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Baby steps to mortgage freedom for beanielou.
Comments
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Beanie so sorry to hear about the lodger. I hope that you aren’t affected by a benefit changes especially PIP. I can’t say what I really want to as it wouldn’t be PC 😂. I hope the neighbour stops causing you stress as well .Life is an adventure, never stop exploring.5
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Thank you 🤩Sunshine_girl2 said:Beanie so sorry to hear about the lodger. I hope that you aren’t affected by a benefit changes especially PIP. I can’t say what I really want to as it wouldn’t be PC 😂. I hope the neighbour stops causing you stress as well .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 -
Sorry to hear about the lodger. Hope you aren't impacted by the benefit changes. It's so ridiculous."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 McGee3
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Thanks. It’s really beyond belief.jwil said:Sorry to hear about the lodger. Hope you aren't impacted by the benefit changes. It's so ridiculous.As if people choose to be born with a disability or to become disabled. Or unwell.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.6 -
Ah no I hadn't realised the lodger had gone, are you holding the room for her? Or has she moved out? Will you look to re-rent it out?
Feel for you with the neighbours, I've moved around a lot and I have had some truly awful ones who don't take into consideration any neighbours with their plans (that affect neighbours!)MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Yes. Keeping the lodger’s room. All her work stuff is still here. Certainly wouldn’t look for another one. This one just fell into my lap.debtfreewannabe321 said:Ah no I hadn't realised the lodger had gone, are you holding the room for her? Or has she moved out? Will you look to re-rent it out?
Feel for you with the neighbours, I've moved around a lot and I have had some truly awful ones who don't take into consideration any neighbours with their plans (that affect neighbours!)
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 -
The benefit changes are ridiculous and badly thought through.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 29/7/253 -
They really are.savingholmes said:The benefit changes are ridiculous and badly thought through.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 -
Well. The last week of April has been pretty horrendous.My very good friend has been diagnosed with cancer & it’s in two sites. Possibly three.Another friend has been diagnosed with something else after two ambulance trips to the hospital.Another friend lost one of their sons to a cardiac arrest.My mum is to have a shoulder replacement surgery quite soon.I am still reeling. Absolutely reeling.It’s hard with everything happening so close together.I had another injection yesterday in my right shoulder yesterday and will have the left one done in a couple of weeks for the first time.The positives have been the cats and the sunshine.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.9 -
Oh Beanie sorry to read all this bad news. Fingers crossed that your friends will get better with treatment.Sending you a virtual hug xI get knocked down but I get up again (Chumbawamba, Tubthumping)3
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