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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 55,514Posts
    • 222,876Thanks
    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 235
    • beanielou
    • By beanielou 15th May 18, 8:14 PM
    • 55,514 Posts
    • 222,876 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.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th May 18, 8:25 PM
    • 4,571 Posts
    • 31,996 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.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 15th May 18, 8:28 PM
    • 55,514 Posts
    • 222,876 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 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 15th May 18, 8:33 PM
    • 4,571 Posts
    • 31,996 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.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 15th May 18, 8:46 PM
    • 55,514 Posts
    • 222,876 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 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.
    • slowlyfading
    • By slowlyfading 15th May 18, 9:33 PM
    • 12,933 Posts
    • 74,258 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 / July NSD - 8 / Ultimate Dream Fund - 25,646.36/306,000
    • beanielou
    • By beanielou 15th May 18, 9:37 PM
    • 55,514 Posts
    • 222,876 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 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.
    • brizzlegirl
    • By brizzlegirl 15th May 18, 9:44 PM
    • 299 Posts
    • 1,812 Thanks
    brizzlegirl
    Hope you had a quiet relaxing eve x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29% May 25% June] 2018 Income Goal 76/750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 15th May 18, 9:48 PM
    • 55,514 Posts
    • 222,876 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 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 16th May 18, 10:52 AM
    • 55,514 Posts
    • 222,876 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 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 16th May 18, 12:21 PM
    • 29,462 Posts
    • 169,148 Thanks
    Karmacat
    Stay Away From The Cat

    Retired August 2016
    • beanielou
    • By beanielou 16th May 18, 9:10 PM
    • 55,514 Posts
    • 222,876 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 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 16th May 18, 9:12 PM
    • 55,514 Posts
    • 222,876 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 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 16th May 18, 9:42 PM
    • 4,571 Posts
    • 31,996 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.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 16th May 18, 9:51 PM
    • 55,514 Posts
    • 222,876 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 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.
    • in need of direction
    • By in need of direction 16th May 18, 10:13 PM
    • 5,137 Posts
    • 29,980 Thanks
    in need of direction
    love rich house, poor house. is it a new series?
    Mortgage at 01.01.14 119,481.83 today 74,745.76, target 65,000 by 31/12/18 Offset fund today 297.27 target 5,500 by 31/12/18
    Emergency fund 0.2/5.5k & 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
    • 55,514 Posts
    • 222,876 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 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 17th May 18, 8:56 AM
    • 55,514 Posts
    • 222,876 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 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 17th May 18, 8:57 AM
    • 55,514 Posts
    • 222,876 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 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 17th May 18, 10:30 AM
    • 29,462 Posts
    • 169,148 Thanks
    Karmacat
    Beanie, lots of brill stuff! YG payout, cc nearly gone, and tea out with a bessie mate life is good
    Retired August 2016
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