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Baby steps to mortgage freedom for beanielou.
Comments
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Just catching up Beanie, sorry to hear about the extra money you're having to fork out, it's really disgraceful that vulnerable people are treated like this. I'm sure you'll manage as you always do but the extra stress/pressure isn't something you need.Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £9,707 Car loan CC 0% BT £4500 CC 0% Holiday flights £1449. Debt Free Diary to try & keep spending in check.3
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Thank you. Appreciate it.sashybo said:Just catching up Beanie, sorry to hear about the extra money you're having to fork out, it's really disgraceful that vulnerable people are treated like this. I'm sure you'll manage as you always do but the extra stress/pressure isn't something you need.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 -
Still mulling everything over. I think I will have to cut allocation of hours.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 -
Sorry Beanie things are so tough. I am over-spending on food - and on most things currently - so need to rein things back in too. Is it worth sharing your SOA or does that feel too public? You could always PM it.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/262 -
Can social services or any charities help or offer any advice?LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1243 -
This isn’t helpful, but it’s so infuriating for you that this could be the outcome. I’ve heard of others having to do this too… I’m on a never-ending waiting list for an assessment, but if it ever comes up for me I’m not convinced I’d be able to afford it anyway. I’m sure it’s really short sighted in terms of overall healthcare costs to the country too.beanielou said:Still mulling everything over. I think I will have to cut allocation of hours.Debt at LBM (Dec 2018): £23,167
Debt free Feb 20214 -
This means reducing the help you get at home? This is so pointless… 😢 As Astrocytic_kitten says, how short sighted is it …beanielou said:Still mulling everything over. I think I will have to cut allocation of hours.
KKAs 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.4 -
It is so short sighted. Have said this before. Along with constantly having to reapply for benefits & constantly having to provide evidence of something that is not going to change.astrocytic_kitten said:
This isn’t helpful, but it’s so infuriating for you that this could be the outcome. I’ve heard of others having to do this too… I’m on a never-ending waiting list for an assessment, but if it ever comes up for me I’m not convinced I’d be able to afford it anyway. I’m sure it’s really short sighted in terms of overall healthcare costs to the country too.beanielou said:Still mulling everything over. I think I will have to cut allocation of hours.The system is broken. I am just about broken with it. I mean my 82 year old is stressing herself out about this & is worrying about 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.7 -
It really is but I just can’t magic the money out of nowhere. Realistically can I go 12 to 18 months never going for a coffee with friends & buying no clothes or shoes.KajiKita said:
This means reducing the help you get at home? This is so pointless… 😢 As Astrocytic_kitten says, how short sighted is it …beanielou said:Still mulling everything over. I think I will have to cut allocation of hours.
KKI 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 -
Choosing between valuable support and the basics of a social life or clothing just demonstrate how wrong everything is. I'm sorry you have to deal with this. Is there any way you could go to your MP and see if they can do anything?beanielou said:
It really is but I just can’t magic the money out of nowhere. Realistically can I go 12 to 18 months never going for a coffee with friends & buying no clothes or shoes.KajiKita said:
This means reducing the help you get at home? This is so pointless… 😢 As Astrocytic_kitten says, how short sighted is it …beanielou said:Still mulling everything over. I think I will have to cut allocation of hours.
KK"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 McGee3
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