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Baby steps to mortgage freedom for beanielou.
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Totally agree.jwil said:Sorry things are tough at the moment, and well done for having the conversation with your Mum.
You are in no way a benefit scrounger and nor are the millions of others that need support for their physical and mental health. This vile government are stoking this nonsense to distract from their corruption and incompetence (and decimation of public services). Whilst some media lap it up, there are other sides of the media who recognise it for what it is.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 235 payments to go - now £182,428 Equity 27.02%
2) Spend on handyman & external building works & new patio door £13.45K
3) CC £6.7K on 0% spends card but offset by £34.2K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £10.1K/£127.5K AVC target 8% value at 15/5
5) FI Age 60 annual income target £13.7/30K 45.7%
6) SIPP £4.1K3 -
I’m pleased you had that conversation with your mum. Hopefully she accepted what you told her. At least it’s said now
I'm sorry things are so tough…sending virtual hugs your way.January spends - £587.584 -
Thanks everyone.
Horrid day here today with torrential rain.. I have had to put the heating on!
Got my bedroom carpet cleaned today. You will know why!!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 -
Bet your carpet has come up great. You sound as if you’re getting the house lovely for yourself with the decluttering you’ve been doing and the garden jobs you’ve been getting done. You deserve a nice space to spend your time.January spends - £587.583
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Still a way to go but it's much bettermilann said:Bet your carpet has come up great. You sound as if you’re getting the house lovely for yourself with the decluttering you’ve been doing and the garden jobs you’ve been getting done. You deserve a nice space to spend your time.
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 -
I put the heating on for half an hour earlier, now it’s under a blanket with the furry, purring hot water bottle 😂 it was 12C today after all that sunshine!Mortgage End Date: Apr 36/Aiming for Aug 28/Current May 35
Mortgage OP 2024 £3300/7000
Mortgage balance: £50112
Make £100 extra a month: June £218. Boiler £376/200047 pay days until freedom!3 -
We have lit the woodburner! Mr KK declared it chilly and mis, so that was decision made! 😉😊
KKAs at 15.05.24:
- When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £252,383, end date brought closer by 2 months
- OPs to mortgage = £6,480, Interest saved £2,415, to date
- LTV 51% @ccord, 51% Yopa
Fixed rate 2.17% ends October 2024
Read 24 books of target 52 in 2024 (as @ 9th June)
Produce tracker: £40.58 of £300
Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality.5 -
I dug out my hot water bottle again yesterday!"If you can dream it, you can do it". Walt Disney3
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Went to a coffee morning this morning. No coat so I got a bit drookit!Home now and watching the pilot of Suits. Is MM Jessica?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 -
No she played Rachel4
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