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Baby steps to mortgage freedom for beanielou.
Comments
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I say this every monthbeanielou said:So today I have ordered a new pillow & a new front door mat.
There will be NO spending in May!
MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
Total- £1562.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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I had one from Mr Al once and it was a huge great big thing, it exploded everywhere. All I can say is thank god it was in the kitchen rather than on carpet, and that no one was actually in the room when it did it! I swept all bits up threw it in a bag and marched over to them demanding a refundbeanielou said:
Unfortunatly it was a present & was from a private maker.KajiKita said:Wowsers re the candle! Not good. I think I would be complaining to whoever you bought it from - that sounds like recall territory to me. Hope it hasn’t left you too shaken up and the rest of the clean up today is easy.KK
Clean up continues. Still need to get a lot of wax of photo frames & the fire sadly. (never mind the cuts and damage it caused which took weeks to find all the bits of dried up wax)! MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
Total- £1562.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
5 -
Blimey that’s dire.debtfreewannabe321 said:
I had one from Mr Al once and it was a huge great big thing, it exploded everywhere. All I can say is thank god it was in the kitchen rather than on carpet, and that no one was actually in the room when it did it! I swept all bits up threw it in a bag and marched over to them demanding a refundbeanielou said:
Unfortunatly it was a present & was from a private maker.KajiKita said:Wowsers re the candle! Not good. I think I would be complaining to whoever you bought it from - that sounds like recall territory to me. Hope it hasn’t left you too shaken up and the rest of the clean up today is easy.KK
Clean up continues. Still need to get a lot of wax of photo frames & the fire sadly. (never mind the cuts and damage it caused which took weeks to find all the bits of dried up wax)!I am now very wary.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 -
Very stiff & sore today. Have been doing way too much. Physio was tough.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 -
Sorry the candle made such a mess. It sounds much worse than I pictured.
Well done on tackling the paperwork.
Sorry physio was rough. Hope tomorrow is a better day.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/253 -
Thank you 🙏savingholmes said:Sorry the candle made such a mess. It sounds much worse than I pictured.
Well done on tackling the paperwork.
Sorry physio was rough. Hope tomorrow is a better 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 -
May today be kinder to you <looks sternly at all candles within a mile radius of Beanie>
If there is 5 minutes of sun, perhaps you might get chance to sit outside with a cuppa? 🌞😊
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,270 Interest saved £5,816 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 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 -
That would be lovely. 🥰KajiKita said:May today be kinder to you <looks sternly at all candles within a mile radius of Beanie>
If there is 5 minutes of sun, perhaps you might get chance to sit outside with a cuppa? 🌞😊
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.4 -
Sorry to hear about the candle, that sounds scary. Good luck with the paperwork, though I also hope there is no reason it would be needed any time soon.Hope you got a cuppa in the sunDebt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc4 -
Be lovely to see the sunRosaBernicia said:Sorry to hear about the candle, that sounds scary. Good luck with the paperwork, though I also hope there is no reason it would be needed any time soon.Hope you got a cuppa in the sun
Had a pretty dire day today. Pain levels were high. Did a lot of excercises this morning but having a shower was grim. Came out of shower & phoned a friend who I was meeting for lunch Cried on the phone. Anyway long of short was my friends came to me & we actually had a lovely afternoon.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.8
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