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Baby steps to mortgage freedom for beanielou.
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Don't feel bad beanie- you need the occasional treat to enjoy life and to help you stay on the waggon.MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.141
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Well done with your OP so far. I am going to try adopt your approach and OP money you weren't expecting as it comes in. Good luck with 2015!Mortgage [STRIKE]£269,000[/STRIKE] £258,987 / MF date [STRIKE]June'49[/STRIKE] June'49
Debt £24,990 / Debt Free Est. May'21
Updated 06/05/181 -
Spending money to go out.
Life is for living, not for existing. For now, live in the lives of your friends and family, not in their memories - there's enough time for that later."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'1 -
Well done with your OP so far. I am going to try adopt your approach and OP money you weren't expecting as it comes in. Good luck with 2015!
Thank you
Life is for living, not for existing. For now, live in the lives of your friends and family, not in their memories - there's enough time for that later.
I know Z.Especially as have to use WC more.
But mortgage stresses me out so much because of uncertainty of being able to pay it.
Been on MFW 15 thread and some make OP's each month of more than my monthly payment.Boo.So feeling very thoroughly deflated at the moment.
However I have made up a bag of bits & bobs for the new local food bank so that is good.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.1 -
I know Z.Especially as have to use WC more.
But mortgage stresses me out so much because of uncertainty of being able to pay it.
Well you're going the right way to sort that problem - but ultimately, you can only do what you can do.Been on MFW 15 thread and some make OP's each month of more than my monthly payment.Boo.
But is it more than *their* monthly payment? Everyone has difference resources, and different problems - think of yourself as doing well because you're doing it on limited resources.So feeling very thoroughly deflated at the moment.
However I have made up a bag of bits & bobs for the new local food bank so that is good.
:grouphug:
Don't forget a toilet-roll Red-Cross parcel for Butti...
"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'1 -
Hi Beanie, just found your diary, we have bumped into each other on various threads and I would like to cheer you along if I may?
How much others overpay is relative to their income and their situation, please do not feel down because you are paying less, just keep picking a little off the total as and when you can, as said by your friends on here, every pound is a pound that you will not pay interest on again:AThe best thing about the future is that it comes one day at a time. (Abraham Lincoln)1 -
Thank you maddiemay
Could be worse right enough Z~~ I might not have enough loo roll :eek: :rotfl: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.1 -
comparison is the thief of joy, Beanie. You have no control over what others do. You CAN influence and control what you do.
Your MFW15 target maybe humble, but it is a positive step in the right direction. There are millions of people out there who would never dream of making sacrifices or changing their priorities so that they could OP, even if by a little.
why not set your self some challenges or mini goals, so that you can celebrate your progress, no matter how long the road ahead? Whether it be making money/savings and using the money to OP, or reaching a £1k captial reduction, or tracking the fall of your daily interest, it sounds like you could do with a morale boost ATM.
maybe post an SOA so people can offer advice?know thyselfNid wy'n gofyn bywyd moethus...1 -
I can help with the loo roll. Found a 24 pack I'd been assured we didn't have. How can someone miss seeing 24 toilet rolls?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 determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.1
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in_need_of_direction wrote: »I can help with the loo roll. Found a 24 pack I'd been assured we didn't have. How can someone miss seeing 24 toilet rolls?
They're round, white and have a hole in them. They were obviously Polos..."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'1
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