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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 55,473Posts
    • 222,648Thanks
    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.
    **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.
Page 259
    • beanielou
    • By beanielou 15th Jul 18, 9:55 PM
    • 55,473 Posts
    • 222,648 Thanks
    beanielou
    It!!!8217;s been over 30 degrees here today - unheard of for Newcastle!! It!!!8217;s due to rain tomorrow though - first time in 4 weeks and all because it!!!8217;s Sports Day Xx
    Originally posted by please-let-me-be-lucky
    Was always guarenteed to rain for DS's sports days xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • beanielou
    • By beanielou 15th Jul 18, 9:58 PM
    • 55,473 Posts
    • 222,648 Thanks
    beanielou
    Had a lovely wee day with my mum today.
    We went out & had a late lunch/early tea.
    I had a very yummy strawberry sundae
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 15th Jul 18, 10:04 PM
    • 8,900 Posts
    • 52,279 Thanks
    please-let-me-be-lucky
    Strawberry sundae sounds lush.

    I see from you quoting my post that itís doing the stupid !!8217 thing again .
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 32/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 15th Jul 18, 10:10 PM
    • 55,473 Posts
    • 222,648 Thanks
    beanielou
    Strawberry sundae sounds lush.

    It was

    I see from you quoting my post that itís doing the stupid !!8217 thing again .
    Originally posted by please-let-me-be-lucky
    Boo
    It is a pain.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Jul 18, 10:59 PM
    • 4,570 Posts
    • 31,969 Thanks
    HairyHandofDartmoor
    Had a lovely wee day with my mum today.
    We went out & had a late lunch/early tea.
    I had a very yummy strawberry sundae
    Originally posted by beanielou
    Glad you had a nice day Beanie
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 16th Jul 18, 11:56 AM
    • 55,473 Posts
    • 222,648 Thanks
    beanielou
    **Moan alert**

    Like so many here I am sick of constantly having no money.
    Juggling.Juggling.
    Being in pain, being tired.

    I know I have a lot to be thankful for but it does all get a bit too much at times.
    This is my life.
    I dont know how long I can keep doing this.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • Karmacat
    • By Karmacat 16th Jul 18, 12:07 PM
    • 29,440 Posts
    • 168,980 Thanks
    Karmacat
    Ouch, beanie. If you're anything like me, there's so much that needs doing, you don't know where to start. Is there one thing that would help? Examples of what I mean: drinking more water. Dusting. A cool shower. Fresh clothes. Watering a container plant then weeding it.



    Or do you need to talk on here? By pm if necessary?


    xxx
    Retired August 2016
    • beanielou
    • By beanielou 16th Jul 18, 8:47 PM
    • 55,473 Posts
    • 222,648 Thanks
    beanielou
    Ouch, beanie. If you're anything like me, there's so much that needs doing, you don't know where to start. Is there one thing that would help? Examples of what I mean: drinking more water. Dusting. A cool shower. Fresh clothes. Watering a container plant then weeding it.



    Or do you need to talk on here? By pm if necessary?


    xxx
    Originally posted by Karmacat
    Thank you Karmcat

    One good thing that I do do is drink lots of water
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 16th Jul 18, 9:41 PM
    • 8,900 Posts
    • 52,279 Thanks
    please-let-me-be-lucky
    Hope you are feeling a little brighter this evening.

    Sending hugs Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 32/60
    Best win so far - holiday to Florida
    • milann
    • By milann 17th Jul 18, 7:19 PM
    • 1,772 Posts
    • 8,291 Thanks
    milann
    Aww Beanie - life does indeed suck at times and is a battle. Just hugs - just remember how amazing you are. But I know that doesn't help the pain and tiredness - wish I had a magic finger like ET to wave over you.
    • Cumbria lass
    • By Cumbria lass 17th Jul 18, 8:45 PM
    • 1,974 Posts
    • 12,092 Thanks
    Cumbria lass
    Oh Beanie hope all ok with you, sometimes life is just awful, but tomorrow is another day so hope it's better for you.

    Good to hear you had a lovely time with your mum , special times they are.
    CC1 £3980 June 2018
    • beanielou
    • By beanielou 17th Jul 18, 8:57 PM
    • 55,473 Posts
    • 222,648 Thanks
    beanielou
    Thanks Milan & Cumria Lass
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • beanielou
    • By beanielou 18th Jul 18, 11:34 AM
    • 55,473 Posts
    • 222,648 Thanks
    beanielou
    Oh Beanie hope all ok with you, sometimes life is just awful, but tomorrow is another day so hope it's better for you.

    Good to hear you had a lovely time with your mum , special times they are.
    Originally posted by Cumbria lass



    How very true this is today.
    Thinking of our lovely friend HHD today xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • Fortune Smiles
    • By Fortune Smiles 18th Jul 18, 1:33 PM
    • 2,821 Posts
    • 23,353 Thanks
    Fortune Smiles
    **Moan alert**

    Like so many here I am sick of constantly having no money.
    Juggling.Juggling.
    Being in pain, being tired.

    I know I have a lot to be thankful for but it does all get a bit too much at times.
    This is my life.
    I dont know how long I can keep doing this.
    Originally posted by beanielou
    Dear Beanie - I hope you have some good luck soon. You certainly deserve some. Fortune x
    Mortgage: 6% paid Overpayments: 1098.49 Emergency Fund: 61%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • beanielou
    • By beanielou 18th Jul 18, 6:51 PM
    • 55,473 Posts
    • 222,648 Thanks
    beanielou
    Dear Beanie - I hope you have some good luck soon. You certainly deserve some. Fortune x
    Originally posted by Fortune Smiles
    Thank you
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • beanielou
    • By beanielou 18th Jul 18, 9:14 PM
    • 55,473 Posts
    • 222,648 Thanks
    beanielou
    Tried to increase my overdraft without success.
    Ho hum.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
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