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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 46,092Posts
    • 162,823Thanks
    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 103
    • doingitanyway
    • By doingitanyway 15th Mar 17, 12:06 PM
    • 1,511 Posts
    • 6,792 Thanks
    doingitanyway
    yoga and tunnocks tea cakes! loving this chat glad you went to yoga beanie
    JANUARY 2016/SECURED DEBT=24,822/ February 2017=9,600
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 15th Mar 17, 3:47 PM
    • 46,092 Posts
    • 162,823 Thanks
    beanielou
    I love my seated yoga
    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***
    • EssexHebridean
    • By EssexHebridean 15th Mar 17, 3:57 PM
    • 7,149 Posts
    • 38,039 Thanks
    EssexHebridean
    I can't believe we've gone over the page and STILL there are Tunnocks being mentioned?! RUDE!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£324.14
    • beanielou
    • By beanielou 15th Mar 17, 6:53 PM
    • 46,092 Posts
    • 162,823 Thanks
    beanielou
    I can't believe we've gone over the page and STILL there are Tunnocks being mentioned?! RUDE!
    Originally posted by EssexHebridean

    It is EH.
    I dont have any either
    Too cold to go & buy any.
    Have a real yen for chocolate.

    Made cauliflower soup today in the soup maker.
    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***
    • Sun Addict
    • By Sun Addict 15th Mar 17, 8:54 PM
    • 3,824 Posts
    • 19,782 Thanks
    Sun Addict
    I've got a soup maker - aren't they fab. I'd forgotten all about Tunnocks tea cakes until just now, oh the nostalgia. Now starting to think about caramel wafers by Gray Dunn, wonder if they still exist?
    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
    • Butti
    • By Butti 15th Mar 17, 9:34 PM
    • 4,463 Posts
    • 11,611 Thanks
    Butti
    I love my seated yoga
    Originally posted by beanielou
    Isn't Yoga great Beanie. I love yoga. My new class is slower and more indepth. I'm so relaxed by it.
    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
    • Bubblesmum
    • By Bubblesmum 16th Mar 17, 11:18 AM
    • 1,011 Posts
    • 5,778 Thanks
    Bubblesmum
    I've got a soup maker - aren't they fab. I'd forgotten all about Tunnocks tea cakes until just now, oh the nostalgia. Now starting to think about caramel wafers by Gray Dunn, wonder if they still exist?
    Originally posted by Sun Addict
    Tunnocks do Caramel wafers
    Mrs B Debt £1876 @ 5/01/2017
    • Bubblesmum
    • By Bubblesmum 16th Mar 17, 11:20 AM
    • 1,011 Posts
    • 5,778 Thanks
    Bubblesmum
    [QUOTE=Butti;72252889

    Beanie. You are lovely. You are always kinder to others than yourself![/QUOTE]

    well said
    Mrs B Debt £1876 @ 5/01/2017
    • beanielou
    • By beanielou 16th Mar 17, 11:29 AM
    • 46,092 Posts
    • 162,823 Thanks
    beanielou
    todays curve ball.
    No Masters funding for DS as it is a reseach Masters and not a taught one.
    So back to the drawing board.
    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 16th Mar 17, 2:48 PM
    • 3,686 Posts
    • 26,748 Thanks
    Knit Witch
    todays curve ball.
    No Masters funding for DS as it is a reseach Masters and not a taught one.
    So back to the drawing board.
    Originally posted by beanielou
    Could he get a firm to sponsor him?
    "Shop" From Stash (5 skeins down!)
    OS Weight Loss 5/3
    • beanielou
    • By beanielou 16th Mar 17, 4:37 PM
    • 46,092 Posts
    • 162,823 Thanks
    beanielou
    Could he get a firm to sponsor him?
    Originally posted by Knit Witch
    Not for his line of study
    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 16th Mar 17, 4:44 PM
    • 3,686 Posts
    • 26,748 Thanks
    Knit Witch
    Not for his line of study
    Originally posted by beanielou
    Drat - that's me stumped then
    "Shop" From Stash (5 skeins down!)
    OS Weight Loss 5/3
    • beanielou
    • By beanielou 16th Mar 17, 8:31 PM
    • 46,092 Posts
    • 162,823 Thanks
    beanielou
    Family pow wow today.
    So fees sorted but living costs are a big problem
    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***
    • brizzledfw
    • By brizzledfw 18th Mar 17, 10:10 AM
    • 6,786 Posts
    • 32,576 Thanks
    brizzledfw
    Hope you can magic something up... Can he live free with an older person in return for company and chores?

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    May '17 Savings Rate Goal: 25% [Apr 10%]
    Declutter 50 items before 31.05.17 20/50 ** LSDs Target 5 for May 04/05 **AFDs 09/20 ** Sales Target '17 £750 £80 so far
    **NSDs Target 5 for May 04/05
    • lucielle
    • By lucielle 18th Mar 17, 12:42 PM
    • 7,894 Posts
    • 33,806 Thanks
    lucielle
    Hope you come up with a plan.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • in need of direction
    • By in need of direction 18th Mar 17, 5:40 PM
    • 4,258 Posts
    • 23,774 Thanks
    in need of direction
    Part time job?
    Mortgage at 01.01.14 £119,481.83 today £82,874.20, 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.
    • Pooky
    • By Pooky 18th Mar 17, 6:20 PM
    • 6,643 Posts
    • 40,491 Thanks
    Pooky
    How many hours is the masters? Most students manage to work along side their study, especially at masters level (if they're not sponsored). Maybe it's not the right time for him to do it if it's not all falling into place. Maybe a stint at a full time job would get some savings behind him to keep him going in a few years?

    DD1 did look at a masters but decided the extra few years in the job itself would be far more beneficial. I know that's not the case with all subjects.

    Is his partner earning enough to support them both and he could do some evening bar work or the like to bring in extras?
    "Start every day off with a smile and get it over with" - W. C. Field.
    • Firegirl
    • By Firegirl 18th Mar 17, 6:27 PM
    • 657 Posts
    • 2,687 Thanks
    Firegirl
    I love tunnocks tea cakes too and they are only £1 for a box of 6.......would be a bargain if I didn't eat them all in one go!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022
    Current Mortgage Balance £202311
    Target for May 2018 - Somewhere inbetween 2 figures below!!
    19 Year Target Balance MF55= £205, 020
    14 Year Target Balance MF50= £191, 314
    • beanielou
    • By beanielou 18th Mar 17, 9:32 PM
    • 46,092 Posts
    • 162,823 Thanks
    beanielou
    In DS's subject it is beneficial for him to do Masters now.
    He has a part time job already.
    His GF will get funding for hers as a taught Masters & not a research Masters.
    Currently very high level discussions going on in his University so we shall see what happens next.
    His fees are going to be covered and at least part of his living costs are being covered by close family members.
    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 19th Mar 17, 12:04 PM
    • 27,241 Posts
    • 146,660 Thanks
    Karmacat
    Sorry your DS is having issues with funding - things are getting tighter and tighter, aren't they

    How are you yourself, Beanie?
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
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