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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 49,085Posts
    • 182,315Thanks
    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 158
    • beanielou
    • By beanielou 4th Dec 17, 8:59 PM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    Forget yesterday's wee update.
    DS visited & it was lovely to see him & spend some time with him.
    We were able to have a good wee chat about lots of things & that was great. So he is up to speed on the will & the two power of attorneys, particularily the health one which is the important one & he now up to speed on my wishes which to be fair he knew before.
    We were able to chat about the mortgage & money going forward which was also good.
    For him I really hope that he & his GF can get the damp sorted out in their rental property. I would prefer that they moved but it is easier said than done for many reasons including money & the length of commute to work & to uni.
    Always something though I worry about the impact of the damp on their health.
    Good to write all down actually
    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 4th Dec 17, 10:02 PM
    • 28,190 Posts
    • 155,346 Thanks
    Karmacat
    That sounds good, Beanie! Always nice to be up to date with what's going on for your loved ones.
    Retired August 2016
    • beanielou
    • By beanielou 4th Dec 17, 10:16 PM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    That sounds good, Beanie! Always nice to be up to date with what's going on for your loved ones.
    Originally posted by Karmacat
    It is. 'Tis good for the soul.
    Messaging & text's are ok but face to face is best.
    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 Dec 17, 1:37 PM
    • 1,423 Posts
    • 6,223 Thanks
    milann
    Hi Beanie - so pleased you have had chance to have a heart to heart with your son. Nothing better than face to face chatting and maybe even a tiny hug - can't do that to a screen....
    I'm so pleased you are giving yourself some slack with the mortgage - it will go down naturally and if you manage to put a tiny bit of cash away as a buffer that will be there for whatever you choose - to pay the mortgage, for repairs or fun - the choice will be all yours lovely lady. I can completely understand what a worry it must be though....if it's in your nature to worry it's hard to break that.
    • beanielou
    • By beanielou 5th Dec 17, 1:49 PM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    Hi Beanie - so pleased you have had chance to have a heart to heart with your son. Nothing better than face to face chatting and maybe even a tiny hug - can't do that to a screen....
    I'm so pleased you are giving yourself some slack with the mortgage - it will go down naturally and if you manage to put a tiny bit of cash away as a buffer that will be there for whatever you choose - to pay the mortgage, for repairs or fun - the choice will be all yours lovely lady. I can completely understand what a worry it must be though....if it's in your nature to worry it's hard to break that.
    Originally posted by milann

    Thank you Milan.
    Have just posted on your diary
    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 5th Dec 17, 5:57 PM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    So did a wee bit of internet shopping at the weekend.
    Three parts of it came today.
    So that was super quick.
    One of the people that delivered obviously had no idea that having a handrail at the front door may indicate that the occupier is a tad slower than normal at getting to the door
    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 Dec 17, 7:53 PM
    • 4,761 Posts
    • 28,345 Thanks
    Sun Addict
    I've thought about putting a sign on our door saying be aware occupant is disabled and may not answer the door immediately. Saturday morning a delivery bloke knocked so hard on our door he nearly gave me a heart attack!
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 5th Dec 17, 8:13 PM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    I've thought about putting a sign on our door saying be aware occupant is disabled and may not answer the door immediately. Saturday morning a delivery bloke knocked so hard on our door he nearly gave me a heart attack!
    Originally posted by Sun Addict
    One of them today did that
    Had hardly got out my chair when they thumped 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***
    • ZTD
    • By ZTD 5th Dec 17, 8:17 PM
    • 23,366 Posts
    • 40,934 Thanks
    ZTD
    So did a wee bit of internet shopping at the weekend.
    Three parts of it came today.
    So that was super quick.
    One of the people that delivered obviously had no idea that having a handrail at the front door may indicate that the occupier is a tad slower than normal at getting to the door
    Originally posted by beanielou
    Sometimes they don't even want to try to deliver. I was lurking near the door for one parcel, and the bloke had stuffed the card in through the door and was half-way to his van before I managed to turn the key and open the door. He seemed most perturbed about having to dig my parcel out of his van.

    I think the delivery companies are getting wise to that these days though.
    "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 5th Dec 17, 8:27 PM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    It was interesting that both people who delivered today I had not seen before.

    As you say Z I think the delivery companies are getting wise to some of the dodges.

    Interestingly I got a gift voucher I had ordered which came through the post and was just through the door. No signed for or anything.
    Surely that is open to abuse?
    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 6th Dec 17, 12:39 PM
    • 1,423 Posts
    • 6,223 Thanks
    milann
    yep - I've had delivery folk pushing notes through before knocking and I've had to chase after them to retrieve my items. I try and get things delivered to mr m's work now.
    Have you finally managed to chase that bug off now Beanie - hope so.
    • beanielou
    • By beanielou 6th Dec 17, 4:39 PM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    I think I have finally got rid of the bug
    That is nearly 4 weeks

    I have a CHristmas lunch tomorrow.
    I am going to have gammon~not had gammon in ages so looking forward to it
    Weather forecast for tomorrow is not the best so will hope for the best!
    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 Dec 17, 5:58 PM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    & had my hair cut today
    Best 7 quid I have spent in ages
    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 6th Dec 17, 7:47 PM
    • 2,221 Posts
    • 10,270 Thanks
    doingitanyway
    Hair cut? Gammon for tomorrow?
    It is official. Your mojo is back
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,475
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 6th Dec 17, 7:52 PM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    Hair cut? Gammon for tomorrow?
    It is official. Your mojo is back
    Originally posted by doingitanyway
    I think so
    Was worried it was lost forever
    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 6th Dec 17, 8:25 PM
    • 1,423 Posts
    • 6,223 Thanks
    milann
    Enjoy your lunch and hope the forecast weather doesn't blow your new hairdo too much
    • beanielou
    • By beanielou 6th Dec 17, 8:39 PM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    I have fab hair even if I say it myself.
    A bob, & it keeps itself.
    So lucky
    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 6th Dec 17, 9:27 PM
    • 4,761 Posts
    • 28,345 Thanks
    Sun Addict
    So pleased you're back in the land of the living, have a fab new haircut and a Christmas lunch to look forward to

    Don't you have Storm Caroline heading your way tomorrow

    Hopefully won't be too bad.

    Back on the subject of delivery men, they fill the cards out before they get out of the van. Have seen them heading down our drive clutching one. Feel like saying sorry to disappoint but we're in
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 6th Dec 17, 9:32 PM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    Yes, Storm Caroline tomorrow.
    Will have to see what it brings.
    4 people going in my car so that should help to weigh it down
    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 Dec 17, 11:46 AM
    • 49,085 Posts
    • 182,315 Thanks
    beanielou
    Christmas bonus day today.
    As this is a mortgage free diary I want you to know that I sent the whole 10 quid to my mortgage
    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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