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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 48,510Posts
    • 178,578Thanks
    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 132
    • Betterthanever
    • By Betterthanever 2nd Sep 17, 7:14 PM
    • 367 Posts
    • 1,515 Thanks
    Betterthanever
    Happy new car and safe driving!!

    Current balance £115,428.65. Offset £1,775.31. £113,653.34 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22
    Money for Nothing pot = £392.99
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Sun Addict
    • By Sun Addict 2nd Sep 17, 8:48 PM
    • 4,547 Posts
    • 26,597 Thanks
    Sun Addict
    Don't run anyone over

    Happy new car
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Karmacat
    • By Karmacat 3rd Sep 17, 3:28 PM
    • 28,064 Posts
    • 154,283 Thanks
    Karmacat
    You've got one! How's it going? How does it feel? And where are you going to go!
    Retired August 2016
    • Buffythedebtslayer
    • By Buffythedebtslayer 3rd Sep 17, 3:54 PM
    • 14,889 Posts
    • 47,949 Thanks
    Buffythedebtslayer
    ooooooo Beanie! A new car how cool. Hope it is going well XXX
    Saving all the money.............really I am !
    • beanielou
    • By beanielou 3rd Sep 17, 9:13 PM
    • 48,510 Posts
    • 178,578 Thanks
    beanielou
    Havent been out today.
    New car is MUCH bigger than the old one
    Parking will be ahem interesting!!
    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***
    • milann
    • By milann 3rd Sep 17, 9:21 PM
    • 1,387 Posts
    • 6,031 Thanks
    milann
    Enjoy the car Beanie - good luck with the parking
    • doingitanyway
    • By doingitanyway 4th Sep 17, 6:05 PM
    • 2,098 Posts
    • 9,702 Thanks
    doingitanyway
    I turn my back for 5 minutes and you have a new car! Wow! Enjoy it.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,525
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 4th Sep 17, 6:18 PM
    • 48,510 Posts
    • 178,578 Thanks
    beanielou
    Liking the new car
    Hope I actually get to keep it for the whole three years.

    Proud that our new forth crossing was opened today by the Queen.
    53 years to the day since the Forth Bridge was opened.
    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***
    • milann
    • By milann 5th Sep 17, 5:07 PM
    • 1,387 Posts
    • 6,031 Thanks
    milann
    A lovely lady I know wheeled over the new bridge at weekend for charity. It looked pretty impressive when I saw it being built last year.
    So pleased you are enjoying the car
    • beanielou
    • By beanielou 5th Sep 17, 6:55 PM
    • 48,510 Posts
    • 178,578 Thanks
    beanielou
    A lovely lady I know wheeled over the new bridge at weekend for charity. It looked pretty impressive when I saw it being built last year.
    So pleased you are enjoying the car
    Originally posted by milann
    Lucky lady
    No place in ballot for anyone in my family sadly

    LOving the car

    Am currently pricing mobility scooters
    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 5th Sep 17, 9:32 PM
    • 4,547 Posts
    • 26,597 Thanks
    Sun Addict
    Glad you're pleased with the car and the new crossing Ooh - you can drive your new car over it
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 5th Sep 17, 10:01 PM
    • 48,510 Posts
    • 178,578 Thanks
    beanielou
    Glad you're pleased with the car and the new crossing Ooh - you can drive your new car over it
    Originally posted by Sun Addict
    Yes I will at some point
    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***
    • Pooky
    • By Pooky 6th Sep 17, 6:34 AM
    • 6,725 Posts
    • 41,561 Thanks
    Pooky
    Which car did you go for? We're just about to start looking for a new one....I hate car shopping with a passion, so limited on what we can have that will fit the hoist and all the garages are so far apart here.

    As for scooters...yay! Look on local FB groups or the bay of E for second hand ones, you can often find a bargain. My Mum had a go on DH's the other day whilst we were out as her mobility has really gone down since her brain haemorrhage - she really liked it once we'd persuaded her onto it and let Dad buy her one the next day....she's now whizzing around all over the place!
    "Start every day off with a smile and get it over with" - W. C. Field.
    • Karmacat
    • By Karmacat 6th Sep 17, 8:57 AM
    • 28,064 Posts
    • 154,283 Thanks
    Karmacat
    When the 2nd Mersey Tunnel opened, everyone who wanted to could walk through that day - me, my brother and sister all walked through together (not parents ). What a shame that couldn't happen for your bridge.

    And good luck on the mobility scooter.
    Retired August 2016
    • Upsidedown Bear
    • By Upsidedown Bear 6th Sep 17, 6:11 PM
    • 17,820 Posts
    • 77,815 Thanks
    Upsidedown Bear
    Sorry it's so very late






    Member: Wimps Anonymous
    Live simply so that others may simply live.
    Cheap Coffee Lover

    • beanielou
    • By beanielou 6th Sep 17, 8:01 PM
    • 48,510 Posts
    • 178,578 Thanks
    beanielou
    Bear~~thank you.
    So lovely to see you.
    Hope all well in your world.
    Have missed 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***
    • beanielou
    • By beanielou 6th Sep 17, 8:06 PM
    • 48,510 Posts
    • 178,578 Thanks
    beanielou
    Which car did you go for? We're just about to start looking for a new one....I hate car shopping with a passion, so limited on what we can have that will fit the hoist and all the garages are so far apart here.

    As for scooters...yay! Look on local FB groups or the bay of E for second hand ones, you can often find a bargain. My Mum had a go on DH's the other day whilst we were out as her mobility has really gone down since her brain haemorrhage - she really liked it once we'd persuaded her onto it and let Dad buy her one the next day....she's now whizzing around all over the place!
    Originally posted by Pooky
    Great news on your ma & the scooter
    Will PM you


    I have had to say that I am not giving in , that I am helping myself not giving in.

    Feel free friends to tell me that is the case.
    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 6th Sep 17, 10:25 PM
    • 23,267 Posts
    • 40,638 Thanks
    ZTD
    So today is happy new car day.
    Originally posted by beanielou


    I like it so far.
    Have to get used to it slowly I think.
    Only down side as yet it that boot lid is very heavy.
    Originally posted by beanielou
    I find with mine, the things that irritate are:
    1. The brake being on the "wrong" side
    2. The glove box does not lock

    I didn't notice the lid being heavy, though I would prefer a "real" grab handle on the inside to pull it shut. A plastic trough doesn't do it for me...

    LOving the car
    Originally posted by beanielou


    I still only find mine OK - I probably should have bought the Evo X that I was looking at...

    In 10 years time I may just be able to afford a Giulia Quadrifoglio that's looking appealing right now...

    Am currently pricing mobility scooters
    Originally posted by beanielou
    I have had to say that I am not giving in , that I am helping myself not giving in.

    Feel free friends to tell me that is the case.
    Originally posted by beanielou
    It's not what you do, it's the way that you do it...

    https://www.youtube.com/watch?v=zy5rkw4SeP4
    "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'
    • EssexHebridean
    • By EssexHebridean 7th Sep 17, 10:19 AM
    • 8,133 Posts
    • 42,874 Thanks
    EssexHebridean
    Happy new Bridge Beanie - pleased that those little Red dudes of mine gave you a wee flypast to celebrate too!

    New car sounds ace too - bet you've already stopped noticing that it's so much bigger, haven't you!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£632.77 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • beanielou
    • By beanielou 7th Sep 17, 2:56 PM
    • 48,510 Posts
    • 178,578 Thanks
    beanielou
    The red dudes were truely awesome EH

    Z~~the mind boggles
    Hope all well in your world
    The boot prob does not seem heavy to you.
    My upper body strength is not as good as yours
    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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