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Baby steps to mortgage freedom for beanielou.
Comments
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Funerals can be dire like that. Been to a few myself … it’s why I tried so hard to include something about every aspect of FiL’s life / everyone he knew, so they all felt ‘seen’.And yes, that happening on top of my aunt, uncle and cat’s deaths in the last year means I am holding those I treasure in far more love and honour than before.Sending hugs xAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 64 books of target 52 in 2025, as @ 11th November
Produce tracker: £426 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 -
Sorry it's been a tough day xx"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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Hugs…..sorry you’ve had a tough day. Sending virtual raspberry gin 🍹January spends - £587.584
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Thanks. May well have a real one tomorrow night!milann said:Hugs…..sorry you’ve had a tough day. Sending virtual raspberry gin 🍹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.2 -
Thank you xxjwil said:Sorry it's been a tough day xxI 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.2 -
THank you. xKajiKita said:Funerals can be dire like that. Been to a few myself … it’s why I tried so hard to include something about every aspect of FiL’s life / everyone he knew, so they all felt ‘seen’.And yes, that happening on top of my aunt, uncle and cat’s deaths in the last year means I am holding those I treasure in far more love and honour than before.Sending hugs x
It was like they spoke of a man I diden't know due to prior family conflict. In my opinion it should not have been referred to. In fact to be honest my friend & I were shocked, horrified & saddened by 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.3 -
Ah … the revenge of the weak and petty.beanielou said:
THank you. xKajiKita said:Funerals can be dire like that. Been to a few myself … it’s why I tried so hard to include something about every aspect of FiL’s life / everyone he knew, so they all felt ‘seen’.And yes, that happening on top of my aunt, uncle and cat’s deaths in the last year means I am holding those I treasure in far more love and honour than before.Sending hugs x
It was like they spoke of a man I diden't know due to prior family conflict. In my opinion it should not have been referred to. In fact to be honest my friend & I were shocked, horrified & saddened by it..I’m glad you had your friend to share genuine and true memories of him.KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 64 books of target 52 in 2025, as @ 11th November
Produce tracker: £426 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.4 -
Protect your memories.
I would have a double raspberry gin!
Take careIf 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20254 -
I'm glad you had someone to go with at least and were able to share more positive memories.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
Thank you all.
What with that & the lunch with my dear friend & her DH it has been a sad day. DEmentia is the pitts. So sad to see someone reduced so much as a person. I will remember the strong witty & able man he was.
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.8
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