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Baby steps to mortgage freedom for beanielou.
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Helloooooo👋👋👋👋👋Hope you’re ok 🤞January spends - £587.583
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Lots going on here behind the scenes. A friend is potentially quite unwell. Another friend is making unreasonable demands. Other stuff going on. To top it all I got a parking ticket yesterday. Don’t even have the energy to write the appeal.Don’t be surprised I am quiet.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]8 -
Thanks for posting. Take as long as you need but know we are all here for you when you’re ready to postJune 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest4 -
Sorry you have so much stuff going on Beanie, hope it settles down soon xMortgage OP 2026 £1920/2000Mortgage balance: £29,386
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £54 -
Sorry things are tough for you at the moment, take care 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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Sending positive vibes your way 🙏 xI get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪3
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Oh no beanie! Also sending love and hugs across the net to you ❤️
Emergency Fund - £1000
Groceries October £ 407.02/5003 -
Sending hugs xKKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Hugs and positive vibes from me 👍January spends - £587.582
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Hope things improve quickly @beanielou, sending hugs.3
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