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Baby steps to mortgage freedom for beanielou.
Comments
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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 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
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)4 -
A new kitchen sounds amazing. Do some forward thinking too and get it so that if ever need more mobility aids you can still make it work for you in the kitchen. My ds has different height surfaces. Some that his appliances fit underneath so normal height…..some lower that he can reach easily from a chair….including his hob. It’ll boost you so much to have a good looking kitchen that makes life easier for you.ive been really pleased with my Howdens kitchen.January spends - £587.586
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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.3 -
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 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 58 books of target 52 in 2025, as @ 12th October
Produce tracker: £426 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 -
Thanks for the cake. 🍰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 🤩❤️
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.4 -
That is so cool! 😸beanielou said:
Thanks for the cake. 🍰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 🤩❤️
The cats are even going to have their own cupboard 😹😹
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 58 books of target 52 in 2025, as @ 12th October
Produce tracker: £426 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 -
I have a confession to make. I don't really like cake, well not unless it is a really very creamy gateau type cake.
4 -
Think of the benefits to your waistline!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.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 -
I wish - it is the things I do like that are my downfall. Crisp butties anyone.
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Get thee hence, TEMPTATION!! 😉badmemory said:I wish - it is the things I do like that are my downfall. Crisp butties anyone.
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 58 books of target 52 in 2025, as @ 12th October
Produce tracker: £426 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.2
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