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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 55,063Posts
    • 220,014Thanks
    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 180
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Feb 18, 6:18 PM
    • 4,426 Posts
    • 30,731 Thanks
    HairyHandofDartmoor
    I expect the yoga did you good. I always used to find it relaxing.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 7th Feb 18, 6:23 PM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    I expect the yoga did you good. I always used to find it relaxing.
    Originally posted by HairyHandofDartmoor
    Not so much relaxing as a neccessary evil.
    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.
    • doingitanyway
    • By doingitanyway 7th Feb 18, 10:04 PM
    • 3,062 Posts
    • 15,901 Thanks
    doingitanyway
    Well done on frog eating and on going back to yoga
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 7th Feb 18, 10:07 PM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    Well done on frog eating and on going back to yoga
    Originally posted by doingitanyway
    Thanks
    I have been at my chair class but first time at ordinary class.
    Can feel it
    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 Feb 18, 9:38 AM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    So.
    After much worrying & deliberating I have worked out that if I can get through to the end of the year that I will be in a much much better financial position.
    That is only 10 months.
    Please remind me of this when I am having a down day!
    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 8th Feb 18, 9:55 AM
    • 29,312 Posts
    • 167,876 Thanks
    Karmacat
    Oh thats good, beanie! Do you do bits and bobs to help, like yougov and SB? Just for the frills ...
    Retired August 2016
    • beanielou
    • By beanielou 8th Feb 18, 11:50 AM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    You Gov is currently not my friend Kc.
    Lucky if I get a couple of surveys a month.
    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 Feb 18, 2:03 PM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    Not in the best mood.
    Fell in a great muddy puddle so was covered in mud & I have jerked my shoulder. Bah.
    Am as wobbly as hell today.
    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 Feb 18, 2:05 PM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    Anyway.
    So I am thinking of selling my engagement ring.
    Any thoughts on the best way to go about it?
    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.
    • abba1772
    • By abba1772 8th Feb 18, 2:38 PM
    • 4,810 Posts
    • 16,736 Thanks
    abba1772
    Hope you're ok after your fall and that your shoulder isn't bothering you too much xx

    As for your engagement ring best thing is to get quotes from jewellery shops that purchase jerwellery so you know how much it's worth xx
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 4430.14
    • beanielou
    • By beanielou 8th Feb 18, 3:27 PM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    Hope you're ok after your fall and that your shoulder isn't bothering you too much xx

    As for your engagement ring best thing is to get quotes from jewellery shops that purchase jerwellery so you know how much it's worth xx
    Originally posted by abba1772

    Thanks Abba
    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.
    • doingitanyway
    • By doingitanyway 8th Feb 18, 5:44 PM
    • 3,062 Posts
    • 15,901 Thanks
    doingitanyway
    Make sure you get the going rate Beanie
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Karmacat
    • By Karmacat 8th Feb 18, 8:50 PM
    • 29,312 Posts
    • 167,876 Thanks
    Karmacat
    Anyway.
    So I am thinking of selling my engagement ring.
    Any thoughts on the best way to go about it?
    Originally posted by beanielou
    Let your fingers do the walking first, beanie - I happened to check out what a local jewellery shop would charge for an insurance appraisal, and I was really shocked at the price - I think you need to go somewhere competitive for that kind of thing - not your equivalent of my tiny little 30,000-people town.
    Retired August 2016
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Feb 18, 8:57 PM
    • 4,426 Posts
    • 30,731 Thanks
    HairyHandofDartmoor
    So.
    After much worrying & deliberating I have worked out that if I can get through to the end of the year that I will be in a much much better financial position.
    That is only 10 months.
    Please remind me of this when I am having a down day!
    Originally posted by beanielou
    That's brilliant beanie

    Not in the best mood.
    Fell in a great muddy puddle so was covered in mud & I have jerked my shoulder. Bah.
    Am as wobbly as hell today.
    Originally posted by beanielou
    Sorry about your fall, hope your shoulder isn't sore for too long
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Buffythedebtslayer
    • By Buffythedebtslayer 8th Feb 18, 9:12 PM
    • 15,178 Posts
    • 50,237 Thanks
    Buffythedebtslayer
    So.
    After much worrying & deliberating I have worked out that if I can get through to the end of the year that I will be in a much much better financial position.
    That is only 10 months.
    Please remind me of this when I am having a down day!
    Originally posted by beanielou
    That is excellent news. I have been doing some worrying and deliberating myself, nice to get it sorted and fantastic in your case that you will be in a better position.

    Anyway.
    So I am thinking of selling my engagement ring.
    Any thoughts on the best way to go about it?
    Originally posted by beanielou
    I am sure one of our mutual friends knows about jewellery. Just cannot remember who......

    I would think get an online price, get a couple of jewellers to value it and go from there. But I really don't know
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Cumbria lass
    • By Cumbria lass 9th Feb 18, 9:22 PM
    • 1,910 Posts
    • 11,620 Thanks
    Cumbria lass
    Thank you Beanie for your information on my skin cancer , I am having mohs surgery which doesn't look so bad.

    Hope your shoulder is ok after your tumble. We have a couple of pawnbrokers near me that also buy jewelry , I got a good price for a ring from them.
    CC1 3475 May 2018
    • beanielou
    • By beanielou 9th Feb 18, 9:33 PM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    Thanks Cumbria Lass
    You take care.
    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 Feb 18, 9:35 PM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    In other news, I got a YOu Gov survey today
    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 9th Feb 18, 9:45 PM
    • 5,847 Posts
    • 38,636 Thanks
    Sun Addict
    I sold my jewellery to Hatton Garden Jewellers, got a good price. Got the address from this website.

    Sorry to hear you had another fall
    Virtual Sealed Pot 2018 296.07
    Debt 2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund 2000/10,000
    • beanielou
    • By beanielou 10th Feb 18, 3:01 PM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    Well it is 3pm & I am still in my PJ's.
    I really really need to get some for the weekend as I do nothing is there is nothing planned.
    Am pondering wether to buy another soup maker.
    Will ponder further & if I am look for a deal.
    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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