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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 58,080Posts
    • 239,287Thanks
    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 235
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th May 18, 8:25 PM
    • 5,796 Posts
    • 41,088 Thanks
    HairyHandofDartmoor
    I hope you have a relaxing day Beanie after your busy day at the food bank.

    I went to the hospital with DH on Monday morning for a scan of his arteries and it was very tiring, so I'm not surprised your hospital visit was stressful.
    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 15th May 18, 8:28 PM
    • 58,080 Posts
    • 239,287 Thanks
    beanielou
    I hope you have a relaxing day Beanie after your busy day at the food bank.

    I went to the hospital with DH on Monday morning for a scan of his arteries and it was very tiring, so I'm not surprised your hospital visit was stressful.
    Originally posted by HairyHandofDartmoor
    Thank you.
    Hope your DH's scan went well,
    It is scary stuff
    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 15th May 18, 8:33 PM
    • 5,796 Posts
    • 41,088 Thanks
    HairyHandofDartmoor
    Thank you.
    Hope your DH's scan went well,
    It is scary stuff
    Originally posted by beanielou
    The doctor will tell us if there's a problem I think.
    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 15th May 18, 8:46 PM
    • 58,080 Posts
    • 239,287 Thanks
    beanielou
    The doctor will tell us if there's a problem I think.
    Originally posted by HairyHandofDartmoor
    Yes, I think so.
    They were very non commital when we were there.
    Other than nothing urgent.
    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
    • slowlyfading
    • By slowlyfading 15th May 18, 9:33 PM
    • 12,967 Posts
    • 74,527 Thanks
    slowlyfading
    Sorry to hear about your relative. Hope you manage a relax this evening
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / Nov NSD - 8 / In pursuit of FIRE
    • beanielou
    • By beanielou 15th May 18, 9:37 PM
    • 58,080 Posts
    • 239,287 Thanks
    beanielou
    Sorry to hear about your relative. Hope you manage a relax this evening
    Originally posted by slowlyfading
    Thank you
    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
    • brizzlegirl
    • By brizzlegirl 15th May 18, 9:44 PM
    • 406 Posts
    • 2,696 Thanks
    brizzlegirl
    Hope you had a quiet relaxing eve x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal 100/750 November Goals: AFDs 13/25; Decluttering 07/60; LSDs 05/10; NSDs 01/10 Exercise 02/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 15th May 18, 9:48 PM
    • 58,080 Posts
    • 239,287 Thanks
    beanielou
    Hope you had a quiet relaxing eve x
    Originally posted by brizzlegirl
    Yes, thanks.
    Mooching here xx

    Watching The Split.
    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 16th May 18, 10:52 AM
    • 58,080 Posts
    • 239,287 Thanks
    beanielou
    I have shattered today.
    Could not drag myself out of bed to go to yoga.
    However the sun is shining

    Cant stop thinking about one of the cats that I saw on Sunday
    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 16th May 18, 12:21 PM
    • 30,062 Posts
    • 174,355 Thanks
    Karmacat
    Stay Away From The Cat

    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 16th May 18, 9:10 PM
    • 58,080 Posts
    • 239,287 Thanks
    beanielou
    Stay Away From The Cat

    Originally posted by Karmacat
    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 16th May 18, 9:12 PM
    • 58,080 Posts
    • 239,287 Thanks
    beanielou
    Just claimed YOu Gov payout
    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 16th May 18, 9:42 PM
    • 5,796 Posts
    • 41,088 Thanks
    HairyHandofDartmoor
    Yes, thanks.
    Mooching here xx

    Watching The Split.
    Originally posted by beanielou
    You can't beat a bit of mooching . I like The Split too .

    Just claimed YOu Gov payout
    Originally posted by beanielou
    Whooppee
    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 16th May 18, 9:51 PM
    • 58,080 Posts
    • 239,287 Thanks
    beanielou
    You can't beat a bit of mooching . I like The Split too .



    Whooppee
    Originally posted by HairyHandofDartmoor
    Indeed

    Corrently watching Rich House, POor House
    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
    • in need of direction
    • By in need of direction 16th May 18, 10:13 PM
    • 5,351 Posts
    • 31,712 Thanks
    in need of direction
    love rich house, poor house. is it a new series?
    Mortgage at 01.01.14 119,481.83 today 72,374.15, target 65,000 by 31/12/18 Offset fund today 377.27 target 5,500 by 31/12/18
    Emergency fund 1,100/5.5k & 200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 16th May 18, 10:17 PM
    • 58,080 Posts
    • 239,287 Thanks
    beanielou
    love rich house, poor house. is it a new series?
    Originally posted by in need of direction
    Yes, it is.
    On channel 5 on Wednesdays
    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 17th May 18, 8:56 AM
    • 58,080 Posts
    • 239,287 Thanks
    beanielou
    Very very glad to report that the CC is nearly gone
    That is such a weight of my mind, I cant tell you.
    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 17th May 18, 8:57 AM
    • 58,080 Posts
    • 239,287 Thanks
    beanielou
    Today is my lovely friends birthday & we are going out for high tea
    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 17th May 18, 10:30 AM
    • 30,062 Posts
    • 174,355 Thanks
    Karmacat
    Beanie, lots of brill stuff! YG payout, cc nearly gone, and tea out with a bessie mate life is good
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • EssexHebridean
    • By EssexHebridean 17th May 18, 12:22 PM
    • 8,718 Posts
    • 46,107 Thanks
    EssexHebridean
    Just claimed YOu Gov payout
    Originally posted by beanielou
    Now THAT's an achievement!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/1035.63 (09/07/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
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