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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 54,866Posts
    • 218,949Thanks
    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 200
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 12th Mar 18, 8:34 PM
    • 8,831 Posts
    • 51,728 Thanks
    please-let-me-be-lucky
    Not too long to Florida Lucky?
    Originally posted by beanielou
    8 weeks .

    Can’t wait. Filled in the absence request form for the boys school, and took great delight in writing ‘Won a holiday to Florida’ in the reason for request box Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 28/60
    Best win so far - holiday to Florida
    • Sun Addict
    • By Sun Addict 12th Mar 18, 8:35 PM
    • 5,828 Posts
    • 38,437 Thanks
    Sun Addict
    Glad the meter reading is sorted. Still not great to be in debit but you'll be able to claw it back over summer hopefully. I hate submitting meter readings.

    Hooray to being half a new woman
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • beanielou
    • By beanielou 12th Mar 18, 8:42 PM
    • 54,866 Posts
    • 218,949 Thanks
    beanielou
    8 weeks .

    Can’t wait. Filled in the absence request form for the boys school, and took great delight in writing ‘Won a holiday to Florida’ in the reason for request box Xx
    Originally posted by please-let-me-be-lucky

    Betyou did 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 12th Mar 18, 8:43 PM
    • 54,866 Posts
    • 218,949 Thanks
    beanielou
    In other news took ring to first jeweller on list & they dont buy
    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.
    • milann
    • By milann 12th Mar 18, 9:01 PM
    • 1,724 Posts
    • 8,062 Thanks
    milann
    Phew to meter reading. It's been a cold winter let's hope it's a warm summer so you can balance it out a bit.
    • ZTD
    • By ZTD 12th Mar 18, 9:09 PM
    • 23,730 Posts
    • 42,866 Thanks
    ZTD
    Phew to meter reading. It's been a cold winter let's hope it's a warm summer so you can balance it out a bit.
    Originally posted by milann
    It's not looking like it at the moment. Though that is a long-range forecast and the saying about "Lies, damned lies and weather forecasts" does come to mind...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 12th Mar 18, 9:15 PM
    • 54,866 Posts
    • 218,949 Thanks
    beanielou
    Chuffing freezing in here at the moment & heating has been on since 6.30
    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.
    • milann
    • By milann 12th Mar 18, 10:00 PM
    • 1,724 Posts
    • 8,062 Thanks
    milann
    Sings loudly 'la la la la la ' with fingers in my ears at Zeds post - I haven't read it and have no knowledge of it...in my head it is going to be a long warm (don't want too hot) summer and it's waiting just around the corner
    • beanielou
    • By beanielou 12th Mar 18, 10:17 PM
    • 54,866 Posts
    • 218,949 Thanks
    beanielou
    Sings loudly 'la la la la la ' with fingers in my ears at Zeds post - I haven't read it and have no knowledge of it...in my head it is going to be a long warm (don't want too hot) summer and it's waiting just around the corner
    Originally posted by milann
    Me too
    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 12th Mar 18, 10:18 PM
    • 54,866 Posts
    • 218,949 Thanks
    beanielou
    Mr Z.

    I know you are not very often wrong because you are clever & well read.
    But just this once~pretty please
    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.
    • ZTD
    • By ZTD 12th Mar 18, 10:27 PM
    • 23,730 Posts
    • 42,866 Thanks
    ZTD
    Mr Z.

    I know you are not very often wrong because you are clever & well read.
    But just this once~pretty please
    Originally posted by beanielou


    As is usual with these things, if you've opened the tea bag the wrong way, it can turn out really different to what's expected.

    I look at long-range weather forecasts more for their entertainment (in a sarcastic sense) than for their predictive powers.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 13th Mar 18, 8:06 PM
    • 54,866 Posts
    • 218,949 Thanks
    beanielou
    Had my haircut today
    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.
    • Sun Addict
    • By Sun Addict 13th Mar 18, 8:16 PM
    • 5,828 Posts
    • 38,437 Thanks
    Sun Addict
    Happy new hair
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • doingitanyway
    • By doingitanyway 13th Mar 18, 8:21 PM
    • 3,147 Posts
    • 15,771 Thanks
    doingitanyway
    A haircut is such a boost to the self esteem. Enjoy it Beanie
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 13th Mar 18, 8:45 PM
    • 54,866 Posts
    • 218,949 Thanks
    beanielou
    7 quid well spent
    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 13th Mar 18, 8:58 PM
    • 54,866 Posts
    • 218,949 Thanks
    beanielou
    Also today is very much a day of reflection.
    Today it is 22 years since the horror of Dunblane.
    So please take a moment to remember the children & their teacher.
    Always in our heart.
    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.
    • brizzledfw
    • By brizzledfw 13th Mar 18, 9:06 PM
    • 7,275 Posts
    • 35,709 Thanks
    brizzledfw
    Yes remember that day. Thanks for making sure we honour and do not forget

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 13th Mar 18, 9:23 PM
    • 54,866 Posts
    • 218,949 Thanks
    beanielou
    I remember it so very clearly.
    My own DS was only 2.
    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.
    • Butti
    • By Butti 13th Mar 18, 10:28 PM
    • 4,634 Posts
    • 12,438 Thanks
    Butti
    Just horrendous
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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
    • Karmacat
    • By Karmacat 14th Mar 18, 11:09 AM
    • 29,312 Posts
    • 167,811 Thanks
    Karmacat
    Happy new hair
    Originally posted by Sun Addict
    I like that! I'm stealing it for future use

    But right now .. happy new hair, beanie




    ETA - oof, just seen your post about Dunblane ... I think of that pretty often, actually ... RIP those poor people.
    Retired August 2016
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