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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 58,039Posts
    • 238,942Thanks
    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 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. MFW 2018. No 144
Page 257
    • milann
    • By milann 11th Jul 18, 9:43 PM
    • 1,990 Posts
    • 9,656 Thanks
    milann
    Ouch to expensive glasses Beanie but you need them and can't risk not getting them - uncorrected sight and mobility combos are never good.

    How's the feline fraternity doing? - I imagine there's plenty of sunbathing happening or do they prefer a shady spot?
    • beanielou
    • By beanielou 11th Jul 18, 10:01 PM
    • 58,039 Posts
    • 238,942 Thanks
    beanielou
    Milan~~All the cats prefer a shady spot.
    One curled up beside me at the moment
    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. MFW 2018. No 144
    • milann
    • By milann 11th Jul 18, 10:07 PM
    • 1,990 Posts
    • 9,656 Thanks
    milann
    Enjoy your fur baby cuddles - jealous here as I can't do that as I'd be sneezing and have poorly eyes. But I'm trying to convince dh to make a trip to dogs home once he's reduced his hours getting ready for retirement.
    • beanielou
    • By beanielou 11th Jul 18, 10:15 PM
    • 58,039 Posts
    • 238,942 Thanks
    beanielou
    Enjoy your fur baby cuddles - jealous here as I can't do that as I'd be sneezing and have poorly eyes. But I'm trying to convince dh to make a trip to dogs home once he's reduced his hours getting ready for retirement.
    Originally posted by milann
    Fab idea
    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. MFW 2018. No 144
    • Butti
    • By Butti 11th Jul 18, 11:13 PM
    • 4,708 Posts
    • 12,996 Thanks
    Butti
    Been to the optician.
    Need to lie in a darkened room is all.
    Originally posted by beanielou
    That could probably describe most of us.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (10/18 )£5826
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    33.2% paid 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
    • Butti
    • By Butti 11th Jul 18, 11:14 PM
    • 4,708 Posts
    • 12,996 Thanks
    Butti
    The weatherman has a waistcoat on....bless him.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (10/18 )£5826
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    33.2% paid 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
    • Eager_Elephant
    • By Eager_Elephant 12th Jul 18, 6:57 AM
    • 4,489 Posts
    • 26,131 Thanks
    Eager_Elephant
    I know glasses are expensive (says the lady who paid £400 for 4 pairs last month and that was a Buy 1 Get 1 Free offer) but when you consider a cost per wear basis they work out to pence for each use.

    And as milann says we all need good vision especially those with mobility issues.
    Ninja Saving Turtle No. 1 for August
    NSD - 9/15
    (up to 12/8/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • in need of direction
    • By in need of direction 12th Jul 18, 9:45 AM
    • 5,342 Posts
    • 31,642 Thanks
    in need of direction
    Can you get any assistance with costs on grounds of low income?
    Mortgage at 01.01.14 £119,481.83 today £72,374.15, target £65,000 by 31/12/18 Offset fund today £377.27 target £5,500 by 31/12/18
    Emergency fund £1,100/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 12th Jul 18, 9:58 AM
    • 58,039 Posts
    • 238,942 Thanks
    beanielou
    Can you get any assistance with costs on grounds of low income?
    Originally posted by in need of direction
    I do.
    Still expensive because of the varifocal lenses.
    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. MFW 2018. No 144
    • beanielou
    • By beanielou 12th Jul 18, 4:36 PM
    • 58,039 Posts
    • 238,942 Thanks
    beanielou
    HHD~~Thank you so much for brightening my day
    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. MFW 2018. No 144
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Jul 18, 7:13 PM
    • 5,731 Posts
    • 40,473 Thanks
    HairyHandofDartmoor
    HHD~~Thank you so much for brightening my day
    Originally posted by beanielou

    It's a pleasure
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • brizzlegirl
    • By brizzlegirl 13th Jul 18, 12:22 PM
    • 401 Posts
    • 2,666 Thanks
    brizzlegirl
    Hope alls good beanie.. weather still good?

    I was noticing that you are posting on the SW thread...I have always avoided things like SW, but is it worth it do you think?

    x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 13th Jul 18, 2:47 PM
    • 58,039 Posts
    • 238,942 Thanks
    beanielou
    Hope alls good beanie.. weather still good?

    I was noticing that you are posting on the SW thread...I have always avoided things like SW, but is it worth it do you think?

    x
    Originally posted by brizzlegirl
    I found that SW has helped me loose the weight that I needed too.
    I go for free now as I am at target so as long as I stay in target range it is free

    Weather not as good.
    Back in trousers
    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. MFW 2018. No 144
    • brizzlegirl
    • By brizzlegirl 13th Jul 18, 3:32 PM
    • 401 Posts
    • 2,666 Thanks
    brizzlegirl
    Thanks beanie. I will also look at the thread and go for a short run... should all help
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Jul 18, 8:38 PM
    • 5,731 Posts
    • 40,473 Thanks
    HairyHandofDartmoor
    It's still hot and sunny here, but it could all change. How has your day been 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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 13th Jul 18, 8:52 PM
    • 58,039 Posts
    • 238,942 Thanks
    beanielou
    It's still hot and sunny here, but it could all change. How has your day been Beanie?
    Originally posted by HairyHandofDartmoor
    Tiring

    I really had no idea how much more work three cats would be compared to one.
    I seem to spend my washing cat bowls. Jill is also a very messy eater.
    Oh well it is what it is.
    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. MFW 2018. No 144
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Jul 18, 8:56 PM
    • 5,731 Posts
    • 40,473 Thanks
    HairyHandofDartmoor
    They're good company for you though so hopefully they're worth the extra work. Imagine how cosy it will be in the winter with three of them snuggled up to you .
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 13th Jul 18, 9:08 PM
    • 58,039 Posts
    • 238,942 Thanks
    beanielou
    They're good company for you though so hopefully they're worth the extra work. Imagine how cosy it will be in the winter with three of them snuggled up to you .
    Originally posted by HairyHandofDartmoor
    I hope so
    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. MFW 2018. No 144
    • Sun Addict
    • By Sun Addict 13th Jul 18, 9:35 PM
    • 6,319 Posts
    • 43,615 Thanks
    Sun Addict
    My cat is a very messy eater. She takes it out of the bowl and eats it off the floor, then always leaves a bit But she's cute so all is forgiven
    Virtual Sealed Pot 2018 £404.08
    Debt £2180
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • beanielou
    • By beanielou 13th Jul 18, 9:37 PM
    • 58,039 Posts
    • 238,942 Thanks
    beanielou
    My cat is a very messy eater. She takes it out of the bowl and eats it off the floor, then always leaves a bit But she's cute so all is forgiven
    Originally posted by Sun Addict
    Mine are forgiven too
    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. MFW 2018. No 144
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