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Baby steps to mortgage freedom for beanielou.
Comments
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65 years is a very long time. Glad you are focussing on your needs!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3
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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
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
It isent. I think we are the two original occupants of our street at my end though.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 BHI 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.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.5 -
Reading and chilling is a nice way to spend the day. You are not a bad person for not going to the funeral.beanielou said:
It isent. I think we are the two original occupants of our street at my end though.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 BHI 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."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3 -
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 in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/254 -
I wouldn’t worry about not going to the funeral, you need to do what’s right by you. People worry too much about what other people think. I’m guilty of that to.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1245 -
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 😊
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,270 Interest saved £5,816 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
@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 - £24,616.094
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You have absolutely hit the nail on the head. Very very toxic.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 😊
KKI 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 -
It’s my neighbour & I am not going.Abbafan1972 said:@beanielou is it your neighbours funeral you are talking about or a different one?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
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