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Baby steps to mortgage freedom for beanielou.

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  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the kitchen.
    Thank you 🤩 
    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.
  • maggiem
    maggiem Posts: 1,952 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Pleased to hear kitchen makes you happy. It’s worth it then. 

    I can’t help re the mugs, it’s the same here. 😂😂
  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    maggiem said:
    Pleased to hear kitchen makes you happy. It’s worth it then. 

    I can’t help re the mugs, it’s the same here. 😂😂
    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.
  • KajiKita
    KajiKita Posts: 7,883 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    There’s a mug coven here too … mostly Mr KK’s … as is most of the stuff in this house! 😉😂

    How about getting ALL the mugs out at once. 
    Deciding immediately which ones are emotionally important - they stay. 
    Then, have a couple of ‘workmen’s mugs’ - so big, chunky, robust, not too worried if they get chipped / broken. 
    Then define mugs for visitors - would 4 be enough for that, on top of the emotional mugs? 
    Then the rest, GO! 😉

    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 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £339 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. 
  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    There’s a mug coven here too … mostly Mr KK’s … as is most of the stuff in this house! 😉😂

    How about getting ALL the mugs out at once. 
    Deciding immediately which ones are emotionally important - they stay. 
    Then, have a couple of ‘workmen’s mugs’ - so big, chunky, robust, not too worried if they get chipped / broken. 
    Then define mugs for visitors - would 4 be enough for that, on top of the emotional mugs? 
    Then the rest, GO! 😉

    KK
    Sounds great in theory! Will try again when I am not tired. 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.
  • jwil
    jwil Posts: 22,067 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    With the mugs, keep the ones you love and get rid of the rest.  If you love them all can you repurpose some?  Pen holder, plant pot etc?
    "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 McGee
  • redofromstart
    redofromstart Posts: 5,867 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Hurrah for the kitchen!

    I started by deciding how much space I had for mugs which in turn dictated how many I could keep.  I then removed the ones that would be my last choice to drink from, the ones that only get used if someone hasn't turned the DW on for days, the ones that 'would do', the pretty but impractical until I got down to the ones that I like, that I use regularly and that fit in the available space even if the DW is empty.  I kept two of the chunky ones to use with the builders.  

    The jury is still out on some huge but thin china cups that are just a bit too heavy for me once full of tea. I may repurpose them for the garden - bulb in plant pot in the mug - because Mr Redo loved them. 
  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    jwil said:
    With the mugs, keep the ones you love and get rid of the rest.  If you love them all can you repurpose some?  Pen holder, plant pot etc?
    I do that already. 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: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hurrah for the kitchen!

    I started by deciding how much space I had for mugs which in turn dictated how many I could keep.  I then removed the ones that would be my last choice to drink from, the ones that only get used if someone hasn't turned the DW on for days, the ones that 'would do', the pretty but impractical until I got down to the ones that I like, that I use regularly and that fit in the available space even if the DW is empty.  I kept two of the chunky ones to use with the builders.  

    The jury is still out on some huge but thin china cups that are just a bit too heavy for me once full of tea. I may repurpose them for the garden - bulb in plant pot in the mug - because Mr Redo loved them. 
    Lovely idea to reuse the ones Mr Redo loved 🥰 
    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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