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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 50,573Posts
    • 193,447Thanks
    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 179
    • ZTD
    • By ZTD 5th Feb 18, 10:55 PM
    • 23,570 Posts
    • 41,871 Thanks
    ZTD
    I hadent thought of carnation.
    Originally posted by beanielou
    It's nice - very nice. Just don't drink the tin.

    Tinned spaghetti on toast. Bleugh.
    Originally posted by beanielou
    The Student Banquet.

    Still cant believe how vile that long life stuff it
    Originally posted by beanielou
    Try the UHT version of this stuff. Even goes on cornflakes.



    The other nut juices are nasty 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 Feb 18, 11:05 PM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    Not a lover of nuts Z.
    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 Feb 18, 11:05 AM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    More snow here today.
    Hopefully wont stay around too long.
    On NSD no 6 of the month.
    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 6th Feb 18, 12:04 PM
    • 1,097 Posts
    • 9,005 Thanks
    WannabeFree
    Snow here too

    Stay safe and warm

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 6th Feb 18, 12:08 PM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    Thank you x
    You too Wb
    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 Feb 18, 4:10 PM
    • 1,512 Posts
    • 6,791 Thanks
    milann
    So pleased you slept well - best medicine ever.

    It has been snowing on and off here but thankfully has not been sticking.

    Good luck with the council forms - do they still alter things for single occupancy?
    • beanielou
    • By beanielou 6th Feb 18, 4:14 PM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    So pleased you slept well - best medicine ever.

    It has been snowing on and off here but thankfully has not been sticking.

    Good luck with the council forms - do they still alter things for single occupancy?
    Originally posted by milann
    nning out of mobile minutes
    Yes, they do.

    Also need to do yet another form as I need to reregister for the bin collection. I am drowning in bleeping paperwork at the min.

    Also, my house phone is not working & I am running out of mobile minutes. What next
    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 Feb 18, 6:00 PM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    Frogs eaten!!
    Have applied for disabled discount for CT.
    It does clearly state on application form it should be a second bathroom.
    However I have pointed out that the wet room was fitted by contracters appointed by the council. Also done in conjunction with community OT & that I received a council grant for the work to be carried out.
    We can but see.
    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 Feb 18, 6:02 PM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    Also reapplied for the second bin on medical grounds.
    The hoops you have to jump through.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***
    • Karmacat
    • By Karmacat 6th Feb 18, 6:06 PM
    • 28,540 Posts
    • 160,959 Thanks
    Karmacat
    I'm glad you went for it, though, beanie - you have rights!
    Retired August 2016
    • beanielou
    • By beanielou 6th Feb 18, 6:12 PM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    I'm glad you went for it, though, beanie - you have rights!
    Originally posted by Karmacat
    You are right Kc.
    Certainly doesent feel like it sometimes though
    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 Feb 18, 7:11 PM
    • 2,528 Posts
    • 12,048 Thanks
    doingitanyway
    Glad you did it. It might not have felt good to have done so but it sounds like it was the right thing to do...
    JANUARY 2016/SECURED DEBT=24,822/February 2018=1,670
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 6th Feb 18, 7:30 PM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    Glad you did it. It might not have felt good to have done so but it sounds like it was the right thing to do...
    Originally posted by doingitanyway
    I hope so & I hope its worth it.
    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 6th Feb 18, 7:49 PM
    • 3,390 Posts
    • 21,415 Thanks
    HairyHandofDartmoor
    Frogs eaten!!
    Have applied for disabled discount for CT.
    It does clearly state on application form it should be a second bathroom.
    However I have pointed out that the wet room was fitted by contracters appointed by the council. Also done in conjunction with community OT & that I received a council grant for the work to be carried out.
    We can but see.
    Originally posted by beanielou
    Also reapplied for the second bin on medical grounds.
    The hoops you have to jump through.Bah
    Originally posted by beanielou

    Well done . You have nothing to lose but your time (and sanity ) and hopefully will gain something.
    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 = £0/Loss of Income Fund £0
    • beanielou
    • By beanielou 6th Feb 18, 9:06 PM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    Well done . You have nothing to lose but your time (and sanity ) and hopefully will gain something.
    Originally posted by HairyHandofDartmoor
    I hope so, I really do.
    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***
    • beanielou
    • By beanielou 7th Feb 18, 8:40 AM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    Very cold here today~~brrrr.
    First non seated yoga class of the year~~wish me luck.
    Woke up this morning & it was so cold.
    The heating had not come on.
    After much fiddling it is now on.
    I find one of the knobs I have to move to do the pressure really hard to do.
    Anyway, 'tis done now.
    Yah to 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***
    • abba1772
    • By abba1772 7th Feb 18, 9:13 AM
    • 4,346 Posts
    • 14,305 Thanks
    abba1772
    Hi beanielou

    Thought I would pop in and cheer you on

    Hope yoga is as relaxing as it sounds......never tried it xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
    • WannabeFree
    • By WannabeFree 7th Feb 18, 11:45 AM
    • 1,097 Posts
    • 9,005 Thanks
    WannabeFree
    Have a lovely day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 7th Feb 18, 5:06 PM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    Hi beanielou

    Thought I would pop in and cheer you on

    Hope yoga is as relaxing as it sounds......never tried it xx
    Originally posted by abba1772
    Good to see you

    Yoga was hard going today.
    Hamstrings well stretched
    When it is so cold my muscles really seize up & it was -4 this morning
    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 Feb 18, 5:08 PM
    • 50,573 Posts
    • 193,447 Thanks
    beanielou
    Have a lovely day

    x
    Originally posted by WannabeFree
    You too 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***
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