left them unable to pay for bills and facing being hit with late payment and/or overdraft fees.
Child Benefit payments delayed with many left waiting for their money – here's what we know so far
Many Child Benefit claimants are yet to receive their monthly payment for June due today, which some say has left them unable to pay for bills and facing being hit with late payment and/or overdraft fees.