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Baby steps to mortgage freedom for beanielou.
Comments
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Huge gentle hugs xbeanielou said:Struggling today. Physio was here this morning.The form is now complete.I am feeling tearful & dident sleep well last night.
Massive well done in getting the form done so quickly 👏 Is that it now or did you say something about needing input from the GP?Hope you sleep a bit better tonight with having cleared the first hurdle in the (frankly 🤬 unnecessary) process.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 = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.2 -
I send the form away. They will then get in touch with my GP.KajiKita said:
Huge gentle hugs xbeanielou said:Struggling today. Physio was here this morning.The form is now complete.I am feeling tearful & dident sleep well last night.
Massive well done in getting the form done so quickly 👏 Is that it now or did you say something about needing input from the GP?Hope you sleep a bit better tonight with having cleared the first hurdle in the (frankly 🤬 unnecessary) process.KKThank you xI 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 -
Just to help karma along - do you know how easy it is to check if a vehicle has tax & MOT. I only know because a friend of mine who used to have trade plates to move his vehicles from one site to another, kept getting reported by a neighbour very like yours.4
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I hope a pestilence of cats descend to poop on his lawn!Mortgage OP 2025 £6250/7000Mortgage 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)5 -
I hope this is all resolved quickly for you and I hope karma bites him on the rear!"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 McGee2
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Another night of really poor sleep. Bah.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 -
You are right it was Khan in the film the Wrath of KhanKajiKita said:
No, don’t think so. Machiavelli maybe 🤔badmemory said:And the nomination for a***ole of the year is-----. Always remember though that revenge is a dish best served cold. Was that Klingon?
Klingon would be be more along the lines of “I will tear your heart out, eat it and ensure your dishonour stains all generations of your family.” …. 😉 (I’m watching a lot of Star T atm … 😊)
KK
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Look after yourself and maybe chat to GP about the dvla thing and how it will impact you to be without a carDON'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#latest4 -
Yes. Will do at some point.LadyWithAPlan said:Look after yourself and maybe chat to GP about the dvla thing and how it will impact you to be without a carI 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 done on the form progress. Take careIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720254
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