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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 68,420Posts
    • 312,566Thanks
    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. MFW. 14 months to mortgage freedom.
    **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***
    Out of debt, out of danger. ***Be the difference.***
Page 523
    • milann
    • By milann 9th Dec 19, 4:29 PM
    • 3,265 Posts
    • 20,614 Thanks
    milann
    You’ve given lots of folk inspiration of things to send to food banks Beanie
    Hope you’ve had a good weekend and are feeling a little more chipper.
    Have you managed to get out on your scooter or has it been too cold?
    • beanielou
    • By beanielou 9th Dec 19, 6:04 PM
    • 68,420 Posts
    • 312,566 Thanks
    beanielou
    Too cold for the scooter Milan.
    I hate the cold.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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***
    Out of debt, out of danger. ***Be the difference.***
    • brizzlegirl
    • By brizzlegirl 9th Dec 19, 11:03 PM
    • 944 Posts
    • 6,342 Thanks
    brizzlegirl
    Sending love and positive thoughts Beanie, and hoping you get a nice Caribbean cruise this year too somewhere nice and hot

    xx
    DFW - pay it ALL off in 2020 MFW..aim for Dec 2023 2020 Savings Rate - Goal 40% 2019 Savings Rate - Goal 40% 25% December 66% November 21% August Jan Goals: AFDs 05/25 Decluttering 06/60 LSDs 01/10 NSDs 01/05 Jan Exercise RT xxk xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • Karmacat
    • By Karmacat 10th Dec 19, 11:13 AM
    • 32,898 Posts
    • 194,570 Thanks
    Karmacat
    That sounds good - and if you're prepared to go at short notice, the discounts can be **tremendous**.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • beanielou
    • By beanielou 10th Dec 19, 11:27 AM
    • 68,420 Posts
    • 312,566 Thanks
    beanielou
    Lovely idea but wouldn’t leave my boys for more than a couple of nights.
    Best boy is 19 1/2 now.
    Couldn’t afford it anyway.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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***
    Out of debt, out of danger. ***Be the difference.***
    • beanielou
    • By beanielou 10th Dec 19, 11:28 AM
    • 68,420 Posts
    • 312,566 Thanks
    beanielou
    Today is hamper day.
    Wish us luck!!!!!
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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***
    Out of debt, out of danger. ***Be the difference.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Dec 19, 4:56 PM
    • 11,310 Posts
    • 89,479 Thanks
    HairyHandofDartmoor
    I hope hamper day went well.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = £2,450/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £250. PREMIUM BONDS DH = £250
    • teafor2
    • By teafor2 10th Dec 19, 5:05 PM
    • 2,506 Posts
    • 19,941 Thanks
    teafor2
    I hope hamper day went well Beanie. Did you have enough things to make up as many as you wanted? Do you give them out now or nearer the time. Sorry for all the questions. Hope you're not too exhausted after all your hard work. xx
    • Karmacat
    • By Karmacat 10th Dec 19, 9:27 PM
    • 32,898 Posts
    • 194,570 Thanks
    Karmacat
    I hope hamper day went well Beanie. Did you have enough things to make up as many as you wanted? Do you give them out now or nearer the time. Sorry for all the questions.
    Originally posted by teafor2
    I want to know the answers to them too

    Hope you're not too exhausted after all your hard work. xx
    Absolutely - giving your time and energy the way you do is phenomenal.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • milann
    • By milann 10th Dec 19, 9:53 PM
    • 3,265 Posts
    • 20,614 Thanks
    milann
    Happy hamper day Beanie - you do an amazing job.
    Hope you’re not too tired after all your hard work.
    • beanielou
    • By beanielou 10th Dec 19, 10:01 PM
    • 68,420 Posts
    • 312,566 Thanks
    beanielou
    I am beyond tired.
    Believe you me I did a lot less than others there.

    Anyway.
    140 finished.
    22 I think still to do but we ran out of stuff.
    also we were very short of gifts for older teenagers
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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***
    Out of debt, out of danger. ***Be the difference.***
    • Butti
    • By Butti 10th Dec 19, 10:27 PM
    • 4,968 Posts
    • 14,680 Thanks
    Butti
    I'll be buying toys this weekend to take into work on Monday. Will have to look at the budget first and not go mad. Need to also buy for three friends, my neice and my dad so that's probably £100 (better do my mileage claim tomorrow!)

    Doing food for the food bank next Friday after I've been paid! The pub are collecting so will put stuff in there rather than at work.

    p.s. I will ask my brother about the above and buy accordingly - thank you!
    Debt LBM (08/09) £11,641. (08/12) £22,734. (9/19 )£3221
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 40.1% 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 MOB
    • teafor2
    • By teafor2 11th Dec 19, 12:00 PM
    • 2,506 Posts
    • 19,941 Thanks
    teafor2
    [QUOTE=beanielou;76595115]I am beyond tired.
    Believe you me I did a lot less than others there.

    Anyway.
    140 finished.
    22 I think still to do but we ran out of stuff.
    also we were very short of gifts for older teenagers [/QUOTE

    Wow that's a lot of boxes made up - well done to everybody who helped out On the other side of the coin it's a crying shame 162 families need them.

    I've donated toys to a well known charity in town in the past but their cut off point was 13 years old. The fact you gift things to older teenagers is wonderful. 13 is still very young to wake up to not very much on Christmas Day I think you're all marvellous. xx
    • beanielou
    • By beanielou 11th Dec 19, 4:33 PM
    • 68,420 Posts
    • 312,566 Thanks
    beanielou
    Thanks tea. Xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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***
    Out of debt, out of danger. ***Be the difference.***
    • Butti
    • By Butti 11th Dec 19, 9:37 PM
    • 4,968 Posts
    • 14,680 Thanks
    Butti
    Playing cards and some music memory game called Memory Maze is what I am getting. My brother said playing cards is always good (and small and cheap)
    Debt LBM (08/09) £11,641. (08/12) £22,734. (9/19 )£3221
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 40.1% 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 MOB
    • teafor2
    • By teafor2 11th Dec 19, 9:44 PM
    • 2,506 Posts
    • 19,941 Thanks
    teafor2
    Beanie, just out of interest what sort of gifts are donated for your older teenagers. xx
    • beanielou
    • By beanielou 11th Dec 19, 10:02 PM
    • 68,420 Posts
    • 312,566 Thanks
    beanielou
    Beanie, just out of interest what sort of gifts are donated for your older teenagers. xx
    Originally posted by teafor2
    For older girls smellies, make up,make up bags, socks, scarfs, gloves ect.
    Boys much more difficult & we had very little donated. Mini speakers were one really good one & Harry Potter mugs with socks in were great too. Lynx gift sets & that was it. xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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***
    Out of debt, out of danger. ***Be the difference.***
    • teafor2
    • By teafor2 11th Dec 19, 10:17 PM
    • 2,506 Posts
    • 19,941 Thanks
    teafor2
    Teenagers are hard to buy for even if you know them but those are nice gifts and it's really thoughtful of people to include them Not sure there's a charity near us that collects for that age group. I'm too late this year and I've also done other things but as a Mum to 2 teens I'd love to send some things to you next year if that's OK? x
    • beanielou
    • By beanielou 11th Dec 19, 10:24 PM
    • 68,420 Posts
    • 312,566 Thanks
    beanielou
    Teenagers are hard to buy for even if you know them but those are nice gifts and it's really thoughtful of people to include them Not sure there's a charity near us that collects for that age group. I'm too late this year and I've also done other things but as a Mum to 2 teens I'd love to send some things to you next year if that's OK? x
    Originally posted by teafor2
    Of course xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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***
    Out of debt, out of danger. ***Be the difference.***
    • EssexHebridean
    • By EssexHebridean 12th Dec 19, 11:21 AM
    • 9,889 Posts
    • 50,292 Thanks
    EssexHebridean
    That sounds like a brilliant lot of boxes made up Beanie - well done to you all!

    I MUST remember to do the foodbank shop along with our food shopping this week!
    MORTGAGE FREE 30/09/2016
    SOA CALCULATOR (for DFW newbies): SOA Calculator
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