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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 54,098Posts
    • 214,474Thanks
    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 198
    • Karmacat
    • By Karmacat 9th Mar 18, 9:15 AM
    • 29,216 Posts
    • 166,917 Thanks
    Karmacat
    Aww, thats good, beanie. Take your wins where you find them
    Retired August 2016
    • abba1772
    • By abba1772 9th Mar 18, 12:26 PM
    • 4,737 Posts
    • 16,291 Thanks
    abba1772
    Well done on the weight loss 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
    • doingitanyway
    • By doingitanyway 9th Mar 18, 7:02 PM
    • 3,041 Posts
    • 15,072 Thanks
    doingitanyway
    Great news on the weight loss

    Wishing you a restful weekend
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 9th Mar 18, 7:36 PM
    • 54,098 Posts
    • 214,474 Thanks
    beanielou
    Fluck, fluck, fluck.
    I have just submitted my gas meter readings and they are huge.
    The website said they are very different to what they were expecting.
    I feel sick.
    I cannot have the DD going up by much but I cant be cold either.
    I am doomed.
    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 9th Mar 18, 8:01 PM
    • 23,730 Posts
    • 42,865 Thanks
    ZTD
    Are you eligible for the cold-weather payments?
    "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'
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 9th Mar 18, 8:04 PM
    • 8,801 Posts
    • 51,440 Thanks
    please-let-me-be-lucky
    Will you be getting the Warm Homes Discount? They may not change your DD based on that? Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 26/60
    Best win so far - holiday to Florida
    • Sun Addict
    • By Sun Addict 9th Mar 18, 8:13 PM
    • 5,741 Posts
    • 37,582 Thanks
    Sun Addict
    I think we'll all be shocked by our fuel bills this time. It's been a long cold winter.

    Well done on the weight loss
    Virtual Sealed Pot 2018 £250.33
    Debt £2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund £2000/£10,000
    • beanielou
    • By beanielou 9th Mar 18, 8:16 PM
    • 54,098 Posts
    • 214,474 Thanks
    beanielou
    This is truely dire.
    I surely cannot have used 50186 khw in 3 months??
    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 Mar 18, 8:17 PM
    • 54,098 Posts
    • 214,474 Thanks
    beanielou
    Should get warm home discount.
    Not eligible for cold weather payments as dont get a qualifying discount.
    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 9th Mar 18, 8:37 PM
    • 23,730 Posts
    • 42,865 Thanks
    ZTD
    This is truely dire.
    I surely cannot have used 50186 khw in 3 months??
    Originally posted by beanielou
    I think you may have misread something.

    Three months = (approx) 93 days = 2232 hours

    50186 KWh over 2232 hours = 22 KW.


    That's a metric shit-ton of power.


    Approx 22 one-bar electric fires operating continuously (24 hours) for 3 months?
    "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'
    • ZTD
    • By ZTD 9th Mar 18, 8:47 PM
    • 23,730 Posts
    • 42,865 Thanks
    ZTD
    In fact, I think that's hovering quite close to your 100 A main fuse rating (about 96A).

    Not plausible.

    Are you sure you've read everything properly?
    "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'
    • ZTD
    • By ZTD 9th Mar 18, 8:59 PM
    • 23,730 Posts
    • 42,865 Thanks
    ZTD
    If you have read everything right - then you probably need to look for a gas leak.
    "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 9th Mar 18, 9:10 PM
    • 54,098 Posts
    • 214,474 Thanks
    beanielou
    In fact, I think that's hovering quite close to your 100 A main fuse rating (about 96A).

    Not plausible.

    Are you sure you've read everything properly?
    Originally posted by ZTD
    I thought I had but it was dark, I had a torch & it was at a bad angle

    I thought I was going to have a stroke
    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 Mar 18, 9:11 PM
    • 54,098 Posts
    • 214,474 Thanks
    beanielou
    Jeez, I need a gin.
    But I dont drink on my own.
    Just a well
    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.
    • Butti
    • By Butti 9th Mar 18, 9:22 PM
    • 4,620 Posts
    • 12,381 Thanks
    Butti
    I love Zed. He is brilliant.

    Beanie, you've made me laugh bless you.
    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 9th Mar 18, 9:25 PM
    • 54,098 Posts
    • 214,474 Thanks
    beanielou
    I love Zed. He is brilliant.

    Beanie, you've made me laugh bless you.
    Originally posted by Butti
    Glad to be of service Butti

    Never mind an emmergency fund I would have needed a mortgage to pay that ogg
    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 Mar 18, 9:26 PM
    • 54,098 Posts
    • 214,474 Thanks
    beanielou
    Watching DIY SOS Butti.
    Puts it all into prespective.
    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 9th Mar 18, 9:41 PM
    • 23,730 Posts
    • 42,865 Thanks
    ZTD
    I thought I had but it was dark, I had a torch & it was at a bad angle
    Originally posted by beanielou
    ...and the wheely chair was rocking...and the strippers were on the telly...

    I thought I was going to have a stroke
    Originally posted by beanielou
    So would I...thousands of kilowatts is megawatts, and that's way out of the domestic setting and playing with the big boys at that point.

    Jeez, I need a gin.
    But I dont drink on my own.
    Just a well
    Originally posted by beanielou
    You not got your cat drinking gin yet then?

    I love Zed. He is brilliant.
    Originally posted by Butti
    Aww...fank you very much...

    Beanie, you've made me laugh bless you.
    Originally posted by Butti
    And hopefully everyone now knows not to read the meter in the dark...
    "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'
    • gallygirl
    • By gallygirl 9th Mar 18, 10:42 PM
    • 16,589 Posts
    • 109,553 Thanks
    gallygirl
    Oh jeez I'm glad I missed the drama. Glad all's well and SuperZ has put his underpants over his tights and saved the day .

    Though if I had been here I'd have joined you in a gin .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • Karmacat
    • By Karmacat 10th Mar 18, 10:27 AM
    • 29,216 Posts
    • 166,917 Thanks
    Karmacat
    Blimey! Z, you're a star! Well done - practical doojiggery is whats needed at a time like that. Those numbers would've been a blur to me ...
    Retired August 2016
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