We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Baby steps to mortgage freedom for beanielou.
Comments
-
Thanks for popping in.yuanzhi said:Hi Beanie
I have been a long time lurker in these forums, I have been planning on sending you a message for a while I think you are an inspiration with what you have to cope with and how you manage. I think I am from same regional area as you but not same town as I am more coastal.
I see you mention arnica a lot and was wondering do you buy the cream in tubes? They can be very expensive . I use it a lot too but get it in gel form in large tub/containers
I don't have my own diary but reading the debt free diaries on here set me on the path to being debt free. I went down the trust deed route which took 3 years to clear my debt then a further 3 years to clear it from my credit history. I am now trying to build up a healthy emergency fund. I have some but not as much as I would like. Along the way there have have been some bumps in the road, the biggest being losing my mum suddenly on Hogmanay 2018. I am still working my way through that cloud, a lot of the time I feeling I am just coasting and have not got any get up and go to do anything but the essentials a lot of the time. I do still have my dad and he is a lot more reliant on me now which can be a big weight on my shoulders as my older brother lives a long way away
Sorry about your mum.
I use either arnica cream, or Nelsonsor Boots homopathic .
Also calendula cream.
PM if you want to tell me where you are from.
Keep popping in
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
I got my hair cut today. HUrrah.
I have been doing some weeding yesterday & & today.
Not good at using the tool I bought with my easter money.
It is really a bit tall & I am terrified I jerk or fall & poke my eye out.
Anyway, watching football with a large rose petal gin.
It is quite(!!) strong compared to the Edinburgh.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6 -
I warned you it was strong. Don’t blame me if you have a sore head tomorrow 😆I get knocked down but I get up again (Chumbawamba, Tubthumping)6
-
Certainly stronger than Edinbugh. About double I think!Sun_Addict said:I warned you it was strong. Don’t blame me if you have a sore head tomorrow 😆I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
ed, delighted with a draw
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
Happy new haircut Beanie. Hope you’re having a lovely weekend with your new found gin 🥂January spends - £587.585
-
Happy new haircut
Your new gin sounds a treat If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Thanksdoingitanyway said:Happy new haircut
Your new gin sounds a treat I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
The weather here is not summery at all.
I have not managed any weeding which is just as well as I have pulled a muscle in my leg.
When I weed I sit on the ground & then struggle to get up.
The long handled tool I bought does not work for me.
I need to pay someone to deal with all the weeeds on the other side of the fence in the land that no one maintains.
In other MSE news I seem to have been overspending a tad & I need to reign it right in.
Although I am now MF I stll have a very small income & need to remind myself of that.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
You’ll settle back with the spends Beanie….it’s just because you know your mortgage free and we can get out and about again after lockdown. You’ll get back into it 👍January spends - £587.585
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.4K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.8K Spending & Discounts
- 244.4K Work, Benefits & Business
- 599.6K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards