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CrazyBee wants to be Mortgage Free!
Comments
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Excellent post by RedLipstick x
I really hope you take it on board CrazyBee and get yourself out of debt and build up the emergency fund; you’ve seen how hugely important that is
You need to sit down and write yourself an honest Budget; not a hopeful one a honest can stick to it budget
And stop using the credit card!
MFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
12/08/25: Savings: £12,0003 -
Just checking that your DM’s car is not a motability one?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 -
No it is a van turned transprtation vehicle for a whleechair user. Why?beanielou said:Just checking that your DM’s car is not a motability one?Missions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.0 -
Thanks MFwannabe you are right, the trouble is I am so erratic that I am unsure what is correct. What I will do is log everything I spend from a £600 budget for October only and see how I go, If I need more I will judge this on what the reason is like @RedLipstick mentioned with Kakeibo, I have read about it also Martins money mantra and see if I can self improve along the way. I have bought a budgeting book to hand write so it is more meaningful when I write it down and hopefully I will learn what I can do about it. Which is the Kakeibo way. I will have an emergency fund once I get the money back from the car!MFWannabe said:Excellent post by RedLipstick x
I really hope you take it on board CrazyBee and get yourself out of debt and build up the emergency fund; you’ve seen how hugely important that is
You need to sit down and write yourself an honest Budget; not a hopeful one a honest can stick to it budget
And stop using the credit card!
Missions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.0 -
AS you would not be able to use it on a regular basis without the disabled person being present.CrazyBee787 said:
No it is a van turned transprtation vehicle for a whleechair user. Why?beanielou said:Just checking that your DM’s car is not a motability one?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 had no idea thanks, thankfully it is not.beanielou said:
AS you would not be able to use it on a regular basis without the disabled person being present.CrazyBee787 said:
No it is a van turned transprtation vehicle for a whleechair user. Why?beanielou said:Just checking that your DM’s car is not a motability one?Missions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.1 -
I am unsure on the amount I should have for an emergency fund (EF), I found that while I was out of work and had a lodger there was little else I needed, except for emergencies etc (I know it is called an EF for a reason!) If I were to save £6K I would still be entitled to Universal credit at the full amount or up to £16K to receive anything. I would love to be getting my mortgage down ultimately, however I planned an EF of £9K on the MFIT Challenge (I think that is what it is called). Also If I ever wanted a car again £9K would be a good place to be at. Therefore I will try to get to £9K before I have a go at the Mortgage, I think, I am thinking to pay the 10% off in May next year which will reduce my EF, but then I can build it up again. This is a much happier place to be I have to say. Have a super day allXX
Missions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.0 -
Okay getting a little worried the funds still have not come back they said they are actioning but really why is it taking so long! Can anyone guess! Anyhow I will try and remain calm I really wish I would know what I want to buy before I buy something it is driving me potty refund queen bonanza! and with £6K on the table! I feel like it is punishment for something! Also today I could of had a No spend day, but no I bought a back scratcher for £2.99 wanted and I feel like it is needed 😂😂😂 But darn I could of had a no spend day, that really was not well thout out!
Shopping has gone from £50 every two weeks to £100 spending an extra £1300 per annum, but food really is my joy and if I enjoy my food I am happy. I have found some delightful quorn brocoli and cheese escalopes which are reduced I have two in one go as they are tiny but so delicious! However I have added more snacks and bit and bobs so hopefully I keep my food spending to just the one shop every two weeks. Therefore there may be a reduction in spending?
Really I am just anxious now that they haven't processed my refund! as it is big wonga I can't tell you how I would feel if I didn't get it back to me for some unknown reason? I will feel relief when it is here.
Have a wonderous evening allXXMissions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.0 -
Hi Bee, I thought insurance settlements took weeks to come through. It will turn up when they possibly do a weekly/monthly payment run? I looked at our monthly spend on food for 2 pensioners. Averages £160 a month. Healthy food cooked from scratch as we have the time. Have you thought about getting back to the swimming? You seemed to enjoy that.1
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It's not a refund, it's a insurance settlement & it will be proccessed more slowly.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
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