We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Baby steps to mortgage freedom for beanielou.

124862487248824892491

Comments

  • Jessy103
    Jessy103 Posts: 2,533 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    You've completely smashed it, Beanie. You should feel proud of yourself x
    Starting Mortgage Balance (June 2019) £72,000. Mortgage Free November 2025!
  • Humdinger1
    Humdinger1 Posts: 2,646 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Be proud @beanielou; you are a shining star of inspiration.   Love Humdinger xx 
  • beanielou
    beanielou Posts: 97,609 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Jessy103 said:
    You've completely smashed it, Beanie. You should feel proud of yourself x
    The kitchen loan will be over before you know it!
    You are doing so well
    Happy New Year
    Be proud @beanielou; you are a shining star of inspiration.   Love Humdinger xx 
    Thank you all. 

    I don’t take it lightly. I remember times when I couldn’t afford shoes for DS or trousers and had to put food on my CC. 
    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.
  • milann
    milann Posts: 11,591 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Happy New Year Beanie. 
    You have done so well even though you often don’t give yourself credit 👏👏 Like you said you’ve come from some really hard times and I know you’ve inspired others along the way. You’re at a point now that you never thought you’d get to 👏👏. Here’s to a great 2026 for you and yours 👍🥂
    I’m glad you enjoyed Christmas with ds and your maw.
    As for your mum panicking when you fall and never getting used to it….i can completely empathise with her as I’m exactly the same with my grown up ds…..different condition to you, I know…..but each time he has a setback and injury it takes me back to when he was tiny and I was helpless to do much to help. An unfounded sense of guilt or something that we can’t do more to prevent things happening but It is what it is 🥴🥴
    I think of you every time the weather forecast shows snow in Scotland.
    A friend of mine who is in her 70s is worried about when the time to give her car up and stop driving is making herself get a train for a train ride and getting used to it so that if she should ever need to give up she can at least get for some outings as she’s already used to it. I know we’re lucky to have a better public transport system than near you though. I think a hybrid is a great idea for you. 
    January spends - £587.58
  • beanielou
    beanielou Posts: 97,609 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Just come to the end of reading your diary from end September beanie!  You've had so many ups and downs in that space of three months!  You're such an inspiration!  I'm so pleased you managed to sort out the UC and that DS spent Christmas with you and is forging ahead nicely for the future. 
    A very Happy New Year to you and I hope 2026 brings you all that you desire. ❤️
    Xxx
    Wow. Imagine reading all that. 
    Thank you xxx
    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.
  • beanielou
    beanielou Posts: 97,609 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    milann said:
    Happy New Year Beanie. 
    You have done so well even though you often don’t give yourself credit 👏👏 Like you said you’ve come from some really hard times and I know you’ve inspired others along the way. You’re at a point now that you never thought you’d get to 👏👏. Here’s to a great 2026 for you and yours 👍🥂
    I’m glad you enjoyed Christmas with ds and your maw.
    As for your mum panicking when you fall and never getting used to it….i can completely empathise with her as I’m exactly the same with my grown up ds…..different condition to you, I know…..but each time he has a setback and injury it takes me back to when he was tiny and I was helpless to do much to help. An unfounded sense of guilt or something that we can’t do more to prevent things happening but It is what it is 🥴🥴
    I think of you every time the weather forecast shows snow in Scotland.
    A friend of mine who is in her 70s is worried about when the time to give her car up and stop driving is making herself get a train for a train ride and getting used to it so that if she should ever need to give up she can at least get for some outings as she’s already used to it. I know we’re lucky to have a better public transport system than near you though. I think a hybrid is a great idea for you. 
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • skint_spice
    skint_spice Posts: 13,626 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    20 years! Wow! Although I have to say I feel the same way DF, over half the mortgage gone and I met my bestie here too.
    Mortgage OP 2026 £50/2000
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £33,546

    Make £50 a month Jan £0
    Boiler fund £925/3000

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 97,609 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    20 years! Wow! Although I have to say I feel the same way DF, over half the mortgage gone and I met my bestie here too.
    Quite incredible really. 

    Currently-5 here. Cold oh so cold. 
    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.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353K Banking & Borrowing
  • 254K Reduce Debt & Boost Income
  • 454.8K Spending & Discounts
  • 246.1K Work, Benefits & Business
  • 602.2K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 260K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.