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Baby steps to mortgage freedom for beanielou.
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Get better soon 🤞January spends - £587.582
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Feeling a bit better now. It just seems to be one thing or another at the moment. Falling. Worsening balance. UTI’s. Antibiotics. Bugs.Attempted break in. Tech woes.My mood is not the best. I am struggling a bit.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.6 -
Hang on in there. The antibiotics will work…..and if they don’t see the doc again, the bug will move on. As for the falls - being the resourceful person you are…..you will find a way to cope with them. You’ve conquered many challenges Beanie and you’ll find a way 👍 But the tech - I’d have no chance and have to call in the cavalry. Now I’ve got the silly Christmas song going through my head 🫣
Tomorrow will be a better day 👍January spends - £587.584 -
Hugs beanie and in your own words keep plodding!
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 #1242 -
Glad to hear you're feeling on the mend beanie. I've just caught up with your goings on and sorry to hear that DD has moved away. But tech is a wonderful way of keeping in touch nowadays. DD and I connect nearly each day which is great as she is so far away. 👍Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4 -
Thanks everyone.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 -
Hi Beanie, is it worth doing some type of physio/ exercise to improve strength and balance, have you asked the doc what he/she recommends to avoid falls? They might be able to offer something all you need to do is ask. I hope you feel more positive soon, there are lots of people here cheering you on. You are an asset to this forum for one, take each days as it comes, we all get bad periods of time, I am sure things in some way or another will improve for you. You just need to take it all in your stride. Good luck & Positive vibes coming your way 🍀🤩🏋️♀️5
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As at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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 -
Hope things improve soon.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/252 -
Thanks @HotDog2020. I have physio weekly that I pay for & have lots of exercises for different reasons. I have attended the falls clinic. All part of the joys & delights of cerebral palsy!HotDog2020 said:Hi Beanie, is it worth doing some type of physio/ exercise to improve strength and balance, have you asked the doc what he/she recommends to avoid falls? They might be able to offer something all you need to do is ask. I hope you feel more positive soon, there are lots of people here cheering you on. You are an asset to this forum for one, take each days as it comes, we all get bad periods of time, I am sure things in some way or another will improve for you. You just need to take it all in your stride. Good luck & Positive vibes coming your way 🍀🤩🏋️♀️Thanks for the positive vibes 🤗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.6
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