We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Baby steps to mortgage freedom for beanielou.
Comments
-
Beanie I am so, so sorry that you are going through this. I don't know what to say - it's awful. 😞Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”3 -
It’s certainly not the best.Seasidegal58 said:Beanie I am so, so sorry that you are going through this. I don't know what to say - it's awful. 😞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 -
It sucks.jwil said:
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.
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.3 -
@beanielou this really sucks. I'm so sorry. I did go last year without buying new clothes (charity shop finds) but I also had a couple of splashes which were on my diary and I really could not have gone the year without going out for coffee and/or breakfast with friends. That would be too tough.
I'm so sorry and wish there was something I could do - in fact I've just remembered that someone I know uses the buy me a coffee site and once you have settled more - I'll buy you a coffee on there if you ever set it up - in recognition of the support and love you have given me over the past year xx (Its not a real coffee just a virtual one but you can then use the money to buy a coffee out xx)
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 !!8 -
How lovely of you. XxWatty1 said:@beanielou this really sucks. I'm so sorry. I did go last year without buying new clothes (charity shop finds) but I also had a couple of splashes which were on my diary and I really could not have gone the year without going out for coffee and/or breakfast with friends. That would be too tough.
I'm so sorry and wish there was something I could do - in fact I've just remembered that someone I know uses the buy me a coffee site and once you have settled more - I'll buy you a coffee on there if you ever set it up - in recognition of the support and love you have given me over the past year xx (Its not a real coffee just a virtual one but you can then use the money to buy a coffee out xx)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 -
So decision is made. My hours will be going down in 2025. I think it’s the only way forward.While I am not 100% happy with this I am working on making my peace with it.I just cannot currently find the amount I need going forward so this is the only way forward.Thank you all so much for your patience help & support with this. It really means more than I can say.
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.9 -
Happy New Year, I hope things get easier for you next year3
-
Hi Beanie, Have you got enough room to let a room out, the first £7500 is tax free (£625 PM), easy way to make plenty of extra cash? also Ebay is free to sell on. Do you do prolific? I have earnt £560 this year alone and I didn't start until April! Just ideas you're free to ignore. Wishing you the best sort of outcome for 2025 Happy New Year XXMission Number One: Get a job!
Mission Number Two: Get a lodger!
Mission Number Three: Clear debt, starting balance: £1997.17, balance now: £1997.17
Once accomplished all three come back and start new missions!6 -
Happy New Year, I hope it gets easier xx"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
-
happy new yearDFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.4K Banking & Borrowing
- 253.3K Reduce Debt & Boost Income
- 453.8K Spending & Discounts
- 244.4K Work, Benefits & Business
- 599.6K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards