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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 53,955Posts
    • 213,777Thanks
    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 122
    • beanielou
    • By beanielou 5th Jul 17, 9:12 PM
    • 53,955 Posts
    • 213,777 Thanks
    beanielou
    Have to say I seem to be having more & more problems at the moment with quite bad indigestion. Ho hum.
    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.
    • Eager_Elephant
    • By Eager_Elephant 6th Jul 17, 6:42 AM
    • 4,352 Posts
    • 24,679 Thanks
    Eager_Elephant
    Excuse me for popping in to your diary. I lurk and read and don't post, however, i think you are an inspiration.
    The reason for coming out of lurkdom is to say to Eager Elephant that your mailbox is full so I can't PM you .....
    Originally posted by blackcatsx2
    Sorry blackcats - I have deleted some messages now.
    Ninja Saving Turtle No. 34 for April
    NSD - 0/15
    (up to 2/4/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • beanielou
    • By beanielou 6th Jul 17, 9:39 PM
    • 53,955 Posts
    • 213,777 Thanks
    beanielou
    Blimey.
    My eyes are leaking.
    Thank you so much to yet more lovely people for your generosity of spirit & money.
    Means more than you know.
    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 6th Jul 17, 9:41 PM
    • 7,275 Posts
    • 35,701 Thanks
    brizzledfw
    Totally deserving of both. Oodles of it 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 7th Jul 17, 8:59 PM
    • 53,955 Posts
    • 213,777 Thanks
    beanielou
    Well.
    Today got two further quotes.
    1400 & 1500.
    So 880 now looking very good

    Had a spectacular fall today.
    Rather bruised & sore. Bah.
    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 7th Jul 17, 9:48 PM
    • 5,722 Posts
    • 37,428 Thanks
    Sun Addict
    Mr SA had a fall today too Hope you are not too badly affected.

    Woo hoo to door fund

    Mr SA used to get bad indigestion but since GP prescribed Omniprazole(??) has disappeared.
    Virtual Sealed Pot 2018 250.33
    Debt 2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund 2000/10,000
    • milann
    • By milann 8th Jul 17, 9:56 AM
    • 1,702 Posts
    • 7,941 Thanks
    milann
    Must be something in the air today with the falling Beanie - take care. Lol good Job we don't meet up as we'd look as if we'd had a punch up. Gentle hugs
    • doingitanyway
    • By doingitanyway 8th Jul 17, 10:14 PM
    • 3,025 Posts
    • 14,927 Thanks
    doingitanyway
    Sorry to hear about the fall. I hope you are okay.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • lucielle
    • By lucielle 8th Jul 17, 10:41 PM
    • 7,993 Posts
    • 34,191 Thanks
    lucielle
    Hope you're not badly bruised and take it easy.
    L
    Total Debt Dec 07 59875.83 Overdrafts 2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
    • beanielou
    • By beanielou 9th Jul 17, 2:32 PM
    • 53,955 Posts
    • 213,777 Thanks
    beanielou
    Thanks for the lovely wishes.
    I am quite sore & stuff but not as bad as yesterday
    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 10th Jul 17, 6:21 PM
    • 53,955 Posts
    • 213,777 Thanks
    beanielou
    Mr SA had a fall today too Hope you are not too badly affected.

    Woo hoo to door fund

    Mr SA used to get bad indigestion but since GP prescribed Omniprazole(??) has disappeared.
    Originally posted by Sun Addict

    Meant to say that I take this 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 10th Jul 17, 6:22 PM
    • 53,955 Posts
    • 213,777 Thanks
    beanielou
    It is very cold here today.
    I have socks & a fleece on.
    In July
    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 10th Jul 17, 10:08 PM
    • 53,955 Posts
    • 213,777 Thanks
    beanielou
    Fell yesterday too.
    Not great as still mending from the last time
    Bah is all.
    Hate hate hate these falling phases.
    Sorry for moaning.
    Ms Grumpy.

    Oh & divorce granted last week.
    Just to wait for the final paperwork.
    The end of an era in so many ways & so long overdue.
    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.
    • in need of direction
    • By in need of direction 11th Jul 17, 8:39 AM
    • 4,998 Posts
    • 28,764 Thanks
    in need of direction
    Don't be sorry, that's not moaning. Is there any value in going back to the falls clinic?
    Mortgage at 01.01.14 119,481.83 today 75,897.72, target 65,000 by 31/12/18 Offset fund today 227.27 target 5,500 by 31/12/18
    Emergency fund 0.7/5.5k & 200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 11th Jul 17, 9:46 AM
    • 53,955 Posts
    • 213,777 Thanks
    beanielou
    Don't be sorry, that's not moaning. Is there any value in going back to the falls clinic?
    Originally posted by in need of direction
    Sadly nothing they can do.
    Shrugs.
    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.
    • Upsidedown Bear
    • By Upsidedown Bear 11th Jul 17, 10:29 AM
    • 16,031 Posts
    • 77,876 Thanks
    Upsidedown Bear
    Smilie has suggested coming over and bringing some of this to wrap you in



    • in need of direction
    • By in need of direction 11th Jul 17, 2:06 PM
    • 4,998 Posts
    • 28,764 Thanks
    in need of direction
    that conjures up memories of the packing up for a house move episode of friends!
    Mortgage at 01.01.14 119,481.83 today 75,897.72, target 65,000 by 31/12/18 Offset fund today 227.27 target 5,500 by 31/12/18
    Emergency fund 0.7/5.5k & 200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 11th Jul 17, 6:04 PM
    • 3,025 Posts
    • 14,927 Thanks
    doingitanyway
    Smilie has suggested coming over and bringing some of this to wrap you in


    Originally posted by Upsidedown Bear
    Funny
    On a serious note, hoping your day was positive and upright today
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 11th Jul 17, 9:26 PM
    • 53,955 Posts
    • 213,777 Thanks
    beanielou
    Thank you to another kind & generous person who has kindly donated to the door fund.Appreciated more than you know
    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 Jul 17, 7:25 PM
    • 53,955 Posts
    • 213,777 Thanks
    beanielou
    Smilie has suggested coming over and bringing some of this to wrap you in


    Originally posted by Upsidedown Bear
    Could have done with this today.
    A spectacular fall this AM.
    So cheesed off.
    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.
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