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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 58,080Posts
    • 239,239Thanks
    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 233
    • beanielou
    • By beanielou 10th May 18, 2:55 PM
    • 58,080 Posts
    • 239,239 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 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
    • doingitanyway
    • By doingitanyway 10th May 18, 10:25 PM
    • 3,545 Posts
    • 19,630 Thanks
    doingitanyway
    Hope you ended the day more energised
    Emergency fund 1060/1000
    NSD November 7/30
    • beanielou
    • By beanielou 10th May 18, 10:33 PM
    • 58,080 Posts
    • 239,239 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 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
    • Butti
    • By Butti 11th May 18, 9:18 AM
    • 4,711 Posts
    • 13,010 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. (10/18 )£5826
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    33.2% paid off mortgage
    '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
    • 58,080 Posts
    • 239,239 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 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 11th May 18, 1:37 PM
    • 58,080 Posts
    • 239,239 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 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 11th May 18, 1:38 PM
    • 58,080 Posts
    • 239,239 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 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 11th May 18, 7:02 PM
    • 58,080 Posts
    • 239,239 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 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 11th May 18, 7:17 PM
    • 5,789 Posts
    • 41,009 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?
    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 11th May 18, 7:31 PM
    • 58,080 Posts
    • 239,239 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 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 11th May 18, 7:32 PM
    • 30,060 Posts
    • 174,345 Thanks
    Karmacat
    Excellent news!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 12th May 18, 10:49 AM
    • 58,080 Posts
    • 239,239 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 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 12th May 18, 2:25 PM
    • 5,789 Posts
    • 41,009 Thanks
    HairyHandofDartmoor
    You are doing amazing well Beanie, you are a great plodder .
    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
    • milann
    • By milann 12th May 18, 4:12 PM
    • 1,997 Posts
    • 9,713 Thanks
    milann
    Hooray for sunshine and realising how far you have come on your journey
    • beanielou
    • By beanielou 12th May 18, 5:30 PM
    • 58,080 Posts
    • 239,239 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 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 12th May 18, 6:05 PM
    • 30,060 Posts
    • 174,345 Thanks
    Karmacat
    Oh my word! Yes it is, that's wonderful.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 12th May 18, 6:48 PM
    • 58,080 Posts
    • 239,239 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 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
    • doingitanyway
    • By doingitanyway 12th May 18, 7:15 PM
    • 3,545 Posts
    • 19,630 Thanks
    doingitanyway
    Glad you are in a good place
    Emergency fund 1060/1000
    NSD November 7/30
    • beanielou
    • By beanielou 12th May 18, 7:31 PM
    • 58,080 Posts
    • 239,239 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 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
    • Cumbria lass
    • By Cumbria lass 13th May 18, 8:34 AM
    • 2,421 Posts
    • 14,950 Thanks
    Cumbria lass
    What a great thing to do chanting Beanie , it's new to me but obviously not to you and 70 other people. I am glad you find it helps .

    You have done amazingly well so far . I hope You Gov pays out soon. Mine in feb bought my suitcase for my Australia holiday.

    I have my hair done at home by my niece , couldn't afford salon prices.

    Have a lovely day , the sun is out here .
    CC1 £3500 Nov 2018.
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