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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 54,034Posts
    • 214,120Thanks
    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 194
    • doingitanyway
    • By doingitanyway 3rd Mar 18, 8:46 PM
    • 3,033 Posts
    • 15,025 Thanks
    doingitanyway
    Are the falls related to being tired? You seem to fall more on tired days...
    Anyway, hoping you are okay
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 3rd Mar 18, 9:01 PM
    • 54,034 Posts
    • 214,120 Thanks
    beanielou
    Are the falls related to being tired? You seem to fall more on tired days...
    Anyway, hoping you are okay
    Originally posted by doingitanyway
    This is true.
    & when my muscles seize up
    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 3rd Mar 18, 9:03 PM
    • 54,034 Posts
    • 214,120 Thanks
    beanielou
    Anyway none of this crap matters does it.
    Just had a phone call to say a dear friend has died suddenly.
    So treasure those you love & tell them you love them.
    Heaven will have another shining star tonight.
    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.
    • milann
    • By milann 3rd Mar 18, 10:00 PM
    • 1,703 Posts
    • 7,943 Thanks
    milann
    Oh Beanie I'm sorry about your friend.
    Things like being tired and falling do matter though - please take care of you.
    Thinking of you
    • Knit Witch
    • By Knit Witch 3rd Mar 18, 10:23 PM
    • 3,429 Posts
    • 31,296 Thanks
    Knit Witch
    Anyway none of this crap matters does it.
    Just had a phone call to say a dear friend has died suddenly.
    So treasure those you love & tell them you love them.
    Heaven will have another shining star tonight.
    Originally posted by beanielou
    So sorry to hear this
    V3ry - 389.60
    • abba1772
    • By abba1772 3rd Mar 18, 10:25 PM
    • 4,737 Posts
    • 16,283 Thanks
    abba1772
    Oh no beanie I'm so sorry to hear about your friend......you're in my thoughts 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 4152.74
    • in need of direction
    • By in need of direction 4th Mar 18, 12:23 AM
    • 5,000 Posts
    • 28,791 Thanks
    in need of direction
    my sympathies. you are quite right, we all need to value the important things, take care
    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.
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 4th Mar 18, 1:18 PM
    • 8,794 Posts
    • 51,401 Thanks
    please-let-me-be-lucky
    Sorry to hear about your friend . My thoughts are with you Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    NSDs achieved in 2018 26/60
    Best win so far - holiday to Florida
    • Karmacat
    • By Karmacat 4th Mar 18, 1:23 PM
    • 29,201 Posts
    • 166,749 Thanks
    Karmacat
    Sorry to hear about your friend, beanie my sympathies. I don't know why, I had a feeling something was up
    Retired August 2016
    • Sun Addict
    • By Sun Addict 4th Mar 18, 1:36 PM
    • 5,732 Posts
    • 37,504 Thanks
    Sun Addict
    So sorry to hear the sad news about your friend Beanie. Take care xx
    Virtual Sealed Pot 2018 250.33
    Debt 2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund 2000/10,000
    • brizzledfw
    • By brizzledfw 4th Mar 18, 1:59 PM
    • 7,275 Posts
    • 35,701 Thanks
    brizzledfw
    Hope Sunday is better for you and tomorrow even more so..

    Sending hugs xx
    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
    • lucielle
    • By lucielle 4th Mar 18, 6:22 PM
    • 7,994 Posts
    • 34,198 Thanks
    lucielle
    Sorry to hear the news about your friend.
    Take Care
    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
    • juliejim
    • By juliejim 4th Mar 18, 6:23 PM
    • 7,534 Posts
    • 151,234 Thanks
    juliejim
    Hugs Beanie x
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA 5500
    • Buffythedebtslayer
    • By Buffythedebtslayer 4th Mar 18, 6:31 PM
    • 15,163 Posts
    • 49,909 Thanks
    Buffythedebtslayer
    Sending you love Beanie, I am really really sorry. I know you might be alone but don't believe that you are. I am thinking of you XXXXXXXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 4th Mar 18, 7:01 PM
    • 54,034 Posts
    • 214,120 Thanks
    beanielou
    Sending you love Beanie, I am really really sorry. I know you might be alone but don't believe that you are. I am thinking of you XXXXXXXX
    Originally posted by Buffythedebtslayer
    Thank you Buffy xxx
    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 4th Mar 18, 7:03 PM
    • 54,034 Posts
    • 214,120 Thanks
    beanielou
    Oh Beanie I'm sorry about your friend.
    Things like being tired and falling do matter though - please take care of you.
    Thinking of you
    Originally posted by milann
    So sorry to hear this
    Originally posted by Knit Witch
    Oh no beanie I'm so sorry to hear about your friend......you're in my thoughts xx
    Originally posted by abba1772
    Thank you all.
    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.
    • beanielou
    • By beanielou 4th Mar 18, 7:04 PM
    • 54,034 Posts
    • 214,120 Thanks
    beanielou
    my sympathies. you are quite right, we all need to value the important things, take care
    Originally posted by in need of direction
    Sorry to hear about your friend . My thoughts are with you Xx
    Originally posted by please-let-me-be-lucky
    Sorry to hear about your friend, beanie my sympathies. I don't know why, I had a feeling something was up
    Originally posted by Karmacat
    Thank you all.
    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.
    • beanielou
    • By beanielou 4th Mar 18, 7:05 PM
    • 54,034 Posts
    • 214,120 Thanks
    beanielou
    So sorry to hear the sad news about your friend Beanie. Take care xx
    Originally posted by Sun Addict
    Hope Sunday is better for you and tomorrow even more so..

    Sending hugs xx
    Originally posted by brizzledfw
    Sorry to hear the news about your friend.
    Take Care
    L
    Originally posted by lucielle
    Thank you all.
    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.
    • beanielou
    • By beanielou 4th Mar 18, 7:06 PM
    • 54,034 Posts
    • 214,120 Thanks
    beanielou
    Hugs Beanie x
    Originally posted by juliejim
    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.
    • redofromstart
    • By redofromstart 4th Mar 18, 7:20 PM
    • 1,679 Posts
    • 10,082 Thanks
    redofromstart
    Sorry to read about your friend beanie, and you are so right about the trivial things not mattering
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