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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 49,570Posts
    • 186,681Thanks
    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 170
    • Kittenkirst
    • By Kittenkirst 13th Jan 18, 7:38 AM
    • 1,712 Posts
    • 9,123 Thanks
    Kittenkirst
    Oh BeanieLou, I’m very sorry. I hope you are taking it easy and snuggling your fur baby lots x
    2018 MFW #20 - OP £395.01/ £3000 13%

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • beanielou
    • By beanielou 13th Jan 18, 7:56 PM
    • 49,570 Posts
    • 186,681 Thanks
    beanielou
    Oh BeanieLou, Iím very sorry. I hope you are taking it easy and snuggling your fur baby lots x
    Originally posted by Kittenkirst
    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***
    • Sun Addict
    • By Sun Addict 13th Jan 18, 8:56 PM
    • 4,996 Posts
    • 31,055 Thanks
    Sun Addict
    Quite a few people I know are starting the new year on a bad note, it's weird. Hope you're ok in yourself and the best boy is ok 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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Jan 18, 8:58 PM
    • 2,928 Posts
    • 17,064 Thanks
    HairyHandofDartmoor
    I hope you feel a bit better soon beanie. Definitely cuddle the fur baby.
    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
    • Seasidegal58
    • By Seasidegal58 13th Jan 18, 9:02 PM
    • 1,427 Posts
    • 8,262 Thanks
    Seasidegal58
    Sorry to hear of your news beanie. As SA said, youíve had a rotten start to the year. Hope things improve for you soon.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • beanielou
    • By beanielou 13th Jan 18, 9:13 PM
    • 49,570 Posts
    • 186,681 Thanks
    beanielou
    Thank you everyone
    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***
    • in need of direction
    • By in need of direction 14th Jan 18, 11:38 AM
    • 4,809 Posts
    • 27,360 Thanks
    in need of direction
    As you've told countless people in the past, plodding is good. You're still managing one foot in front of the other. With all you're dealing with, you need to give yourself credit for keeping going.
    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.
    • beanielou
    • By beanielou 14th Jan 18, 8:18 PM
    • 49,570 Posts
    • 186,681 Thanks
    beanielou
    As you've told countless people in the past, plodding is good. You're still managing one foot in front of the other. With all you're dealing with, you need to give yourself credit for keeping going.
    Originally posted by in need of direction
    With difficulty it has to be said.
    Just way way too much going on & finances are dire as I have taken my eye of the ball big time.
    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 14th Jan 18, 8:59 PM
    • 4,996 Posts
    • 31,055 Thanks
    Sun Addict
    Then it's time to draw a line in the sand and pick yourself up finance wise. Check yourself before you wreck yourself. Big hugs Beanie 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
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Jan 18, 9:03 PM
    • 14,995 Posts
    • 48,656 Thanks
    Buffythedebtslayer
    Oh Beanie. I am sending more hugs. I am sure finances aren't that dire. You are so good at all this money stuff. Hang in there. xxxx
    Penny a day Challenge, Frugal living challenge, £1 a day challenge, VSP challenge, Sealed Pot Challenge.
    • beanielou
    • By beanielou 14th Jan 18, 9:07 PM
    • 49,570 Posts
    • 186,681 Thanks
    beanielou
    Buffy,if only I was good at this money stuff, 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***
    • beanielou
    • By beanielou 14th Jan 18, 9:08 PM
    • 49,570 Posts
    • 186,681 Thanks
    beanielou
    Check yourself before you wreck yourself.
    Not heard that before SA.
    Good advice.
    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 14th Jan 18, 9:10 PM
    • 49,570 Posts
    • 186,681 Thanks
    beanielou
    There is other stuff going on too.
    I am phyically & mentally exhausted.
    Feel like a rubber band ready to ping.
    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 14th Jan 18, 10:11 PM
    • 2,928 Posts
    • 17,064 Thanks
    HairyHandofDartmoor
    Take care of yourself beanie, you sound very stressed. Is there anyone you can talk to in RL?
    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
    • milann
    • By milann 15th Jan 18, 1:05 PM
    • 1,478 Posts
    • 6,573 Thanks
    milann
    Oh Beanie - wish I was close enough to share a cuppa and give you a hug.....
    Hang on in there - take it a step at a time rather than looking a the big picture if it's too daunting. At work we used to a reading rescue scheme called Toe by Toe - which is when step by step is too much to handle. I often think of that title when life's tough and break problems into minuscule tasks to get me through - a toe at a time.....
    • Karmacat
    • By Karmacat 15th Jan 18, 9:07 PM
    • 28,380 Posts
    • 158,125 Thanks
    Karmacat
    Good lord, beanie, it sounds terrible for you right now. Step by step, honey - though I do know what you mean about taking your eye off the ball - as well as the tax, I've got insurance renewals, and I need to recalculate because I have some of my mum's things now ... and I just felt terrible inside, I didn't do anything at all about it

    Thinking of you.x
    Retired August 2016
    • Sun Addict
    • By Sun Addict 15th Jan 18, 9:21 PM
    • 4,996 Posts
    • 31,055 Thanks
    Sun Addict
    Big hugs Beanie, hope things are a bit better today 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
    • EssexHebridean
    • By EssexHebridean 16th Jan 18, 3:12 PM
    • 8,307 Posts
    • 44,250 Thanks
    EssexHebridean
    Loving "Check yourself before you wreck yourself" - great advice there, along with plodding, baby steps etc. You'll get there.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£758.45 (19/12/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • beanielou
    • By beanielou 16th Jan 18, 7:46 PM
    • 49,570 Posts
    • 186,681 Thanks
    beanielou
    We have snow today.
    Lots of.
    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 16th Jan 18, 7:58 PM
    • 23,490 Posts
    • 41,407 Thanks
    ZTD
    We have snow today.
    Lots of.
    Originally posted by beanielou
    How lots is lots of?

    Only an inch on my car this morning. Windscreen cover easy dropped that away.
    "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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