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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 49,035Posts
    • 182,071Thanks
    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 156
    • ZTD
    • By ZTD 27th Nov 17, 1:55 PM
    • 23,355 Posts
    • 40,920 Thanks
    ZTD
    So pleased you are getting better Beanie.
    Originally posted by milann


    I did a double take as it hour SA was going to say Primani have a new range in kittens.
    Originally posted by milann
    I thought it was gloves made from kittens...
    "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 27th Nov 17, 1:59 PM
    • 49,035 Posts
    • 182,071 Thanks
    beanielou




    I thought it was gloves made from kittens...
    Originally posted by ZTD
    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 27th Nov 17, 2:00 PM
    • 49,035 Posts
    • 182,071 Thanks
    beanielou
    I really really need to go out for milk.
    I so CBA. My bad.
    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 27th Nov 17, 9:15 PM
    • 49,035 Posts
    • 182,071 Thanks
    beanielou
    I have no milk.
    I have not been out.
    I am sick of drinking ribena.
    I slept all afternoon.
    Recycling bucket is not up.
    No chores have been done
    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 27th Nov 17, 9:49 PM
    • 2,204 Posts
    • 10,214 Thanks
    doingitanyway
    No chores have been done
    Originally posted by beanielou
    Of course they haven't! You have been unwell. I took your advice about me being hard on myself and adjusted my behaviour, only to pop over here to see you are even harder on yourself than I am on myself. Blow the chores for now. Tomorrow is another day and hopefully you will be able to get some milk in. Take care
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • Sun Addict
    • By Sun Addict 27th Nov 17, 9:55 PM
    • 4,732 Posts
    • 28,184 Thanks
    Sun Addict
    Don't worry about the chores, they'll still be there tomorrow.

    You lot have made me laugh about the kittens Someone only has to mention kittens and we all melt into helpless heaps

    Take care xx

    Kittens
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • ZTD
    • By ZTD 27th Nov 17, 10:54 PM
    • 23,355 Posts
    • 40,920 Thanks
    ZTD
    I have no milk.
    I have not been out.
    I am sick of drinking ribena.
    I slept all afternoon.
    Recycling bucket is not up.
    No chores have been done
    Originally posted by beanielou
    At least you got something done.

    "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'
    • Butti
    • By Butti 27th Nov 17, 11:07 PM
    • 4,541 Posts
    • 11,997 Thanks
    Butti
    No chores have been done
    Originally posted by beanielou
    Has chicken licken called round? No the eff he has!

    WHY?
    Because the sky is not falling down tomorrow Beanie even though you haven't done your chores.

    Seriously woman ........
    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
    • michelle09
    • By michelle09 28th Nov 17, 8:24 AM
    • 459 Posts
    • 1,806 Thanks
    michelle09
    I'm sure the chores will be there tomorrow (I just got in trouble with OH for washing up on a broken foot, so I feel your pain).

    Just get yourself better first!
    • EssexHebridean
    • By EssexHebridean 28th Nov 17, 1:04 PM
    • 8,234 Posts
    • 43,603 Thanks
    EssexHebridean
    The world will definitely NOT stop turning. Just concentrate on getting better (and finding a plan to get milk!)
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£702.45 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • doingitanyway
    • By doingitanyway 28th Nov 17, 2:37 PM
    • 2,204 Posts
    • 10,214 Thanks
    doingitanyway
    Are you feeling better?
    Do you have milk now?
    Hoping the answer is yes to at least one of the questions!
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • milann
    • By milann 28th Nov 17, 6:22 PM
    • 1,417 Posts
    • 6,203 Thanks
    milann
    Sleep is the best way to spend the afternoon as your body wil be fighting all those little bugs off.
    Wish I was nearer to you I'd hobble around on my crutches with a pint of milk in my rucksack for you - take care
    • beanielou
    • By beanielou 28th Nov 17, 6:49 PM
    • 49,035 Posts
    • 182,071 Thanks
    beanielou
    Sleep is the best way to spend the afternoon as your body wil be fighting all those little bugs off.
    Wish I was nearer to you I'd hobble around on my crutches with a pint of milk in my rucksack for you - take care
    Originally posted by milann
    Aww how sweet

    I finally had a shower & have been & bought milk & just a few bits and bobs. (May have bought a reduced chocolate log)
    I am knackered again & boy is it cold cold here.
    The kind chap in the shop carried shopping to the car
    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 28th Nov 17, 6:51 PM
    • 49,035 Posts
    • 182,071 Thanks
    beanielou
    Thank you all for all the good wishes everyone.
    They mean a lot.
    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 28th Nov 17, 8:29 PM
    • 49,035 Posts
    • 182,071 Thanks
    beanielou
    You could so not take it up
    Got up, fell over, knocked a pile of stuff off the table.
    Broken DS's graduation picture.
    Got my fingers stuck under the door.
    They are all bruised.
    Bah. Bah. Bah.
    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 1st Dec 17, 3:51 PM
    • 49,035 Posts
    • 182,071 Thanks
    beanielou
    Ist December today!!
    If I had still been married would have been married 35 years this week
    Feels like that was another me in another life.

    Anyway. Another mortgage payment has gone today so another month nearer freedom.
    I think I have made the very difficult decision to cut back on the monthly amount I pay to the mortgage.
    I think I need to cut myself a bit of slack.
    Although I am so keen to get rid of this mortgage because of the worry about my income I dont think I can go on as I can.
    Thoughts welcome dear reader.

    Hope we all have a good December.
    I am so liberated as I have cut down on Christmas presents so much.
    So pleased with myself.
    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***
    • maddiemay
    • By maddiemay 1st Dec 17, 4:18 PM
    • 3,212 Posts
    • 28,219 Thanks
    maddiemay
    Beanie I hope that you don't mind me delurking to say that I think you cutting yourself a bit of slack is a good call, particularly through the winter months when you need to have warmth and warming healthy food.
    Take care.
    MM x
    • WannabeFree
    • By WannabeFree 1st Dec 17, 4:46 PM
    • 421 Posts
    • 2,907 Thanks
    WannabeFree
    Beanie I hope that you don't mind me delurking to say that I think you cutting yourself a bit of slack is a good call, particularly through the winter months when you need to have warmth and warming healthy food.
    Take care.
    MM x
    Originally posted by maddiemay
    I agree totally x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • ZTD
    • By ZTD 1st Dec 17, 5:06 PM
    • 23,355 Posts
    • 40,920 Thanks
    ZTD
    Ist December today!!
    Originally posted by beanielou
    Almost Christmas...

    If I had still been married would have been married 35 years this week
    Feels like that was another me in another life.
    Originally posted by beanielou
    So I take it you wouldn't do that again?

    Anyway. Another mortgage payment has gone today so another month nearer freedom.
    I think I have made the very difficult decision to cut back on the monthly amount I pay to the mortgage.
    I think I need to cut myself a bit of slack.
    Although I am so keen to get rid of this mortgage because of the worry about my income I dont think I can go on as I can.
    Thoughts welcome dear reader.
    Originally posted by beanielou
    If you pay it off your mortgage, it is lost to you forever. If you keep hold of it, then you can at some stage just...pay it off your mortgage!

    Don't think of it as an ambition denied - just delayed a little. Which in the grand scheme of mortgages is not very long at all.

    Hope we all have a good December.
    I am so liberated as I have cut down on Christmas presents so much.
    So pleased with myself.
    Originally posted by beanielou
    "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 1st Dec 17, 5:28 PM
    • 49,035 Posts
    • 182,071 Thanks
    beanielou
    Almost Christmas...



    So I take it you wouldn't do that again?

    That would be a bit fat no



    If you pay it off your mortgage, it is lost to you forever. If you keep hold of it, then you can at some stage just...pay it off your mortgage!

    Don't think of it as an ambition denied - just delayed a little. Which in the grand scheme of mortgages is not very long at all.



    Originally posted by ZTD
    This is true.

    I know the problem of me getting so stressed about it ( as I think you know) is having a so called assessment & being told I had nothing wrong with me. So I lost half my income for a while before it was sorted out.
    That had such an impact on my physical & mental health it was just dire. So people tell me not to worry but unfortunatly I do. In a way it is worse now as I can see the light at the end of the tunnel in a way. Apologies for the essay.
    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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