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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 1:19 PM
    • 63,667Posts
    • 282,156Thanks
    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 12 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 425
    • beanielou
    • By beanielou 23rd May 19, 9:53 PM
    • 63,667 Posts
    • 282,156 Thanks
    beanielou
    You should call him dear back Beanie .
    Originally posted by HairyHandofDartmoor
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 24th May 19, 7:46 AM
    • 1,765 Posts
    • 13,919 Thanks
    teafor2
    Morning Beanie Hope you have a lovely day and that Miss J isn't in too much discomfort. xx
    • beanielou
    • By beanielou 24th May 19, 8:02 AM
    • 63,667 Posts
    • 282,156 Thanks
    beanielou
    Morning Beanie Hope you have a lovely day and that Miss J isn't in too much discomfort. xx
    Originally posted by teafor2
    Thank you. You too
    Just getting up to see how things are.
    She was on my bed when I went to sleep but has moved through the night. Mr N is currently giving me the eye meaning get up & give me my breakfast xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 24th May 19, 10:08 AM
    • 63,667 Posts
    • 282,156 Thanks
    beanielou
    Miss J is brighter today.
    Came to get her breakfast
    I need to get moving.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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.***
    • jwil
    • By jwil 24th May 19, 12:15 PM
    • 10,651 Posts
    • 37,763 Thanks
    jwil
    Sorry to hear about miss J, glad she's brighter today x
    "If you can dream it, you can do it". Walt Disney
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 24th May 19, 2:49 PM
    • 9,758 Posts
    • 61,502 Thanks
    please-let-me-be-lucky
    Just catching up. Sorry the news re Miss J was not better, but glad she’s a bit brighter today. Can’t believe you’ve had them a year tomorrow! As others have said, you’ve given her a lovely twilight.

    Re the guy calling you dear, I suggest ‘Sweetie Pops’ as a retort Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 24th May 19, 3:43 PM
    • 63,667 Posts
    • 282,156 Thanks
    beanielou
    Just catching up. Sorry the news re Miss J was not better, but glad she’s a bit brighter today. Can’t believe you’ve had them a year tomorrow! As others have said, you’ve given her a lovely twilight.

    Re the guy calling you dear, I suggest ‘Sweetie Pops’ as a retort Xx
    Originally posted by please-let-me-be-lucky
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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.***
    • earthgirl
    • By earthgirl 24th May 19, 6:08 PM
    • 2,652 Posts
    • 27,763 Thanks
    earthgirl
    So sorry to hear about Miss J but glad she seems comfortable, I'm sure being with you is a priceless comfort to her.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    May budget Review - I saved £700 : https://youtu.be/eBorBymXXCQ

    Budget for June - Aiming to Save £2000: https://youtu.be/SExHVDMY_JE
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 24th May 19, 6:33 PM
    • 9,732 Posts
    • 77,284 Thanks
    HairyHandofDartmoor



    Re the guy calling you dear, I suggest ‘Sweetie Pops’ as a retort Xx
    Originally posted by please-let-me-be-lucky
    Please do Beanie and then film his baffled expression afterwards .
    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 = £4,105/£5,000. EMERGENCY FUND 2 = £2,005/£5,000.
    CHRISTMAS SAVINGS = £129.37/£500
    PREMIUM BONDS ME = £100. PREMIUM BONDS DH = £50
    • beanielou
    • By beanielou 24th May 19, 7:22 PM
    • 63,667 Posts
    • 282,156 Thanks
    beanielou
    Please do Beanie and then film his baffled expression afterwards .
    Originally posted by HairyHandofDartmoor
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 24th May 19, 7:23 PM
    • 63,667 Posts
    • 282,156 Thanks
    beanielou
    So sorry to hear about Miss J but glad she seems comfortable, I'm sure being with you is a priceless comfort to her.
    Originally posted by earthgirl
    Well she has had a good year here
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 24th May 19, 9:21 PM
    • 7,228 Posts
    • 53,292 Thanks
    Sun Addict
    Boo to being called dear, so patronising

    I hate it when I get called love, makes me feel old. One of my friends calls everyone darling, maybe this is the way forward

    Glad Miss J is comfortable xx
    Virtual Sealed Pot 2019 £317.17
    Emergency Fund £3260/£10,000
    • beanielou
    • By beanielou 24th May 19, 9:36 PM
    • 63,667 Posts
    • 282,156 Thanks
    beanielou
    Boo to being called dear, so patronising

    I hate it when I get called love, makes me feel old. One of my friends calls everyone darling, maybe this is the way forward

    Glad Miss J is comfortable xx
    Originally posted by Sun Addict
    It is so blooming patronising xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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.***
    • Fortune Smiles
    • By Fortune Smiles 24th May 19, 10:04 PM
    • 3,052 Posts
    • 25,319 Thanks
    Fortune Smiles
    The problem is I dont feel like that sadly xx
    Originally posted by beanielou
    Fake it 'til you make it Beanie. You might not believe it when you start saying these things but say them often enough and they become your truth. This is how our self beliefs form in the first place. We're told or say things to ourselves often enough. Make yourself some new ones

    What's to lose?

    Fortune x
    Mortgage: 11% paid Overpayments 2019: 1714.78 Emergency Fund: 90% Car Loan Remaining: 0%
    • Karmacat
    • By Karmacat 25th May 19, 8:16 AM
    • 31,628 Posts
    • 186,672 Thanks
    Karmacat
    It is so blooming patronising xx
    Originally posted by beanielou
    This is about being called "dear". Depending on who it is, I sometimes get absolutely furious about this I try not to, because they win ... sometimes, I wonder about borrowing a tactic I've heard of when someone says something objectionable, mostly racist, but it could be adapted for this. Keep asking them about it! "I didn't know I was in a relationship with you". "I don't think I know you". "Are you sure you mean me". "I didn't know you felt such affection for me". "Do you feel such affection for everyone you meet".

    I don't think I could actually do it, mind you, I think I'd break into the political, but I'd really like to try
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Pooky
    • By Pooky 25th May 19, 9:40 AM
    • 6,889 Posts
    • 44,926 Thanks
    Pooky
    DH called me "dear" on our 2nd date...

    He never, ever tried it again.

    If anyone calls me it now I reply with, "no, I'm cheap but pack a punch...normally aimed at those who call me dear". (Unless it's a little old lady, then I'll let them get away with it)
    "Start every day off with a smile and get it over with" - W. C. Field.
    • teafor2
    • By teafor2 25th May 19, 12:44 PM
    • 1,765 Posts
    • 13,919 Thanks
    teafor2
    Hi Beanie, hope you're having a nice Saturday and Miss J is still doing OK.

    Don't think I've every been called dear but being from where I am 'love' tagged on to the end of every sentence whether you've just been born or in your 90's is pretty standard so doesn't bother me in the slightest I had a great aunt from down south who called everybody duckie and an uncle who calls everybody sweetie. TBH I'd take any of those over 'hun' xx
    • earthgirl
    • By earthgirl 25th May 19, 4:15 PM
    • 2,652 Posts
    • 27,763 Thanks
    earthgirl
    I get 'hen' in scotland - HATE THAT!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    May budget Review - I saved £700 : https://youtu.be/eBorBymXXCQ

    Budget for June - Aiming to Save £2000: https://youtu.be/SExHVDMY_JE
    • teafor2
    • By teafor2 25th May 19, 4:29 PM
    • 1,765 Posts
    • 13,919 Thanks
    teafor2
    I get 'hen' in scotland - HATE THAT!
    Originally posted by earthgirl
    We also use chick or chicken a lot
    • Sun Addict
    • By Sun Addict 25th May 19, 6:35 PM
    • 7,228 Posts
    • 53,292 Thanks
    Sun Addict
    My MIL used to call everyone duckie. My Glaswegian adopted granny used to call me hen, she kept hens so as a child this was very confusing The worst of all I think is babe - just awful
    Virtual Sealed Pot 2019 £317.17
    Emergency Fund £3260/£10,000
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