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Baby steps to mortgage freedom for beanielou.

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Comments

  • beanielou
    beanielou Posts: 96,782 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Beanie , hope you got the bank fraud thing sorted out. Cat litter trays are not my favourite thing but if you need them then you need them.

    How are you feeling today, it's been quite mild here , and a nice day for a walk.

    Seems like it was a mistake?:mad::mad:

    Have not been over the door.
    Was reading my book & then fell asleep.

    Lots of fireworks tonight.
    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.
  • beanielou
    beanielou Posts: 96,782 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    In other news yet again British Gas have taken the wrong DD amount.
    It is way lower than it should be & it will leave me owing them money which is not great.
    Why does it always feel that it happens to me :mad:
    Something else I dont feel I have the emotional energy to cope with.
    What a wimp.
    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
    Beanie, you sound stressed by **everything** right now, and I'm sure you don't have the emotional energy to cope with this stuff because the facts of day to day living take almost everything you've got :(



    Is there anything that would feel nice to do? Not a "should", like my should is the council walk, but something you really like?
    2023: the year I get to buy a car
  • You are in no way a wimp! Infact, you are one of the strongest people I know!

    Sorry everything seems tough right now. I hope you can find it in you to give British Gas both barrels and demand some compensation Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Things like that can really push you over the edge and it takes a bit of energy to sort them out.

    Can you find a way to pamper yourself as Karma suggests?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • Just to add to the chorus! Is there something that adds to your emotional energy bank? A bath, chat with a friend, luxury hot choc, glass of vino, time with a book?
    Choose kind:)
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    edited 5 November 2018 at 5:28PM
    beanielou wrote: »
    In other news yet again British Gas have taken the wrong DD amount.
    It is way lower than it should be & it will leave me owing them money which is not great.
    Why does it always feel that it happens to me :mad:
    Something else I dont feel I have the emotional energy to cope with.
    What a wimp.

    You ARE NOT a wimp. You're biggest failing is sometimes talking complete tosh like 'what a wimp!'


    My name is Beanie and I am a very strong person

    (Repeat A LOT....and then a bit more)
    (.....and then again a few more times!)

    I'm switching utility companies and this month they've both taken DDs. The whole lot are pretty inept in my view Beanie.
    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
  • WeeMidgie
    WeeMidgie Posts: 469 Forumite
    beanielou wrote: »
    I have to say I hate hate hate hate having the litter tray.

    Beanie, the best cat litter I've found is from B&M, it's crystals which lock in the odour. I have 2 litter scoops, one with slots which allows the crystals through which is for sifting out 'solids', and a scoop with no slots in it for removing 'yellowed' crystals. I thought it might be expensive to use but there's less waste, I find.

    I used to loathe the pong which happened with every other type of litter I tried. I do litter duty when the daily bath is running (I live in a flat and the only space for the litter tray is between the loo and the bath). All my visitors assure me there's no whiff.
  • milann
    milann Posts: 11,524 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    You are a strong and resourceful lady.....don’t let anything let you forget that - even if you don’t feel it :beer:
    January spends - £587.58
  • beanielou
    beanielou Posts: 96,782 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Karmacat wrote: »
    Beanie, you sound stressed by **everything** right now, and I'm sure you don't have the emotional energy to cope with this stuff because the facts of day to day living take almost everything you've got :(

    This is true I think.


    Is there anything that would feel nice to do? Not a "should", like my should is the council walk, but something you really like?

    Go out for a nice meal & relax!!
    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.
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