Baby steps to mortgage freedom for beanielou.
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beanielou said:So today I have ordered a new pillow & a new front door mat.
There will be NO spending in May!MAY 2024 GOALS MFW #17 EF Goal 2 complete! EF total £1922! ~ NSD 7/15 ~ FOOD & TOILETRIES BUDGET £462.76 / £500 ~ MOP- 0/50
MORTGAGE BALANCE JAN 1st £99224.13 ~~~ MAY 1st £97,285.475 -
beanielou said: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.MAY 2024 GOALS MFW #17 EF Goal 2 complete! EF total £1922! ~ NSD 7/15 ~ FOOD & TOILETRIES BUDGET £462.76 / £500 ~ MOP- 0/50
MORTGAGE BALANCE JAN 1st £99224.13 ~~~ MAY 1st £97,285.475 -
debtfreewannabe321 said:beanielou said: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.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 by mid 2030
1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
2) Spend on handyman & external building works & new patio door £12.65K
3) CC £4.6K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
5) FI Age 60 annual income target £13.7/30K 45.7%3 -
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 15.04.24:
- When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £253,994, end date brought closer by 2 months
- OPs to mortgage = £5,965, Interest saved £2,124, to date
- LTV 51% @ccord, 51% Yopa
Fixed rate 2.17% ends October 2024
Read 19 books of target 52 in 2024 (as @ 17th May)
Produce tracker: £25.45 of £300
Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality.4 -
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 -
RosaBernicia 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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