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Baby steps to mortgage freedom for beanielou.
Comments
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They did me. So stressful.Seasidegal58 said:Jeez beanie! Words fail 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.4 -
What a worry over nothing. How can that have been urgent 😡 You would think they’d just send a letter asking you to confirm.I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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So true. Mind you if I had a heart attack that's one less person to pay.Sun_Addict said:What a worry over nothing. How can that have been urgent 😡 You would think they’d just send a letter asking you to confirm.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 -
What a ridiculous amount of stress and timewasting for such a small thing."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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oh !!!!!!. I think somebody has been panicking about the council tax discount. I had a grumpy letter insisting I confirm I live alone for a review, or face dire penalties, and I'm sure I confirmed it a few months ago. (Don't think we are the same council area though.) It makes me really cross as it's literally the only benefit I get and saves me about the cost of my internet bill while I pay everything else single handed, so it really wouldn't be worth my time telling fibs for it!
Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc2 -
How crazy. Surely that isn’t urgent and could be dealt with by letter 🤬🤬
I notified them by letter weeks ago telling them I’d be getting my pension as of last weekend. I hadn’t heard anything from them so went down to the offices to tell them as I couldn’t get through on the phone. I’d done everything I could think of to let them know. I didn’t hear anything until today when they wrote and told me the ESA would stop from last weekend as I would be getting my state pension. It just had a tone about it they was accusing me 🤬🤬🤬 Then I got tax papers to pass onto my new job 🤷🏻♀️🤷🏻♀️🤷🏻♀️🤷🏻♀️ I’m presuming it’s equivalent to a P45 when a job finishes but this was a benefit. I’m so pleased I’m getting my pension now as I felt very guilty.January spends - £587.584 -
It's really the pits. 5 years to go for me. Sigh.milann said:How crazy. Surely that isn’t urgent and could be dealt with by letter 🤬🤬
I notified them by letter weeks ago telling them I’d be getting my pension as of last weekend. I hadn’t heard anything from them so went down to the offices to tell them as I couldn’t get through on the phone. I’d done everything I could think of to let them know. I didn’t hear anything until today when they wrote and told me the ESA would stop from last weekend as I would be getting my state pension. It just had a tone about it they was accusing me 🤬🤬🤬 Then I got tax papers to pass onto my new job 🤷🏻♀️🤷🏻♀️🤷🏻♀️🤷🏻♀️ I’m presuming it’s equivalent to a P45 when a job finishes but this was a benefit. I’m so pleased I’m getting my pension now as I felt very guilty.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 -
Love learning all the new words - thanks for sharing.
Sorry the DWP messed you around like that Beanie.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 -
Just to get this out. I am sitting here in tears.One of my oldest & dearest friends husband has finally been formally diagnosed with a form of dementia. This is not a surprise. Yesterday he got lost & the police had to bring him home.Such sadness for them both. We have known each other for 35 years & have had many chapters in our friendship. My friend sees my DS as her surrogate son. My heart breaks for them both especially my dear friend. I am trying to remember the good times. I will support hr as best as I can. I have no words.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.9 -
So sorry Beanie, such a cruel disease. Sending hugs xxxxx4
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