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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 46,556Posts
    • 165,488Thanks
    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 78
    • Karmacat
    • By Karmacat 18th Oct 16, 9:33 AM
    • 27,467 Posts
    • 149,156 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
    • beanielou
    • By beanielou 18th Oct 16, 5:12 PM
    • 46,556 Posts
    • 165,488 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 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 18th Oct 16, 5:49 PM
    • 46,556 Posts
    • 165,488 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 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 18th Oct 16, 6:53 PM
    • 27,467 Posts
    • 149,156 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
    • in need of direction
    • By in need of direction 18th Oct 16, 8:42 PM
    • 4,426 Posts
    • 24,751 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 £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 18th Oct 16, 9:55 PM
    • 46,556 Posts
    • 165,488 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 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 19th Oct 16, 8:17 PM
    • 4,035 Posts
    • 21,071 Thanks
    Sun Addict
    Glad you got so much done, all coming together nicely xx
    Virtual Sealed Pot £424.05
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Bubblesmum
    • By Bubblesmum 20th Oct 16, 1:09 PM
    • 1,048 Posts
    • 6,016 Thanks
    Bubblesmum
    Firmly in the 19's now .
    Originally posted by beanielou
    Belated .... but it still must feel soooo good
    Hooray
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • Bubblesmum
    • By Bubblesmum 20th Oct 16, 1:14 PM
    • 1,048 Posts
    • 6,016 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 £1857 @ 13/06/2017, £1790 16/06/2017
    • Bubblesmum
    • By Bubblesmum 20th Oct 16, 1:22 PM
    • 1,048 Posts
    • 6,016 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 £1857 @ 13/06/2017, £1790 16/06/2017
    • Upsidedown Bear
    • By Upsidedown Bear 22nd Oct 16, 9:38 AM
    • 17,741 Posts
    • 77,423 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".
    Das ist der beste tag meines lebens
    Cheap Coffee Lover

    • beanielou
    • By beanielou 22nd Oct 16, 7:57 PM
    • 46,556 Posts
    • 165,488 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 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 23rd Oct 16, 5:31 PM
    • 46,556 Posts
    • 165,488 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 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 23rd Oct 16, 6:47 PM
    • 4,426 Posts
    • 24,751 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 £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Butti
    • By Butti 23rd Oct 16, 7:20 PM
    • 4,475 Posts
    • 11,677 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 (2/15N )£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 NSD June 2/7
    • beanielou
    • By beanielou 23rd Oct 16, 7:22 PM
    • 46,556 Posts
    • 165,488 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 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***
    • brizzledfw
    • By brizzledfw 23rd Oct 16, 7:51 PM
    • 6,933 Posts
    • 33,291 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
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • beanielou
    • By beanielou 23rd Oct 16, 8:44 PM
    • 46,556 Posts
    • 165,488 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 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***
    • Knit Witch
    • By Knit Witch 23rd Oct 16, 9:01 PM
    • 2,950 Posts
    • 27,525 Thanks
    Knit Witch
    Cold here too. Going to investigate a chimney balloon tomorrow.
    Originally posted by Butti
    We stick a sheep up the Chimney
    OS Weight Loss 4.5/10
    • Bubblesmum
    • By Bubblesmum 24th Oct 16, 12:58 PM
    • 1,048 Posts
    • 6,016 Thanks
    Bubblesmum
    Waving - hope you had a relaxing weekend
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
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