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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 57,332Posts
    • 234,615Thanks
    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. MFW 2018. No 144
Page 290
    • beanielou
    • By beanielou 14th Oct 18, 12:52 PM
    • 57,332 Posts
    • 234,615 Thanks
    beanielou
    Glad you've made peace with it. Enjoy your tea with your mum.
    Originally posted by HairyHandofDartmoor
    Thank you.
    I know how very lucky I am to have her.
    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. MFW 2018. No 144
    • Sun Addict
    • By Sun Addict 14th Oct 18, 9:26 PM
    • 6,214 Posts
    • 42,516 Thanks
    Sun Addict
    As you always say it is what it is re the debt.

    Yes you are so very lucky to still have your mum xx
    Virtual Sealed Pot 2018 £404.08
    Debt £2180
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • Bubblesmum
    • By Bubblesmum 14th Oct 18, 10:39 PM
    • 1,115 Posts
    • 6,511 Thanks
    Bubblesmum
    Hope you had a lovely time with Mum, and that you’ve made your peace with your financial management.

    What books did you get from the lubrary?
    As a dear MSE friend says “keep plodding”
    • beanielou
    • By beanielou 15th Oct 18, 1:41 AM
    • 57,332 Posts
    • 234,615 Thanks
    beanielou
    I got the new Robert Galbraith. Lethal White.
    It was fantastic.
    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. MFW 2018. No 144
    • beanielou
    • By beanielou 15th Oct 18, 7:27 PM
    • 57,332 Posts
    • 234,615 Thanks
    beanielou
    I have the most ginormous spot on my face.
    Not had one like it for years.
    I am a very middle aged woman.
    I should so not get spots
    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. MFW 2018. No 144
    • beanielou
    • By beanielou 15th Oct 18, 7:29 PM
    • 57,332 Posts
    • 234,615 Thanks
    beanielou
    Can anyone help.

    I know you can spend necter points on ebay.
    Does anyone know how? Thanks.
    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. MFW 2018. No 144
    • Karmacat
    • By Karmacat 15th Oct 18, 7:52 PM
    • 29,846 Posts
    • 172,421 Thanks
    Karmacat
    Oof, thats a good question - I haven't even linked up my nectar account to my ebay account, and I know you can.


    Found this, beanie: https://pages.ebay.co.uk/nectar-rewards/faq.html
    The right hand side should tell you what you need to know. Really good idea, that.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 15th Oct 18, 8:02 PM
    • 57,332 Posts
    • 234,615 Thanks
    beanielou
    Thank you Karmcat
    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. MFW 2018. No 144
    • abba1772
    • By abba1772 15th Oct 18, 10:31 PM
    • 5,264 Posts
    • 18,896 Thanks
    abba1772
    I didn't know you could.......off to find out how thank beanie xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £698.71
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £10838.08
    • beanielou
    • By beanielou 15th Oct 18, 10:41 PM
    • 57,332 Posts
    • 234,615 Thanks
    beanielou
    I didn't know you could.......off to find out how thank beanie xx
    Originally posted by abba1772
    Hope it helps
    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. MFW 2018. No 144
    • beanielou
    • By beanielou 15th Oct 18, 10:43 PM
    • 57,332 Posts
    • 234,615 Thanks
    beanielou
    Right. I am going to bed.
    Last night I did not get to sleep til 2am
    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. MFW 2018. No 144
    • Pooky
    • By Pooky 16th Oct 18, 7:45 AM
    • 6,915 Posts
    • 44,097 Thanks
    Pooky
    Sainsbury's often do a "double up" on points just before Christmas so £30 becomes £60 to spend in certain departments. Not very well advertised but worth keeping an eye out for. We only use the nectar card for fuel so don't rack up many points but we did manage to get a few Christmas pressies last year and this year we're planning on new pj's each. How decadent!
    "Start every day off with a smile and get it over with" - W. C. Field.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Oct 18, 8:44 AM
    • 5,145 Posts
    • 36,269 Thanks
    HairyHandofDartmoor
    Hope you slept better last night 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
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