Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 44,877Posts
    • 155,553Thanks
    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 11 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 77
    • gallygirl
    • By gallygirl 6th Oct 16, 9:36 AM
    • 16,053 Posts
    • 105,256 Thanks
    gallygirl
    Things are coming together nicely .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • doingitanyway
    • By doingitanyway 6th Oct 16, 8:00 PM
    • 1,041 Posts
    • 4,233 Thanks
    doingitanyway
    Well done on the home renovations front
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 6th Oct 16, 8:28 PM
    • 44,877 Posts
    • 155,553 Thanks
    beanielou
    Have to say I am pleased with the house at the moment.
    Only thing still to be done at the moment in the house is the doors need to be varnished.
    Then the fences of doom.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 9th Oct 16, 4:32 PM
    • 3,283 Posts
    • 16,503 Thanks
    Sun Addict
    Well done on getting the award - you really deserve it

    You're doing really well on the house and mortgage front too. I need to get a move on with my house renovation, I keep putting it off - it's hard when you have to do everything on your own.

    So pleased to hear you sounding so upbeat xx
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • Karmacat
    • By Karmacat 10th Oct 16, 9:07 AM
    • 26,544 Posts
    • 140,142 Thanks
    Karmacat
    Thats good news on the house front, if varnishing the doors is the main thing needing doing - sounds like its a good place to be at the moment.

    As to fences of doom - my man with a van is on my list to call today, yikes ...
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • beanielou
    • By beanielou 10th Oct 16, 9:00 PM
    • 44,877 Posts
    • 155,553 Thanks
    beanielou
    SA~~i a;so struggle with the doing everything on my own malarky.
    Worry about the wee wifie on her own getting ripped off.

    So bleeping tired I cannot tell you.
    Not feeling at my best.
    I will keep plodding
    Much colder here now.
    I hate hate hate being cold.
    Unfortunatly I feel the cold soooo much.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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***
    • Upsidedown Bear
    • By Upsidedown Bear 10th Oct 16, 9:45 PM
    • 16,585 Posts
    • 73,066 Thanks
    Upsidedown Bear


    Something to warm you up




    The Devil whispered in my ear "You are not strong enough to withstand the storm".
    Today I whispered in the Devil's ear "I am the storm".

    In Solidarity: Andy Woodward - Jeremy Corbyn
    Cheap Coffee & Sauce Lover

    • Upsidedown Bear
    • By Upsidedown Bear 11th Oct 16, 10:59 AM
    • 16,585 Posts
    • 73,066 Thanks
    Upsidedown Bear




    Have a lovely day beanielou and friends xx
    The Devil whispered in my ear "You are not strong enough to withstand the storm".
    Today I whispered in the Devil's ear "I am the storm".

    In Solidarity: Andy Woodward - Jeremy Corbyn
    Cheap Coffee & Sauce Lover

    • beanielou
    • By beanielou 11th Oct 16, 2:29 PM
    • 44,877 Posts
    • 155,553 Thanks
    beanielou
    Thank you Upside Down Bear.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 Oct 16, 9:19 PM
    • 44,877 Posts
    • 155,553 Thanks
    beanielou
    Some help please lovely peeps.
    Has anyone seen the wheat things that you can use as instead of a hot water bottle that you hear in the microwave?
    TIA as just not up to traipsing round shops at the mo.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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***
    • Upsidedown Bear
    • By Upsidedown Bear 11th Oct 16, 9:32 PM
    • 16,585 Posts
    • 73,066 Thanks
    Upsidedown Bear
    Some help please lovely peeps.
    Has anyone seen the wheat things that you can use as instead of a hot water bottle that you hear in the microwave?
    TIA as just not up to traipsing round shops at the mo.
    Originally posted by beanielou
    Hello lovely lady

    Not sure which shops you have where you live but these are the cheapest on Fleabay at the moment:
    £4.75/99 free postage

    I'll have a look round the interwebs to see if I can find cheaper. Might be difficult because of postage

    ETA
    If you want 4 I found these for £13.89
    Last edited by Upsidedown Bear; 11-10-2016 at 9:40 PM.
    The Devil whispered in my ear "You are not strong enough to withstand the storm".
    Today I whispered in the Devil's ear "I am the storm".

    In Solidarity: Andy Woodward - Jeremy Corbyn
    Cheap Coffee & Sauce Lover

    • Knit Witch
    • By Knit Witch 11th Oct 16, 9:34 PM
    • 3,304 Posts
    • 23,505 Thanks
    Knit Witch
    This type of thing http://www.hollandandbarrett.com/shop/product/the-natural-wheat-bag-co-microwaveable-body-pillow-lavender-60089874

    http://www.lavender-wheat-bags.co.uk/range.html
    "Shop" From Stash (2 skein down!)
    OS Weight Loss +1/7
    • beanielou
    • By beanielou 11th Oct 16, 10:06 PM
    • 44,877 Posts
    • 155,553 Thanks
    beanielou
    Thanks so much lovely peeps
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 Oct 16, 10:10 PM
    • 26,544 Posts
    • 140,142 Thanks
    Karmacat
    They're very good, aren't they - easy to control and place them precisely where needed.
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • beanielou
    • By beanielou 11th Oct 16, 10:39 PM
    • 44,877 Posts
    • 155,553 Thanks
    beanielou
    They're very good, aren't they - easy to control and place them precisely where needed.
    Originally posted by Karmacat
    On my feet~~ which are currently like blocks of ice.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 12th Oct 16, 9:36 AM
    • 22,979 Posts
    • 39,094 Thanks
    ZTD
    On my feet~~ which are currently like blocks of ice.
    Originally posted by beanielou
    Your feet should be OK with one of those, I got one for my neck/shoulders and it was very heavy.

    Have you not seen one of these?

    "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'
    • in need of direction
    • By in need of direction 12th Oct 16, 5:55 PM
    • 4,064 Posts
    • 22,747 Thanks
    in need of direction
    Billy Connolly anyone?
    Mortgage at 01.01.14 £119,481.83 today £86,391.14 yr1 target met 11.57% cleared
    Current target pay £26,805.30 by 31.12.2016. more than £14660.82 54.69% paid to date

    Emergency fund £3.8k & £200 cash. Mortgage offset fund £6237.54.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 12th Oct 16, 9:10 PM
    • 44,877 Posts
    • 155,553 Thanks
    beanielou
    Your feet should be OK with one of those, I got one for my neck/shoulders and it was very heavy.

    Have you not seen one of these?

    Originally posted by ZTD
    Buy it for my Christmas
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 17th Oct 16, 8:52 PM
    • 44,877 Posts
    • 155,553 Thanks
    beanielou
    Doors getting varnished tomorrow.
    Then that will be another job off the list
    Hoping the handyman will also a couple of teeny weeny jobs while he is here.

    Hope all well with everyone
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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***
    • Bubblesmum
    • By Bubblesmum 18th Oct 16, 9:02 AM
    • 746 Posts
    • 4,610 Thanks
    Bubblesmum
    I'll bear that in mind about seagulls, Z!


    Beanie, do you have a face to face support group, even an online forum, where you can go vent to other sufferers, not like here where with the best will in the world, we haven't shared your experiences? Tiredness and agitation together are absolutely horrible, there's no two ways about it, something like pilates might help, as a calming thing, I don't know.

    Wish I could help
    Originally posted by Karmacat
    Hello ..... sending hugs .... we hit a low point together and I went offline.

    Just to say ... I share the same condition and I would guess there are lurkers on your diary who also do.

    I must admit I hate going to self help groups for chronic illness/disability as my experience instead of them buoying you up ....it's a competition as to who is worse and self pity seems to flourish.

    I love it here as you get the virtual hug - but also the support to look outwards gain strength and move on positively...

    Beanielou I admire your determination greatly ...
    Mrs B Debt £1625 @ 5/12
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,261Posts Today

6,045Users online

Martin's Twitter