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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 1:19 PM
    • 64,524Posts
    • 288,024Thanks
    beanielou
    Baby steps to mortgage freedom for beanielou.
    • #1
    • 4th Nov 14, 1:19 PM
    Baby steps to mortgage freedom for beanielou. 4th Nov 14 at 1:19 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. ***Be the difference.***
Page 437
    • doingitanyway
    • By doingitanyway 16th Jun 19, 7:07 PM
    • 4,428 Posts
    • 27,326 Thanks
    doingitanyway
    I hope you had a good Sunday?
    Car costs savings: 165
    Xmas savings 100
    • beanielou
    • By beanielou 16th Jun 19, 7:13 PM
    • 64,524 Posts
    • 288,024 Thanks
    beanielou
    I hope you had a good Sunday?
    Originally posted by doingitanyway
    Have had a PJ day.
    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. ***Be the difference.***
    • doingitanyway
    • By doingitanyway 16th Jun 19, 7:31 PM
    • 4,428 Posts
    • 27,326 Thanks
    doingitanyway
    You've been through lots lately. A PJ day is probably just what the doctor ordered.
    Car costs savings: 165
    Xmas savings 100
    • teapot2
    • By teapot2 16th Jun 19, 9:54 PM
    • 2,293 Posts
    • 9,534 Thanks
    teapot2

    Tea~~Will see how the best boy gets on with the food & take it from there
    Originally posted by beanielou
    Is best boy picky about his food? That can be tricky when you have to change their diet. BOFB has 3 different flavours of wet food and there is usually one out of favour . He also goes through phases of not eating and just licking the gravy off the food. A while ago I realised he sometimes prefers to eat the food that has been out for 24 hours rather than the fresh food - presumably its the smell but who knows. Cats eh......
    • Butti
    • By Butti 16th Jun 19, 10:35 PM
    • 4,901 Posts
    • 14,269 Thanks
    Butti
    Have had a PJ day.
    Originally posted by beanielou
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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
    • beanielou
    • By beanielou 17th Jun 19, 4:03 PM
    • 64,524 Posts
    • 288,024 Thanks
    beanielou
    Is best boy picky about his food? That can be tricky when you have to change their diet. BOFB has 3 different flavours of wet food and there is usually one out of favour . He also goes through phases of not eating and just licking the gravy off the food. A while ago I realised he sometimes prefers to eat the food that has been out for 24 hours rather than the fresh food - presumably its the smell but who knows. Cats eh......
    Originally posted by teapot2
    Best boy can indeed be picky............
    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. ***Be the difference.***
    • Sun Addict
    • By Sun Addict 17th Jun 19, 7:41 PM
    • 7,337 Posts
    • 54,177 Thanks
    Sun Addict
    My cat pinches the dog's food even though she has her own in her dish.
    Virtual Sealed Pot 2019 £366.57
    Emergency Fund £3300/£10,000
    • beanielou
    • By beanielou 17th Jun 19, 7:51 PM
    • 64,524 Posts
    • 288,024 Thanks
    beanielou
    My cat pinches the dog's food even though she has her own in her dish.
    Originally posted by Sun Addict
    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. ***Be the difference.***
    • milann
    • By milann 18th Jun 19, 8:25 AM
    • 2,680 Posts
    • 16,069 Thanks
    milann
    Our dog used to be so faddy - previously learned behaviour as we took her in from a stray - turned her nose up at dog food but would eat most human food - except mushrooms......we took her round to snooty sil house one day who treated her cats like royalty.....dog ate 3 dishes of different cat food that was out on the floor ( the cat liked variety apparently) sister in law was not amused as they were the cats favourite- she still talks about it now
    • beanielou
    • By beanielou 18th Jun 19, 8:31 AM
    • 64,524 Posts
    • 288,024 Thanks
    beanielou
    Our dog used to be so faddy - previously learned behaviour as we took her in from a stray - turned her nose up at dog food but would eat most human food - except mushrooms......we took her round to snooty sil house one day who treated her cats like royalty.....dog ate 3 dishes of different cat food that was out on the floor ( the cat liked variety apparently) sister in law was not amused as they were the cats favourite- she still talks about it now
    Originally posted by milann
    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. ***Be the difference.***
    • teafor2
    • By teafor2 18th Jun 19, 10:53 AM
    • 1,978 Posts
    • 15,478 Thanks
    teafor2
    Morning Beanie Hope you're OK and touch wood have managed a couple of days without falling and hurting yourself. xx
    • beanielou
    • By beanielou 18th Jun 19, 11:47 AM
    • 64,524 Posts
    • 288,024 Thanks
    beanielou
    Morning Beanie Hope you're OK and touch wood have managed a couple of days without falling and hurting yourself. xx
    Originally posted by teafor2
    Last fall Sunday 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. ***Be the difference.***
    • teafor2
    • By teafor2 18th Jun 19, 1:39 PM
    • 1,978 Posts
    • 15,478 Thanks
    teafor2
    Last fall Sunday xx
    Originally posted by beanielou
    Fingers crossed it stays that way. Have to relinquish the laptop soon as DS will be in from school
    • earthgirl
    • By earthgirl 18th Jun 19, 4:50 PM
    • 2,700 Posts
    • 28,164 Thanks
    earthgirl
    I have a totally picky boy as well - human. Just no rhyme or reason to what he will agree to eat!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Progress not Perfection
    • milann
    • By milann 18th Jun 19, 5:23 PM
    • 2,680 Posts
    • 16,069 Thanks
    milann
    Hope your elbow is ok after bashing it the other day.
    There’s been a strange ball in the sky today here which I haven’t seen for a long time- rumour has it is called the sun....hoping it pops back tomorrow and it visits you too.
    • Sunshine girl2
    • By Sunshine girl2 18th Jun 19, 6:39 PM
    • 198 Posts
    • 1,289 Thanks
    Sunshine girl2
    :Beanie I hope the sun came out today for you. Keep on plodding lovely lady .
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 18th Jun 19, 8:02 PM
    • 9,996 Posts
    • 79,484 Thanks
    HairyHandofDartmoor
    I'm jealous of your sun as we've had rain all day! Please send it my way .

    I hope you're okay Beanie and haven't been falling over today.
    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 = £4,005/£5,000. EMERGENCY FUND 2 = £2,005/£5,000.
    CHRISTMAS SAVINGS = £129.37/£500
    PREMIUM BONDS ME = £150. PREMIUM BONDS DH = £50
    • beanielou
    • By beanielou 18th Jun 19, 8:45 PM
    • 64,524 Posts
    • 288,024 Thanks
    beanielou
    I am just exhausted.
    Skint and now having yet more problems with the central heating.
    This time with the controller.
    The heating came on through the night & the temp when I got up was 27.4.
    I really dont understand the ins & outs but when the controller goes wonky it does not send the proper signal to the boiler even if the heating is off according to the controller.
    I have to think how much this is all costing me. Sigh.
    I am feeling defeated.
    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. ***Be the difference.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 18th Jun 19, 8:50 PM
    • 9,996 Posts
    • 79,484 Thanks
    HairyHandofDartmoor
    That doesn't sound good Beanie, sorry to hear that .
    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 = £4,005/£5,000. EMERGENCY FUND 2 = £2,005/£5,000.
    CHRISTMAS SAVINGS = £129.37/£500
    PREMIUM BONDS ME = £150. PREMIUM BONDS DH = £50
    • beanielou
    • By beanielou 18th Jun 19, 9:09 PM
    • 64,524 Posts
    • 288,024 Thanks
    beanielou
    That doesn't sound good Beanie, sorry to hear that .
    Originally posted by HairyHandofDartmoor
    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. ***Be the difference.***
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