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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 46,585Posts
    • 165,667Thanks
    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 118
    • beanielou
    • By beanielou 16th Jun 17, 7:00 AM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    Whispers to Z.
    Same make of car as you had in The Burgh.
    Can you imagine me getting in and out of the yellow one
    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***
    • Butti
    • By Butti 16th Jun 17, 6:29 PM
    • 4,476 Posts
    • 11,684 Thanks
    Butti
    Tape it. Before it gets any bigger. You can also touch a drop of *thin* super-glue on it, and it will get drawn into the crack by capillary action. Do both ends of the crack. Cracks spread from the ends, they don't grow from the middle.
    Originally posted by ZTD
    This is very impressive - I didn't know this!
    *wedges in the back of the head *
    Debt LBM (08/09) £11,641. (08/12) £22,734. (10/14) £9127 (2/15N )£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 NSD June 2/7
    • beanielou
    • By beanielou 16th Jun 17, 6:54 PM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    Joiner was here earlier to look at it & I am getting a quote.
    I could tell from his facial expressions he was slightly concerned as am i.
    I am thinking about a cash transfer from my CC into my bank account but I am a tad concerned that I cannot afford to repay it.
    Will ponder further & of course as yet I have no price.
    But certainly beyond my budget at present.
    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 16th Jun 17, 8:40 PM
    • 23,076 Posts
    • 39,623 Thanks
    ZTD
    Whispers to Z.
    Same make of car as you had in The Burgh.
    Originally posted by beanielou
    Any particular reason you went for that type?

    Can you imagine me getting in and out of the yellow one
    Originally posted by beanielou
    Just hold onto the door, press the "open door" button, and it'll fling you to your feet.






    "To your feet" three streets away - but you know - baby steps...
    "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'
    • ZTD
    • By ZTD 16th Jun 17, 8:51 PM
    • 23,076 Posts
    • 39,623 Thanks
    ZTD
    This is very impressive - I didn't know this!
    Originally posted by Butti
    The ends of the crack act as "stress concentrators".

    Do note that as the crack lengthens, the faster it grows, up to the point it suddenly propagates supersonically. You'll hear that if you're in the room.

    *wedges in the back of the head *
    Originally posted by Butti
    I hope you don't have stress concentrated at the back of your head...
    "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 16th Jun 17, 8:52 PM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    Went for that as the new A1 is described as a small automatic!!
    My i.q would need to be x2 to be the same size
    I liked the A1 when I went for the test drive .
    I think I am worth it
    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 16th Jun 17, 8:57 PM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    I am pondering having the one door taken out.
    it is starting to worry me.
    Unfortunatly I think that the heat in the conservetory does not help.
    Thoughts Z?
    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 16th Jun 17, 9:24 PM
    • 23,076 Posts
    • 39,623 Thanks
    ZTD
    Went for that as the new A1 is described as a small automatic!!
    My i.q would need to be x2 to be the same size
    Originally posted by beanielou
    Just having looked at the crash tests of the IQ/A1/A3 - stay away from the IQ.

    Fortunately the A1 and A3 are a lot better.

    I liked the A1 when I went for the test drive .
    I think I am worth it
    Originally posted by beanielou
    If the A1 had been cheaper (i.e. less new) when I was looking, I probably would have gone for one of those. I carry too much crap around in my boot...

    Things to look out for in those:
    • The parcel shelf is crap. It's possible for it to jam under where it swivels and either wrench a pivot off, or pull a plastic peg out. Or both.
    • Sometimes the automatic wipers go a bit skeppy and alternate between wiping at "end of days" speed and not wiping at all for minutes at a time. Just stick it into manual.
    • The rear windows don't go all the way down.
    • The central arm rest can sometimes get itself in a state where you can't get it level. Foot on the brake and put the handbrake down, and fiddle on then.
    • You probably aren't going to go for the edition I got, but the torque steer can be bad.
    • The "locking" wheel nuts can be a bit fragile and "round off" stopping you from taking the wheel off. They're essentially this type:

    Other than that, it has been reliable - he says as his exhaust dropped off this week...
    "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'
    • ZTD
    • By ZTD 16th Jun 17, 9:34 PM
    • 23,076 Posts
    • 39,623 Thanks
    ZTD
    I am pondering having the one door taken out.
    it is starting to worry me.
    Unfortunatly I think that the heat in the conservetory does not help.
    Thoughts Z?
    Originally posted by beanielou
    The thermal expansion/contraction doesn't usually matter when there's nothing wrong, as everything expands together, and contracts together. It's only when something expands, and something else doesn't, that problems occur.

    It's most likely been that you dinged it and didn't notice, and it grew over time. Brittle materials are bad like that. That's how you can scratch/score glass and break it neatly.

    I mean, can you imagine trying to do this in wood?
    "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 17th Jun 17, 5:39 AM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    Z~~. I have been driving an I.q for 6 years
    Eek to your exhaust.
    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 17th Jun 17, 5:44 AM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    Right. I really really need to think about how to pull in some extra money.
    Any ideas lovely peeps?
    So this is project new doors.
    Do need to get project graduation done and dusted first also bearing in mind my current hair fail.
    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 17th Jun 17, 5:01 PM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    Have to say had I known doors were going to get worse I would not have ordered the car with a deposit.
    Anyway done now & nothing I can do about it.
    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***
    • Karmacat
    • By Karmacat 17th Jun 17, 5:47 PM
    • 27,494 Posts
    • 149,332 Thanks
    Karmacat
    Beanie, whats your professional background? Is there anything thats properly paid that you could do from home? Or is it the dfw/mfw stuff?

    Sorry the money is such a stress
    Retired August 2016
    • beanielou
    • By beanielou 17th Jun 17, 6:16 PM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    My experience is non professional although I have been heavily involved in the voluntary sector over the years.
    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 17th Jun 17, 10:08 PM
    • 4,437 Posts
    • 24,813 Thanks
    in need of direction
    Lots of voluntary boards need capacity building. Also, some consultancy houses need specialist practitioner input for some assignments. Might be worth checking with any local ones. Apart from that, I drew down a fiver from £co today. Go me!
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Eager_Elephant
    • By Eager_Elephant 18th Jun 17, 9:24 AM
    • 3,969 Posts
    • 21,033 Thanks
    Eager_Elephant
    Is there a charity linked to your old profession that you could ask to pay the cost of the doors?

    Is there a local charity that might help with the doors?

    Turn2Us is a good website for finding obscure little charities - some of them have rather quirky criteria.

    Other than these could you set up a GoFundMe page and us here on MSE could give you some money to help with the doors or if we PM'd you could you give us your Paypal email address and we could send you some money?

    I know they don't like this sort of thing but you are so lovely to everyone, you post on numerous diaries and are like our own personal MSE cheerleader that you deserve to be recognised.
    Ninja Saving Turtle No. 4 for July
    NSD - 11/16
    (up to 21/7/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • ZTD
    • By ZTD 18th Jun 17, 9:24 AM
    • 23,076 Posts
    • 39,623 Thanks
    ZTD
    Z~~. I have been driving an I.q for 6 years
    Originally posted by beanielou
    Rather you than me. The way I drive, I'd hit a bumblebee and use up the entire crumple zone...

    Eek to your exhaust.
    Originally posted by beanielou
    Well to be fair, it is knocking on a bit, and with the fact the exhaust never failed on my previous car means that it must have been 15 years since I last had to spend money on exhausts.

    Tyres...that's a different subject...
    "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 19th Jun 17, 6:47 PM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    EE~~Would the go fund me not be really cheeky?
    Thoughts anyone else?
    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***
    • Eager_Elephant
    • By Eager_Elephant 19th Jun 17, 7:05 PM
    • 3,969 Posts
    • 21,033 Thanks
    Eager_Elephant
    No it wouldn't be cheeky although they would take a percentage of donations hence I thought direct to your Paypal would be better as we could tick 'friends and family' and then there is no charge.
    Ninja Saving Turtle No. 4 for July
    NSD - 11/16
    (up to 21/7/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • beanielou
    • By beanielou 19th Jun 17, 7:13 PM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    No it wouldn't be cheeky although they would take a percentage of donations hence I thought direct to your Paypal would be better as we could tick 'friends and family' and then there is no charge.
    Originally posted by Eager_Elephant

    So how to do it?
    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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