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Baby steps to mortgage freedom for beanielou.

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Comments

  • skint_spice
    skint_spice Posts: 13,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh no, that’s such a shame. We used to have a McMillan coffee morning at my old workplace and the cakes were so good.
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 95,944 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks milann. 
    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.
  • KajiKita
    KajiKita Posts: 8,006 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 2 November 2024 at 4:52PM
    Oh bah, to the bad cake 😳🥺 How very dare it ….

    Sending you scones (cheesy, sultana and plain), jammy donuts, Victoria sponge, chocolate cake, macaroons, flapjacks, florentines, fairy cakes (the proper ones, with the centre cut out, cut in half and put back on a dollop of proper butter cream with a little sprinkle of hundreds and thousands), lemon drizzle, rhubarb and almond cake, apple cake and every and other cake that takes your fancy! Oh, yes, fondant fancies … 🤔😉😂😊

    KK

    PS - I’m enjoying the thought that the kitchen designer is going to have to seriously engage with where ginger cats are comfortable eating and plan that in 🤩❤️
    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. 
  • beanielou
    beanielou Posts: 95,944 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    Oh bah, to the bad cake 😳🥺 How very dare it ….

    Sending you scones (cheesy, sultana and plain), jammy donuts, Victoria sponge, chocolate cake, macaroons, flapjacks, florentines, fairy cakes (the proper ones, with the centre cut out, cut in half and put back on a dollop of proper butter cream with a little sprinkle of hundreds and thousands), lemon drizzle, rhubarb and almond cake, apple cake and every and other cake that takes your fancy! Oh, yes, fondant fancies … 🤔😉😂😊

    KK

    PS - I’m enjoying the thought that the kitchen designer is going to have to seriously engage with where ginger cats are comfortable eating and plan that in 🤩❤️
    Thanks for the cake. 🍰 

    The cats are even going to have their own cupboard 😹😹
    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.
  • KajiKita
    KajiKita Posts: 8,006 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    KajiKita said:
    Oh bah, to the bad cake 😳🥺 How very dare it ….

    Sending you scones (cheesy, sultana and plain), jammy donuts, Victoria sponge, chocolate cake, macaroons, flapjacks, florentines, fairy cakes (the proper ones, with the centre cut out, cut in half and put back on a dollop of proper butter cream with a little sprinkle of hundreds and thousands), lemon drizzle, rhubarb and almond cake, apple cake and every and other cake that takes your fancy! Oh, yes, fondant fancies … 🤔😉😂😊

    KK

    PS - I’m enjoying the thought that the kitchen designer is going to have to seriously engage with where ginger cats are comfortable eating and plan that in 🤩❤️
    Thanks for the cake. 🍰 

    The cats are even going to have their own cupboard 😹😹
    That is so cool! 😸

    KK
    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. 
  • badmemory
    badmemory Posts: 9,815 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I have a confession to make.  I don't really like cake, well not unless it is a really very creamy gateau type cake.
  • beanielou
    beanielou Posts: 95,944 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    badmemory said:
    I have a confession to make.  I don't really like cake, well not unless it is a really very creamy gateau type cake.
    Think of the benefits to your waistline! 
    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.
  • badmemory
    badmemory Posts: 9,815 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I wish - it is the things I do like that are my downfall.  Crisp butties anyone.
  • KajiKita
    KajiKita Posts: 8,006 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    badmemory said:
    I wish - it is the things I do like that are my downfall.  Crisp butties anyone.
    Get thee hence, TEMPTATION!! 😉

    KK
    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. 
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