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Baby steps to mortgage freedom for beanielou.
Comments
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Come to think of it I am not the biggest Mince pies fan...Tunnocks tea cakes and tunnocks caramel bars it is!
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Love it
"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 McGee2 -
Blooming Baltic here today. 🥶🥶🥶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.2 -
Just pondering on how easy it is for people to get sucked in to Black Friday & whatever. My in box is overflowing with emails about so called sales. I am so glad I am currently in such a strong no spending money on anything that is not absolutely necessary mindset.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 -
You could unsubscribe from all those email, there is normally a link at the bottom of the email to unsubscribe, this would eventually mean you get less and less if you keep doing it. My problem isn't spending on various items but except on food, I keep luxuriating myself with pastries and chocolate milk shake and chocolate etc, I can't seem to stop myself it is like I have done it soo frequently I can't change...what is wrong with me?beanielou said:Just pondering on how easy it is for people to get sucked in to Black Friday & whatever. My in box is overflowing with emails about so called sales. I am so glad I am currently in such a strong no spending money on anything that is not absolutely necessary mindset.3 -
I unsubscribe from all emails from companies. It probably saves me more in not being tempted to buy than I'd get from any discount codes I'd get from them. It's also lovely not having an inbox full every time I go in.
"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 McGee1 -
My inbox confirms it is embarrassingly easy for those with little self control to succumb to sales…and that’s after a big email unsubscribe push earlier this year 😂Debt at LBM (Dec 2018): £23,167
Debt free Feb 20213 -
I just delete the emails. If I want something I’ll search for it.
I remember the caramel wafers and tea cakes from primary school days. We had a tuck shop where you could buy them along with bags of little shaped crackers, I think they were called Shapes 🤔I get knocked down but I get up again (Chumbawamba, Tubthumping)4 -
Oh lord …. The school tuck shop … I must have spent an absolute fortune in there over the years! 😉😂
KKAs 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 47 books of target 52 in 2025, as @ 30th 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.3 -
I get sucked into black Friday 😳🤣 I have a greenhouse in one basket. I have a log cabin in another. Clothes in yet another shop and Christmas presents across three more 🤣🙌🏼 however I am doing well. I haven't clicked on the basket and bought anything yet. 🤣
I'm glad you all don't like the mince pies as I've eaten them all 🤪MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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