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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 58,105Posts
    • 239,398Thanks
    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 12 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 232
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th May 18, 9:45 PM
    • 5,808 Posts
    • 41,183 Thanks
    HairyHandofDartmoor
    It sounds like you've had a lovely day relaxiing in the sun Beanie . Probably a good call not to go to yoga today.
    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.
    EMERGENCY FUND = 17
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 7th May 18, 9:46 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    Wouldn't it be wonderful if we knew that this was it summer is here now. I do the duvet thing with strong clothes pegs - small saving there Beanie!
    Originally posted by tootallulah
    The next person going to my big town will be buying them for me
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 7th May 18, 9:47 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    It sounds like you've had a lovely day relaxiing in the sun Beanie . Probably a good call not to go to yoga today.
    Originally posted by HairyHandofDartmoor
    Yes, it was I think
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 7th May 18, 10:14 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    After such a lovely day I am thankful for the sun shining.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 7th May 18, 10:16 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    A friend is taking me tomorrow to do some chores.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 8th May 18, 9:30 AM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    Another You Gov survey
    Three to go
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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
    • Karmacat
    • By Karmacat 8th May 18, 10:05 AM
    • 30,067 Posts
    • 174,387 Thanks
    Karmacat
    Ooh, beanie, three till payout? Amazing!

    And have a lovely day out today with your friend
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Knit Witch
    • By Knit Witch 8th May 18, 10:12 AM
    • 3,607 Posts
    • 32,920 Thanks
    Knit Witch
    Another You Gov survey
    Three to go
    Originally posted by beanielou
    Woo hoo - here's hoping they come through quickly (oh and for me as well - I have two to payout I think )
    Must use my stash up!
    • beanielou
    • By beanielou 8th May 18, 5:46 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    Woo hoo - here's hoping they come through quickly (oh and for me as well - I have two to payout I think )
    Originally posted by Knit Witch
    Keep me posted
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 8th May 18, 5:50 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    Have had a good but very tiring day.
    Got lots of little jobs done, vet, library ect.
    Bought clothes pegs, & new oven gloves which were very very much needed.A lever arch file.
    Got the thing for the duvet~~heres hoping that it helps
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 8th May 18, 5:51 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    Have booked a high tea for my friends birthday next week.
    Cant believe its next week
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 8th May 18, 6:27 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    Oh & 21 tins of pepsi max for 3.49.
    I do like a can of pepsi max

    I do also like water
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 9th May 18, 12:07 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    Am shattered today.
    I never learn do I?
    SEnd chocolate!!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 9th May 18, 3:57 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    Raining & dreich here today.
    So glad that I took advantage of the sun when I could
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th May 18, 7:20 PM
    • 5,808 Posts
    • 41,183 Thanks
    HairyHandofDartmoor
    It's a shame about your rain Beanie, I hope it improves soon.
    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.
    EMERGENCY FUND = 17
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 9th May 18, 7:24 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    It's a shame about your rain Beanie, I hope it improves soon.
    Originally posted by HairyHandofDartmoor
    Thanks. So do I
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 9th May 18, 7:26 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    I am looking for the Vans Iron Bru trainers for a friend.
    They seem to be all sold out
    Not my cup of tea but there you go (Or can of irn bru)
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 9th May 18, 9:43 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    Watching Rich House, Poor House.
    Such contrasts.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 10th May 18, 12:36 PM
    • 58,105 Posts
    • 239,398 Thanks
    beanielou
    Sun is trying very hard to come out.
    I am trying so hard to to remain positive.
    I am so so tired & I have no energy.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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
    • Karmacat
    • By Karmacat 10th May 18, 2:36 PM
    • 30,067 Posts
    • 174,387 Thanks
    Karmacat
    Ug, beanie, sorry to hear that. Deep breathing by an open window for a few minutes, get your tissues oxygenated, seriously.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
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