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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 45,468Posts
    • 158,912Thanks
    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 78
    • Karmacat
    • By Karmacat 18th Oct 16, 9:33 AM
    • 26,788 Posts
    • 142,639 Thanks
    Karmacat
    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...
    Originally posted by Bubblesmum
    Those are really good points - I investigated an arthritis group when I moved to this town, but it really wasn't right for me. Online, specifically here, there's much more positive support - except about chocolate, for some reason people are very forgiving about eating chocolate, when I want them to say "no, stop!" I'm over it now, and I've managed to buy some pretty good quality stuff from Lidl very cheap, but I still have to be careful

    Hope you're okay, Beanie, and you've got the windows open once the doors are varnished, get rid of the smell asap.

    xxx
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • beanielou
    • By beanielou 18th Oct 16, 5:12 PM
    • 45,468 Posts
    • 158,912 Thanks
    beanielou
    What a lovely post Bubblesmum.
    Sorry to hear that you had a bad patch too
    Take care of you. Xx
    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 18th Oct 16, 5:49 PM
    • 45,468 Posts
    • 158,912 Thanks
    beanielou
    Karmcat~~the varnish did not have a smell.
    Looked like milk in the tin!!
    So doors & inner surround of front door done.
    A wee electrical repair, a hook up & the wardrobe mended.(Was DS's & is quite old but quite good quality).
    So chuffed with it all I cant tell you

    So the Fence(s) Of Doom at the end of the month & that is it.
    I will be eating bread & water for the rest of the year.
    I kid you not.
    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 18th Oct 16, 6:53 PM
    • 26,788 Posts
    • 142,639 Thanks
    Karmacat
    That sounds great, Beanie! Erm, apart from the bread and water try and have nicer food than that, hey?


    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • in need of direction
    • By in need of direction 18th Oct 16, 8:42 PM
    • 4,124 Posts
    • 23,057 Thanks
    in need of direction
    Think of the weight you'll lose . It sounds like things are coming together well. I'm so impressed. Well done.
    Mortgage at 01.01.14 £119,481.83 today £85,739.60 Current target pay £26,805.30 by 31.12.2016. payments made 21274.14 plus 6737.54 in interest earning account
    total £28,011.68
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 18th Oct 16, 9:55 PM
    • 45,468 Posts
    • 158,912 Thanks
    beanielou
    Think of the weight you'll lose . It sounds like things are coming together well. I'm so impressed. Well done.
    Originally posted by in need of direction
    Thank you Karmcat

    I am impressed too in need of direction
    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 19th Oct 16, 8:17 PM
    • 3,548 Posts
    • 18,143 Thanks
    Sun Addict
    Glad you got so much done, all coming together nicely xx
    Debt free date 31/01/15
    Virtual Sealed Pot £118.96
    Weight loss
    FEB AFD 3/12 NSD 6/8
    Mr SA finally in remission December 2013
    • Bubblesmum
    • By Bubblesmum 20th Oct 16, 1:09 PM
    • 829 Posts
    • 5,052 Thanks
    Bubblesmum
    Firmly in the 19's now .
    Originally posted by beanielou
    Belated .... but it still must feel soooo good
    Hooray
    Mrs B Debt £1876 @ 5/01/2017
    • Bubblesmum
    • By Bubblesmum 20th Oct 16, 1:14 PM
    • 829 Posts
    • 5,052 Thanks
    Bubblesmum
    Well done


    Originally posted by Upsidedown Bear

    well done .... and I love this sentiment - as you really do.... rock that is!
    Mrs B Debt £1876 @ 5/01/2017
    • Bubblesmum
    • By Bubblesmum 20th Oct 16, 1:22 PM
    • 829 Posts
    • 5,052 Thanks
    Bubblesmum


    What a lovely post Bubblesmum.
    Sorry to hear that you had a bad patch too
    Take care of you. Xx
    Originally posted by beanielou
    Mrs B Debt £1876 @ 5/01/2017
    • Upsidedown Bear
    • By Upsidedown Bear 22nd Oct 16, 9:38 AM
    • 17,178 Posts
    • 75,173 Thanks
    Upsidedown Bear
    beanielou and friends


    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 Lover

    • beanielou
    • By beanielou 22nd Oct 16, 7:57 PM
    • 45,468 Posts
    • 158,912 Thanks
    beanielou
    Thank you bear
    Right back to you & all my MSE friends )
    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 23rd Oct 16, 5:31 PM
    • 45,468 Posts
    • 158,912 Thanks
    beanielou
    Nice day in parts here but heavy showers & getting much colder.
    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***
    • in need of direction
    • By in need of direction 23rd Oct 16, 6:47 PM
    • 4,124 Posts
    • 23,057 Thanks
    in need of direction
    good job you got that inner door surround sorted. how goes the bread and water?
    Mortgage at 01.01.14 £119,481.83 today £85,739.60 Current target pay £26,805.30 by 31.12.2016. payments made 21274.14 plus 6737.54 in interest earning account
    total £28,011.68
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Butti
    • By Butti 23rd Oct 16, 7:20 PM
    • 4,447 Posts
    • 11,550 Thanks
    Butti
    Cold here too. Going to investigate a chimney balloon tomorrow.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (10/14) £9127 (12/14) £8530 (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S MOB
    • beanielou
    • By beanielou 23rd Oct 16, 7:22 PM
    • 45,468 Posts
    • 158,912 Thanks
    beanielou
    Bread & water not started yet
    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***
    • brizzledfw
    • By brizzledfw 23rd Oct 16, 7:51 PM
    • 6,524 Posts
    • 31,152 Thanks
    brizzledfw
    And belated belated congratulations from me.. So pleased at the progress beanie.. you're a marvel! Such an inspiration

    Have a great week
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Feb '17 Savings Rate Goal: 30%
    Declutter 50 items before 28.02.17 30/50 ** LSDs Target 10 for February 02/10 **AFDs 09/20 ** Sales Target £10/£100
    **NSDs Target 12 for February 02/12
    • beanielou
    • By beanielou 23rd Oct 16, 8:44 PM
    • 45,468 Posts
    • 158,912 Thanks
    beanielou
    And belated belated congratulations from me.. So pleased at the progress beanie.. you're a marvel! Such an inspiration

    Have a great week
    Originally posted by brizzledfw
    Thank you

    Just waiting for a date for the fence 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***
    • Knit Witch
    • By Knit Witch 23rd Oct 16, 9:01 PM
    • 3,538 Posts
    • 25,529 Thanks
    Knit Witch
    Cold here too. Going to investigate a chimney balloon tomorrow.
    Originally posted by Butti
    We stick a sheep up the Chimney
    "Shop" From Stash (4 skeins down!)
    OS Weight Loss 3.5/7
    • Bubblesmum
    • By Bubblesmum 24th Oct 16, 12:58 PM
    • 829 Posts
    • 5,052 Thanks
    Bubblesmum
    Waving - hope you had a relaxing weekend
    Mrs B Debt £1876 @ 5/01/2017
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