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Baby steps to mortgage freedom for beanielou.
Comments
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Hope all goes to plan Bear
I think it is time for a bit of a reality check for me.
A bit of overspending creeping in.
I buy a lot of my clothes from ebay as I like a certain ethical cotton brand & I can pick up some excellent bargains for not too many pennies.
But~~I really do not need clothes.
One to really think about it.
Also too many coffees & snacks galloping in.
The reality is although I love love love this I really really cannot afford it.
Life is not always as you want it.
Ho hum.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.1 -
Hope all goes to plan Bear
Also too many coffees & snacks galloping in.
The reality is although I love love love this I really really cannot afford it.
Life is not always as you want it.
Ho hum.
Are you my twin sister
... can really emphasise with you As a dear MSE friend says “keep plodding” or
What does the saying say.... When life hands you lemons, make lemonade
Or as my Mum would say, brush yourself down, tomorrow is another day or
Fake it, to you Make It
Please say hello my new diary: https://forums.moneysavingexpert.com/discussion/6578460/still-dancing-to-blow-the-debt-clouds-away0 -
So time to really knuckle down.
I am nearly in my OD & and I have not been there for a very very long time,
Very sobering.
Still looking for some Christmas gifts but I will so not be going overboard.
Very very cold here. Think was -2 when I last looked.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.1 -
Done nothing but rain here but not too cold and thankfully no snow.
Good time to take advantage of 3 for 2, Black Friday type offers for Christmas gifts, no need to spend a lot. Some of my best presents have been less than a fiver but thought has gone into it. Might be worth looking into local Christmas fayres for bargains.
If you love your coffees and snacks out why not just cut them down rather than out altogether - best of both worlds.I get knocked down but I get up again (Chumbawamba, Tubthumping)1 -
I am lucky as I have a small Christmas list of people to buy for.
I have agreed with a couple of my friends no presents so that is good.
Yes, I agree on cutting down the coffee's rather than cutting out completely.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.1 -
Coffees and tasty treats are always so very tempting!
I like your agreement with your friends- we have some close friends that are (like me) finding things tight financially so will have a chat with them about presents, as we don't need presents so maybe a nice home cooked dinner in for Christmas will be better First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!1 -
I am lucky as I have a small Christmas list of people to buy for.
I have agreed with a couple of my friends no presents so that is good.
Yes, I agree on cutting down the coffee's rather than cutting out completely.
Smart thinking 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) 25/0720251 -
Having a Frugal Friday today.
No Black Friday for me.
Nothing I need to buy today apart from some food essentials.
Happy Friday all.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.1 -
Happy Friday beanielou and friends1
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Having a Frugal Friday today.
No Black Friday for me.
Nothing I need to buy today apart from some food essentials.
Happy Friday all.
Good for you, we need to go and take a shirt back to J Lewis before the 90 days expire.
I am going with vouchers including one for tea and cake... and a strict list
But are we mad going today :eek::eek:
hope you are looking forward to putting your feet up this weekendAs a dear MSE friend says “keep plodding” or
What does the saying say.... When life hands you lemons, make lemonade
Or as my Mum would say, brush yourself down, tomorrow is another day or
Fake it, to you Make It
Please say hello my new diary: https://forums.moneysavingexpert.com/discussion/6578460/still-dancing-to-blow-the-debt-clouds-away1
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