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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 49,570Posts
    • 186,665Thanks
    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 169
    • Sun Addict
    • By Sun Addict 7th Jan 18, 9:19 PM
    • 4,996 Posts
    • 31,034 Thanks
    Sun Addict
    That's the trouble with our fur babies Beanie - we get too attached to them and want them to live forever
    Virtual Sealed Pot 2018 £106.40
    Jan NSDs 6 Jan AFDs 7
    Weight loss 2.5/10LBS Emergency Fund £1685.31/£10,000
    April holiday £0/£900
    • beanielou
    • By beanielou 8th Jan 18, 8:35 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Not the best of days.
    A good friends mum has died & a close family member has been diagnosed with a serious health problem.
    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***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Jan 18, 9:44 PM
    • 2,927 Posts
    • 16,997 Thanks
    HairyHandofDartmoor
    Sorry to hear that beanie, not very nice news .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £36.76/Loss of Income Fund £0
    • beanielou
    • By beanielou 8th Jan 18, 9:57 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Sorry to hear that beanie, not very nice news .
    Originally posted by HairyHandofDartmoor
    No it is not.
    Still sinking in I think.

    Makes everything else seem so inconsequental.
    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***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Jan 18, 10:16 PM
    • 2,927 Posts
    • 16,997 Thanks
    HairyHandofDartmoor
    Yes it does tend to put things in perspective and make you realise what's important and what's trivial .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £36.76/Loss of Income Fund £0
    • michelle09
    • By michelle09 9th Jan 18, 10:57 AM
    • 594 Posts
    • 2,778 Thanks
    michelle09
    I'm so sorry beanie, thinking of you today.
    • milann
    • By milann 9th Jan 18, 11:17 AM
    • 1,478 Posts
    • 6,571 Thanks
    milann
    Oh Beanie that's sad. Thinking of you.
    Take care and give your fur baby an extra cuddle.
    • beanielou
    • By beanielou 9th Jan 18, 3:14 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Thank you as always for your support.
    My head is a bit frazzled.
    Currently could not give a flying stuff about mortgage or anything much else.
    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***
    • WannabeFree
    • By WannabeFree 9th Jan 18, 5:36 PM
    • 397 Posts
    • 5,619 Thanks
    WannabeFree
    Oh Beanie that's sad. Thinking of you.
    Take care and give your fur baby an extra cuddle.
    Originally posted by milann
    From me too x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Sun Addict
    • By Sun Addict 9th Jan 18, 9:44 PM
    • 4,996 Posts
    • 31,034 Thanks
    Sun Addict
    Sorry to read the bad news Beanie. It certainly makes you realise what's really important in life.

    Take care xx
    Virtual Sealed Pot 2018 £106.40
    Jan NSDs 6 Jan AFDs 7
    Weight loss 2.5/10LBS Emergency Fund £1685.31/£10,000
    April holiday £0/£900
    • beanielou
    • By beanielou 9th Jan 18, 9:54 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Sorry to read the bad news Beanie. It certainly makes you realise what's really important in life.

    Take care xx
    Originally posted by Sun Addict
    Thank you xx
    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***
    • Fortune Smiles
    • By Fortune Smiles 10th Jan 18, 9:35 AM
    • 2,648 Posts
    • 21,914 Thanks
    Fortune Smiles
    Horrid news Beanie. Sending hugs.

    Fortune x
    Mortgage: 2.4% paid House Deposit Contribution: 92% Emergency Fund: 58%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • doingitanyway
    • By doingitanyway 10th Jan 18, 5:57 PM
    • 2,386 Posts
    • 11,230 Thanks
    doingitanyway
    Sorry you have begun the year with bad news...
    JANUARY 2016/SECURED DEBT=24,822/December 2017=2,510
    MORTGAGE FREE 25/07/16
    • Karmacat
    • By Karmacat 10th Jan 18, 6:01 PM
    • 28,377 Posts
    • 158,104 Thanks
    Karmacat
    Thank you as always for your support.
    My head is a bit frazzled.
    Currently could not give a flying stuff about mortgage or anything much else.
    Originally posted by beanielou
    I'm just catching up, beanie, so sorry to hear what's happened. Not surprised you're frazzled and the mortgage feels so unimportant - loved ones are what matter at the end of the day. Thinking of you.
    Retired August 2016
    • beanielou
    • By beanielou 10th Jan 18, 9:14 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Thank you all for your kind words.
    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***
    • Cumbria lass
    • By Cumbria lass 10th Jan 18, 9:51 PM
    • 1,108 Posts
    • 6,040 Thanks
    Cumbria lass
    Just adding sorry to hear your news , not a great start to the year . Virtual hug to you x
    Jan 2018 CC1 £3099 CC2 £258

    Debt Free Nov 2019: earlier if I have my way
    • in need of direction
    • By in need of direction 12th Jan 18, 10:49 AM
    • 4,809 Posts
    • 27,357 Thanks
    in need of direction
    and from me too. take care
    Mortgage at 01.01.14 £119,481.83 today £78,892.61, target £65,000 by 31/12/18 Offset fund today £4,075.43 target £5,500 by 31/12/18
    Emergency fund £355.5k & £200/200 cash.
    Current weight loss 9/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • milann
    • By milann 12th Jan 18, 11:38 AM
    • 1,478 Posts
    • 6,571 Thanks
    milann
    Hope you're doing ok Beanie. Have a nice weekend
    • beanielou
    • By beanielou 12th Jan 18, 8:24 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Plodding is the best that can be said.
    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 12th Jan 18, 8:25 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Thanks 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***
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