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Baby steps to mortgage freedom for beanielou.
Comments
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Hopefully temporary. It’s hard when you only have one income & have to pay for housework to be done & all sorts of other tasks ie the weeding & fence painting etc. As you say the cost of living just keeps getting higher. I have just ordered a months worth or even less of ‘products’ & there’s a £100 quid.Newstartforme said:Sorry to hear you are out if sorts Beanie , not easy ending a friendship but sometimes enough is enough . Are the money worried temporary ? Or due to work on house , generally the cost of living is so hard 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 -
You can only cut back so much , paying for the housework will be a big expense but much more sensible than you doing it and being at risk of a fall xx2
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I sadly agree. Of corse the 50 quid a week for physio also adds up. No wonder I'm skint xxNewstartforme said:You can only cut back so much , paying for the housework will be a big expense but much more sensible than you doing it and being at risk of a fall xxI 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 -
Coming back to the £50 quid for physio it is one of my bugbears. I suppose seeing everything written down makes me see that most of my money goes on supporting my life long disability. Mmmm.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 -
It's awful that you can't get it on the NHS.beanielou said:Coming back to the £50 quid for physio it is one of my bugbears. I suppose seeing everything written down makes me see that most of my money goes on supporting my life long disability. Mmmm."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 -
It is but sadly the NHS no longer do the hands on of years ago & also don't support CP patients in the long term.jwil said:
It's awful that you can't get it on the NHS.beanielou said:Coming back to the £50 quid for physio it is one of my bugbears. I suppose seeing everything written down makes me see that most of my money goes on supporting my life long disability. Mmmm.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 so hard isn't it....beanielou said:
Thank you. I know you get it. It’s my job to let him fly and not hold him back.in_need_of_direction said:Beanie, I get how hard it is when they move away but you are to be admired for showing your independence and allowing him to make that decision. Take care
Sorry about the loss of your recent friendship and continuing money struggles. Glad the lodger is back.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/252 -
The physio and support you need should be on the NHS….it make me so mad. 😡 I’m sure the powers that be should realise it’d save money in the long run to keep folk as mobile as possible for as long as possible…..along with all the other feel good factors that go with doing the best we can. They need to treat folk as a whole person and not a condition of whatever part of the body is affected. Right I’m off me soapbox now 😂😂
I bet the fence will look great once it’s finished .
January spends - £587.584 -
If the physio helps it's definitely worth it but as you say a huge part of your income is getting spent on your disability which doesn't seem fair xx3
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Totally agree with Milann- just don’t start me on hospice services being provided by charities in what is allegedly a first world countryMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.5
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