Baby steps to mortgage freedom for beanielou.
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I'm glad you saw your friends.
Ugh to ants. I hate them too.
Hope the weather is better today.
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 -
Fell coming out of chair yoga today. Bumble bee.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 -
Oh no!! 😢
Hope it doesn’t leave you too bruised … 🤞
KK xAs 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.3 -
Sorry about the fall, hope you are ok xx"If you can dream it, you can do it". Walt Disney3
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Awww beanie - I hope you're not too bruised and achy. ☹️Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4 -
Sorry to read you had another fallIf 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 0/2004 -
Sorry to hear about the fall 🙁 Hope you’re not too sore today.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Hope you had a better day today xMortgage End Date: Apr 36/Aiming for Aug 28/Current Aug 35
Mortgage OP 2024 £2400/7000
Mortgage balance: £522123 -
I am certainly not at my best today. I am scunnered & my pain levels are high. In better news I have a new cleaner coming tomorrow who will come once a fornight to just do cleaning. This frees up my other lady to help with other things. I can't really afford it but needs must. The decluttering is nearly done but their is a lot of shredding to be done. I am having a good break from that. In other news I cant remember if I said that I now have a folder made up for my DS of important information. It's not quite complete but if I pop my clogs tomorrow it should be ok. It has been on my mind for a while & I SO glad that it's nearly done.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.9 -
Ah, *that* file … I’ve started one but not finished. Thank you for the nudge 😊
Sorry you are in so much pain today. Sending gentle, soothing hugs. Glad you are getting some more practical help.
KK xAs 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.5
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