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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 46,590Posts
    • 165,726Thanks
    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 123
    • doingitanyway
    • By doingitanyway 12th Jul 17, 7:49 PM
    • 1,689 Posts
    • 7,670 Thanks
    doingitanyway
    Sorry you fell again...
    JANUARY 2016/SECURED DEBT=24,822/July 2017=7,500
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 12th Jul 17, 8:26 PM
    • 46,590 Posts
    • 165,726 Thanks
    beanielou
    Have an important meeting tomorrow.
    Will be there come hell or high water.
    Please send chocolate.
    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 12th Jul 17, 9:03 PM
    • 4,039 Posts
    • 21,190 Thanks
    Sun Addict
    Boo to another fall, as you know Mr SA has done the same, what are you like

    Good luck for tomorrow - here's some virtual chocolate xx
    Virtual Sealed Pot £424.05
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Upsidedown Bear
    • By Upsidedown Bear 12th Jul 17, 10:11 PM
    • 17,768 Posts
    • 77,571 Thanks
    Upsidedown Bear
    Have an important meeting tomorrow.
    Will be there come hell or high water.
    Please send chocolate.
    Originally posted by beanielou

    The Devil whispered in my ear "You are not strong enough to withstand the storm".
    Today I whispered in the Devil's ear "I am the storm".
    Das ist der beste tag meines lebens
    Cheap Coffee Lover

    • beanielou
    • By beanielou 12th Jul 17, 10:26 PM
    • 46,590 Posts
    • 165,726 Thanks
    beanielou
    Can always count on you bear Thank you.
    How are 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***
    • in need of direction
    • By in need of direction 12th Jul 17, 10:36 PM
    • 4,437 Posts
    • 24,819 Thanks
    in need of direction
    i want one. good luck for the meeting
    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.
    • Upsidedown Bear
    • By Upsidedown Bear 12th Jul 17, 11:01 PM
    • 17,768 Posts
    • 77,571 Thanks
    Upsidedown Bear
    Can always count on you bear Thank you.
    How are you?
    Originally posted by beanielou
    All good here thank you The garden has less weeds and more flowers now

    Hope tomorrow goes OK for you. If they ^^^ weren't the chocolates you had in mind how about these?


    The Devil whispered in my ear "You are not strong enough to withstand the storm".
    Today I whispered in the Devil's ear "I am the storm".
    Das ist der beste tag meines lebens
    Cheap Coffee Lover

    • Upsidedown Bear
    • By Upsidedown Bear 12th Jul 17, 11:07 PM
    • 17,768 Posts
    • 77,571 Thanks
    Upsidedown Bear
    i want one. good luck for the meeting
    Originally posted by in need of direction


    One of these?


    The Devil whispered in my ear "You are not strong enough to withstand the storm".
    Today I whispered in the Devil's ear "I am the storm".
    Das ist der beste tag meines lebens
    Cheap Coffee Lover

    • beanielou
    • By beanielou 13th Jul 17, 8:46 AM
    • 46,590 Posts
    • 165,726 Thanks
    beanielou
    Just a wee update on doors.
    We are sitting at just under halfway.
    Which is awesome.
    Just like you all .
    Thanks again.
    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 13th Jul 17, 10:25 AM
    • 4,437 Posts
    • 24,819 Thanks
    in need of direction
    Oh bear, that is such a lovely looking wee thing. Our blond lab loves company too.
    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.
    • beanielou
    • By beanielou 13th Jul 17, 5:18 PM
    • 46,590 Posts
    • 165,726 Thanks
    beanielou
    This has not been the best day.
    Is all.
    I need to try to read up on accounts.
    I also need to try to learn about excel spreadsheets pretty damm quick.
    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***
    • doingitanyway
    • By doingitanyway 13th Jul 17, 10:29 PM
    • 1,689 Posts
    • 7,670 Thanks
    doingitanyway
    This has not been the best day.
    Is all.
    Originally posted by beanielou
    Go with the flow beanielou. Some days just are pants. I hope tomorrow is better x
    JANUARY 2016/SECURED DEBT=24,822/July 2017=7,500
    MORTGAGE FREE 25/07/16
    • Eager_Elephant
    • By Eager_Elephant 14th Jul 17, 6:40 AM
    • 3,970 Posts
    • 21,040 Thanks
    Eager_Elephant


    One of these?


    Originally posted by Upsidedown Bear
    Ooh I have one of those - I will see if I can get a photo up at some point. She is now 3yrs old and still as gorgeous.

    Just a wee update on doors.
    We are sitting at just under halfway.
    Which is awesome.
    Just like you all .
    Thanks again.
    Originally posted by beanielou
    Excellent news

    This has not been the best day.
    Is all.
    I need to try to read up on accounts.
    I also need to try to learn about excel spreadsheets pretty damm quick.
    Originally posted by beanielou
    Is this for yourself or for a charity?
    I think a few of us who read on here can do accounts and excel so if you let us know what you need we should be able to help.
    Ninja Saving Turtle No. 4 for July
    NSD - 16/16
    (up to 28/7/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • beanielou
    • By beanielou 14th Jul 17, 6:52 AM
    • 46,590 Posts
    • 165,726 Thanks
    beanielou
    Thanks EE.
    It is for a charity.

    Thanks again for all your hard work in helping me to get the door fund to where it is.
    Appreciated more than you 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***
    • girlatplay
    • By girlatplay 15th Jul 17, 7:23 PM
    • 2,454 Posts
    • 14,526 Thanks
    girlatplay
    Keep plodding beanielou


    We're all here cheering you on (although I realise I'm not here that often)
    Loan (£20k) current balance: -£6,470
    IO Mortgage current balance: -£89,680

    • beanielou
    • By beanielou 15th Jul 17, 8:15 PM
    • 46,590 Posts
    • 165,726 Thanks
    beanielou
    Good to see you girlatplay
    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 Jul 17, 8:46 PM
    • 4,039 Posts
    • 21,190 Thanks
    Sun Addict
    I love excel spreadsheets. If you need any help let me know.

    Great news on the door fund xx
    Virtual Sealed Pot £424.05
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 15th Jul 17, 9:18 PM
    • 46,590 Posts
    • 165,726 Thanks
    beanielou
    I love excel spreadsheets. If you need any help let me know.

    Great news on the door fund xx
    Originally posted by Sun Addict
    Will remember that xx
    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 18th Jul 17, 11:19 AM
    • 1,054 Posts
    • 6,065 Thanks
    Bubblesmum
    to you madly, not sure where the last few weeks have gone. Just catching up now. You are awesome

    Thoughts on the posts I missed.

    Foam cushion, I found a local trade upholstery foam provider, who is on a local trading estate, who also will do one off jobs for the general public

    for a great graduation, happy days

    door fund.

    I am in awe that you were able to do graduation day with all that walking and standing without using a mobility scooter/wheelchair, and so not surprised that your back is so sore and you are having such trouble with indigestion. I find my digestive system is really affected when due to my gait, too much standing and falling. Also being extremely tired... take care of yourself. Would a sports massage help to release those tired and twisted muscles?

    I am also an Excellent Queen like Sun Addict and others - shout will help if I can...

    Love BM
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • beanielou
    • By beanielou 18th Jul 17, 2:26 PM
    • 46,590 Posts
    • 165,726 Thanks
    beanielou
    Great to see you Bubblesmum
    Interesting re indigestion.
    That makes a lot of sense.

    A bad couple of days for falling.
    Yesterday is shower~~ouch, ouch, ouch.
    Today is a car park.
    5 times since last Wednesday is not good

    Lovely lovely day here so off to sit in the sun shortly

    Another door quote £900+.
    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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