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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 1:19 PM
    • 66,370Posts
    • 299,840Thanks
    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 491
    • milann
    • By milann 7th Sep 19, 10:50 AM
    • 2,863 Posts
    • 17,588 Thanks
    milann
    Have a good weekend Beanie
    • beanielou
    • By beanielou 7th Sep 19, 5:10 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Thanks 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.***
    • Sun Addict
    • By Sun Addict 8th Sep 19, 7:47 PM
    • 7,542 Posts
    • 56,209 Thanks
    Sun Addict
    Shame you can't get the physio free It should be for long term conditions.
    Virtual Sealed Pot 2019 £450.00
    Emergency Fund £3300/£10,000
    • beanielou
    • By beanielou 8th Sep 19, 7:50 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Thanks SA
    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.***
    • beanielou
    • By beanielou 8th Sep 19, 7:51 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    HELP!!!

    I converted necter points into vouchers to spend on ebay.
    I need a code to be able to 'spend' it.
    How can I find the code.
    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. ***Be the difference.***
    • in need of direction
    • By in need of direction 8th Sep 19, 7:58 PM
    • 6,013 Posts
    • 37,504 Thanks
    in need of direction
    sorry, only ever use nectar points for the Christmas treats from sainsbugs
    Mortgage at 01.01.14 £119,481.83 today £66746.09 target £65,000 by 05/04/19 Offset fund today £826.16 target £1000 by 31/12/19
    Emergency fund £4250/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 6lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 8th Sep 19, 8:19 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Finally sorted.
    What a plaver.
    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 9th Sep 19, 4:05 PM
    • 10,301 Posts
    • 82,651 Thanks
    HairyHandofDartmoor
    How are you today Beanie?
    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 = £3,243/£5,000. EMERGENCY FUND 2 = £2,005/£5,000.
    CHRISTMAS SAVINGS = £129.37/£500
    PREMIUM BONDS ME = £200. PREMIUM BONDS DH = £150
    • beanielou
    • By beanielou 9th Sep 19, 5:34 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    How are you today Beanie?
    Originally posted by HairyHandofDartmoor
    Not at my best it has to be said.
    Thanks for asking.
    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.***
    • Seasidegal58
    • By Seasidegal58 9th Sep 19, 5:49 PM
    • 3,207 Posts
    • 20,360 Thanks
    Seasidegal58
    Sorry to hear that beanie.
    x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    MONTHS TO RETIREMENT: 21
    My diary: “Paid off the £31,000! BUT- still scrimping!”
    • beanielou
    • By beanielou 9th Sep 19, 6:33 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Sorry to hear that beanie.
    x
    Originally posted by Seasidegal58
    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. ***Be the difference.***
    • milann
    • By milann 9th Sep 19, 6:58 PM
    • 2,863 Posts
    • 17,588 Thanks
    milann
    Hope you’re feeling a bit better Beanie.
    • beanielou
    • By beanielou 9th Sep 19, 7:05 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Thanks 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.***
    • milann
    • By milann 11th Sep 19, 10:36 AM
    • 2,863 Posts
    • 17,588 Thanks
    milann
    Sending you lots of virtual good vibes, hugs smarties and gin.
    How are your feline friends doing, hope you’re having lots of cuddles
    • beanielou
    • By beanielou 11th Sep 19, 12:49 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Thanks millann.
    Mr N is not at his best.
    More worry.
    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.***
    • beanielou
    • By beanielou 11th Sep 19, 12:50 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Physio again today.
    I am so thankful I have her in my life.
    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 11th Sep 19, 2:10 PM
    • 2,204 Posts
    • 17,341 Thanks
    teafor2
    Hi Beanie Hope physio went well and you're not in too much pain. Sorry to hear you're not feeling 100% xx
    • milann
    • By milann 11th Sep 19, 4:39 PM
    • 2,863 Posts
    • 17,588 Thanks
    milann
    Pleased that physio is still giving you some relief....they work wonders. Just a pity you have to fork out for it.
    Poor Mr N - is it just an age thing? Think he needs snuggles on the sofa with his Mum
    • teapot2
    • By teapot2 12th Sep 19, 8:54 AM
    • 2,474 Posts
    • 10,586 Thanks
    teapot2
    Morning Beanie, how are you and Mr N doing today? Any news on when you might get the ramp put in?
    • beanielou
    • By beanielou 12th Sep 19, 9:17 AM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    No news teapot on the ramp.
    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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