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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 1:19 PM
    • 45,756Posts
    • 160,414Thanks
    beanielou
    Baby steps to mortgage freedom for beanielou.
    • #1
    • 4th Nov 14, 1:19 PM
    Baby steps to mortgage freedom for beanielou. 4th Nov 14 at 1:19 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 11 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 104
    • beanielou
    • By beanielou 19th Mar 17, 7:36 PM
    • 45,756 Posts
    • 160,414 Thanks
    beanielou
    I am ok Karmcat.
    Still quite tired & struggling a bit.
    Plodding on though
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 19th Mar 17, 7:47 PM
    • 3,628 Posts
    • 18,558 Thanks
    Sun Addict
    Keep plodding. Big hugs xx
    Debt free date 31/01/15
    Virtual Sealed Pot £164.24
    Weight loss 1/5lbs
    March AFD 3/12 NSD 3/8
    Mr SA finally in remission December 2013
    • Karmacat
    • By Karmacat 19th Mar 17, 8:54 PM
    • 26,945 Posts
    • 143,904 Thanks
    Karmacat
    Plodding is so important, isn't it. Hope you look upwards at the sun sometimes
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • doingitanyway
    • By doingitanyway 20th Mar 17, 8:15 AM
    • 1,345 Posts
    • 5,501 Thanks
    doingitanyway
    Plodding is good
    JANUARY 2016/SECURED DEBT=24,822/ February 2017=10,950
    MORTGAGE FREE 25/07/16
    • Bubblesmum
    • By Bubblesmum 20th Mar 17, 2:53 PM
    • 900 Posts
    • 5,301 Thanks
    Bubblesmum
    Plodding is so important, isn't it. Hope you look upwards at the sun sometimes
    Originally posted by Karmacat
    I echo this words, I hope today is a good day
    Mrs B Debt £1876 @ 5/01/2017
    • beanielou
    • By beanielou 20th Mar 17, 5:06 PM
    • 45,756 Posts
    • 160,414 Thanks
    beanielou
    Thanks lovely peeps.
    Had a lovely seated yoga this afternoon.
    Then went to cash & carry for water & cat food.
    Bad move as was feeling very wobbly & fell onto trolly which was bleeping sore (
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 20th Mar 17, 6:10 PM
    • 900 Posts
    • 5,301 Thanks
    Bubblesmum
    BOOOOO to the trolley

    A quiet taking care of yourself eveninG i hope - are you a Broadchurch fan?
    Mrs B Debt £1876 @ 5/01/2017
    • brizzledfw
    • By brizzledfw 20th Mar 17, 7:13 PM
    • 6,636 Posts
    • 31,674 Thanks
    brizzledfw
    Sorry to hear that beanie..recovered now? Hope the warmer Spring weather starts to arrive in earnest for you

    I love Broadchurch.. have been watching on catch up though so hadn't realised it was on this eve..if I get the chores done (and leave the diaries ) I will try and watch it
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    March '17 Savings Rate Goal: 30% [Feb 25%]
    Declutter 50 items before 31.03.17 08/50 ** LSDs Target 10 for March 04/10 **AFDs 11/20 ** Sales Target '17 £750 £70 so far
    **NSDs Target 10 for March 01/10
    • milann
    • By milann 20th Mar 17, 9:30 PM
    • 1,303 Posts
    • 5,675 Thanks
    milann
    Hi Beanie - I don't seem to get on here much these days.
    Falls are not good - hope M&S looked after you. Pleased you enjoyed your sitting yoga. I joined a gym earlier this year - mainly for the swimming but I tried a yoga class - I loved it but one of the exercises made me feel like I was car sick - think it was moving my head from upright to flat on the floor somehow - I managed to do it and not get myself in a knot - I tried it for 3 sessions but felt the same each time after the same exercise so have given it up and sticking to swimming and aqua aerobics - been this evening so will sleep well onight.
    Hope your ds manages to get sorted.
    • beanielou
    • By beanielou 20th Mar 17, 9:45 PM
    • 45,756 Posts
    • 160,414 Thanks
    beanielou
    Great to see you Milan

    Out giving a wee talk at our local W.I. about a charity that I am involved in.
    A quiet day tomorrow~~I hope!!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 20th Mar 17, 10:15 PM
    • 45,756 Posts
    • 160,414 Thanks
    beanielou
    & also renogoiated(sp) with BT today.
    I just hate having to do this.Hate it.
    Anyway it is done.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 21st Mar 17, 7:17 PM
    • 3,628 Posts
    • 18,558 Thanks
    Sun Addict
    I hate phoning places up. Hope you got a good deal.

    Sorry to hear about the tangle with the trolley
    Debt free date 31/01/15
    Virtual Sealed Pot £164.24
    Weight loss 1/5lbs
    March AFD 3/12 NSD 3/8
    Mr SA finally in remission December 2013
    • doingitanyway
    • By doingitanyway 23rd Mar 17, 9:07 AM
    • 1,345 Posts
    • 5,501 Thanks
    doingitanyway
    I just hate having to do this.Hate it.
    Anyway it is done.
    Originally posted by beanielou
    You might hate it but you did it so well done you
    JANUARY 2016/SECURED DEBT=24,822/ February 2017=10,950
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 24th Mar 17, 6:41 PM
    • 45,756 Posts
    • 160,414 Thanks
    beanielou
    Had a letter from the ESA lot today.
    Always something.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 25th Mar 17, 7:47 AM
    • 26,945 Posts
    • 143,904 Thanks
    Karmacat
    Uh oh. Have they dredged up something else to smack you with?
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Sun Addict
    • By Sun Addict 25th Mar 17, 4:03 PM
    • 3,628 Posts
    • 18,558 Thanks
    Sun Addict
    Hope it's not something else to sort out Beanie.
    Debt free date 31/01/15
    Virtual Sealed Pot £164.24
    Weight loss 1/5lbs
    March AFD 3/12 NSD 3/8
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 26th Mar 17, 5:08 PM
    • 45,756 Posts
    • 160,414 Thanks
    beanielou
    Yes,yet something else to deal with it.

    Anyway a lovely sunny day here.
    LOvely tulips from DS.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 26th Mar 17, 11:41 PM
    • 3,626 Posts
    • 26,110 Thanks
    Knit Witch
    re-assessment time Beanie?
    "Shop" From Stash (4 skeins down!)
    OS Weight Loss 0.5/7
    • Bubblesmum
    • By Bubblesmum 27th Mar 17, 9:04 AM
    • 900 Posts
    • 5,301 Thanks
    Bubblesmum
    ESA

    Hope you can sort it quickly and put your mind at rest

    Tulips - ours are just about to burst into flower, something to look forward to as the daffodils have suddenly finished.
    Mrs B Debt £1876 @ 5/01/2017
    • doingitanyway
    • By doingitanyway 27th Mar 17, 9:16 AM
    • 1,345 Posts
    • 5,501 Thanks
    doingitanyway
    Hope the ESA letter isn't bad news in the long run

    I love tulips
    JANUARY 2016/SECURED DEBT=24,822/ February 2017=10,950
    MORTGAGE FREE 25/07/16
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