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Baby steps to mortgage freedom for beanielou.

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Comments

  • Bubblesmum
    Bubblesmum Posts: 1,778 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oh no - falling what a pain in more ways then one - take care and be kind to yourself 
    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-away
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had your injection. Sorry about the fall. 

    Hope the lodger settles in okay and works out well for you both.

    When it's this cold Beanie - I'd keep the heating on. The difference it makes to your/our mood is immense.
    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
  • beanielou
    beanielou Posts: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oh no - falling what a pain in more ways then one - take care and be kind to yourself 
    Thanks. ☺️ 
    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.
  • beanielou
    beanielou Posts: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad you had your injection. Sorry about the fall. 

    Hope the lodger settles in okay and works out well for you both.

    When it's this cold Beanie - I'd keep the heating on. The difference it makes to your/our mood is immense.
    All good so far. I have met her mum & her sister. 

    Good advice on the heating. 
    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.
  • lucielle
    lucielle Posts: 11,523 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 13 January at 2:53PM
    Hope you’re ok
    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: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    lucielle said:
    Hope you’re ok
    L
     Bit battered but ok, thanks. ☺️ 
    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.
  • skint_spice
    skint_spice Posts: 13,445 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That’s lovely to hear Beanie.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • CrazyBee787
    CrazyBee787 Posts: 1,015 Forumite
    1,000 Posts Name Dropper Photogenic
    I hope you feel okay after your fall and I am glad you feel more relaxed about the extra income coming inXX
    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!
  • beanielou
    beanielou Posts: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That’s lovely to hear Beanie.
    Thanks.  It's great.
    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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