Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 1:19 PM
    • 64,408Posts
    • 286,952Thanks
    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 452
    • beanielou
    • By beanielou 14th Jul 19, 9:04 PM
    • 64,408 Posts
    • 286,952 Thanks
    beanielou
    As you know I am involved with the local FB.
    I also have a trustee role which seems to take up more & more time.
    If I am honest in some ways it is all becoming a bit much as we get busier & busier & there are more & more strands to our work.
    Hey ho.
    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 Jul 19, 9:20 PM
    • 2,670 Posts
    • 15,931 Thanks
    milann
    If it is getting too much at the FB there is no shame in dropping some of your responsibilities and letting others take on more. Sometimes those who are willing ‘to do’ get overwhelmed as others expect more and more from them......only do what makes you fulfilled so that it doesn’t begin to bring you down....iykwim....says Auntie Milann being bossy

    since I’ve heard your ‘actual voice’ I’m reading your posts in a Scottish accent rather than a Northern one
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 14th Jul 19, 9:27 PM
    • 9,819 Posts
    • 62,159 Thanks
    please-let-me-be-lucky
    Totally agree with Milann. No shame at all in reducing the amount you do for FB Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 14th Jul 19, 9:31 PM
    • 64,408 Posts
    • 286,952 Thanks
    beanielou
    [QUOTE=milann;76036927]If it is getting too much at the FB there is no shame in dropping some of your responsibilities and letting others take on more. Sometimes those who are willing ‘to do’ get overwhelmed as others expect more and more from them......only do what makes you fulfilled so that it doesn’t begin to bring you down....iykwim....says Auntie Milann being bossy

    since I’ve heard your ‘actual voice’ I’m reading your posts in a Scottish accent rather than a Northern one [/QUOTE]
    Love i

    Yes, you are right.
    Will see how things go.
    It is difficult part way through the year though
    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 Jul 19, 10:35 PM
    • 64,408 Posts
    • 286,952 Thanks
    beanielou
    Thanks Lucky. 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.***
    • earthgirl
    • By earthgirl 15th Jul 19, 5:21 AM
    • 2,687 Posts
    • 28,053 Thanks
    earthgirl
    Sorry to hear about your fall but echo everybody else, you are aamzing. you should feel so proud of what you achieve.
    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 15th Jul 19, 7:35 AM
    • 1,947 Posts
    • 15,220 Thanks
    teafor2
    Morning Beanie

    Milann, I'm laughing at you reading our Beanie in a Scottish accent

    I agree with what everybody else has said about the FB. You know what they say "if you want a job doing, give it to a busy person". I'm sure the last thing you want to do is start feeling resentful about taking on more and more. In a way realising it's getting too much halfway through the year is good. If you do decide to relinquish part of your role, but feel able to carry on for a while longer, then telling them now gives them fair warning and enough time to sort something out.

    At the end of the day you're a volunteer and I really believe that role cuts both ways. As well as giving you should be getting something out of it, not feeling weighed down by it all.

    I'd give some serious thought as to which parts you want to drop and which ones you want to keep doing then let them know.

    Have a lovely day. xx
    • milann
    • By milann 15th Jul 19, 9:54 AM
    • 2,670 Posts
    • 15,931 Thanks
    milann
    Beanie I should have said I’m reading in a bad Scottish accent - I’m no mimic or actor
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Jul 19, 1:38 PM
    • 9,972 Posts
    • 79,209 Thanks
    HairyHandofDartmoor
    I agree with cutting down on some of your responsibilites if it's starting to get too much for you Beanie. No point in getting to the stage where it's stressing out out. You've given valuable service over the years so maybe it's time for someone else to take on the role of treasurer.
    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 = £4,005/£5,000. EMERGENCY FUND 2 = £2,005/£5,000.
    CHRISTMAS SAVINGS = £129.37/£500
    PREMIUM BONDS ME = £150. PREMIUM BONDS DH = £50
    • Karmacat
    • By Karmacat 15th Jul 19, 1:44 PM
    • 31,849 Posts
    • 187,926 Thanks
    Karmacat
    Yup, just joining the chorus - when I resigned by arrangement just after an important shake up in my counselling organisation, the people who knew the work I'd done were really, really good about it. And when I carried on as an ordinary member, they were even better, they kept telling me all the inside goss
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • girlatplay
    • By girlatplay 15th Jul 19, 2:02 PM
    • 2,585 Posts
    • 14,984 Thanks
    girlatplay
    since I’ve heard your ‘actual voice’ I’m reading your posts in a Scottish accent rather than a Northern one
    Originally posted by milann
    Everyone sounds Scottish in my head so I've clearly been hearing oor beanie correctly
    Loan (£7,500) current balance: £6,630.02
    IO Mortgage current balance: £87,610
    365 day penny challenge (unofficial member): £216.39
    • beanielou
    • By beanielou 15th Jul 19, 4:43 PM
    • 64,408 Posts
    • 286,952 Thanks
    beanielou
    Everyone sounds Scottish in my head so I've clearly been hearing oor beanie correctly
    Originally posted by girlatplay
    I thought you were Scottish for some reason
    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 Jul 19, 7:29 PM
    • 64,408 Posts
    • 286,952 Thanks
    beanielou
    Thanks everyone for your thoughts on the FB.
    Appreciated
    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 Jul 19, 7:34 PM
    • 64,408 Posts
    • 286,952 Thanks
    beanielou
    So in other news I have found my dream scooter.
    Unfortunatly it is beyong my budget of £1,500.
    It looks just right for me & folds up like a suitcase.
    I could cry.
    So flipping frustrating.


    https://efoldi.com/

    “eFOLDi is a folding magic, fantastic invention! Simply brilliant!”
    Sir Richard Branson
    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 15th Jul 19, 8:00 PM
    • 1,947 Posts
    • 15,220 Thanks
    teafor2
    I'm glad that you think you've found a scooter, but it being over budget isn't good. Will you be able to try one before you decide to buy? Is there any way at all you can get the extra money together? xx
    • beanielou
    • By beanielou 15th Jul 19, 8:20 PM
    • 64,408 Posts
    • 286,952 Thanks
    beanielou
    I'm glad that you think you've found a scooter, but it being over budget isn't good. Will you be able to try one before you decide to buy? Is there any way at all you can get the extra money together? xx
    Originally posted by teafor2
    No, thats my limit unfortunatly 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.***
    • in need of direction
    • By in need of direction 15th Jul 19, 9:20 PM
    • 5,870 Posts
    • 36,343 Thanks
    in need of direction
    Are there any grants available? Also, do you have a loan due to finish soon? Could you not juggle until there’s a wee bit more disposable income?
    Mortgage at 01.01.14 £119,481.83 today £67373.01 target £65,000 by 05/04/19 Offset fund today £716.16 target £5,500 by 05/04/19
    Emergency fund £5,500/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 15th Jul 19, 9:31 PM
    • 64,408 Posts
    • 286,952 Thanks
    beanielou
    Are there any grants available? Also, do you have a loan due to finish soon? Could you not juggle until there’s a wee bit more disposable income?
    Originally posted by in need of direction
    No other grants around that I know of. ( This total already includes a small grant that I received last week)
    The loan is finished which means I more or less break even now which is good
    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.***
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

99Posts Today

2,471Users online

Martin's Twitter