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Baby steps to mortgage freedom for beanielou.

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Comments

  • Watty1
    Watty1 Posts: 7,675 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Fingers crossed it goes well.
    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 !!
  • KajiKita
    KajiKita Posts: 9,154 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    My mum has just phoned. It’s a go for tomorrow and she’s first on the list. I think she’s a bit scared and I’m apprehensive! 
    Awww … good luck to her and hugs to you x Hope it goes really well.

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 2 books of target 52 in 2026 as @ 4th January 
    Produce tracker: £10 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • beanielou
    beanielou Posts: 97,659 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Watty1 said:
    Fingers crossed it goes well.
    KajiKita said:
    beanielou said:
    My mum has just phoned. It’s a go for tomorrow and she’s first on the list. I think she’s a bit scared and I’m apprehensive! 
    Awww … good luck to her and hugs to you x Hope it goes really well.

    KK
    Thanks so much x
    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.
  • jwil
    jwil Posts: 22,902 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope all goes ok for your Mum today x
    "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
  • Newstartforme
    Newstartforme Posts: 295 Forumite
    100 Posts Name Dropper
    Good luck to your mum , try not to worry x
  • Sun_Addict
    Sun_Addict Posts: 24,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope all goes well for your mum. At least she’s getting it over and done with early in the year. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • skint_spice
    skint_spice Posts: 13,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope all goes well today x
    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: 97,659 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    jwil said:
    Hope all goes ok for your Mum today x
    Good luck to your mum , try not to worry x
    Hope all goes well today x
    Thank you so much x
    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: 97,659 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope all goes well for your mum. At least she’s getting it over and done with early in the year. 
    Yes. The recovery time is about 6 months. So the worst of it will be over the time of year she’s slightly less active and it will certainly curtail her socialising in the short term! 
    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: 97,659 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So assuming she’s gone to surgery as she was was first on the list. Surgery time is about 3 1/2 hours. Not expecting to hear anything for a while. I’m feeling calmer than yesterday 🤷‍♀️
    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.
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