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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 55,428Posts
    • 222,250Thanks
    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 133
    • beanielou
    • By beanielou 7th Sep 17, 3:05 PM
    • 55,428 Posts
    • 222,250 Thanks
    beanielou
    EH~~Tis funny as car does not seem big to drive yet must be just about double the length of my old one
    Have not attempted as yet to do on street parking
    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.
    • ZTD
    • By ZTD 7th Sep 17, 7:39 PM
    • 23,730 Posts
    • 42,868 Thanks
    ZTD
    EH~~Tis funny as car does not seem big to drive yet must be just about double the length of my old one
    Originally posted by beanielou
    It's because virtually all the extra length is behind you and follows on nicely. Things will change when you reverse...

    Have not attempted as yet to do on street parking
    Originally posted by beanielou
    The mirrors are pretty good, so it's relatively easy. Just be careful of the A-pillars - you can lose half a marching band behind those...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 7th Sep 17, 9:12 PM
    • 55,428 Posts
    • 222,250 Thanks
    beanielou
    My reversing has never been my strong suit.
    I cant really explain it.
    I can reverse into my drive but i cannot reverse into a parking space on the street. Only me
    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 7th Sep 17, 9:30 PM
    • 55,428 Posts
    • 222,250 Thanks
    beanielou
    I hid my smarties in such a safe place I cant find them
    I am having withdrawal symptoms
    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 7th Sep 17, 9:37 PM
    • 16,031 Posts
    • 77,876 Thanks
    Upsidedown Bear
    Bear~~thank you.
    So lovely to see you.
    Hope all well in your world.
    Have missed you
    Originally posted by beanielou
    Sorry I haven't been on MSE much lately.

    Missing smarties you say? I think someone made them into a cake





    • ZTD
    • By ZTD 7th Sep 17, 9:41 PM
    • 23,730 Posts
    • 42,868 Thanks
    ZTD
    My reversing has never been my strong suit.
    I cant really explain it.
    I can reverse into my drive but i cannot reverse into a parking space on the street. Only me
    Originally posted by beanielou
    I can reverse using mirrors, but if I turn around and look I get confused...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 7th Sep 17, 10:10 PM
    • 55,428 Posts
    • 222,250 Thanks
    beanielou
    Sorry I haven't been on MSE much lately.

    Missing smarties you say? I think someone made them into a cake




    Originally posted by Upsidedown Bear
    Great to see you.
    Thats what happened to my smarties

    Fell earlier.
    Pain kicking in now.
    Hey ho.
    Would be fab to have a week without falling once.
    If only
    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 7th Sep 17, 10:18 PM
    • 16,031 Posts
    • 77,876 Thanks
    Upsidedown Bear
    Great to see you.
    Thats what happened to my smarties

    Fell earlier.
    Pain kicking in now.
    Hey ho.
    Would be fab to have a week without falling once.
    If only
    Originally posted by beanielou


    Smilie says he's going to come over with some bubble wrap for you.
    Do you want white or pink?





    • beanielou
    • By beanielou 7th Sep 17, 10:19 PM
    • 55,428 Posts
    • 222,250 Thanks
    beanielou
    Smilie is a wee star
    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.
    • Betterthanever
    • By Betterthanever 7th Sep 17, 10:37 PM
    • 526 Posts
    • 3,607 Thanks
    Betterthanever
    Ooooh.... caaaaaake!

    Current balance 112,593.71. Offset 2,677.73. 109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay 600
    Make 2018 in 2018 = 406.75/2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • brizzledfw
    • By brizzledfw 8th Sep 17, 3:35 PM
    • 7,267 Posts
    • 35,711 Thanks
    brizzledfw
    And what a cake ....

    hope you find the smarties Beanie
    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 8th Sep 17, 6:53 PM
    • 55,428 Posts
    • 222,250 Thanks
    beanielou
    You will never guess where I found the smarties.











    In the boot of the car
    Put there by a certain DS
    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 8th Sep 17, 8:28 PM
    • 55,428 Posts
    • 222,250 Thanks
    beanielou
    Not even 8.30 & it is dark
    & not exactly warm either
    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.
    • ZTD
    • By ZTD 8th Sep 17, 9:20 PM
    • 23,730 Posts
    • 42,868 Thanks
    ZTD
    Fell earlier.
    Pain kicking in now.
    Hey ho.
    Would be fab to have a week without falling once.
    If only
    Originally posted by beanielou


    You're going to have to stop that. Or we shall Take Measures (TM)...



    You will never guess where I found the smarties.

    In the boot of the car
    Put there by a certain DS
    Originally posted by beanielou
    He's trying to cut down on your brightly-coloured tablet habit...

    Not even 8.30 & it is dark
    & not exactly warm either
    Originally posted by beanielou
    There's been a number of reports around the world of it getting cold early for winter. It has been somewhat cold and very rainy here.

    Hopefully it'll be like last winter, where the southerners got all the bad weather...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • Sun Addict
    • By Sun Addict 8th Sep 17, 9:24 PM
    • 5,910 Posts
    • 39,153 Thanks
    Sun Addict
    Since Mr SA got his scooter his mobility has got worse, so personally I would say try and hold off as long as you can. However, if you would feel safer then go ahead. Not liking the nights drawing in
    Virtual Sealed Pot 2018 296.07
    Debt 2300
    Weight loss 1/6LBS
    Emergency Fund 4000/10,000
    • Karmacat
    • By Karmacat 9th Sep 17, 2:58 PM
    • 29,424 Posts
    • 168,826 Thanks
    Karmacat
    Good grief, the weather man just mentioned a touch of ground frost!!! And the heavens just opened I disapprove, generally speaking.
    Retired August 2016
    • beanielou
    • By beanielou 9th Sep 17, 9:21 PM
    • 55,428 Posts
    • 222,250 Thanks
    beanielou
    Dear Z.
    Please may I have your thoughts on something similar to this.
    Thank you

    http://www.ebay.co.uk/itm/Style-4mph-Portable-Travel-Car-Boot-Mobility-Scooter-4-Wheel-Shopping/381393043480?_trksid=p2485497.m4902.l9144

    Anyone else any experience of anything similar? Thanks.
    Wont be at the moment but trying to gather my thoughts together.
    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.
    • beanielou
    • By beanielou 9th Sep 17, 9:52 PM
    • 55,428 Posts
    • 222,250 Thanks
    beanielou
    Watching The Last Night at the Proms & resisting raspberry gin!!
    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.
    • Betterthanever
    • By Betterthanever 9th Sep 17, 10:39 PM
    • 526 Posts
    • 3,607 Thanks
    Betterthanever
    I had the gin while singing away!

    Current balance 112,593.71. Offset 2,677.73. 109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay 600
    Make 2018 in 2018 = 406.75/2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • ZTD
    • By ZTD 9th Sep 17, 10:48 PM
    • 23,730 Posts
    • 42,868 Thanks
    ZTD
    Originally posted by beanielou
    Well first I would say the VAT exemption is important. A fifth off is a big chunk of change.

    I also notice the "12Ah Battery Pack: 9.2kgs (20.2lbs)" - smells like lead-acid battery to me. That's pretty heavy, I don't care about the "Removable battery pack with easy to carry handle and locking mechanism" - 20 lbs is still pretty heavy.

    How are you going to be using this? Are you expecting to be able to get it in and out of your car? It's looking pretty heavy for that. Even taking the weight of the various other bits off, the base is looking approx 50lb weight.

    It is cheap though - I'll give it that (I have no idea why they're so expensive!). Have you thought about second-hand?
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
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