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Baby steps to mortgage freedom for beanielou.

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  • beanielou
    beanielou Posts: 95,790 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy New Year Beanie 

    The one thing I know about you is that….. Despite all the struggles, you have a core strength that will get you through life, which I much admire…. While acknowledging at times it can be so exhausting…. Keep plodding… 

    Blast from the past I know - Life is full of change for me at the moment. Look out for my new diary. I’m hoping to be able to be on here once again, Catching up with old friends and making new ones. 

    Much love …. 
    How lovely to hear from you. I was only thinking of you the other day. Will keep an eye out for your new diary.  
    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.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year. Well done on being proactive in spotting the issue and dealing with it. Let's hope things improve soon.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 7,914 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    In an outside move I have someone coming to look at the spare bedroom tomorrow. 
    Will see what comes of that. 
    If it is meant to be it will & if not then it won’t. 
    Fair enough. Are they someone who you would feel safe and comfortable with in your home?

    Kk
    As 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 45 books of target 52 in 2025, as @ 27th 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. 
  • CrazyBee787
    CrazyBee787 Posts: 1,017 Forumite
    1,000 Posts Name Dropper Photogenic
    beanielou said:
    In an outside move I have someone coming to look at the spare bedroom tomorrow. 
    Will see what comes of that. 
    If it is meant to be it will & if not then it won’t. 
    Hi Beanie, I hope whatever reservations you have are mis-judged and that you find an ideal house lodger/ paying guest. Good luck all the best CrazyBeeXX
    Mission 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!
  • lucielle
    lucielle Posts: 11,526 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fingers crossed they’re the right person. 
    L
    Total 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 #124
  • beanielou
    beanielou Posts: 95,790 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    beanielou said:
    In an outside move I have someone coming to look at the spare bedroom tomorrow. 
    Will see what comes of that. 
    If it is meant to be it will & if not then it won’t. 
    Hi Beanie, I hope whatever reservations you have are mis-judged and that you find an ideal house lodger/ paying guest. Good luck all the best CrazyBeeXX
    Thank you.  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.
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