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Baby steps to mortgage freedom for beanielou.

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Comments

  • milann
    milann Posts: 11,474 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    How long have you got left on your loan now then Beanie. I’m guessing the idea is to pay the loan and minimum payments on cc then once loan is gone get rid of cc too. Simples - if only :p

    I’m sorry you have hurt your back - are you using an aid to help you steady yourself yet. I really feel for you - it’s a horrible being in constant fear of falling and I don’t fall anywhere near as much as you :A:A
    January spends - £587.58
  • beanielou
    beanielou Posts: 96,230 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    milann wrote: »
    How long have you got left on your loan now then Beanie. I’m guessing the idea is to pay the loan and minimum payments on cc then once loan is gone get rid of cc too. Simples - if only :p

    I’m sorry you have hurt your back - are you using an aid to help you steady yourself yet. I really feel for you - it’s a horrible being in constant fear of falling and I don’t fall anywhere near as much as you :A:A

    Yes that's the plan.
    The loan first & then the CC.

    Yes, I always use an aid, or two, on the days that I feel really wobbly.
    When I am out.
    The worst is trying to cross the road or go down kerbs.
    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: 96,230 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I have been invited to a civic reception in a couple of weeks.
    Doubt I will go for two reasons.
    I hate hate driving in the dark & I wont really know anyone.
    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.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Had a catch up with a friend.

    Big thanks to my friend Buffster for the surprise delivery today.
    Munching as we speak xxx


    GOOD.

    I have pondered doing the same with my loan. As I think the incentive would be greater to pay it off.

    But I am not sure - much like you having it two places it might bother me in the same way!
    Nevertheless she persisted.
  • beanielou
    beanielou Posts: 96,230 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Buffy~~thanks again.

    I just wish I had left the loan as it was.
    Not MSE but better for my mental health.
    Anyway it is done now & nothing I can do about it.
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,271 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's done now Beanie and if it's better for your mental health then so what if it's not MSE xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • doingitanyway
    doingitanyway Posts: 10,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Without your mental health there is no MSE so you did right beanie.
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • beanielou
    beanielou Posts: 96,230 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sun_Addict wrote: »
    It's done now Beanie and if it's better for your mental health then so what if it's not MSE xx
    doingitanyway wrote: »
    Without your mental health there is no MSE so you did right beanie.

    Which is why I should have left it all in one place:o
    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.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's done now so try not to worry about it. How quickly can you pay off the loan?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • beanielou
    beanielou Posts: 96,230 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    HairyHandofDartmoor wrote: »
    It's done now so try not to worry about it. How quickly can you pay off the loan?

    Not quick enough:rotfl:


    All depends on how much I can afford to overpay.
    Which at the moment is diddley squat.
    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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