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
    • 44,893Posts
    • 155,592Thanks
    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
    • 26,544 Posts
    • 140,143 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.
    Currently: 86.53/25,000
    Save
    • beanielou
    • By beanielou 18th Oct 16, 5:12 PM
    • 44,893 Posts
    • 155,592 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
    • 44,893 Posts
    • 155,592 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
    • 26,544 Posts
    • 140,143 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.
    Currently: 86.53/25,000
    Save
    • in need of direction
    • By in need of direction 18th Oct 16, 8:42 PM
    • 4,064 Posts
    • 22,750 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 £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 18th Oct 16, 9:55 PM
    • 44,893 Posts
    • 155,592 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
    • 3,289 Posts
    • 16,542 Thanks
    Sun Addict
    Glad you got so much done, all coming together nicely xx
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • Bubblesmum
    • By Bubblesmum 20th Oct 16, 1:09 PM
    • 746 Posts
    • 4,614 Thanks
    Bubblesmum
    Firmly in the 19's now .
    Originally posted by beanielou
    Belated .... but it still must feel soooo good
    Hooray
    Mrs B Debt £1625 @ 5/12
    • Bubblesmum
    • By Bubblesmum 20th Oct 16, 1:14 PM
    • 746 Posts
    • 4,614 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 £1625 @ 5/12
    • Bubblesmum
    • By Bubblesmum 20th Oct 16, 1:22 PM
    • 746 Posts
    • 4,614 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 £1625 @ 5/12
    • Upsidedown Bear
    • By Upsidedown Bear 22nd Oct 16, 9:38 AM
    • 16,593 Posts
    • 73,073 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 & Sauce Lover

    • beanielou
    • By beanielou 22nd Oct 16, 7:57 PM
    • 44,893 Posts
    • 155,592 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
    • 44,893 Posts
    • 155,592 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
    • 4,064 Posts
    • 22,750 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 £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.
    • Butti
    • By Butti 23rd Oct 16, 7:20 PM
    • 4,425 Posts
    • 11,484 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
    • 44,893 Posts
    • 155,592 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
    • 6,301 Posts
    • 30,011 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
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • beanielou
    • By beanielou 23rd Oct 16, 8:44 PM
    • 44,893 Posts
    • 155,592 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
    • 3,304 Posts
    • 23,505 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 (2 skein down!)
    OS Weight Loss +1/7
    • Bubblesmum
    • By Bubblesmum 24th Oct 16, 12:58 PM
    • 746 Posts
    • 4,614 Thanks
    Bubblesmum
    Waving - hope you had a relaxing weekend
    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

1,364Posts Today

6,013Users online

Martin's Twitter
  • Going to a very exciting premier right now... with Mrs and mini MSE, to the screening of "we're going on a bear hunt"

  • No. Not a huge fan. Never claimed to be.Just a fan. And one who choose to prioritise family time with his little gi? https://t.co/lZ9uUylk2U

  • I've just checked the score. You're right. What happened? https://t.co/5E7y52r47o

  • Follow Martin