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Baby steps to mortgage freedom for beanielou.
Comments
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Once I finally got moving which certainly took a while I had a shower. Then quick get ready & out.Got to where we were meeting & had a nice lunch. Nice to catch up. Luckily we had previously agreed no presents. ( This has taken years!).Night out with the girls tomorrow. Hope I can stay awake!!Just so tired at the moment.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.6 -
I have come to the conclusion that I am becoming more & more of a home body.skint_spice said:I felt the same way about meeting a friend for breakfast but it was lovely in the end, it’s just the getting out the door sometimes for me.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.6 -
Thee and me both … 🤷♀️😉beanielou said:
I have come to the conclusion that I am becoming more & more of a home body.skint_spice said:I felt the same way about meeting a friend for breakfast but it was lovely in the end, it’s just the getting out the door sometimes for me.
I’m glad you had a good time 😊
How are you feeling in yourself at the moment? Are you over those bad lurgies you had?
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 46 books of target 52 in 2025, as @ 28th 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.4 -
I just don’t feel quite on par if that makes sense.KajiKita said:
Thee and me both … 🤷♀️😉beanielou said:
I have come to the conclusion that I am becoming more & more of a home body.skint_spice said:I felt the same way about meeting a friend for breakfast but it was lovely in the end, it’s just the getting out the door sometimes for me.
I’m glad you had a good time 😊
How are you feeling in yourself at the moment? Are you over those bad lurgies you had?
KKReally sick of it. Anyway I am just wanting to get to Thursday.Seeing DS Monday. 🤩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.6 -
Then Tuesday my mum is coming & staying until Thursday. So just need to get to Thursday.One big mistake I made today was to not put the heating on before I went out. Of course it was Baltic when I came home. Not worth it to save a couple of quid.I have warned the girls I am seeing tomorrow night that I am very stiff & sore.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 -
Hope you feel better soon and the thumb isn’t too troublesome.I’m ready for some time at home. I seem to have been chasing my tail and either been very busy or out.January spends - £587.583
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I don’t know where you get the energy.milann said:Hope you feel better soon and the thumb isn’t too troublesome.I’m ready for some time at home. I seem to have been chasing my tail and either been very busy or out.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 -
I hope you enjoy your time out tonight with the girls and seeing . DS on Monday will be the best. Don't forget that everything you do , you do yourself as you live alone. I think you do brilliantly on your own .Life is an adventure, never stop exploring.5
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Thank you 🤩Sunshine_girl2 said:I hope you enjoy your time out tonight with the girls and seeing . DS on Monday will be the best. Don't forget that everything you do , you do yourself as you live alone. I think you do brilliantly on your own .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 agree!Sunshine_girl2 said:I hope you enjoy your time out tonight with the girls and seeing . DS on Monday will be the best. Don't forget that everything you do , you do yourself as you live alone. I think you do brilliantly on your own .
Just catching up Beanie now I have half hour to myself finally.
I hope you have a fantastic time with DS and mum over Christmas and eat lots and be merry! 💗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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