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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 48,483Posts
    • 178,303Thanks
    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 133
    • beanielou
    • By beanielou 7th Sep 17, 3:05 PM
    • 48,483 Posts
    • 178,303 Thanks
    beanielou
    EH~~Tis funny as car does not seem big to drive yet must be just about double the length of my old one
    Have not attempted as yet to do on street parking
    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 7th Sep 17, 7:39 PM
    • 23,247 Posts
    • 40,550 Thanks
    ZTD
    EH~~Tis funny as car does not seem big to drive yet must be just about double the length of my old one
    Originally posted by beanielou
    It's because virtually all the extra length is behind you and follows on nicely. Things will change when you reverse...

    Have not attempted as yet to do on street parking
    Originally posted by beanielou
    The mirrors are pretty good, so it's relatively easy. Just be careful of the A-pillars - you can lose half a marching band behind those...
    "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 7th Sep 17, 9:12 PM
    • 48,483 Posts
    • 178,303 Thanks
    beanielou
    My reversing has never been my strong suit.
    I cant really explain it.
    I can reverse into my drive but i cannot reverse into a parking space on the street. Only me
    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 7th Sep 17, 9:30 PM
    • 48,483 Posts
    • 178,303 Thanks
    beanielou
    I hid my smarties in such a safe place I cant find them
    I am having withdrawal symptoms
    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***
    • Upsidedown Bear
    • By Upsidedown Bear 7th Sep 17, 9:37 PM
    • 17,820 Posts
    • 77,815 Thanks
    Upsidedown Bear
    Bear~~thank you.
    So lovely to see you.
    Hope all well in your world.
    Have missed you
    Originally posted by beanielou
    Sorry I haven't been on MSE much lately.

    Missing smarties you say? I think someone made them into a cake





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

    • ZTD
    • By ZTD 7th Sep 17, 9:41 PM
    • 23,247 Posts
    • 40,550 Thanks
    ZTD
    My reversing has never been my strong suit.
    I cant really explain it.
    I can reverse into my drive but i cannot reverse into a parking space on the street. Only me
    Originally posted by beanielou
    I can reverse using mirrors, but if I turn around and look I get confused...
    "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 7th Sep 17, 10:10 PM
    • 48,483 Posts
    • 178,303 Thanks
    beanielou
    Sorry I haven't been on MSE much lately.

    Missing smarties you say? I think someone made them into a cake




    Originally posted by Upsidedown Bear
    Great to see you.
    Thats what happened to my smarties

    Fell earlier.
    Pain kicking in now.
    Hey ho.
    Would be fab to have a week without falling once.
    If only
    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***
    • Upsidedown Bear
    • By Upsidedown Bear 7th Sep 17, 10:18 PM
    • 17,820 Posts
    • 77,815 Thanks
    Upsidedown Bear
    Great to see you.
    Thats what happened to my smarties

    Fell earlier.
    Pain kicking in now.
    Hey ho.
    Would be fab to have a week without falling once.
    If only
    Originally posted by beanielou


    Smilie says he's going to come over with some bubble wrap for you.
    Do you want white or pink?





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

    • beanielou
    • By beanielou 7th Sep 17, 10:19 PM
    • 48,483 Posts
    • 178,303 Thanks
    beanielou
    Smilie is a wee star
    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***
    • Betterthanever
    • By Betterthanever 7th Sep 17, 10:37 PM
    • 356 Posts
    • 1,480 Thanks
    Betterthanever
    Ooooh.... caaaaaake!

    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!
    • brizzledfw
    • By brizzledfw 8th Sep 17, 3:35 PM
    • 7,156 Posts
    • 34,728 Thanks
    brizzledfw
    And what a cake ....

    hope you find the smarties Beanie
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 8th Sep 17, 6:53 PM
    • 48,483 Posts
    • 178,303 Thanks
    beanielou
    You will never guess where I found the smarties.











    In the boot of the car
    Put there by a certain DS
    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 8th Sep 17, 8:28 PM
    • 48,483 Posts
    • 178,303 Thanks
    beanielou
    Not even 8.30 & it is dark
    & not exactly warm either
    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 8th Sep 17, 9:20 PM
    • 23,247 Posts
    • 40,550 Thanks
    ZTD
    Fell earlier.
    Pain kicking in now.
    Hey ho.
    Would be fab to have a week without falling once.
    If only
    Originally posted by beanielou


    You're going to have to stop that. Or we shall Take Measures (TM)...



    You will never guess where I found the smarties.

    In the boot of the car
    Put there by a certain DS
    Originally posted by beanielou
    He's trying to cut down on your brightly-coloured tablet habit...

    Not even 8.30 & it is dark
    & not exactly warm either
    Originally posted by beanielou
    There's been a number of reports around the world of it getting cold early for winter. It has been somewhat cold and very rainy here.

    Hopefully it'll be like last winter, where the southerners got all the bad weather...
    "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'
    • Sun Addict
    • By Sun Addict 8th Sep 17, 9:24 PM
    • 4,602 Posts
    • 26,268 Thanks
    Sun Addict
    Since Mr SA got his scooter his mobility has got worse, so personally I would say try and hold off as long as you can. However, if you would feel safer then go ahead. Not liking the nights drawing in
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • Karmacat
    • By Karmacat 9th Sep 17, 2:58 PM
    • 28,035 Posts
    • 154,073 Thanks
    Karmacat
    Good grief, the weather man just mentioned a touch of ground frost!!! And the heavens just opened I disapprove, generally speaking.
    Retired August 2016
    • beanielou
    • By beanielou 9th Sep 17, 9:21 PM
    • 48,483 Posts
    • 178,303 Thanks
    beanielou
    Dear Z.
    Please may I have your thoughts on something similar to this.
    Thank you

    http://www.ebay.co.uk/itm/Style-4mph-Portable-Travel-Car-Boot-Mobility-Scooter-4-Wheel-Shopping/381393043480?_trksid=p2485497.m4902.l9144

    Anyone else any experience of anything similar? Thanks.
    Wont be at the moment but trying to gather my thoughts together.
    Thank 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 9th Sep 17, 9:52 PM
    • 48,483 Posts
    • 178,303 Thanks
    beanielou
    Watching The Last Night at the Proms & resisting raspberry gin!!
    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***
    • Betterthanever
    • By Betterthanever 9th Sep 17, 10:39 PM
    • 356 Posts
    • 1,480 Thanks
    Betterthanever
    I had the gin while singing away!

    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!
    • ZTD
    • By ZTD 9th Sep 17, 10:48 PM
    • 23,247 Posts
    • 40,550 Thanks
    ZTD
    Originally posted by beanielou
    Well first I would say the VAT exemption is important. A fifth off is a big chunk of change.

    I also notice the "12Ah Battery Pack: 9.2kgs (20.2lbs)" - smells like lead-acid battery to me. That's pretty heavy, I don't care about the "Removable battery pack with easy to carry handle and locking mechanism" - 20 lbs is still pretty heavy.

    How are you going to be using this? Are you expecting to be able to get it in and out of your car? It's looking pretty heavy for that. Even taking the weight of the various other bits off, the base is looking approx 50lb weight.

    It is cheap though - I'll give it that (I have no idea why they're so expensive!). Have you thought about second-hand?
    "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'
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