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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 56,856Posts
    • 231,546Thanks
    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. MFW 2018. No 144
Page 219
    • in need of direction
    • By in need of direction 14th Apr 18, 11:06 PM
    • 5,261 Posts
    • 30,936 Thanks
    in need of direction
    Tomorrow I will wipe down my clothes line and hopefully get some laundry hung out. I love seeing it on the line
    Mortgage at 01.01.14 £119,481.83 today £74,121.52, target £65,000 by 31/12/18 Offset fund today £307.27 target £5,500 by 31/12/18
    Emergency fund £860/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Sun Addict
    • By Sun Addict 15th Apr 18, 3:02 PM
    • 6,132 Posts
    • 41,430 Thanks
    Sun Addict
    Glad you saw the sun yesterday - it was glorious here too
    Virtual Sealed Pot 2018 £404.08
    Debt £2180
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • beanielou
    • By beanielou 15th Apr 18, 7:16 PM
    • 56,856 Posts
    • 231,546 Thanks
    beanielou
    Quite a nice day here today as well.

    Have finished the crime book club book and it was fab.

    Need to find a birthday card & get it written.

    Charity accounts are up to date. Problems getting them to print out though!!
    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. MFW 2018. No 144
    • Cumbria lass
    • By Cumbria lass 15th Apr 18, 8:50 PM
    • 2,192 Posts
    • 13,393 Thanks
    Cumbria lass
    Hope you got your little jobs done . What are you going to read next ?
    CC1 £221 /£3718
    • beanielou
    • By beanielou 15th Apr 18, 9:03 PM
    • 56,856 Posts
    • 231,546 Thanks
    beanielou
    I have Gordon Brown's autobiography from the library
    He is a fellow Fifer.

    Talking of which just watching the programme about the Queen Elizabeth~~the Supercarrier~~& she has just gone under the Forth Bridge
    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. MFW 2018. No 144
    • Cumbria lass
    • By Cumbria lass 15th Apr 18, 9:24 PM
    • 2,192 Posts
    • 13,393 Thanks
    Cumbria lass
    Sounds like an interesting read Beanie , you will have to say after you have read it.
    CC1 £221 /£3718
    • beanielou
    • By beanielou 15th Apr 18, 9:28 PM
    • 56,856 Posts
    • 231,546 Thanks
    beanielou
    Sounds like an interesting read Beanie , you will have to say after you have read it.
    Originally posted by Cumbria lass
    I will.
    it looks like quite a tomb & the print is quite small.
    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. MFW 2018. No 144
    • beanielou
    • By beanielou 16th Apr 18, 9:10 PM
    • 56,856 Posts
    • 231,546 Thanks
    beanielou
    GB's autobiograhy is quite heavy going.
    Pity that the Fife stuff was not all in the same chapter.
    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. MFW 2018. No 144
    • doingitanyway
    • By doingitanyway 17th Apr 18, 7:58 AM
    • 3,300 Posts
    • 17,756 Thanks
    doingitanyway
    Morning Beanie,
    Let's do great on our eating plans today.
    Have a positive day
    Emergency fund 500/1000
    If not now then when?
    • beanielou
    • By beanielou 17th Apr 18, 11:06 AM
    • 56,856 Posts
    • 231,546 Thanks
    beanielou
    Morning Beanie,
    Let's do great on our eating plans today.
    Have a positive day
    Originally posted by doingitanyway
    You too
    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. MFW 2018. No 144
    • beanielou
    • By beanielou 17th Apr 18, 10:18 PM
    • 56,856 Posts
    • 231,546 Thanks
    beanielou
    Book club tonight was good.
    Subs for year paid so now skint.
    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. MFW 2018. No 144
    • beanielou
    • By beanielou 17th Apr 18, 10:19 PM
    • 56,856 Posts
    • 231,546 Thanks
    beanielou
    The food bank was very busy today.
    I am glad we are there but sad that we are so busy.
    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. MFW 2018. No 144
    • Butti
    • By Butti 17th Apr 18, 10:35 PM
    • 4,683 Posts
    • 12,827 Thanks
    Butti
    I will.
    it looks like quite a tomb & the print is quite small.
    Originally posted by beanielou
    I've just got Modern Methods of Valuation through the post. It is a brick and looks not very exciting (but quite useful).
    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 18th Apr 18, 2:19 PM
    • 1,895 Posts
    • 8,999 Thanks
    milann
    Hi Beanie.
    Good you're getting a few jobs done. It will be nice to sit when the sun shines. Warm your cockles after this long winter. Don't think I've never known a winter last as long.

    Blinds sound like a lovely idea to cheer you up. Trying to think how you could raise the cash - could you do something crafty to sell on flea bay. Changing bank as others have said could be the answer.
    • Sun Addict
    • By Sun Addict 18th Apr 18, 8:52 PM
    • 6,132 Posts
    • 41,430 Thanks
    Sun Addict
    If you enjoy the book club it's money well spent. I'd like to join a book club, how do you go about it - I love books, always have done since being a nipper.
    Virtual Sealed Pot 2018 £404.08
    Debt £2180
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 18th Apr 18, 9:08 PM
    • 4,871 Posts
    • 34,540 Thanks
    HairyHandofDartmoor
    I agree that the book club will be money well spent, life's little pleasures are important .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 18th Apr 18, 9:31 PM
    • 56,856 Posts
    • 231,546 Thanks
    beanielou
    If you enjoy the book club it's money well spent. I'd like to join a book club, how do you go about it - I love books, always have done since being a nipper.
    Originally posted by Sun Addict
    This is a library one.
    This is the first time we have had to pay.
    Cutbacks ya know
    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. MFW 2018. No 144
    • beanielou
    • By beanielou 18th Apr 18, 9:33 PM
    • 56,856 Posts
    • 231,546 Thanks
    beanielou
    I agree that the book club will be money well spent, life's little pleasures are important .
    Originally posted by HairyHandofDartmoor
    They are indeed
    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. MFW 2018. No 144
    • beanielou
    • By beanielou 18th Apr 18, 10:13 PM
    • 56,856 Posts
    • 231,546 Thanks
    beanielou
    Oh & can you lovely people help?
    Looking for suggestions for yet another birthday gift.
    For a lady going to be 70.
    A good & very dear friend.
    Thanks
    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. MFW 2018. No 144
    • Pooky
    • By Pooky 19th Apr 18, 8:17 AM
    • 6,906 Posts
    • 44,011 Thanks
    Pooky
    How much are you looking to spend? What sort of things does she like/do?

    Both my mum and MIL turn 70 this year, I've not got a clue what to do for either of them.
    "Start every day off with a smile and get it over with" - W. C. Field.
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