Baby steps to mortgage freedom for beanielou.

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  • KajiKita
    KajiKita Posts: 3,916 Forumite
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    How do coverless duvets work …? 🤔

    KK
    As 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. 
  • Debsnewbudget
    Debsnewbudget Posts: 755 Forumite
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    I think you wash the whole lot ? 
  • beanielou
    beanielou Posts: 90,627 Ambassador
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    jwil said:
    I use coverless duvets as well, they are brilliant, no more faff!

    I hope the pain levels ease soon x
    Thank you 🤩 x 
    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.
  • beanielou
    beanielou Posts: 90,627 Ambassador
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    KajiKita said:
    How do coverless duvets work …? 🤔

    KK
    You shove the whole thing in the WM. 
    They are not for everyone but I love them. 
    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.
  • redofromstart
    redofromstart Posts: 4,218 Forumite
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    edited 4 May at 7:38PM
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    Which coverless duvets do you use Beanie/Jwil?I really struggle with changing the covers. 
    My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese

  • doingitanyway
    doingitanyway Posts: 8,858 Forumite
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    Bah to pain  :/
    Hope today is good for you.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • jwil
    jwil Posts: 19,327 Forumite
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    I've got Night Owl ones.  They are such a game changer. They dry really quickly.  I've only got the 4.5 tog, but it's surprisingly warm.  I just chuck a blanket on top if I need to in the winter.
    "If you can dream it, you can do it". Walt Disney
  • beanielou
    beanielou Posts: 90,627 Ambassador
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    Mine are 10.5 tog Respect to you jwil! 
    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.
  • beanielou
    beanielou Posts: 90,627 Ambassador
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    We have a flood warning but the sun has edged out. 
    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.
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