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Baby steps to mortgage freedom for beanielou.
Comments
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Hope you feel better soon x
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.09.26 = £3442
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 💚
Clear V12 Finance Starting Balance 05.07.26 £600 Cleared 12.08.26 💚
Clear Barclaycard Starting Balance 12.08.26 £940 Current Total 01.09.26 £742
2 -
Well done on the shower, hope it made you feel a bit better. Take the rest of the weekend gently if you can?
KK
As at 26.09.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £210,560
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 69 books of target 52 in 2026 as @ 26th September.
Produce tracker: £329 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.3 -
Thanks. Having a PJ day.
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.1 -
Have another PJ day tomorrow. I know you're unfortunately more used to it than most but your body and mind have still had a shock, and it's not like they don't have enough extra to deal with as your normal baseline!
Make it a nice thing to heal, is there a candle you can light, a book or telly binge watch you've been looking forward to you can indulge in, nice drinks and food you can easily have ready to enjoy?
Says she who has cpc flare-ups and just deeply resents it and is bad tempered and tries to struggle through, ineffectively and sulkily x
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
Absolutely hear you on the resentment.
I think the whole episode has shaken me up far far more than I expected. The whole not being able to get up unaided. The traffic. I think your adrenaline takes over and then you hit the wall. I have eaten crap today.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.5 -
That is scary and it's okay for you to feel shaken up and take time to heal from it. If you need comfort crap then that is what you need. Hope you've had at least a teeny bit nicer day today
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty4 -
Thanks @PennysIntoPounds.
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.2 -
I think we'd all be eating crap in the circumstances beanie, I know I would! Look after yourself, and that includes no beating yourself with a big stick, even mentally! Xxx
4 -
Honestly eating crap seems a normal reaction. I hope things improve soon.
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 !!2 -
Thank you both xx
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.2
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