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Baby steps to mortgage freedom for beanielou.
Comments
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I find it difficult to find decent shoes as well. Sometimes there's just no point in trying to save money. It's blooming annoying."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 McGee2
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Definitely lock the door when using the loo. I’ll never forget pressing the button and there was a little old man standing by the loo doing what he needed to do. He must have jumped out of his skiin…let’s say the ceiling was sprayed 😂😂😂😂 He just stared at the floor when he came out and shuffled to his seat. It was one of the first trips I’d made to dds on my own. I’m paranoid about train loos since and always have a little chuckle to myself when I go.
Sounds like you’ll be having some adventures. I always get my ticket at the station in advance. I like a paper ticket and not on my phone. I always check the prices on line and have never paid more than the online price and even had it cheaper.January spends - £587.584 -
Won’t be for a couple of months.DS needs to settle into school & his third lot of accommodation.That’s his first day done!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 -
Hope his day went well
"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 McGee1 -
Seems to have thanks. First day of pupils tomorrow.jwil said:Hope his day went wellI 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 -
Have spoken to DS & he seems to be settling in well. New school sounds great thus far.
I am aghast at how much he is paying for his temp accomodation. Currently in temp accom 1 before moving to temp accom 2 & then hopefully finally flat. No wonder some parts of the country struggle so much to get essential workers.
My friends dad's funeral tomorrow
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.7 -
Hope the funeral goes as well as these things can.
Hugs over missing DS. Glad he's doing okay so far.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 -
Hope the funeral was ok.
Accommodation costs are horrendous. It's awful for people."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 McGee1 -
Thanks. It was just ok. At least it’s done.jwil said:Hope the funeral was ok.
Accommodation costs are horrendous. It's awful for people.Horrendous indeed. No wonder people don’t move.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 -
I'm so glad we managed to get on the housing ladder. It's a minefield renting. Here, demand seriously outstrips supply.beanielou said:
Thanks. It was just ok. At least it’s done.jwil said:Hope the funeral was ok.
Accommodation costs are horrendous. It's awful for people.Horrendous indeed. No wonder people don’t move."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 McGee1
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