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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 50,646Posts
    • 193,904Thanks
    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 182
    • EssexHebridean
    • By EssexHebridean 12th Feb 18, 1:30 PM
    • 8,479 Posts
    • 45,259 Thanks
    EssexHebridean
    I'm the awkward so-and-so who goes for the halfway option on soup through choice - so bIend it a bit but also leave some lumps. I love a nice pan of soup for lunches on days I'm at home in the winter - so easy and so much flavour! Need to make some more at some stage - the last of the carrot and red lentil got eaten on Friday.

    Annoying about the TV. Did you turn it off and turn it back on again or give it a good bash as a first effort in sorting it out?
    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
    • milann
    • By milann 12th Feb 18, 4:36 PM
    • 1,512 Posts
    • 6,794 Thanks
    milann
    Yay to MSE shopping Beanie and to coffee with ds.

    Hope the frog eating pays dividends for you - fingers and toes crossed here for you
    • beanielou
    • By beanielou 12th Feb 18, 5:42 PM
    • 50,646 Posts
    • 193,904 Thanks
    beanielou
    Yay to MSE shopping Beanie and to coffee with ds.

    Hope the frog eating pays dividends for you - fingers and toes crossed here for you
    Originally posted by milann
    Thank you

    EH~ The TV is a pain.
    Every now & then I get a white fuzzy bit over the screen & it doesent show the subtittles which is a pain as I need them as I cannot always hear.
    Hey ho.

    My printer is playing up again.
    Isent technology great
    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 Feb 18, 5:45 PM
    • 50,646 Posts
    • 193,904 Thanks
    beanielou
    I am on duty at the foodbank tomorrow & snow is forecast.
    I have dug out my thermals & am hoping for the best as it can be really cold.Well to be honest is always really cold.Bah.
    I have the key.

    I MUST remember to pick up a wee birthday cake for my mum. I must.
    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 12th Feb 18, 8:08 PM
    • 1,113 Posts
    • 9,119 Thanks
    WannabeFree
    Hope the snow doesn't arrive Beanie

    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 12th Feb 18, 9:30 PM
    • 50,646 Posts
    • 193,904 Thanks
    beanielou
    Hope the snow doesn't arrive Beanie

    x
    Originally posted by WannabeFree
    Fingers crossed
    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 13th Feb 18, 8:00 PM
    • 50,646 Posts
    • 193,904 Thanks
    beanielou
    Food bank was ok.
    Biggest problem was the calor gas heater stopped working.
    I did fall though & had to come home & have a wee lie down as I was just cream crackered.

    I did remember to get the cake which was good as it is 20% off on a TUesday.
    There was no snow today & hoping for the same tomorrow as going to my mums. I will get there!!
    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 13th Feb 18, 8:21 PM
    • 4,359 Posts
    • 14,376 Thanks
    abba1772
    Glad you remembered the cake xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2600.20
    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 £2218.92
    • beanielou
    • By beanielou 13th Feb 18, 8:26 PM
    • 50,646 Posts
    • 193,904 Thanks
    beanielou
    Glad you remembered the cake xx
    Originally posted by abba1772
    Thanks Abba
    DS did message me to remind me but I had remembered
    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***
    • mummytogirls
    • By mummytogirls 13th Feb 18, 8:35 PM
    • 5,942 Posts
    • 21,274 Thanks
    mummytogirls
    Evening Beanie,

    Finally found you .

    Did you have any snow today? Hope you're ok after your fall xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • redofromstart
    • By redofromstart 13th Feb 18, 8:44 PM
    • 1,129 Posts
    • 6,867 Thanks
    redofromstart
    Hurrah for cake, but boo for the fall.
    • beanielou
    • By beanielou 13th Feb 18, 8:46 PM
    • 50,646 Posts
    • 193,904 Thanks
    beanielou
    mummytogirls.
    I am ok thanks.
    Was a bit but luckily no clients in at the 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***
    • beanielou
    • By beanielou 13th Feb 18, 8:48 PM
    • 50,646 Posts
    • 193,904 Thanks
    beanielou
    Oh & no snow.
    Hoping for the same tomorrow.
    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 13th Feb 18, 10:07 PM
    • 23,570 Posts
    • 41,879 Thanks
    ZTD
    Oh & no snow.
    Hoping for the same tomorrow.
    Originally posted by beanielou
    Hope you're feeling better.

    There's been snow here, yesterday and today, so check the prevailing winds to make sure it's not headed up to you.
    "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 13th Feb 18, 10:09 PM
    • 50,646 Posts
    • 193,904 Thanks
    beanielou
    Hope you're feeling better.

    There's been snow here, yesterday and today, so check the prevailing winds to make sure it's not headed up to you.
    Originally posted by ZTD
    Just you keep it down your way Z.
    I HAVE to get to my mums tomorrow & dont like the A1 in the snow
    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 14th Feb 18, 8:25 AM
    • 2,535 Posts
    • 12,092 Thanks
    doingitanyway
    Hoping you have woken on a snow free day?
    JANUARY 2016/SECURED DEBT=24,822/February 2018=795
    MORTGAGE FREE 25/07/16
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 14th Feb 18, 8:38 AM
    • 8,612 Posts
    • 49,476 Thanks
    please-let-me-be-lucky
    Late to the party as usual .

    Hope you are ok after your fall, and Happy Birthday to your Mum. Have a big slice of cake with her, for medicinal purposes Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 13/60
    Lbs lost 16/107.
    Savings for Florida £161.90/£1000
    • beanielou
    • By beanielou 14th Feb 18, 8:40 AM
    • 50,646 Posts
    • 193,904 Thanks
    beanielou
    Hoping you have woken on a snow free day?
    Originally posted by doingitanyway
    Yes
    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 Feb 18, 8:43 AM
    • 50,646 Posts
    • 193,904 Thanks
    beanielou
    Late to the party as usual .

    Hope you are ok after your fall, and Happy Birthday to your Mum. Have a big slice of cake with her, for medicinal purposes Xx
    Originally posted by please-let-me-be-lucky

    Am ok, thanks.
    The cake is tiny so will split into 4 nicely
    Getting organised slowly!

    Had to change my password yet again. Only 5 days this time

    Will be eating and a drinking later.

    Have a good day 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***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 14th Feb 18, 8:45 AM
    • 8,612 Posts
    • 49,476 Thanks
    please-let-me-be-lucky
    I had to change mine again today too.

    Enjoy the eating and drinking Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 13/60
    Lbs lost 16/107.
    Savings for Florida £161.90/£1000
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