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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 55,533Posts
    • 222,956Thanks
    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 135
    • beanielou
    • By beanielou 13th Sep 17, 10:37 PM
    • 55,533 Posts
    • 222,956 Thanks
    beanielou
    Door hopefully in the next couple of weeks
    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.
    • Karmacat
    • By Karmacat 14th Sep 17, 10:57 AM
    • 29,469 Posts
    • 169,191 Thanks
    Karmacat
    Carrying on with maximum overpayments sounds pretty good to me
    Retired August 2016
    • doingitanyway
    • By doingitanyway 14th Sep 17, 8:07 PM
    • 3,144 Posts
    • 16,493 Thanks
    doingitanyway
    it is great that your mortgage allows overpayments. Sometimes I could overpay a little more and other times I couldn't. Just overpay what you can. That's what I did and every little counts. I still got MF in the end
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 14th Sep 17, 8:29 PM
    • 55,533 Posts
    • 222,956 Thanks
    beanielou
    it is great that your mortgage allows overpayments. Sometimes I could overpay a little more and other times I couldn't. Just overpay what you can. That's what I did and every little counts. I still got MF in the end
    Originally posted by doingitanyway
    Yes you are right
    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 14th Sep 17, 8:38 PM
    • 5,926 Posts
    • 39,286 Thanks
    Sun Addict
    Great news the doors are imminent Re the overpayments, if you shave a few months off the term that's fabulous, it all helps.
    Virtual Sealed Pot 2018 £296.07
    Debt £2300
    Weight loss 1/6LBS
    Emergency Fund £4000/£10,000
    • beanielou
    • By beanielou 15th Sep 17, 8:11 PM
    • 55,533 Posts
    • 222,956 Thanks
    beanielou
    Great news the doors are imminent Re the overpayments, if you shave a few months off the term that's fabulous, it all helps.
    Originally posted by Sun Addict
    It does.
    A tiny additional OP made today to take me down into the next thousand

    Have a great weekend all
    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 15th Sep 17, 9:28 PM
    • 5,926 Posts
    • 39,286 Thanks
    Sun Addict
    Have a fab weekend Beanie, great news you're down to the next thousand xx
    Virtual Sealed Pot 2018 £296.07
    Debt £2300
    Weight loss 1/6LBS
    Emergency Fund £4000/£10,000
    • beanielou
    • By beanielou 15th Sep 17, 9:38 PM
    • 55,533 Posts
    • 222,956 Thanks
    beanielou
    Have a fab weekend Beanie, great news you're down to the next thousand xx
    Originally posted by Sun Addict
    Thanks SA
    You too 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.
    • michelle09
    • By michelle09 16th Sep 17, 7:48 AM
    • 790 Posts
    • 4,416 Thanks
    michelle09
    New doors are wonderful! Hope it all goes smoothly.
    • Karmacat
    • By Karmacat 16th Sep 17, 10:40 AM
    • 29,469 Posts
    • 169,191 Thanks
    Karmacat
    From me too, hope its all up-and-up for you
    Retired August 2016
    • in need of direction
    • By in need of direction 16th Sep 17, 11:19 AM
    • 5,139 Posts
    • 29,983 Thanks
    in need of direction
    I love when my mortgage moves to a new thousand.
    Mortgage at 01.01.14 £119,481.83 today £74,745.76, target £65,000 by 31/12/18 Offset fund today £297.27 target £5,500 by 31/12/18
    Emergency fund £0.2/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 16th Sep 17, 2:40 PM
    • 55,533 Posts
    • 222,956 Thanks
    beanielou
    New doors are wonderful! Hope it all goes smoothly.
    Originally posted by michelle09
    Thank you

    Thank you for popping in

    From me too, hope its all up-and-up for you
    Originally posted by Karmacat
    Thank you Karmcat.

    I love when my mortgage moves to a new thousand.
    Originally posted by in need of direction
    Great feeling isent it

    Squeeky for the rest of the month.
    Nothing I need hopefully though.
    DS's bday near end of the month~~do you think he might forget
    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 16th Sep 17, 11:09 PM
    • 5,139 Posts
    • 29,983 Thanks
    in need of direction
    Only if he's sufficiently distracted by the airborne pigs.
    Mortgage at 01.01.14 £119,481.83 today £74,745.76, target £65,000 by 31/12/18 Offset fund today £297.27 target £5,500 by 31/12/18
    Emergency fund £0.2/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 17th Sep 17, 8:10 PM
    • 55,533 Posts
    • 222,956 Thanks
    beanielou
    Only if he's sufficiently distracted by the airborne pigs.
    Originally posted by in need of direction

    I live in hope
    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 17th Sep 17, 8:12 PM
    • 55,533 Posts
    • 222,956 Thanks
    beanielou
    A close family member is hopefully flying to Europe with the carrier from hell tomorrow. Really hope does not get cancelled tomorrow.
    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 17th Sep 17, 8:44 PM
    • 5,926 Posts
    • 39,286 Thanks
    Sun Addict
    Someone at work is meant to be flying with them tomorrow too. Flown with them twice, first time was fine, second time they made me empty everything out of my hand luggage and put the empty bag in the hold "at no charge". So took the contents on the plane but just not in a bag!!!!

    Can't beat Jet2 in my opinion.
    Virtual Sealed Pot 2018 £296.07
    Debt £2300
    Weight loss 1/6LBS
    Emergency Fund £4000/£10,000
    • beanielou
    • By beanielou 17th Sep 17, 8:53 PM
    • 55,533 Posts
    • 222,956 Thanks
    beanielou
    I agree they are not the best.
    Only carrier that fly direct from Edinburgh to Marsaille 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.
    • in need of direction
    • By in need of direction 18th Sep 17, 9:04 AM
    • 5,139 Posts
    • 29,983 Thanks
    in need of direction
    They aren't great but I will probably still take advantage if they launch a major sale to recover from this.
    Mortgage at 01.01.14 £119,481.83 today £74,745.76, target £65,000 by 31/12/18 Offset fund today £297.27 target £5,500 by 31/12/18
    Emergency fund £0.2/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Butti
    • By Butti 18th Sep 17, 6:42 PM
    • 4,654 Posts
    • 12,513 Thanks
    Butti
    I'm coming back from Tenerife with them so if they cancel I'll just have to stay there! The hardship !!!128514;
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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
    • beanielou
    • By beanielou 18th Sep 17, 8:47 PM
    • 55,533 Posts
    • 222,956 Thanks
    beanielou
    I'm coming back from Tenerife with them so if they cancel I'll just have to stay there! The hardship !!!128514;
    Originally posted by Butti
    You hope
    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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