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Baby steps to mortgage freedom for beanielou.

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  • jwil
    jwil Posts: 19,486
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    65 years is a very long time.    Glad you are focussing on your needs!
    "If you can dream it, you can do it". Walt Disney
  • doingitanyway
    doingitanyway Posts: 8,909
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    Glad you could support your neighbour. Sounds like you live in a close community.
    Hope you do something nice for yourself over the BH  :)
    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
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  • jwil
    jwil Posts: 19,486
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    beanielou said:
    doingitanyway said:
    Glad you could support your neighbour. Sounds like you live in a close community.
    Hope you do something nice for yourself over the BH  :)
    It isent. I think we are the two original occupants of our street at my end though. 
    I haven’t done anything nice. Mind you reading & chilling is just fine. I have decided that I’m not going to go to the funeral. If that makes me a bad person then so be it. 
    Reading and chilling is a nice way to spend the day.  You are not a bad person for not going to the funeral.
    "If you can dream it, you can do it". Walt Disney
  • savingholmes
    savingholmes Posts: 27,677
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    Glad you were able to relax. 

    I think it's perfectly valid not to go to such funerals. Long term - a regular brew and a chat will be more valued.
    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 £4.1K
  • Abbafan1972
    Abbafan1972 Posts: 6,976
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    @beanielou is it your neighbours funeral you are talking about or a different one? 
    Striving to clear the mortgage before it finishes in Dec 2028 - amount currently owed - £40,750.02
  • beanielou
    beanielou Posts: 90,948
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    KajiKita said:
    Tbh, I think avoiding the funeral is the best thing for you. The social dynamics around it sound very toxic. I don’t think it makes you a bad person at all - just a sensible one! 😉

    Hope you get some sun today 😊

    KK
    You have absolutely hit the nail on the head. Very very toxic. 
    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: 90,948
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    Abbafan1972 said:
    @beanielou is it your neighbours funeral you are talking about or a different one? 
    It’s my neighbour & I am not going. 
    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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