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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 492
    • teapot2
    • By teapot2 12th Sep 19, 9:20 AM
    • 2,474 Posts
    • 10,586 Thanks
    teapot2
    Thats a bit frustrating I imagine as I'm assuming you can't use the scooter without it? Would it be worth chasing up? x
    • Karmacat
    • By Karmacat 12th Sep 19, 9:21 AM
    • 32,283 Posts
    • 190,671 Thanks
    Karmacat
    Just popping in to say hi, beanie - a shame there's no news on the ramp, mobility is so important. Stating the obvious, I know it just hits home every now and then.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • beanielou
    • By beanielou 12th Sep 19, 12:44 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Thats a bit frustrating I imagine as I'm assuming you can't use the scooter without it? Would it be worth chasing up? x
    Originally posted by teapot2
    Havent got the energy at the moment.
    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.***
    • doingitanyway
    • By doingitanyway 12th Sep 19, 4:38 PM
    • 4,501 Posts
    • 28,626 Thanks
    doingitanyway
    Sorry to check in after a while and find you are still low. I hope you feel better soon.
    Car costs savings: 443
    Xmas savings 210
    IF NOT NOW THEN WHEN? 19/31 AFDs forAugust
    • Seasidegal58
    • By Seasidegal58 13th Sep 19, 12:45 PM
    • 3,207 Posts
    • 20,359 Thanks
    Seasidegal58
    Hope both you and Mr N are feeling better beanie.
    x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    MONTHS TO RETIREMENT: 21
    My diary: ďPaid off the £31,000! BUT- still scrimping!Ē
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Sep 19, 4:55 PM
    • 10,301 Posts
    • 82,650 Thanks
    HairyHandofDartmoor
    I hope you feel better soon Beanie and that your ramp gets installed.
    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 13th Sep 19, 6:22 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Hope both you and Mr N are feeling better beanie.
    x
    Originally posted by Seasidegal58
    I hope you feel better soon Beanie and that your ramp gets installed.
    Originally posted by HairyHandofDartmoor
    Thank you both
    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 14th Sep 19, 6:58 PM
    • 2,863 Posts
    • 17,587 Thanks
    milann
    Hope youíre having a relaxing weekend Beanie and that the sun is shining for you as itís been beautiful here.
    • beanielou
    • By beanielou 14th Sep 19, 7:02 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Thanks milann.
    I am catching up on paperwork.
    I feel like is never ends.
    I will be over my printing limit for this month so I willl have to pay extra.
    I will never ever have another lodger.
    This has been horrendous in so many ways.
    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 14th Sep 19, 7:06 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    In other news the problems I have been trying to deal with behind the scenes seem to be hopefully slowly resolving them selves which is good as my MH has really suffered.
    This is one of the periods when I should have been chanting more & I always find it really hard to chant when I feel like this.
    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 14th Sep 19, 7:16 PM
    • 2,863 Posts
    • 17,587 Thanks
    milann
    Iím pleased things are slowly coming together for you as behind the scene stuffhas been taking itís toll on you. Hang on in there lovely lady - you are doing so well.
    • beanielou
    • By beanielou 14th Sep 19, 7:43 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Thank you milann my lovely friend
    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 14th Sep 19, 7:49 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    In mortgage news that is me entering the final year of my fix.
    After that only about 6 or 7 months and I am done.
    When I look back I find it hard to believe that I ever got to this stage.
    I was drowning in debt & my nortgage was overwhelming.
    So glad that I found MSE & all my lovely MSE friends.
    You have supported me more than you know & I wold never have got to this stage without you.
    Thank you
    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.***
    • Karmacat
    • By Karmacat 14th Sep 19, 9:45 PM
    • 32,283 Posts
    • 190,671 Thanks
    Karmacat
    Beanie, thats great! Its amazing when things start coming together so pleased that that will be for you soon.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • beanielou
    • By beanielou 14th Sep 19, 10:17 PM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Thanks 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. ***Be the difference.***
    • Karmacat
    • By Karmacat 15th Sep 19, 9:36 AM
    • 32,283 Posts
    • 190,671 Thanks
    Karmacat
    You're welcome How are you this morning?
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • teapot2
    • By teapot2 15th Sep 19, 9:47 AM
    • 2,474 Posts
    • 10,586 Thanks
    teapot2
    In mortgage news that is me entering the final year of my fix.
    After that only about 6 or 7 months and I am done.
    When I look back I find it hard to believe that I ever got to this stage.
    I was drowning in debt & my nortgage was overwhelming.
    So glad that I found MSE & all my lovely MSE friends.
    You have supported me more than you know & I wold never have got to this stage without you.
    Thank you
    Originally posted by beanielou
    Morning Beanie, thats great news about the mortgage , it must feel like the end is in sight with that - well done. I'm glad other things are settling in the background and I hope that helps with lifting your spirits a bit. Have a good day x
    • beanielou
    • By beanielou 15th Sep 19, 10:00 AM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    You're welcome How are you this morning?
    Originally posted by Karmacat
    Tired
    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 15th Sep 19, 10:01 AM
    • 66,370 Posts
    • 299,840 Thanks
    beanielou
    Morning Beanie, thats great news about the mortgage , it must feel like the end is in sight with that - well done. I'm glad other things are settling in the background and I hope that helps with lifting your spirits a bit. Have a good day x
    Originally posted by teapot2
    Thank you 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. ***Be the difference.***
    • milann
    • By milann 15th Sep 19, 11:04 AM
    • 2,863 Posts
    • 17,587 Thanks
    milann
    Thatís great news about the mortgage....the way the years fly by itíll be gone in the blink of an eye... I remember how overwhelmed you were at one stage and didnít think youíd ever get near to paying it off...keep telling you how well youíre doing
    How are things with the food bank - did you ever tell them you want to reduce your hours/responsibilities so that you donít feel too tired or did you decide to leave it.
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