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Baby steps to mortgage freedom for beanielou.

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Comments

  • beanielou
    beanielou Posts: 96,793 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Eager_Elephant wrote: »
    Just checking that you apply for the Warm Home Discount of £140 via your electric supplier?

    I do. Thanks EE.
    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.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Sorry its still so bad, beanie. I'm with the others - don't stop posting! Though one thing I do remember doing is the gratitude exercise, which really does help - three things that you're grateful for during each day. The colour of the sky (!), the attitude of someone that helped you, a tv programme you enjoyed (the joy of Have I Got A Bit More News For You is not to be underestimated!).

    Lots of hugs.
    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 96,793 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Karmacat wrote: »
    Sorry its still so bad, beanie. I'm with the others - don't stop posting! Though one thing I do remember doing is the gratitude exercise, which really does help - three things that you're grateful for during each day. The colour of the sky (!), the attitude of someone that helped you, a tv programme you enjoyed (the joy of Have I Got A Bit More News For You is not to be underestimated!).

    Lots of hugs.

    Thank you Karmcat :) 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*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • EssexHebridean
    EssexHebridean Posts: 24,757 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Agree with those saying keep posting, but ONLY if it's not making you feel worse about things. I think it's important to remember that we ALL go through good times and bad times - and you've been such a support for others on here, now maybe it's time to let others pay that forwards and be a support to you?

    I nearly ran out of milk yesterday - can you use the bottle from the one that went off, well washed out, to put an "emergency bottle" in the freezer in case that happens again? Might get you out of trouble and save you going out specially particularly if the weather is pants.
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Betterthanever
    Betterthanever Posts: 584 Forumite
    500 Posts Third Anniversary Combo Breaker
    Good idea re the milk, EH! Another option is a small carton of longlife in the cupboard. Doesn't taste quite the same as fresh but a whole lot better than off-milk!
  • beanielou
    beanielou Posts: 96,793 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great ideas on the milk.
    Thanks EH & Betterthanever :)
    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.
  • doingitanyway
    doingitanyway Posts: 10,435 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    beanielou wrote: »
    So from now on in I am going to try hard to only concentrate on the mortgage free part of this diary which is what is was for.
    I will not be posting so much.
    What????
    I know I am being supremely selfish but your posts keep me going sometimes. I find this malarky so hard sometimes, so please keep posting. Pretty please...
    I hope today has been kind to you :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • beanielou
    beanielou Posts: 96,793 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    doingitanyway wrote: »
    What????
    I know I am being supremely selfish but your posts keep me going sometimes. I find this malarky so hard sometimes, so please keep posting. Pretty please...
    I hope today has been kind to you :)

    i will be posting but trying to keep it to the MSE side of things & not the moaning part.

    Today I am grateful for a lovely friend who took me out for coffee & cake :)
    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.
  • michelle09
    michelle09 Posts: 912 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    Hooray for your lovely friend. Hope that helped keep your spirits up today.
  • ZTD
    ZTD Posts: 24,327 Forumite
    edited 17 October 2017 at 8:17PM
    beanielou wrote: »
    Missed us so far.
    To peak through the night.

    Did you sleep well through it? A guy at work didn't sleep a wink worrying his roof was about to do a whistle-stop tour of his neighbour's gardens.
    beanielou wrote: »
    Have no milk.Tis off:(
    EssexHebridean wrote: »
    I nearly ran out of milk yesterday - can you use the bottle from the one that went off, well washed out, to put an "emergency bottle" in the freezer in case that happens again? Might get you out of trouble and save you going out specially particularly if the weather is pants.

    I found a better idea was to freeze "milk cubes". You can then just use enough to suit and keep the rest for when they're needed. And they defrost quick too.

    Don't keep them too long before using though, as the water sublimes and you end up with essentially dried milk powder cubes.

    Which work - don't get me wrong - but are a little hard to dissolve.
    beanielou wrote: »
    i will be posting but trying to keep it to the MSE side of things & not the moaning part.

    Sometimes it's good to get it off your chest. Though I probably moan too much about other people's driving... :o
    beanielou wrote: »
    Today I am grateful for a lovely friend who took me out for coffee & cake :)

    A friend indeed! :T :beer:
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."     OMD 'Julia's Song'
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