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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 48,487Posts
    • 178,355Thanks
    beanielou
    Baby steps to mortgage freedom for beanielou.
    • #1
    • 4th Nov 14, 2:19 PM
    Baby steps to mortgage freedom for beanielou. 4th Nov 14 at 2:19 PM
    My first thread on the MFW board!!
    My mortgage has 6 & 1/2 years left to run.
    My income seems to decrease more & more & it becomes more & and more of a challange to pay my hefty(to me) mortgage.
    I have managed an overpayment last month as I got some £££'s unexpectedly.
    My biggest fear is not being able to pay my mortgage & loosing my home.
    So I have decided that baby steps are the way forward~even a fiver or a tenner overpaid in a month is better than nothing.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
Page 3
    • beanielou
    • By beanielou 26th Dec 14, 2:48 PM
    • 48,487 Posts
    • 178,355 Thanks
    beanielou
    Would it have added anything to Christmas if you had made those extra purchases?
    Originally posted by in need of direction
    Most likely not other than to make me feel less mean ( & less of a failure I suppose). My DS has never only had just 1 parcel to open(which doesent mean that was right either BTW).
    Ho hum.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Karmacat
    • By Karmacat 26th Dec 14, 7:25 PM
    • 28,052 Posts
    • 154,211 Thanks
    Karmacat
    Just too add that also this in one of the only years I can remember not going out to buy extra pressies thinking thinking I had not bought whoever enough.
    I felt mean but stood strong.
    I feel better for it as well.
    Originally posted by beanielou
    Most likely not other than to make me feel less mean ( & less of a failure I suppose). My DS has never only had just 1 parcel to open(which doesent mean that was right either BTW).
    Ho hum.
    Originally posted by beanielou
    Oh beanie! This sounds like it was really, really tough for you In your first post, I read it that you'd bought items that you were happy with, and enough that you were happy with - but if you've had a years-long habit of "extra" buying, and you've only just broken that this year, its going to feel like being mean. Accept that thats how you feel, yes, but there's a lot of consumerist propaganda in there, remember.

    You stood strong, and you felt better. Remember that feeling too, please
    Retired August 2016
    • boredofbeingathome
    • By boredofbeingathome 27th Dec 14, 1:22 PM
    • 15,386 Posts
    • 37,539 Thanks
    boredofbeingathome
    Latecomer to your Diary Beanie. I am sure it will be a corker as you countdown to finishing off the mortgage.

    I am only going to add a couple of things:

    1. Never feel mean for buying one present per person. Try a secret Santa next year. Also do you feel mean or sorry for a person who buys you one present? I am sure you don't.

    2. You put a roof over heads and food on the table, that makes you so much more than a present giver. That makes you a provider and a person who strives to keep everything afloat. You are richer than many in this world and keep on remembering that you do so much and are so inventive in a world which conspires against you.

    3. You give so much to others freely-that is more than any present, it is a wonderful gift.

    There i have said my bit. Merry Christmas and a Happy New Year to you and yours Beanie.

    Bob x
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation
    • Pooky
    • By Pooky 27th Dec 14, 1:54 PM
    • 6,724 Posts
    • 41,557 Thanks
    Pooky
    I shall be following your progress and trying to get my act together to get some decent OP's myself. We're looking to downsize in 18months which would leave us MF but I'd like to get a bit more paid off so it helps out the other end.

    Plodding is fun x
    "Start every day off with a smile and get it over with" - W. C. Field.
    • Greying Pilgrim
    • By Greying Pilgrim 27th Dec 14, 2:01 PM
    • 3,909 Posts
    • 43,181 Thanks
    Greying Pilgrim

    I am only going to add a couple of things:

    1. Never feel mean for buying one present per person. Try a secret Santa next year. Also do you feel mean or sorry for a person who buys you one present? I am sure you don't.

    2. You put a roof over heads and food on the table, that makes you so much more than a present giver. That makes you a provider and a person who strives to keep everything afloat. You are richer than many in this world and keep on remembering that you do so much and are so inventive in a world which conspires against you.

    3. You give so much to others freely-that is more than any present, it is a wonderful gift.
    Originally posted by boredofbeingathome
    BRAVO Bob That is absolute stonker of a supportive post Most especially point No. 2.

    to Beanie

    Greying
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • slowlyfading
    • By slowlyfading 27th Dec 14, 2:08 PM
    • 12,867 Posts
    • 73,860 Thanks
    slowlyfading
    Absolutely agree with BoB - you're doing your best and that is more than enough

    Didn't realise you had a diary - have subscribed
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / Nov NSD - 11 / Ultimate Dream Fund - £19,661.40/£306,000
    Engaged 14/08/10 // Married 31/03/12 // DS born August 15 // Baby #2 Due Dec 17
    • shala_moo
    • By shala_moo 27th Dec 14, 2:48 PM
    • 3,242 Posts
    • 27,179 Thanks
    shala_moo
    Beanie just stumbled across your diary... have now subscribed x
    Mortgage = £166,050£118,172.76
    Mortgage Offset % = 32.56%
    Mortgage Neutral Date = Dec 2036 Mar 2026
    • Ellidee
    • By Ellidee 27th Dec 14, 3:19 PM
    • 6,063 Posts
    • 16,728 Thanks
    Ellidee
    Just found your diary beanie - you are the nicest and one of the most supportive posters on these boards and you deserve oodles of support and positive vibes in return. Good luck honey xxx
    Nothing is so fatiguing as the eternal hanging on of an uncompleted task. William James
    • beanielou
    • By beanielou 27th Dec 14, 5:25 PM
    • 48,487 Posts
    • 178,355 Thanks
    beanielou
    Lots my very lovely MSE friends popping in to say hello.
    Lovely to see you all
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • ZTD
    • By ZTD 27th Dec 14, 8:55 PM
    • 23,264 Posts
    • 40,612 Thanks
    ZTD
    Just too add that also this in one of the only years I can remember not going out to buy extra pressies thinking thinking I had not bought whoever enough.
    Originally posted by beanielou
    What gives you the feeling that one is not "enough"? It is a cliche that "it's the thought that counts" - but it is. All this "more is more" stuff is media - advertising time bought by people who want you to buy more of their offerings than you need.

    It is them who entice people to pile their trollies up to the ceiling and heave them around the supermarket "for Christmas". The shops are only closed for 1 single day people. Then the same people throw out all the uneaten food because they've bought enough to feed the 5,000. You will have seen the advertising on the telly, where there's 2 adults, and 2 children, praying around a whale of a turkey big enough to hide the dog inside.

    It's good that you resisted.

    I've had the opposite problem this year. I spent more than I needed, but feel I let people down because I didn't put enough thought into the presents. Christmas kind-of took me by surprise this year (I know...) and I didn't even send cards to some people I was going to.

    I felt mean but stood strong.
    I feel better for it as well.
    Originally posted by beanielou
    Good for you!

    Most likely not other than to make me feel less mean ( & less of a failure I suppose). My DS has never only had just 1 parcel to open(which doesent mean that was right either BTW).
    Ho hum.
    Originally posted by beanielou
    It's not "just" one parcel. It's a parcel from you, chosen with love.

    Remember that - don't sell yourself short.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 27th Dec 14, 9:07 PM
    • 48,487 Posts
    • 178,355 Thanks
    beanielou
    Wise words as always Z~~thank you.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • beanielou
    • By beanielou 27th Dec 14, 9:30 PM
    • 48,487 Posts
    • 178,355 Thanks
    beanielou
    So wishing I could pull of another wee repayment but it is not meant to be.
    Will be however looking forward to receiving my mortgage statement for 2014 sometime in 2015.
    I wish I could track my payments on line but don't seem to be able to.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • FlacosFloozie
    • By FlacosFloozie 28th Dec 14, 5:31 PM
    • 587 Posts
    • 2,533 Thanks
    FlacosFloozie
    Hi Beanie,
    You won't remember me but you gave me some very good advice in my early DFW days. I'm really impressed with you managing extra payments in the run up to christmas.
    Re presents, I do think a gift given with love and thought is always appreciated more. You've worked hard to make sure DS has a roof over his head and food on the table at Christmas. Don't get caught up in all the comercialisation xx
    Save 12K in 2017 #147 £4611.33/9,000 51% Emergency Fund £3104.43
    Mortgage £159,995 £156,995 Overpaid £0 in 2017 Holiday Fund £3.20

    Debt Fr
    ee 31.07.14

    • beanielou
    • By beanielou 29th Dec 14, 9:59 PM
    • 48,487 Posts
    • 178,355 Thanks
    beanielou
    I have done it
    Squeezed in another wee repayment ~~ the last for 2014.
    Here's to 2015 for us all
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Ellidee
    • By Ellidee 29th Dec 14, 10:17 PM
    • 6,063 Posts
    • 16,728 Thanks
    Ellidee
    You are a legend beanie - well done xx
    Nothing is so fatiguing as the eternal hanging on of an uncompleted task. William James
    • in need of direction
    • By in need of direction 29th Dec 14, 11:57 PM
    • 4,703 Posts
    • 26,505 Thanks
    in need of direction
    Slow & steady seems to be working for you. Well done.
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 8/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Karmacat
    • By Karmacat 30th Dec 14, 11:26 AM
    • 28,052 Posts
    • 154,211 Thanks
    Karmacat
    Thats great, beanie! You've obviously got a real handle on your incomings and outgoings, and you're careful not to leave yourself in the lurch by overpaying either. Congratulations
    Retired August 2016
    • elantan
    • By elantan 30th Dec 14, 2:58 PM
    • 19,536 Posts
    • 52,571 Thanks
    elantan
    Beanie are you joining the 2015 thread?
    march 2011-july2019 8 years and 4 months ... or 100 months and counting
    "what would you do if you knew you couldn't fail.... enjoy the adventure" " to my own self be true"
    • Upsidedown Bear
    • By Upsidedown Bear 30th Dec 14, 4:44 PM
    • 17,820 Posts
    • 77,815 Thanks
    Upsidedown Bear
    I have done it
    Squeezed in another wee repayment ~~ the last for 2014.
    Here's to 2015 for us all
    Originally posted by beanielou
    Well done

    Member: Wimps Anonymous
    Live simply so that others may simply live.
    Cheap Coffee Lover

    • beanielou
    • By beanielou 31st Dec 14, 1:10 PM
    • 48,487 Posts
    • 178,355 Thanks
    beanielou
    Beanie are you joining the 2015 thread?
    Originally posted by elantan
    Which one El?
    Like being cosy here with my teeny weeny repayments

    Feel bad today because i am going out for a late lunch
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
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