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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 49,047Posts
    • 182,135Thanks
    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 159
    • beanielou
    • By beanielou 7th Dec 17, 5:39 PM
    • 49,047 Posts
    • 182,135 Thanks
    beanielou
    Lunch was fab.
    Really enjoyed it.
    Gammon & mustard mash

    Foodbank meeting tonight~~hope I dont fall asleep
    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, 6:24 PM
    • 49,047 Posts
    • 182,135 Thanks
    beanielou
    Now having a wee greet at Employable 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***
    • Pooky
    • By Pooky 7th Dec 17, 7:53 PM
    • 6,736 Posts
    • 41,649 Thanks
    Pooky
    I had a hair cut today too, amazing how much it can lift your spirits isn’t it.
    "Start every day off with a smile and get it over with" - W. C. Field.
    • Sun Addict
    • By Sun Addict 7th Dec 17, 9:01 PM
    • 4,738 Posts
    • 28,206 Thanks
    Sun Addict
    And there I was thinking you'd squander that Christmas bonus You're just too sensible
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 7th Dec 17, 9:21 PM
    • 49,047 Posts
    • 182,135 Thanks
    beanielou
    And there I was thinking you'd squander that Christmas bonus You're just too sensible
    Originally posted by Sun Addict
    I have a figure that I would really really like my mortgage to be by the last day of 2017
    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***
    • Butti
    • By Butti 7th Dec 17, 10:30 PM
    • 4,542 Posts
    • 11,998 Thanks
    Butti
    Mine will have made it to under £70k
    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
    • beanielou
    • By beanielou 8th Dec 17, 5:28 PM
    • 49,047 Posts
    • 182,135 Thanks
    beanielou
    Mine will have made it to under £70k
    Originally posted by Butti
    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 Dec 17, 6:07 PM
    • 49,047 Posts
    • 182,135 Thanks
    beanielou
    It is absolutly baltic here today.
    To be even colder tomorrow
    The mind boggles!!
    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***
    • Butti
    • By Butti 8th Dec 17, 6:44 PM
    • 4,542 Posts
    • 11,998 Thanks
    Butti
    I was on a building site today.....it was lovely NOT!!! At least I wasn't laying the block paving - what a job for today!
    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 8th Dec 17, 6:45 PM
    • 460 Posts
    • 1,824 Thanks
    michelle09
    It is. Had to crank up the heating which I was really hoping to keep it low for a few more weeks.

    Gammon and mustard mash sounds delicious.
    • shangaijimmy
    • By shangaijimmy 8th Dec 17, 7:31 PM
    • 2,281 Posts
    • 10,613 Thanks
    shangaijimmy
    I have a figure that I would really really like my mortgage to be by the last day of 2017
    Originally posted by beanielou
    My figure is so exciting as its £99,999!! Dropping a big big digit!
    MFW: Turning June 2036 into March 2023... 33//120 Payments Challenge, Diary Reduction £35,448.08
    Aug 2009: £163,051 // Current: £100,551.94 // Avg Daily Interest £4.52
    MFiT-T4 #8 - 56.74% of £41,000
    • beanielou
    • By beanielou 8th Dec 17, 7:35 PM
    • 49,047 Posts
    • 182,135 Thanks
    beanielou
    My figure is so exciting as its £99,999!! Dropping a big big digit!
    Originally posted by shangaijimmy
    Well that is REALLY exciting
    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 Dec 17, 7:39 PM
    • 23,358 Posts
    • 40,920 Thanks
    ZTD
    It is absolutly baltic here today.
    To be even colder tomorrow
    The mind boggles!!
    Originally posted by beanielou
    I look on the bright side, I saw the weather radar today. Two bands of snow moving down either side of the country. The Isle of Man looks to have taken it where the sun definitely was not shining...
    "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'
    • in need of direction
    • By in need of direction 8th Dec 17, 10:03 PM
    • 4,738 Posts
    • 26,832 Thanks
    in need of direction
    We have snow. It is cold.
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £130/200 cash.
    Current weight loss 7/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 9th Dec 17, 6:40 PM
    • 49,047 Posts
    • 182,135 Thanks
    beanielou
    No snow here but very cold.

    SAw DS today for a quick coffee between him finishing work & going into uni. Food for my soul
    Treated myself to a sweatshirt with 50% off.

    Have a great weekend all.
    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 10th Dec 17, 1:44 PM
    • 28,180 Posts
    • 155,270 Thanks
    Karmacat
    Aww, glad you saw your DS. And hope you still don't have any snow.
    Retired August 2016
    • beanielou
    • By beanielou 10th Dec 17, 4:50 PM
    • 49,047 Posts
    • 182,135 Thanks
    beanielou
    Still no snow.
    It was -6 this morning.
    Car is frozen very solid!
    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 10th Dec 17, 4:57 PM
    • 23,358 Posts
    • 40,920 Thanks
    ZTD
    Still no snow.
    It was -6 this morning.
    Car is frozen very solid!
    Originally posted by beanielou
    So long as it starts, that's all that matters.
    "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'
    • Karmacat
    • By Karmacat 10th Dec 17, 4:58 PM
    • 28,180 Posts
    • 155,270 Thanks
    Karmacat
    Good grief, that's ... quite cold! Like, the Arctic! Stay warm
    Retired August 2016
    • beanielou
    • By beanielou 10th Dec 17, 5:07 PM
    • 49,047 Posts
    • 182,135 Thanks
    beanielou
    So long as it starts, that's all that matters.
    Originally posted by ZTD
    Dident even try
    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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