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Baby steps to mortgage freedom for beanielou.
Comments
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Another one struggling with the cold and sore stiff muscles and joints…despite owning and using more heated textiles than one person should really have. Horrible headache and I know it’s just that my upper back muscles are all seized up.
Exciting about the kitchen beanie!Debt at LBM (Dec 2018): £23,167
Debt free Feb 20215 -
No it’s horrible.badmemory said:I'm sitting on a hot water bottle. Somehow even with the heating on as normal it seems like the cold is seeping into my bones. Psychological I'm sure but it doesn't help to know that.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.5 -
Also have a banging headache.astrocytic_kitten said:Another one struggling with the cold and sore stiff muscles and joints…despite owning and using more heated textiles than one person should really have. Horrible headache and I know it’s just that my upper back muscles are all seized up.
Exciting about the kitchen beanie!Exciting indeed.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 -
Echo everyone exciting thoughts with kitchen
I am struggling with the cold and I am in a warmer place than you. So many layers and retreating to bed and duvet when I can….Praying no falls ……As a dear MSE friend says “keep plodding” or
What does the saying say.... When life hands you lemons, make lemonade
Or as my Mum would say, brush yourself down, tomorrow is another day or
Fake it, to you Make It
Please say hello my new diary: https://forums.moneysavingexpert.com/discussion/6578460/still-dancing-to-blow-the-debt-clouds-away4 -
Thank you.Bubblesmum said:Echo everyone exciting thoughts with kitchen
I am struggling with the cold and I am in a warmer place than you. So many layers and retreating to bed and duvet when I can….Praying no falls ……-5 tonight.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 -
This is great news! The universe definitely supporting you.beanielou said:Lovely person who is going to move in at the weekend. This money will be used solely towards paying down the smaller loan.
Keep warm and comfortableDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest6 -
Yes. I agree about the universe. Amazing what a wee bit of chanting can do!LadyWithAPlan said:
This is great news! The universe definitely supporting you.beanielou said:Lovely person who is going to move in at the weekend. This money will be used solely towards paying down the smaller loan.
Keep warm and comfortableI did think of keeping the heating on overnight. I dident but I really should have.Brrrrr. 🥶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 -
We are at home tomorrow - the heating will be on all day! We can’t let the house get any colder!beanielou said:
Yes. I agree about the universe. Amazing what a wee bit of chanting can do!LadyWithAPlan said:
This is great news! The universe definitely supporting you.beanielou said:Lovely person who is going to move in at the weekend. This money will be used solely towards paying down the smaller loan.
Keep warm and comfortableI did think of keeping the heating on overnight. I dident but I really should have.Brrrrr. 🥶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 44 books of target 52 in 2025, as @ 21st 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.5 -
I seem to be up & down all night & have found that if I get colder then I don't get back to sleep. So mine stays on all the time. If I get over cold or over tired nothing gets done & we eat rubbish too. It almost breaks even financially. It makes working those extra years worth it.
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That’s the sensible thing to do. My muscles hate the cold. I just worry about the cost.badmemory said:I seem to be up & down all night & have found that if I get colder then I don't get back to sleep. So mine stays on all the time. If I get over cold or over tired nothing gets done & we eat rubbish too. It almost breaks even financially. It makes working those extra years worth it.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.5
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