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Baby steps to mortgage freedom for beanielou.
Comments
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Happy new year beanie. I'm sorry to hear of money issues 😞 I had a really tough year a few years back after I split with my ex. I told myself I could do no spend for a year to get out of my mess. But reality had me in more debt than before. Can you access food banks? Use discount codes on things like hello fresh and the other places - can't recall their names. You might get some good deals for a few weeks and good food.
Hoping you can sort the SOA out so you have enough wiggle room in it to do okay. 🤞🏻 Fingers crossed that the potential lodger is a good one..it might be nice to have the company as well as have someone about in case you fall and have trouble getting up. 💞5 -
We can only see what happens tomorrow.debtfreewannabe321 said:Happy new year beanie. I'm sorry to hear of money issues 😞 I had a really tough year a few years back after I split with my ex. I told myself I could do no spend for a year to get out of my mess. But reality had me in more debt than before. Can you access food banks? Use discount codes on things like hello fresh and the other places - can't recall their names. You might get some good deals for a few weeks and good food.
Hoping you can sort the SOA out so you have enough wiggle room in it to do okay. 🤞🏻 Fingers crossed that the potential lodger is a good one..it might be nice to have the company as well as have someone about in case you fall and have trouble getting up. 💞
What makes me so bloody angry is that this situation is all no fault of mine..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.10 -
Fingers crossed it is the right personDFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)3 -
Hi Beanie, I was just thinking there are some tips and advice you can get on the web regarding lodgers:- Taking in a Lodger? Download our free guide | SpareRoom
That is an example of what you can find - spare room have a whole section for live in landlords, in the help section.
One example is when the new potential lodger comes to your house do they offer to take off their shoes, this is a sign of respect. etc etc.
CrazyBeeXX
P.S All completely free - even to advertise your room!Missions: -
1) Build up an emergency fund (EF) £3100/£3500 By end of 2025!
2) Pay off Mortgage Starting £58738 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.4 -
Thanks.CrazyBee787 said:Hi Beanie, I was just thinking there are some tips and advice you can get on the web regarding lodgers:- Taking in a Lodger? Download our free guide | SpareRoom
That is an example of what you can find - spare room have a whole section for live in landlords, in the help section.
One example is when the new potential lodger comes to your house do they offer to take off their shoes, this is a sign of respect. etc etc.
CrazyBeeXX
P.S All completely free - even to advertise your room!Have had many lodger’s in the past.A long break since last one though!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 come to a good decision for you when you meet person today 👍January spends - £587.584
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Thanks. ☺️milann said:Hope you come to a good decision for you when you meet person today 👍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 -
Lovely person who is going to move in at the weekend. This money will be used solely towards paying down the smaller loan.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.10 -
Fantastic, congratulations, well done Beanie, that is great news. May your journey together be filled with hope and happinessXXbeanielou said:Lovely person who is going to move in at the weekend. This money will be used solely towards paying down the smaller loan.Missions: -
1) Build up an emergency fund (EF) £3100/£3500 By end of 2025!
2) Pay off Mortgage Starting £58738 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.4 -
So pleased to read this.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 #1244
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