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Baby steps to mortgage freedom for beanielou.
Comments
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I am Scunnered with decluttering but want to keep going with it while I have any omph left.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]2 -
What’s the one bit that is most visually ‘snagging’ and will give you the biggest satisfaction return for your effort?beanielou said:I am Scunnered with decluttering but want to keep going with it while I have any omph left.KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Sorry about your fall Beanie and Sunshine. Hope you recover quickly.
Well done on doing that file. I've talked to my family about said file - but it has fallen into disuse - so I need to reinstate it. I have told them the password for my laptop though which has my finance spreadsheets on it.
Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20281 -
Most of it is hidden to be fair now but I have the bit between my teeth if you get what I mean & need need need to keep going. Now have hands on will & POA & will transfer into the important file.KajiKita said:
What’s the one bit that is most visually ‘snagging’ and will give you the biggest satisfaction return for your effort?beanielou said:I am Scunnered with decluttering but want to keep going with it while I have any omph left.KKHow long should I keep benefit paperwork does anyone think?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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]4 -
As I'm assuming a single person's benefits would cease on death, I would think you would only have to keep the latest paperwork showing benefit and DWP contact details so DS could contact them to let them know. I may be wrong though - perhaps another poster may know?Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”3 -
I would just keep the latest letter. That’s what I do with Mr SA’s.How lovely to find the letters but bittersweet memories I guess. I’m the same when songs come on the radio from the early 80s, happy memories of carefree days but also makes me feel sad those days are long gone.I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪3
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When my OH died and I went to register his death, I used the 'Tell Us Once' service What to do after someone dies: Tell Us Once - GOV.UK (www.gov.uk) . that dealt with loads of things such as his benefits, PIP, blue badge, GP and health details, council tax, passport, driving licence etc. I'd only keep a recent letter with something like NI number on it and a list of benefits. Its a useful service and cuts down a lot on the places an executor has to contact.3
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You have to keep tax paperwork 6 years.With the state of the benefits system and them claiming back from people who they have allegedly wrongly paid I would be tempted to keep a few years ….3
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Thanks everyone. Yes, have kept pension P60's for 6 or 7 years back & contact details for pension centre.I had pension forecasts from my previous employer. They ae now shredded as the pension has been in payment for many years! Certainly had my money's worth out of that as I have received so much more than I ever paid in.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]4 -
Glorious day here today. Went for lunch with a friend & had a strawberry tart. Was lush.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]4
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