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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 53,923Posts
    • 213,415Thanks
    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 199
    • ZTD
    • By ZTD 10th Mar 18, 11:01 AM
    • 23,730 Posts
    • 42,865 Thanks
    ZTD
    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 ...
    Originally posted by Karmacat
    You'd be surprised how often people rely on that reaction, but what I always try to do, is to estimate things, and to scale them into stuff I can "feel". So when we have figures, and the audience all going "Ooh! Numbers!" there's a lone voice at the back (mine) going "But that's bollox..." That's why I scaled Beanie's reading into the heat given by electric fires.

    The widest margin I can remember between expectations and the numbers was a Physics calculation involving almost a couple of moles of carbon. I was expecting somewhere in to 20-25g area. The teacher came out with a figure somewhere about the mass of the Moon.

    Don't multiply by Avagadro's constant twice - it is big, but it's not clever...
    "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'
    • mummytogirls
    • By mummytogirls 10th Mar 18, 6:31 PM
    • 6,164 Posts
    • 22,538 Thanks
    mummytogirls
    Phew to the gas bill Beanie!!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • Cumbria lass
    • By Cumbria lass 11th Mar 18, 6:35 PM
    • 1,787 Posts
    • 10,711 Thanks
    Cumbria lass
    i have been reading my smart meters everyday Beanie. It hasn't been so bad here but I have used lots of heat.
    CC1 £3655 April 2018.
    • beanielou
    • By beanielou 11th Mar 18, 7:23 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    CL~~No smart meters here.
    Have to read myself.
    But never again in the dark with a torch
    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 11th Mar 18, 7:26 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    The foodbank were showing "I, Daniel Blake" last night.
    Went along with a couple of chums.
    Managed not to shout at the screen but did cry.A lot.
    I had such a lump in my throat.
    The reality of life for so many.
    Dont let anyone tell you its not true.
    Oh it is.It is.
    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 11th Mar 18, 7:28 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    Bubbles ~~ Big big thanks for the parcel.
    I have used it already & I may have eaten an egg already
    So appreciated xxx
    I never fail to be bowled over by the sheer kindness of people on MSE.
    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 11th Mar 18, 7:55 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    Nearly time for the last Call The Midwife of the series.
    That has been so quick.

    Crying already.
    Last edited by beanielou; 11-03-2018 at 8:04 PM.
    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 11th Mar 18, 8:03 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    So accapuncture tomorrow.
    Will see how that goes.

    Hair cut Tuesday.
    Not been cut since before Christmas and it is truely dire.
    I have a wet cut as it is cheaper..Bring it on.
    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 11th Mar 18, 8:43 PM
    • 29,172 Posts
    • 166,495 Thanks
    Karmacat
    Oh beanie! When I cry at something on tv, it often makes me quite tired, even if it feels right ... make sure you're okay.
    Retired August 2016
    • beanielou
    • By beanielou 11th Mar 18, 8:48 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    Oh beanie! When I cry at something on tv, it often makes me quite tired, even if it feels right ... make sure you're okay.
    Originally posted by Karmacat
    Yes, thanks.
    Been an emotional few days what with one thing and another.

    Other news is that I have an orange smarties Easter egg
    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 12th Mar 18, 12:16 AM
    • 4,994 Posts
    • 28,751 Thanks
    in need of direction
    Hadn't realised it was the last of the midwives. A true tearfest for me and dd
    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.
    • Bubblesmum
    • By Bubblesmum 12th Mar 18, 9:15 AM
    • 1,074 Posts
    • 6,263 Thanks
    Bubblesmum
    Bubbles ~~ Big big thanks for the parcel.
    I have used it already & I may have eaten an egg already
    So appreciated xxx
    I never fail to be bowled over by the sheer kindness of people on MSE.
    Originally posted by beanielou
    My pleasure, your lovely words have cheered me up this morning x
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • edinburgher
    • By edinburgher 12th Mar 18, 9:48 AM
    • 11,118 Posts
    • 59,698 Thanks
    edinburgher
    I was told off for not being serious enough during the funeral scenes
    • michelle09
    • By michelle09 12th Mar 18, 3:01 PM
    • 777 Posts
    • 4,277 Thanks
    michelle09
    The Easter egg sounds awesome. Have made the annual Easter Monday pact with OH to get some cheap.
    • Butti
    • By Butti 12th Mar 18, 3:53 PM
    • 4,620 Posts
    • 12,380 Thanks
    Butti
    The foodbank were showing "I, Daniel Blake" last night.
    Went along with a couple of chums.
    Managed not to shout at the screen but did cry.A lot.
    I had such a lump in my throat.
    The reality of life for so many.
    Dont let anyone tell you its not true.
    Oh it is.It is.
    Originally posted by beanielou
    The guy sitting next to me tried to tell me just that. Would not listen to reason either.
    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
    • milann
    • By milann 12th Mar 18, 6:18 PM
    • 1,702 Posts
    • 7,933 Thanks
    milann
    Well done on the weight loss.
    Can you re-read and re-submit your reading?
    Hooray for smartie eggs
    • beanielou
    • By beanielou 12th Mar 18, 7:37 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    Meter reading now resubmitted & things sorted.
    I owe them £577 & not £1,500.
    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 12th Mar 18, 7:39 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    Also I have been for my accapuncure & feel like a new woman
    Well, on one side anyway
    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.
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 12th Mar 18, 7:59 PM
    • 8,793 Posts
    • 51,348 Thanks
    please-let-me-be-lucky
    Glad the acupuncture has helped and meter readings have been sorted Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 26/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 12th Mar 18, 8:26 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    Not too long to Florida Lucky?
    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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