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Baby steps to mortgage freedom for beanielou.

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  • beanielou
    beanielou Posts: 96,094 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thank you earthgirl.
    I am actually volunteer with our local food bank!!
    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.
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    ZTD wrote: »
    Of course there can be a graduation present. He will have a graduation, and you will be present..

    LOL......that is all!
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    48% off mortgage

    '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 :cool: MOB
  • Sun_Addict
    Sun_Addict Posts: 24,235 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope you haven't been putting all your pennies towards overpaying the mortgage. On a positive note February is a short month.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hope rest of February is less gruelling than you fear beanie...its a hard month I always think, cold, dark, pretty joyless really. But I did notice its now getting lighter in the mornings which is a good thing. Same for you in bonnie Scotland? or are you still in the Arctic period ;)

    Keep plodding...and do eat well, if frugally xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • beanielou hi-there-smiley.gif?1292867616


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  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    brizzledfw wrote: »
    But I did notice its now getting lighter in the mornings which is a good thing. Same for you in bonnie Scotland? or are you still in the Arctic period ;)

    Keep plodding...and do eat well, if frugally xx

    I was noticing it was much brighter in the evenings. Thinking there was actually a possibility of getting a bit of light after work. :D
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    48% off mortgage

    '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 :cool: MOB
  • beanielou
    beanielou Posts: 96,094 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I have been on MSE 11 years.
    Where does the time go!!
    How lucky I have been to make such lovely friends & receive such massive support.
    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.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    It's a long time, isn't it :D

    Good to see you posting :)
    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 96,094 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I have been told I have post viral fatigue.
    Good in a way as at least I know what is likely wrong.
    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.
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    A diagnosis is better than no diagnosis.

    Make sure you get some rest xx
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    48% off mortgage

    '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 :cool: MOB
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