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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 54,069Posts
    • 214,286Thanks
    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 201
    • JAMIEDODGER
    • By JAMIEDODGER 14th Mar 18, 12:04 PM
    • 4,271 Posts
    • 18,685 Thanks
    JAMIEDODGER
    Ooh I love the feeling after a haircut

    I was heavily pregnant with DS1 when I heard about the Dunblane massacre. Still sends shivers up my spine
    #82 12k in 2018 - 3473.45/12000 - 28.95%
    Retirement Fund 10850.02/250000 - 4.34%
    House Fund 2679.13/50000 - 5.36%
    Travel Fund 199.49/2500 - 7.98%
    • gallygirl
    • By gallygirl 14th Mar 18, 8:57 PM
    • 16,589 Posts
    • 109,549 Thanks
    gallygirl
    Did you see this in the US? 7,000 children killed by guns in the US in the last 6 years (actually, just over 5 years) . But obviously gun control isn't the answer.............
    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"
    • beanielou
    • By beanielou 14th Mar 18, 8:59 PM
    • 54,069 Posts
    • 214,286 Thanks
    beanielou
    Did you see this in the US? 7,000 children killed by guns in the US in the last 6 years (actually, just over 5 years) . But obviously gun control isn't the answer.............
    Originally posted by gallygirl
    I did
    As you say obviously gun control is not the answer...........
    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 14th Mar 18, 9:18 PM
    • 54,069 Posts
    • 214,286 Thanks
    beanielou
    I need to eat a frog.
    Once I get started it hopefully wont take toooooo long.
    The problem is that I will have to sit on to do it.
    I am so not looking forward to 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 14th Mar 18, 10:43 PM
    • 54,069 Posts
    • 214,286 Thanks
    beanielou
    I will eat my frog 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.
    • ZTD
    • By ZTD 14th Mar 18, 11:52 PM
    • 23,730 Posts
    • 42,865 Thanks
    ZTD
    I will eat my frog tomorrow!!
    Originally posted by beanielou
    You don't want us to nag now, do you?
    "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'
    • in need of direction
    • By in need of direction 15th Mar 18, 7:30 AM
    • 5,002 Posts
    • 28,797 Thanks
    in need of direction
    Who knows, it may turn out to be a replica chocolate frog that will leave a nice taste.
    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.
    • GerardLSwearingen
    • By GerardLSwearingen 15th Mar 18, 7:45 AM
    • 1 Posts
    • 3 Thanks
    GerardLSwearingen
    Hi, I'm looking for some advice on the following, i am new blogger and i want to create anti spam forum
    plz give some advice
    • beanielou
    • By beanielou 15th Mar 18, 10:15 AM
    • 54,069 Posts
    • 214,286 Thanks
    beanielou
    Who knows, it may turn out to be a replica chocolate frog that will leave a nice taste.
    Originally posted by in need of direction
    I can only wish
    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 15th Mar 18, 10:59 AM
    • 54,069 Posts
    • 214,286 Thanks
    beanielou
    I got a You Gov survey

    Getting very windy here.

    Must get on~~things to do, people to see, frogs to eat..............
    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.
    • edinburgher
    • By edinburgher 15th Mar 18, 11:05 AM
    • 11,124 Posts
    • 59,707 Thanks
    edinburgher
    Hi, I'm looking for some advice on the following, i am new blogger and i want to create anti spam forum
    plz give some advice
    Originally posted by GerardLSwearingen
    Stop spamming forums!
    • beanielou
    • By beanielou 15th Mar 18, 12:03 PM
    • 54,069 Posts
    • 214,286 Thanks
    beanielou
    Stop spamming forums!
    Originally posted by edinburgher
    Love 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 15th Mar 18, 12:05 PM
    • 54,069 Posts
    • 214,286 Thanks
    beanielou
    First frog of day done
    Quote given & I asked if that was the bottom price so got another 10% off. Go me
    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 15th Mar 18, 12:06 PM
    • 54,069 Posts
    • 214,286 Thanks
    beanielou
    So I am going to do the second frog before my lunch

    & make a phone call.
    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 15th Mar 18, 2:02 PM
    • 1,703 Posts
    • 7,943 Thanks
    milann
    Hope those frogs are getting eaten and leaving a sweet taste !!!128077;
    • beanielou
    • By beanielou 15th Mar 18, 3:50 PM
    • 54,069 Posts
    • 214,286 Thanks
    beanielou
    I am chuffed with myself
    All accounts for 17 - 18 transferred into new lever arch file which will not break before year end. Pretty please.
    All said charity accounts finally up to date & they finally balance too.
    So only the stuff for the rest of March to go
    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 15th Mar 18, 3:52 PM
    • 54,069 Posts
    • 214,286 Thanks
    beanielou
    Considering I did an accounting role way back in an other life time & I am so bad at doing them now I am blooming well chuffed with myself
    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 15th Mar 18, 3:57 PM
    • 1,703 Posts
    • 7,943 Thanks
    milann
    Sounds like a busy and productive day
    • beanielou
    • By beanielou 15th Mar 18, 3:59 PM
    • 54,069 Posts
    • 214,286 Thanks
    beanielou
    Sounds like a busy and productive day
    Originally posted by milann
    It was
    Really pleased.
    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.
    • maddiemay
    • By maddiemay 15th Mar 18, 4:37 PM
    • 3,467 Posts
    • 31,775 Thanks
    maddiemay
    Well done with those frogs, I have actually made the 3 phone calls on my list for today and it was the first day they had been listed
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