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Baby steps to mortgage freedom for beanielou.

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  • beanielou
    beanielou Posts: 96,083 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Wise words my friends :)
    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.
  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
    Also coming on to give my support, your freedom and mental health are very valuable - more valuable than money.

    But I understand it's a tough one for you, and I just wanted to give you a hug too x
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • beanielou
    beanielou Posts: 96,083 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    earthgirl wrote: »
    Also coming on to give my support, your freedom and mental health are very valuable - more valuable than money.

    But I understand it's a tough one for you, and I just wanted to give you a hug too x

    Thank you :) x
    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: 96,083 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Pooky wrote: »
    But it's not a negative thing, it's a positive thing. It's not sad that you can have a better quality of life, it's not sad that you'll have more confidence getting out and about. There's a solution out there for you and that's brilliant.

    It's not giving up or giving in, it's moving on with the rest of your life in a positive way. The time to be sad is when there's no options left.

    DH didn't want to use a mobility scooter in his late 30's but after realising just how much life it opened back up to him, he was away and scooting! As you've seen, we get up to all sorts, without the scooters I think he'd have done something silly by now. Being able to get out and about independently and safely is a huge thing, a really positive thing.

    I get this I really do.
    Thank you :)
    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
    Oh my word. Beanie - listen to your friends, and the variety and depth of what everyone's saying. Let it seep in, and then go for it.
    xxx
    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 96,083 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I think it’s great that you still have so many reasons to be out and about.


    You are right.
    I do try hard to do my bits & bobs & get out.
    Good for my mental health.
    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: 96,083 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    teafor2 wrote: »
    Morning Beanie :) I agree with everything everybody has said about getting the scooter. But I also understand how you must feel about the whole situation. However, that feeling is stemming from where you're sat now. I'm sure when you get it and you're whizzing around doing whatever you want to do whenever you want to do it, you'll look back and think, should have got one sooner. ;)

    I really wouldn't worry about the money. Clearing the CC is great but you know you're disciplined enough to do that while also paying down the mortgage and other things. This is a spend that's worth so much more than just money. :)

    Have a lovely day. xx

    I get this.
    Thank you :) 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.
  • beanielou
    beanielou Posts: 96,083 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    gallygirl wrote: »
    I COMPLETELY disagree with you beanie :cool:. MSE is not about not spending money, but thought-out spending done as economically as possible.



    I hope it brings you freedom :).

    I hope it does bring me more freedom.
    I think it just goes against the grain to add to my debt when I have tried so hard to get rid of it.
    But, I do know it makes sense.
    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: 96,083 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Butti wrote: »
    .....and I love this one too, although Pooky always did talk sense. Cmon Beanie, get your head in the right place and get on with it. Spending money wisely is good but you don't want to go down the route of it being a false economy. Buy what is best for you.

    Yes, Butti :p
    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: 96,083 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    milann wrote: »
    Beanie once you get a scooter I suspect you will wonder how you ever managed without it - it will make such a difference.
    Something I asked a family member who struggled going from walking gingerly to using wheels - ‘if you see somebody on a scooter - would you think less of them because of it....?
    Be kind to yourself Mrs :beer::beer:

    I do try.
    I just struggle with the being kind bit.
    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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