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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 50,578Posts
    • 193,526Thanks
    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 181
    • beanielou
    • By beanielou 10th Feb 18, 3:03 PM
    • 50,578 Posts
    • 193,526 Thanks
    beanielou
    Spoke with DS earlier.
    They are currently finding things tough.
    Unfortunatly I am not in a position to help out.
    It is what it is.
    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***
    • EssexHebridean
    • By EssexHebridean 10th Feb 18, 3:24 PM
    • 8,479 Posts
    • 45,255 Thanks
    EssexHebridean
    Oh Beanie sorry to hear you fell - hope you're not feeling too sore.

    Good advice about the ring too - I'll add to that be absolutely certain you won't on any level regret letting it go. Once it's gone it's too late to think "Oh I wish I hadn't..."

    And while you're not in a position to help financially you can - and I know will - still be there supportively and with advice and help. Sometimes money is the least of it - a shoulder to lean on may be a lot more valuable as time goes on.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£842.87 (12/02/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • ZTD
    • By ZTD 10th Feb 18, 4:18 PM
    • 23,570 Posts
    • 41,875 Thanks
    ZTD
    Spoke with DS earlier.
    They are currently finding things tough.
    Unfortunatly I am not in a position to help out.
    It is what it is.
    Originally posted by beanielou
    It's character building.

    How is he going to appreciate that unwise spending means he has to spend longer at work to pay for it, if his mother is always going to bail him out?

    Well it is 3pm & I am still in my PJ's.
    I really really need to get some for the weekend as I do nothing is there is nothing planned.
    Originally posted by beanielou
    Yes, go out. Even if it's just to the beach or forest or somewhere without 4 walls.

    Am pondering wether to buy another soup maker.
    Will ponder further & if I am look for a deal.
    Originally posted by beanielou
    I'm sure there was a soup maker on Amazon's deal of the day a couple of days ago.
    "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 Feb 18, 5:46 PM
    • 28,542 Posts
    • 160,987 Thanks
    Karmacat
    What Z said - absolutely!
    Retired August 2016
    • beanielou
    • By beanielou 10th Feb 18, 6:24 PM
    • 50,578 Posts
    • 193,526 Thanks
    beanielou
    To be fair to my DS he has not nor would ask for money.
    I just feel bad that I cant give any to him.
    Anyway only about 6 months to go & he will be finished.
    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 10th Feb 18, 9:02 PM
    • 50,578 Posts
    • 193,526 Thanks
    beanielou
    So in six months or so the Masters will be finished.
    I think it is/has been a long haul for us all in one way & another.
    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 10th Feb 18, 9:13 PM
    • 1,097 Posts
    • 9,013 Thanks
    WannabeFree
    It is a long haul.. but think in 6 months or so just how proud of himself (and you of him) that he's done it. It's an amazing achievement. If he hasn't asked don't feel bad. There's many other ways you are there for DS.

    He's very lucky to have a brilliant Mother like you

    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 10th Feb 18, 9:27 PM
    • 50,578 Posts
    • 193,526 Thanks
    beanielou
    It is a long haul.. but think in 6 months or so just how proud of himself (and you of him) that he's done it. It's an amazing achievement. If he hasn't asked don't feel bad. There's many other ways you are there for DS.

    He's very lucky to have a brilliant Mother like you

    x
    Originally posted by WannabeFree

    Thank you.
    I am so very proud of him & always will be.
    I just wish I saw him more but I cant have everything
    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 10th Feb 18, 9:33 PM
    • 5,218 Posts
    • 33,145 Thanks
    Sun Addict
    Wise words from wannabe. One day he'll be looking after you.

    I'm like you, I wish I could help my DS and family but can't realistically.

    Support in other ways is priceless though.
    Virtual Sealed Pot 2018 £153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £150
    • JAMIEDODGER
    • By JAMIEDODGER 11th Feb 18, 8:20 AM
    • 4,201 Posts
    • 18,283 Thanks
    JAMIEDODGER
    Am pondering wether to buy another soup maker.
    Will ponder further & if I am look for a deal.
    Originally posted by beanielou
    If you find a soup maker useful then I would go for it, I am sure there will be a good deal about. I haven't got one, but I have a friend who couldn't live without theirs!

    Hope you are feeling better after your fall x
    #82 12k in 2018 - £1603.62/£12000 - 13.36%
    House Deposit Fund £2000.00/£50000 - 4.00%
    Travel Fund £39.70/£2500 - 1.59%
    • beanielou
    • By beanielou 11th Feb 18, 9:45 AM
    • 50,578 Posts
    • 193,526 Thanks
    beanielou
    THanks JD.
    Not at my best today it has to be said.
    Not sure budget will run to another soup maker so currently still using it & then blending with the hand blender which is also on its last legs. You could not make it up
    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 11th Feb 18, 10:41 AM
    • 4,856 Posts
    • 27,643 Thanks
    in need of direction
    what about sticking to unblended soups for a while - veg broth or french onion soup? re your son, i know exactly what you mean. however, i know see that the best thing i ever did for my son was basically stopping financial support. i lost sleep and many tears over this but he's more savvy and organised now than if i'd kept myself in debt bailing him out. it isn't easy though
    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 £3.5/5.5k & £200/200 cash.
    Current weight loss10/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 11th Feb 18, 3:32 PM
    • 50,578 Posts
    • 193,526 Thanks
    beanielou
    Unfortunatly not a lover of unblended soups
    However have dug out old hand blender meantime & used to blend.
    But it is on the way out too & making a funny smell
    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 11th Feb 18, 3:39 PM
    • 50,578 Posts
    • 193,526 Thanks
    beanielou
    Anyway have been out today & met DS for a quick coffee while he was on his lunch.
    We sat in the sun & boy was it bracing!!
    Got a fab new jumper from his place of work with 75% off & one for my mum.
    Hope they both fit.
    Paid for with love to shop vouchers from doing surveys so NSD there.
    Jeans in M & S reduced to a fiver. Not what have been my first choice but ok.
    Also paid for with vouchers. Go me
    Meant to get wrapping paper for my maw's birthday present but had no cash.
    Will have a rake around & see what I can find.
    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 11th Feb 18, 5:10 PM
    • 1,097 Posts
    • 9,013 Thanks
    WannabeFree
    That's some very MSE shopping beanie

    Sounds like a nice day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • WannabeFree
    • By WannabeFree 11th Feb 18, 5:11 PM
    • 1,097 Posts
    • 9,013 Thanks
    WannabeFree
    Oh and I don't have a soup maker but I stick blend all our soup. I can't stand soup with 'lumps'

    My stick blender is just a £5 one from Argos Does the job and about 6 7 year old!

    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 11th Feb 18, 5:18 PM
    • 50,578 Posts
    • 193,526 Thanks
    beanielou
    That's some very MSE shopping beanie

    Sounds like a nice day

    x
    Originally posted by WannabeFree
    Thanks
    MSE is my middle name!

    & I have found some wrapping paper
    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 11th Feb 18, 7:01 PM
    • 28,542 Posts
    • 160,987 Thanks
    Karmacat
    It's going well, beanie!

    I'm not a soup fan - sauce over something, yes, but I'm just not attracted to the *idea* of soup that looks so silly now I've written it down!
    Retired August 2016
    • beanielou
    • By beanielou 11th Feb 18, 8:13 PM
    • 50,578 Posts
    • 193,526 Thanks
    beanielou
    Now the telly is on the blink.
    I give up.
    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 11th Feb 18, 9:29 PM
    • 5,218 Posts
    • 33,145 Thanks
    Sun Addict
    Before I got my soup maker I used to cook the ingredients in a pan then zap in a liquidiser. I wouldn't be without my soup maker now though. I find blended soup much more filling than chunky to be honest. I got into living on soup for lunch when I first joined WW 16 years ago and got to goal - it's helped me stay there (sometimes slightly over) ever since. If you can't stretch to a soup maker right now maybe a cheap liquidiser would suffice.
    Virtual Sealed Pot 2018 £153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £150
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