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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 56,880Posts
    • 231,650Thanks
    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 234
    • beanielou
    • By beanielou 13th May 18, 11:46 AM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    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 .
    Originally posted by Cumbria lass
    Thank you Cumbria Lass
    Sun out here too

    I am lucky hair wise.I use John fredia colour foam which I get on offer for a fiver & wet cut every couple of months & thats me.
    I am super lucky in that I wash my hair comb it & leave it & thats me
    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 13th May 18, 11:51 AM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    My best boy cat is 18 tomorrow.
    I have no idea where that time has gone.
    Fab pictures of him is a ickly little kitten with DS who must have been six.
    DS is 25 this year How did that happen!!
    DS's GF keeps sending me pictures of cats needing rehomed.
    I MUST MUST stay strong!!!!
    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
    • Karmacat
    • By Karmacat 13th May 18, 12:48 PM
    • 29,772 Posts
    • 171,697 Thanks
    Karmacat
    Definitely stay strong!

    John Frieda colour foam? That sounds interesting ...
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Cumbria lass
    • By Cumbria lass 13th May 18, 7:22 PM
    • 2,192 Posts
    • 13,404 Thanks
    Cumbria lass
    My cat went missing 6 yrs ago Beanie , I still have her photo on my fridge laminated . DGS is always looking for her when he sees a tabby cat .
    CC1 221 /3718
    • beanielou
    • By beanielou 14th May 18, 8:00 AM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    My cat went missing 6 yrs ago Beanie , I still have her photo on my fridge laminated . DGS is always looking for her when he sees a tabby cat .
    Originally posted by Cumbria lass
    So sad.
    That happened to me a number of years ago.
    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 14th May 18, 8:04 AM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    Well cats were visited.
    I did stay strong through.
    It is not the right time & I really cant afford another cat.
    Sad but true.
    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 14th May 18, 8:47 AM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    Karmcat~~ The John Freda foam is fab.
    I have used this since I stopped going to the hairdresser for my colour.
    https://www.johnfrieda.com/en-UK/products/precision-foam-colour/dalight-natural-blonde-hair-dye-9N/
    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 14th May 18, 8:58 AM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    I met my DS yesterday & we then went to look at the cats.
    Then we met with my mum & had a catch up.
    For the sake of being truthful I bought trousers & a shirt
    Had love to shop vouchers which I was keeping for food.
    Anyway I had vouchers for a lot of money off too so used the vouchers together.
    DS was mortified as they are extra work for the staff.
    Anyway total cost to me 67p!!
    So pleased with that

    Then DS drove my car home as I was really tired & wobbly & his GF came in their car and we had tea.
    So a good wee day.
    All the best people in my life in one day
    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
    • milann
    • By milann 14th May 18, 7:31 PM
    • 1,900 Posts
    • 9,012 Thanks
    milann
    Sounds like you had a lovely day with lovely people and got a bargain along the way.

    I have my hair done by a neighbour who is a mobile hairdresser - I wash my hair at home and pop over to her and I'm back in half an hour - that costs me 23. Dread to think how much a salon would cost. I'm going rather 'silver' and have only ever put rinses on years ago - I hated the texture of my hair after them and am wary of starting now as once I start I'd have to carry on. Although i went to buy tickets for local theatre and realised she's given me OAP tickets - I'm not even 60 yet so maybe I should....
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th May 18, 7:54 PM
    • 4,873 Posts
    • 34,552 Thanks
    HairyHandofDartmoor
    What a brilliant day Beanie, I'm glad you had a lovely time with your DS and got some new clothes .
    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 14th May 18, 10:20 PM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    Unfortunatly today has not been so bright.
    Had to make an emergency visit to the hospital with a close relative for a same day appointment. All turned out well in the end. The NHS at its best it has to be said. Still stressful 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
    • beanielou
    • By beanielou 15th May 18, 8:55 AM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    Not at my best today.
    On the upside the sun is shining
    Really tired & have a thumping sore head.
    I dont deal well with stress.
    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 15th May 18, 8:58 AM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    On the up side my credit card is now much much more managable.
    If I can get to the end of June things will be a bit easier.

    On duty at the foodbank today so really need to get on.
    Have a lovely Tuesday lovely readers
    Last edited by beanielou; 15-05-2018 at 9:01 AM.
    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
    • in need of direction
    • By in need of direction 15th May 18, 9:00 AM
    • 5,261 Posts
    • 30,943 Thanks
    in need of direction
    Good news about the credit card. Well done
    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.
    • beanielou
    • By beanielou 15th May 18, 9:02 AM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    Good news about the credit card. Well done
    Originally posted by in need of direction
    Thank you
    Hope all well with you
    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
    • Karmacat
    • By Karmacat 15th May 18, 10:53 AM
    • 29,772 Posts
    • 171,697 Thanks
    Karmacat
    Well, any time you have to visit A&E thats going to feel stressful, and you (we!) will feel it the next day. Try to coast along a bit at the foodbank today, beanie, it's a big ask. Thinking of you.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 15th May 18, 5:36 PM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    Well, any time you have to visit A&E thats going to feel stressful, and you (we!) will feel it the next day. Try to coast along a bit at the foodbank today, beanie, it's a big ask. Thinking of you.
    Originally posted by Karmacat
    Thank yopu Karmcat

    Foodbank was the busiest I have ever seen it.
    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 15th May 18, 6:10 PM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    Sun is sleeping & it has been raining.
    None to warm either
    That will be because I have turned off the heating for the summer
    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
    • Sun Addict
    • By Sun Addict 15th May 18, 8:04 PM
    • 6,132 Posts
    • 41,442 Thanks
    Sun Addict
    Glad to hear all was well in the end with the poorly relative. In times of crisis the NHS are brilliant (as I've found through bitter experience!).

    Happy belated birthday to the best boy So pleased he's come through the rough patch he had earlier this year.

    You were very strong to resist the lure of rehoming a cat. It's not the food cost it's the vet bills. I don't think I could go to a re-homing place and not be tempted to adopt them all.
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • beanielou
    • By beanielou 15th May 18, 8:14 PM
    • 56,880 Posts
    • 231,650 Thanks
    beanielou
    Glad to hear all was well in the end with the poorly relative. In times of crisis the NHS are brilliant (as I've found through bitter experience!).

    Happy belated birthday to the best boy So pleased he's come through the rough patch he had earlier this year.

    You were very strong to resist the lure of rehoming a cat. It's not the food cost it's the vet bills. I don't think I could go to a re-homing place and not be tempted to adopt them all.
    Originally posted by Sun Addict
    It was really hard to put my sensible head on & resist.
    Cant get one of them out my head.
    It was not the right time 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
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