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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 53,923Posts
    • 213,361Thanks
    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 233
    • Karmacat
    • By Karmacat 10th May 18, 2:36 PM
    • 29,172 Posts
    • 166,453 Thanks
    Karmacat
    Ug, beanie, sorry to hear that. Deep breathing by an open window for a few minutes, get your tissues oxygenated, seriously.
    Retired August 2016
    • beanielou
    • By beanielou 10th May 18, 2:55 PM
    • 53,923 Posts
    • 213,361 Thanks
    beanielou
    Ug, beanie, sorry to hear that. Deep breathing by an open window for a few minutes, get your tissues oxygenated, seriously.
    Originally posted by Karmacat
    Thanks Karmcat.
    Will try that shortly
    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.
    • doingitanyway
    • By doingitanyway 10th May 18, 10:25 PM
    • 3,007 Posts
    • 14,725 Thanks
    doingitanyway
    Hope you ended the day more energised
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 10th May 18, 10:33 PM
    • 53,923 Posts
    • 213,361 Thanks
    beanielou
    I did actually
    Amazing what a shower & some fresh air can do sometimes!
    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.
    • Butti
    • By Butti 11th May 18, 9:18 AM
    • 4,620 Posts
    • 12,380 Thanks
    Butti
    For my hypnosis I do one big breath in, say "Calm, relax" mentally to myself at the top and breathe out over seven counts. Really works.
    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
    • beanielou
    • By beanielou 11th May 18, 1:33 PM
    • 53,923 Posts
    • 213,361 Thanks
    beanielou
    For my hypnosis I do one big breath in, say "Calm, relax" mentally to myself at the top and breathe out over seven counts. Really works.
    Originally posted by Butti
    WE do something similar at yoga butti
    Hope all well with you & you enjoyed your trip
    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 May 18, 1:37 PM
    • 53,923 Posts
    • 213,361 Thanks
    beanielou
    I seem to have gone over budget this month in just about everything.
    Finances are so tight.
    Apart from my friends 70th there will be NO NO NO more spending on anything at all.
    Unless my best boy needs to go to the vet.
    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 May 18, 1:38 PM
    • 53,923 Posts
    • 213,361 Thanks
    beanielou
    Oh & I am having my hair cut this afternoon, 8 quid max for a wet cut.
    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 May 18, 7:02 PM
    • 53,923 Posts
    • 213,361 Thanks
    beanielou
    Hair cut

    Another YOu Gov Survey
    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.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th May 18, 7:17 PM
    • 4,112 Posts
    • 27,933 Thanks
    HairyHandofDartmoor
    That's a cheap haircut Beanie. I pay £5 for a wet cut but that's at the hairdressing school.

    Good news about YG, you must be close to cashout?
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £81.59/Emergency Fund 2 = £41.81/Loss of Income Fund £0
    • beanielou
    • By beanielou 11th May 18, 7:31 PM
    • 53,923 Posts
    • 213,361 Thanks
    beanielou
    That's a cheap haircut Beanie. I pay £5 for a wet cut but that's at the hairdressing school.

    Good news about YG, you must be close to cashout?
    Originally posted by HairyHandofDartmoor
    I am very lucky on the hair front
    One more to cashout
    Soon I hope!
    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 May 18, 7:32 PM
    • 29,172 Posts
    • 166,453 Thanks
    Karmacat
    Excellent news!
    Retired August 2016
    • beanielou
    • By beanielou 12th May 18, 10:49 AM
    • 53,923 Posts
    • 213,361 Thanks
    beanielou
    It is a lovely sunny day today & I am going chanting
    Hope you all have a fab day

    I was just thinking about my chanting journey.
    On paper I should not be able to stay in my house far less pay down the debts I had & have.
    What an amazing gift.
    15 years ago I never thought I would be in the position that I am now.
    Keep plodding all & as I have said before thanks to each & every one of you who have supported me on my MSE journey.
    You are all stars xxx
    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.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th May 18, 2:25 PM
    • 4,112 Posts
    • 27,933 Thanks
    HairyHandofDartmoor
    You are doing amazing well Beanie, you are a great plodder .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £81.59/Emergency Fund 2 = £41.81/Loss of Income Fund £0
    • milann
    • By milann 12th May 18, 4:12 PM
    • 1,702 Posts
    • 7,932 Thanks
    milann
    Hooray for sunshine and realising how far you have come on your journey
    • beanielou
    • By beanielou 12th May 18, 5:30 PM
    • 53,923 Posts
    • 213,361 Thanks
    beanielou
    Have had a lovely day.
    Was able to lead the chanting for 1/2 a hour & it was fantastic.
    Very powerful to hear 70 people all chanting in unison
    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 12th May 18, 6:05 PM
    • 29,172 Posts
    • 166,453 Thanks
    Karmacat
    Oh my word! Yes it is, that's wonderful.
    Retired August 2016
    • beanielou
    • By beanielou 12th May 18, 6:48 PM
    • 53,923 Posts
    • 213,361 Thanks
    beanielou
    Oh my word! Yes it is, that's wonderful.
    Originally posted by Karmacat
    It was
    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.
    • doingitanyway
    • By doingitanyway 12th May 18, 7:15 PM
    • 3,007 Posts
    • 14,725 Thanks
    doingitanyway
    Glad you are in a good place
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 12th May 18, 7:31 PM
    • 53,923 Posts
    • 213,361 Thanks
    beanielou
    Glad you are in a good place
    Originally posted by doingitanyway
    So am I
    Amazing what the sun does & some chanting does.
    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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