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Baby steps to mortgage freedom for beanielou.

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Comments

  • beanielou
    beanielou Posts: 96,909 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Aw glad you've got a wee chocolate advent calendar to look forward to. I was thinking the other day about when I was a kid at Christmas and getting a selection of chocolate bars, packaged in the shape of a stocking, was the most exciting thing ever. Probably still would be 😁
    I remember them too 😹
    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: 8,619 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    I’m glad you treated yourself. I’m old enough to remember the advent calendars where you opened the window and got a picture of a star or a donkey etc, how things have changed 🤣
    Yes! I do too. How boring were they! 
    I hope they’re not toooo boring … I bought a new one for Mr KK for December this year as he was pining after one last year! 😂

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 62 books of target 52 in 2025, as @ 4th November 
    Produce tracker: £426 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: 96,909 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    beanielou said:
    I’m glad you treated yourself. I’m old enough to remember the advent calendars where you opened the window and got a picture of a star or a donkey etc, how things have changed 🤣
    Yes! I do too. How boring were they! 
    I hope they’re not toooo boring … I bought a new one for Mr KK for December this year as he was pining after one last year! 😂

    KK
    I was wee and wanted one with sweets! 🍫 
    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: 8,619 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    KajiKita said:
    beanielou said:
    I’m glad you treated yourself. I’m old enough to remember the advent calendars where you opened the window and got a picture of a star or a donkey etc, how things have changed 🤣
    Yes! I do too. How boring were they! 
    I hope they’re not toooo boring … I bought a new one for Mr KK for December this year as he was pining after one last year! 😂

    KK
    I was wee and wanted one with sweets! 🍫 
    Awww … bless … 😊❤️

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 62 books of target 52 in 2025, as @ 4th November 
    Produce tracker: £426 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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,707 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm fond of an old school sparkly advent calendar with little pictures 🥰 I'm also fond of a chocolate one 🤭 and we have a lovely one that's kind of a fold out book which we bring out every year, so it's quite possible we'll end up with three 😂
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