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Baby steps to mortgage freedom for beanielou.

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Comments

  • KajiKita
    KajiKita Posts: 10,748 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Sending hugs Beanie x

    What small thing could you do just for you this weekend?

    KK

    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 66 books of target 52 in 2026 as @ 10th September. 
    Produce tracker: £315 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,999 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Oh beanie 🫂 big hugs. I've felt similar to where you're at recently, health issues seem to make everything worse. When you've got your health you can make the best of most other things but without that it feels it impacts every part of your life including mental health. Have you tried somewhere like the Samaritans that you can ring? Or there are ones that you can text I've heard too which might be helpful to you on a low day. Xx

    Emergency Fund - £1000 
    Baby cash emergency fund £210/250 
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 24/24

  • beanielou
    beanielou Posts: 101,202 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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. 13 months left.
  • milann
    milann Posts: 11,850 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker

    Sorry you’ve lost faith in your GP…..a good GP that listens is worth its weight in gold.
    Hang on in there…..

    Sending lots of positive vibes your way …..and of course virtual raspberry gin 🍹

    January spends - £587.58
  • Sun_Addict
    Sun_Addict Posts: 26,153 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Sorry to hear about the broken pasta bowls, I hope they get replaced.

    Also sorry you’re feeling so low. We also had a brilliant GP who sadly retired and replaced by ones that have no personal knowledge or interest in you.

    Have you tried affirmations or meditations to help with your MH. There are some lovely ones on the FitOn app which is free to use and no ads. I’ve found they help me cope when Mr SA is stressing me out.

    I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
  • beanie please stop selling yourself short. Sometimes when I feel like getting out of bed is more hassle than it’s worth, I read about all the things you do and how you keep plodding and I am humbled. You truly are inspiring.

    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
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