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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 54,098Posts
    • 214,493Thanks
    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 218
    • beanielou
    • By beanielou 10th Apr 18, 9:46 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    The accapuncture helps release some of the muscles which means I stand up a wee bit straighter which is good
    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 Apr 18, 11:55 AM
    • 29,216 Posts
    • 166,924 Thanks
    Karmacat
    That sounds good, beanie, glad to hear it.
    Retired August 2016
    • beanielou
    • By beanielou 11th Apr 18, 1:24 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    That sounds good, beanie, glad to hear it.
    Originally posted by Karmacat
    Yes it is indeed good
    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 Apr 18, 7:45 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    In other news I have had my odd job man round.
    My wooden conservatory has a hole on one bit of it because the wood has started to rot. It is slightly worse than I thought but anyway it needs to be sorted. So he will do it ASAP so more moisture/rain doesent get in & make it even worse.
    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.
    • Cumbria lass
    • By Cumbria lass 11th Apr 18, 8:17 PM
    • 1,811 Posts
    • 10,876 Thanks
    Cumbria lass
    Have you mended after your tumble at the crossing. The acupuncture sounds like it really helps you .

    Good to get jobs done .
    CC1 3475 May 2018
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Apr 18, 8:20 PM
    • 4,168 Posts
    • 28,321 Thanks
    HairyHandofDartmoor
    In other news I have had my odd job man round.
    My wooden conservatory has a hole on one bit of it because the wood has started to rot. It is slightly worse than I thought but anyway it needs to be sorted. So he will do it ASAP so more moisture/rain doesent get in & make it even worse.
    Originally posted by beanielou

    Yes better to get it done before it gets worse and costs more. Annoying though.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    Emergency Fund 1 = 560.59/Emergency Fund 2 = 0.21/Loss of Income Fund 0
    • beanielou
    • By beanielou 11th Apr 18, 8:28 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    Yes better to get it done before it gets worse and costs more. Annoying though.
    Originally posted by HairyHandofDartmoor
    Yes, could certainly have done without it.
    As you say needs to be done now before it gets any worse.
    It has served me so well over the years & I love it in the summer as it is so warm.
    Anyway my odd job man is fab & will do a fab job & wont rip me off which is great
    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 Apr 18, 8:30 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    Have you mended after your tumble at the crossing. The acupuncture sounds like it really helps you .

    Good to get jobs done .
    Originally posted by Cumbria lass
    Getting there slowly.
    Still quite bruised and sore but it could have been so much worse.
    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 Apr 18, 8:34 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    A funny wee story!!
    It got very cold in the house earlier.
    Thought on flip the heating is not working
    Well it wasent because the cat was lying on the controller & it was registering his heat
    That's my best boy
    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 11th Apr 18, 8:54 PM
    • 4,737 Posts
    • 16,291 Thanks
    abba1772
    Aww even your cat is mse saving you money on heating 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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Apr 18, 8:59 PM
    • 4,168 Posts
    • 28,321 Thanks
    HairyHandofDartmoor
    Funny cat
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    Emergency Fund 1 = 560.59/Emergency Fund 2 = 0.21/Loss of Income Fund 0
    • doingitanyway
    • By doingitanyway 12th Apr 18, 8:19 PM
    • 3,041 Posts
    • 15,073 Thanks
    doingitanyway
    Thought on flip the heating is not working
    Originally posted by beanielou
    I demand that the weather recognise it is Spring! not Winter!
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 12th Apr 18, 9:16 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    I demand that the weather recognise it is Spring! not Winter!
    Originally posted by doingitanyway
    So agree. So cold today.

    So tired 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 12th Apr 18, 9:17 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    Big thanks to a lovely readrer.
    You know who you are
    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 13th Apr 18, 8:44 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    I am so tired.
    Nothing to report 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.
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 13th Apr 18, 9:04 PM
    • 8,801 Posts
    • 51,440 Thanks
    please-let-me-be-lucky
    Early night for you Miss!

    Get your best boy to snuggle you in Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    NSDs achieved in 2018 26/60
    Best win so far - holiday to Florida
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Apr 18, 9:22 PM
    • 4,168 Posts
    • 28,321 Thanks
    HairyHandofDartmoor
    Hope you feel less tired tomorrow Beanie. Sleep well.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    Emergency Fund 1 = 560.59/Emergency Fund 2 = 0.21/Loss of Income Fund 0
    • mummytogirls
    • By mummytogirls 14th Apr 18, 11:19 AM
    • 6,164 Posts
    • 22,548 Thanks
    mummytogirls
    So funny about the cat laying on the heating thermostat Beanie!!! Trying to help you keep costs down bless him ha xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • doingitanyway
    • By doingitanyway 14th Apr 18, 7:48 PM
    • 3,041 Posts
    • 15,073 Thanks
    doingitanyway
    Has the sun shown its face in Scotland Beanie? It has further South and it came just when I was losing the will to live. I was at work all day but even so
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 14th Apr 18, 8:49 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    The sun put a wee appearence in.
    Got some towels dried out side.
    Meant to get much warmer next week.
    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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