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Baby steps to mortgage freedom for beanielou.

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Comments

  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You say it isn't the MSE way but if it gives you a better 'quality' of life (I hate that saying) its definitely the right thing to do if you can. I can't see how anyone could disagree that anything that makes it easier for you to do things would be the wrong thing to do. I've spent on things for youngest that we could have managed without, however having them makes a huge difference to what we can do. I have not one single regret about it.

    Take care

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • milann
    milann Posts: 11,524 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Life is for living and doing whatever makes it easier for us to live it has to be good. I think a hoist would make a world of difference to you but only you know if you can make the number crunching work for you. If you can do it - you can get out and about rather than sitting worrying and contemplating about it. In my experience considering something is good but overthinking can cause more problems than it solves. If you do do it - enjoy it and try not to look back saying ‘if’
    Hope that makes sense - I know what I mean but it’s tricky to explain :o:o
    My dh is the worst ever for overthinking - his mum was the same and wouldn’t spend a penny on anything to make her life easier - she sat in most days and became really down instead of using appliances to get herself out meeting people. And the cash she had left was so very nearly scammed from her (and us - it’s still being sorted) I’d have much rather seen her having the odd holiday and getting herself out on a scooter. Rather than paying thousands in solicitors fees to get things sorted - she’d be turning in her grave if she knew what has happened.....
    Sending some positive vibes for decision making over to Bonnie Scotland for you Beanie.
    January spends - £587.58
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Totally agree with WannaBeFree and milann - that was the reasoning behind me getting a new kitchen and paying for it with money I inherited from my mum. I never expected that money, I thought we'd have to pay for social care for a long time and it would all be used up. But when I *did* get it, I decided it had to be used, and some of it had to be used now - I'm not nearly as well as she was, so anything I can do to ease my path is really important, and a better kitchen thats easier to move around in with more storage is absolutely the right thing.

    Same for you, even though it's not inherited money - something that positively affects your standard of living, to such an extent, if you can possibly afford it, you need to go for it.

    I can maybe understand it hurts to have to acknowledge that you need something like a hoist :( I don't think anyone would begrudge you those feelings. But don't let those feelings trap you, either, not when challenging them could give you such a lot more movement. Hope this is okay to write, beanie. xxx
    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 96,770 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thank you Milan & 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.
  • Sun_Addict
    Sun_Addict Posts: 24,449 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I agree with everyone's comments above. You need to make your life easier whether it's the MSE way or not. Do what's best for you xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Bubblesmum
    Bubblesmum Posts: 1,778 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Dearest beanielou

    Your VF on here, have said some very wise things, which I agree with totally.

    I have had a hoist for over a decade, I couldn’t live without mine, - silly question but why do you have to swap cars ? My hoist that was once fitted into my coupe has transferred to my new car, it’s a basic one that lifts lightweight scooters which yours will be and can be added retrospectively, can’t Motability do this for you? It was about £300.

    I know this journey is hard, from one who has come out the other side... it will be worth it xxx
    As a dear MSE friend says “keep plodding” or
    What does the saying say.... When life hands you lemons, make lemonade
    Or as my Mum would say, brush yourself down, tomorrow is another day or
    Fake it, to you Make It

    Please say hello my new diary: https://forums.moneysavingexpert.com/discussion/6578460/still-dancing-to-blow-the-debt-clouds-away
  • beanielou
    beanielou Posts: 96,770 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Bubblesmum wrote: »
    Dearest beanielou

    Your VF on here, have said some very wise things, which I agree with totally.

    I have had a hoist for over a decade, I couldn’t live without mine, - silly question but why do you have to swap cars ? My hoist that was once fitted into my coupe has transferred to my new car, it’s a basic one that lifts lightweight scooters which yours will be and can be added retrospectively, can’t Motability do this for you? It was about £300.

    I know this journey is hard, from one who has come out the other side... it will be worth it xxx

    Thanks. Mobility have quoted me £1.5 k for it to be fitted mid lease. It is not cost effective for me. xxx
    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.
  • teapot2
    teapot2 Posts: 3,595 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    beanielou wrote: »
    Thanks. Mobility have quoted me £1.5 k for it to be fitted mid lease. It is not cost effective for me. xxx

    Ouch thats a lot :eek::eek:
  • beanielou
    beanielou Posts: 96,770 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    teapot2 wrote: »
    Ouch thats a lot :eek::eek:

    It really is:(
    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.
  • Bubblesmum
    Bubblesmum Posts: 1,778 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Thanks. Mobility have quoted me £1.5 k for it to be fitted mid lease. It is not cost effective for me. xxx

    I initially thought that this was a lot, until I asked my OH what it cost us to fit our hoist in the car last year which was £1285.00 and our guy is very reasonable so I would say that this was about right, however we own the hoist, and can transfer it to another car.....

    This one was more swish than the one in my car that is half the cost but only takes half the weight......

    :(:( :(:(
    As a dear MSE friend says “keep plodding” or
    What does the saying say.... When life hands you lemons, make lemonade
    Or as my Mum would say, brush yourself down, tomorrow is another day or
    Fake it, to you Make It

    Please say hello my new diary: https://forums.moneysavingexpert.com/discussion/6578460/still-dancing-to-blow-the-debt-clouds-away
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