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Baby steps to mortgage freedom for beanielou.

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Comments

  • beanielou
    beanielou Posts: 99,556 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    The seller has said they will send two more. Let’s see.
    I am still struggling with my MH at the moment and feel everything is like wading through treacle. I have no faith in my surgery & their MH support. They seem to be only interested in whether you intend to take your life and other than that you are on own. How I miss my sadly missed retired GP.
    I just no longer seem to have any mental resilience and I’m worn out. I know this is not unique to me.

    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.
  • KajiKita
    KajiKita Posts: 10,077 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 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 31 books of target 52 in 2026 as @ 7th May. 
    Produce tracker: £108 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: 10,693 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 goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 14/24

  • beanielou
    beanielou Posts: 99,556 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. 19months left.
  • milann
    milann Posts: 11,761 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: 25,454 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)
  • 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.

    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.
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