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Baby steps to mortgage freedom for beanielou.

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Comments

  • [Deleted User]
    [Deleted User] Posts: 0 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    beanielou said:
    Just not getting out of the bit. Still feel grotty but better than I was. 
    Hi Beanie, I hope you feel much better much sooner. HotdogX
  • EssexHebridean
    EssexHebridean Posts: 25,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh Beanie sorry to hear you're feeling rough - hope you're on the mend soon! x
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • skint_spice
    skint_spice Posts: 13,646 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope it passes soon Beanie x
    Mortgage OP 2026 £50/2000
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £33,546

    Make £50 a month Jan £20
    Boiler fund £925/3000

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 9,315 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Sending hugs Beanie x

    KK
    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 7 books of target 52 in 2026 as @ 23rd January 
    Produce tracker: £29 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. 
  • Chrystal
    Chrystal Posts: 2,027 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Hoping things improve dramatically very soon.... you really are going through the mill. (((hugs))) XXX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • Keedie
    Keedie Posts: 3,044 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Sorry to hear that you've been unwell Beanielou, and I hope you're feeling better really soon. Getting ill when you're already having to be gentle with yourself, can really take it out of you. So hoping you're starting to feel a little less grotty in the coming days. xx
    Debt Free Diary:- The Mental Debt Struggle
    (Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
  • Cheery_Daff
    Cheery_Daff Posts: 18,090 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hugs from me too Beanie, hope you're up and about and feeling chipper soon xxx
  • Watty1
    Watty1 Posts: 7,742 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hoping you are now on the mend and feeling brighter?

    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • jwil
    jwil Posts: 22,984 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you are starting to feel better.
    "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 McGee
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