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Baby steps to mortgage freedom for beanielou.
Comments
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New carpet fund sounds lovely Beanie - its good to have something nice to aim for. I know paying the mortgage is important to you but something new to you which changes your environment to make you feel brighter will keep you going on the longer harder mortgage challenge.
Its surprising how much better a good old declutter can make you feel too - you sound much more upbeat
January spends - £587.581 -
Hello Beanie, I'm wondering what colour carpet you are going for. Mine is a gentle green which I find very restful. I'm a big fan of green and cream colour schemes which DD finds a little old fashioned but hey!! I'm planning to refresh the paint in my house this year but am going to take it slowly and steadily. I am plodding along through the winter months.
Take care Beanie!With family, friends and pets (or any combination of them) life will be fine!
Emergency fund £2474 post cat wee catastrophe!
Fashion on the Ration 55 coupons available in 20221 -
We can plod together HopefulJoy
Current carpet is b;lue & walls are pale pink & pale blue.
Decisions, decisions...............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.1 -
Hi Beanie - I recently did a very cheap makeover of my bedroom - I got rid of the old carpet - cleaned and painted the floor boards white (took three coats of satin wood paint ) and painted the old pine furniture white too - I have wall papered one feature wall in a contrasting pattern/colour and bought new (cheap) bedding and very cheap rugs - the whole makeover cost under 100 pound but it did take quite a lot of my time- painted floor board aren't for every one so may not suit your taste but it does look very shabby chic and very clean -I love it - good luck with whatever colour scheme you decide on Started this journey in 2013 (on a previous diary) with approx 94,000 total of morg and debt combined
Total Morg and debt outstanding March 2019. 84,487.00
Total morg and debt o/standing 1/11/19 - 80,177
Total morg and debt o/standing 8/3/20 - 77,996
Total morg and debt Feb 2021 - 75021
Total morg and debt jan 2022 - 68441
Dec 2023 zero mortgage - debt under 100001 -
Sadly I dont have floorboards as my house is only about 25 years old as that would have been perfect.
The decluttering continues & is physically & very emotionally draining.
Needed to be done & should have been done years ago.
The BT saga rolls on.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.1 -
If it has waited years, it can wait to be progressed at a rate that doesn't leave you exhausted. Just aim for one or two things a day.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.1
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in_need_of_direction wrote: »If it has waited years, it can wait to be progressed at a rate that doesn't leave you exhausted. Just aim for one or two things a day.
No, I have to do it while I am in the mood to do it otherwise it will be left half done.
It makes sense to me 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.1 -
I know what you mean Beannie about getting it done when you are in the mood - I just can't get in the mood to do any room and they all need doing - its just so overwhelming isn't it? So well done fpr getting going
I have a sort of dove grey colour scheme in my bedroom. I have fitted wardrobes with sort of grey smoked glass panels in them! Pale grey carpet and walls - I got bedding which was an amazing bargain from a very expensive bedding shop outlet and it is gorgeous (like a greyish flowery print)- the problem is I only got one set so have to wash and dry it in one day to reuse it and I love it so don't want to back to my plain grey one (it reminds me of my ex too!)
Anyway onwards and upwards Beannie - soon be spring!!!! Keep plodding!1 -
No, I have to do it while I am in the mood to do it otherwise it will be left half done.
It makes sense to me
I wonder if once you get to that stage Beanie you would like a little help from your friends.Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
Diary 'Butti's journey : A matter of loaf or death'.
Diary 2 'The whimsical tale of the Waterbed of Debt' 48% off mortgage
'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB1 -
No, I have to do it while I am in the mood to do it otherwise it will be left half done.
It makes sense to me
I wonder if once you get to that stage Beanie you would like a little help from your friends.Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
Diary 'Butti's journey : A matter of loaf or death'.
Diary 2 'The whimsical tale of the Waterbed of Debt' 48% off mortgage
'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB0
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