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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 46,074Posts
    • 162,743Thanks
    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 102
    • beanielou
    • By beanielou 11th Mar 17, 8:46 PM
    • 46,074 Posts
    • 162,743 Thanks
    beanielou
    Plodding on.
    Not at my best.
    It is what it is.
    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***
    • in need of direction
    • By in need of direction 11th Mar 17, 10:53 PM
    • 4,247 Posts
    • 23,728 Thanks
    in need of direction
    You don't have to be your best to still be great. Noticed you still cheering people on. It really does help.
    Mortgage at 01.01.14 £119,481.83 today £83,478.58, target £75,000 by 31/12/17 Offset fund today £3,415.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 12th Mar 17, 8:38 AM
    • 46,074 Posts
    • 162,743 Thanks
    beanielou
    Thank you inod.
    I am far from great.
    I am fat frumpy & grumpy.
    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***
    • skint_spice
    • By skint_spice 12th Mar 17, 12:52 PM
    • 11,209 Posts
    • 23,473 Thanks
    skint_spice
    (((hugs))) hope you feel a bit better soon x
    mmm...still thinking, planning and plotting for aims in 2017
    • Sun Addict
    • By Sun Addict 12th Mar 17, 1:48 PM
    • 3,811 Posts
    • 19,735 Thanks
    Sun Addict
    Beanie you are NOT fat, frumpy and grumpy. I take it you're feeling fed up We all go through this, I know I do, if I seriously sat down and thought about everything I would go insane. I know it's hard when you're feeling down but please think of the positives - and keep posting on here to take your mind off things. Big hugs xx
    Debt free date 31/01/15
    Virtual Sealed Pot £262.12
    Weight loss 1/5lbs
    May AFD 0/8 NSD 0/8
    Mr SA finally in remission December 2013
    • doingitanyway
    • By doingitanyway 12th Mar 17, 5:18 PM
    • 1,510 Posts
    • 6,775 Thanks
    doingitanyway
    Oh Beanie, came to see how you are and can see you are feeling exactly the same as me! I have planned an appearance overhaul when you feel a bit better you can think of small changes so you feel a bit better (( ))
    JANUARY 2016/SECURED DEBT=24,822/ February 2017=9,600
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 12th Mar 17, 8:11 PM
    • 46,074 Posts
    • 162,743 Thanks
    beanielou
    I seem to be unable to stop eating at present.
    I am very upset about this.
    I am also worrying about the DLA to PIP transfer.
    Though I have heard nothing as yet.
    I have a sore throat & a squeaky voice like a wee mouse!
    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***
    • Knit Witch
    • By Knit Witch 12th Mar 17, 8:17 PM
    • 3,686 Posts
    • 26,745 Thanks
    Knit Witch
    I seem to be unable to stop eating at present.
    I am very upset about this.
    I am also worrying about the DLA to PIP transfer.
    Though I have heard nothing as yet.
    I have a sore throat & a squeaky voice like a wee mouse!
    Originally posted by beanielou
    Have you had the letter re swapping over from DLA to PIP?
    "Shop" From Stash (5 skeins down!)
    OS Weight Loss 5/3
    • beanielou
    • By beanielou 12th Mar 17, 8:25 PM
    • 46,074 Posts
    • 162,743 Thanks
    beanielou
    Have you had the letter re swapping over from DLA to PIP?
    Originally posted by Knit Witch
    Not as yet.
    Heard way too many horror stories though
    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***
    • Knit Witch
    • By Knit Witch 12th Mar 17, 8:55 PM
    • 3,686 Posts
    • 26,745 Thanks
    Knit Witch
    Not as yet.
    Heard way too many horror stories though
    Originally posted by beanielou
    I am part way through the process, got the letter early December, had to get the form back by the 13th January 2017, 4 weeks and they contacted me (by phone which they are not supposed to do then by letter two weeks later), saw an ATOS physio 25th February 2017 and now waiting for the decision (PLMBL said it took 6 weeks re her hubby from the time of the appointment)
    "Shop" From Stash (5 skeins down!)
    OS Weight Loss 5/3
    • beanielou
    • By beanielou 12th Mar 17, 9:18 PM
    • 46,074 Posts
    • 162,743 Thanks
    beanielou
    Lots of positive vibes your way Knit Wich.
    A friend gor hers back two weeks from medical & got enhanced ob both.
    Not sure she appreciates what a great result that was on so many fronts.
    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***
    • Knit Witch
    • By Knit Witch 12th Mar 17, 9:30 PM
    • 3,686 Posts
    • 26,745 Thanks
    Knit Witch
    Lots of positive vibes your way Knit Wich.
    A friend gor hers back two weeks from medical & got enhanced ob both.
    Not sure she appreciates what a great result that was on so many fronts.
    Originally posted by beanielou
    Oh Gods yes! the longer I am waiting the more panicked I am getting
    "Shop" From Stash (5 skeins down!)
    OS Weight Loss 5/3
    • beanielou
    • By beanielou 12th Mar 17, 9:51 PM
    • 46,074 Posts
    • 162,743 Thanks
    beanielou
    Oh Gods yes! the longer I am waiting the more panicked I am getting
    Originally posted by Knit Witch
    Try not too worry too much.
    Easy for me to say, I know.
    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***
    • Bubblesmum
    • By Bubblesmum 13th Mar 17, 3:04 PM
    • 995 Posts
    • 5,734 Thanks
    Bubblesmum
    I seem to be unable to stop eating at present.
    I am very upset about this.
    I am also worrying about the DLA to PIP transfer.
    Though I have heard nothing as yet.
    I have a sore throat & a squeaky voice like a wee mouse!
    Originally posted by beanielou
    Think I am your virtual twin sister except for the last sentence - hope throat is better and also all the aches and pains.

    I am trying to avoid all the negative stories about PIP as it doesn't do my worry beads much good.

    Hope you have found a little pleasure and something to take your mind away from the worry, other than food... this being said by a person who feels exactly the same and has eaten a tunncks Tea cake for lunch... an odd comfort day is good for you x
    Mrs B Debt £1876 @ 5/01/2017
    • in need of direction
    • By in need of direction 13th Mar 17, 10:56 PM
    • 4,247 Posts
    • 23,728 Thanks
    in need of direction
    I wish I could stop at one tunnocks tea cake.
    Mortgage at 01.01.14 £119,481.83 today £83,478.58, target £75,000 by 31/12/17 Offset fund today £3,415.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Fortune Smiles
    • By Fortune Smiles 14th Mar 17, 9:09 AM
    • 2,361 Posts
    • 18,981 Thanks
    Fortune Smiles
    Sounds like you're coming down with a bug Beanie which makes everything feel overwhelming. Take a break if you can and look after yourself until you're over it. I'm sure you'll feel stronger then.

    Fortune x
    Moving Costs: 98% Mortgage: 25% remaining House Deposit Contribution: 60%

    "It is possible to move mountains by carrying small stones."
    • EssexHebridean
    • By EssexHebridean 14th Mar 17, 12:05 PM
    • 7,149 Posts
    • 38,032 Thanks
    EssexHebridean
    Mentioning Tunnocks Tea Cakes is just cruel.

    Beanie - cut yourself some slack PLEASE! You have a lot to deal with - and we've all been there with the eating thing I'm sure!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£324.14
    • Bubblesmum
    • By Bubblesmum 14th Mar 17, 12:27 PM
    • 995 Posts
    • 5,734 Thanks
    Bubblesmum
    I am suffering from too much sugar yesterday, body not happy. wish I could pass the box of tunnocks around to all of you to share...
    Mrs B Debt £1876 @ 5/01/2017
    • Butti
    • By Butti 14th Mar 17, 10:24 PM
    • 4,461 Posts
    • 11,608 Thanks
    Butti
    Mentioning Tunnocks Tea Cakes is just cruel.

    Beanie - cut yourself some slack PLEASE! You have a lot to deal with - and we've all been there with the eating thing I'm sure!
    Originally posted by EssexHebridean
    I definitely have. Had baked beans at lunchtime and have been to yoga!!!!

    Beanie. You are lovely. You are always kinder to others than yourself!
    Debt LBM (08/09) £11,641. (08/12) £22,734. (10/14) £9127 (12/14) £8530 (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S MOB
    • beanielou
    • By beanielou 14th Mar 17, 10:28 PM
    • 46,074 Posts
    • 162,743 Thanks
    beanielou
    Butti~ I was at seated yoga on Monday. Tis just fab
    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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