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Baby steps to mortgage freedom for beanielou.

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Comments

  • beanielou
    beanielou Posts: 99,611 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks milann. 
    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*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Jessy103
    Jessy103 Posts: 2,680 Forumite
    Ninth Anniversary 1,000 Posts Mortgage-free Glee! Name Dropper
    Glad you got to go out with friends, it's important to spend quality time together x
    I've been mortgage free once, so let's do it again!
    Starting balance March 26 £191,274.53
  • Bananabreadyum
    Bananabreadyum Posts: 169 Forumite
    100 Posts Name Dropper Photogenic
    Ooh mac and cheese, proper comfort food! 
    Sorry to hear your gp is retiring. Especially as it's a good one. I honestly don't even know my GPS name
  • jwil
    jwil Posts: 23,487 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Mac and cheese sounds lovely!

    Sorry about the GP, that's a long time to have some consistency!
    "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
  • savingholmes
    savingholmes Posts: 29,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about your GP. Hopefully yiur next one will be supportive too.

    Hard about your friend 🧡 Good you  could help 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
    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 £5.4K updated 8/5/26
  • Sun_Addict
    Sun_Addict Posts: 25,486 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We used to have a lovely GP, so caring, he retired 😞 Unfortunately we now have a practice where you don’t know who you’ll be seeing. Thankfully I rarely visit a GP, can’t remember the last time I saw one. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 99,611 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    THanks everyone.

    Been out for lunch with my maw today. Still tired.
    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*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Watty1
    Watty1 Posts: 8,242 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry about GP. I've rarely seen same GP twice!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
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