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Baby steps to mortgage freedom for beanielou.

19749759779799802506

Comments

  • Oh Beanie I missed wishing you Happy Birthday , I wish it you today belatedly. Sorry to hear about the council tax saga , they need to chase people who don't pay.

    I laughed when I read about you being asked to contribute to hair for the birthday girl, most ridiculous and absurd thing I have ever heard, glad you stuck to your guns.

    Hope the week ahead is better all round for you.
    Life is an adventure, never stop exploring.

  • I'm sorry I missed your birthday Beanie :o. Happy belated birthday :bdaycake: and I hope the upsetting news about the council tax rise didn't ruin it for you.

    I wouldn't contribute towards the bride's hair either, that's insane :mad: I did my own hair and make up for my wedding. If you can't afford it then don't do it is my motto, don't expect other people to pay for it :mad:.
    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
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Morning Beanie :) Hope you had a lovely weekend and the week ahead is a good one for you. xx
  • beanielou
    beanielou Posts: 97,839 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Plodding on.
    Not at my best.
    Thanks everyone for popping in.
    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
    :kisses3:Another one popping in. Life is hard for you, beanie, I'm so sorry. Since popping in is all I can do, thats what I'll do
    2023: the year I get to buy a car
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I've got spare chocolate. Please have some as I'll just be ill if I eat any more xx


    :EasterBun
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • beanielou
    beanielou Posts: 97,839 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    girlatplay wrote: »
    I've got spare chocolate. Please have some as I'll just be ill if I eat any more xx


    :EasterBun

    Thank you.
    Funnily enough I am currently eating an orange easter egg!
    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 wrote: »
    Yes, that is true on the single occupancy.
    It is the council tax reduction that has been removed.
    I suppose I am lucky they dident fine me for not notifying them!

    Sorry I've been away since you replied.

    Have you checked their rules for Council Tax Reduction, each council do their own but are all broadly similar.
    I cannot believe that taking in a lodger for a short time makes you lose all your CTR for the rest of the year.
    I know you called up but I know from the councils I deal with for work that half the ones who answer the phone don't know what they are talking about, often I tell them the correct answer!!

    I would email/write in and ask for a reconsideration and tell them the dates you had the lodger and ask them to look at your claim again.

    If this is truly in their regulations then I will eat my hat!!!!
  • beanielou
    beanielou Posts: 97,839 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks EE.
    I have been in touch with them again
    Will see what transpires.
    Got a lecture about not notifying them in a timely manner.
    Apparantly made more difficult to deal with as it's not in real time!
    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.
  • milann
    milann Posts: 11,613 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Ooh hope the answer goes in your favour Beanie.
    I’m with you on the hairdo contribution for your friend. I know we sometimes pay for the birthday girl’s meal within a certain friend group - but it’s between a few of us and THAT is the present we don’t buy extras. A present is a gift you want to contribute to not something you have to do.
    Keep on plodding :beer:
    January spends - £587.58
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