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Baby steps to mortgage freedom for beanielou.

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  • doingitanyway
    doingitanyway Posts: 10,176 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    beanielou wrote: »
    The mortgage has dropped into the last 1K.
    The CC has also dropped into another milestone :)
    Amazing. Well done :)
    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
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Honestly Beanie, I don't think you know how many just on here you have helped - I wouldn't be here and posting if it wasn't for your friendship. and in real life you must be such a force for good XX

    You are wonderful XX

    Totally agree with this x
    beanielou wrote: »
    The mortgage has dropped into the last 1K.
    The CC has also dropped into another milestone :)

    Amazing news :D
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    beanielou wrote: »
    The mortgage has dropped into the last 1K.
    The CC has also dropped into another milestone :)


    :T:T:j:beer: woop woop there's a fabulous acheivement!
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    The mortgage has dropped into the last 1K.
    The CC has also dropped into another milestone :)

    OH GET IN!

    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

    Brilliant news. XXX
    Nevertheless she persisted.
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Karmacat wrote: »
    You know it's about being bullied as a child - and I'm guessing it was really, really bad to have such a huge effect on you. Have you ever worked on it in counselling? Because it sounds like an open wound still, honey, it really does. Affording counselling is probably out of the question, but a self help group, even one like CODA if you can still find it, or a self help website or book to work through - they can help too. My lifesaver, introduced to me a couple of years ago by an mse forum member, is Captain Awkward. I lived in the archive there for about 6 months, and it made me feel a *lot* better about being who I am, and that's been permanent.

    Thinking of you xxx


    There are some places that offer low cost counselling - I am paying for mine but chose somewhere that has a sliding scale so my payments help make it available for someone else too. I was not at all convinced it would help and horrified at the spend, but almost a year later it's coming to a close and I think it's possibly the best value I've ever had. Treating open wounds is a very good description - it hasn't changed what I do, so much as my feelings about myself and my decisions.
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi Beanie, how are you feeling today? Some good food for thought there regarding counselling from people who've had it.

    Fantastic news that you're in the last £1k of your mortgage.:j Your first post on here in November 14 said you had 6 1/2 years to go so you've knocked quite a bit of time off over the years :T Absolutely Brilliant. xx
  • jwil
    jwil Posts: 22,243 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congratulations on the mortgage :T :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Sun_Addict
    Sun_Addict Posts: 24,241 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You'll soon be mortgage free :j
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou wrote: »
    The mortgage has dropped into the last 1K.
    The CC has also dropped into another milestone :)

    Whoop whoop!!
    Amazing news, such an achievement Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • taka
    taka Posts: 3,483 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    There are some places that offer low cost counselling - I am paying for mine but chose somewhere that has a sliding scale so my payments help make it available for someone else too. I was not at all convinced it would help and horrified at the spend, but almost a year later it's coming to a close and I think it's possibly the best value I've ever had. Treating open wounds is a very good description - it hasn't changed what I do, so much as my feelings about myself and my decisions.
    There definitely are places that do low cost counselling. I went to a charity run service (with volunteer professional counsellors) over a decade ago. They do expect you to pay something towards the cost if you can but it is done according to affordability. Their website states the cost would be around £45 to 50 for private counselling elsewhere but that their client donations range from less than £5 up to the full amount (plus gift aid if you are a taxpayer since they are a charity). How much is decided (by you!) during the initial assessment and can be adjusted again if need be. I am waiting for a slot again after my initial assessment. :(
    Mortgage free as of 12/08/20!
    MFiT-5 no 45
    You can't fly with one foot on the ground!
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