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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 55,484Posts
    • 222,717Thanks
    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 236
    • EssexHebridean
    • By EssexHebridean 17th May 18, 12:22 PM
    • 8,719 Posts
    • 46,010 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
    • beanielou
    • By beanielou 17th May 18, 12:58 PM
    • 55,484 Posts
    • 222,717 Thanks
    beanielou
    Thanks Karmcat.
    Life is indeed good.
    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.
    • Cumbria lass
    • By Cumbria lass 17th May 18, 7:54 PM
    • 1,974 Posts
    • 12,097 Thanks
    Cumbria lass
    Oh Beanie well done on You Gov payout ! I hope you have had a lovely High Tea with your friend , and that the sun shined on you.

    Cats are lovely ( hehe)
    CC1 3980 June 2018
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th May 18, 8:24 PM
    • 4,570 Posts
    • 31,970 Thanks
    HairyHandofDartmoor
    Very very glad to report that the CC is nearly gone
    That is such a weight of my mind, I cant tell you.
    Originally posted by beanielou
    That's brilliant . I hope your YG money comes soon .
    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
    • Sun Addict
    • By Sun Addict 17th May 18, 9:20 PM
    • 5,912 Posts
    • 39,211 Thanks
    Sun Addict
    Fab news on the payout Hope you had a brilliant time with your friends xx
    Virtual Sealed Pot 2018 296.07
    Debt 2300
    Weight loss 1/6LBS
    Emergency Fund 4000/10,000
    • beanielou
    • By beanielou 17th May 18, 9:31 PM
    • 55,484 Posts
    • 222,717 Thanks
    beanielou
    Oh Beanie well done on You Gov payout ! I hope you have had a lovely High Tea with your friend , and that the sun shined on you.

    Cats are lovely ( hehe)
    Originally posted by Cumbria lass
    Thanks
    High Tea was awesome.
    Still stuffed!
    We had coffee in the sun before we went for out 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.
    • beanielou
    • By beanielou 17th May 18, 9:32 PM
    • 55,484 Posts
    • 222,717 Thanks
    beanielou
    That's brilliant . I hope your YG money comes soon .
    Originally posted by HairyHandofDartmoor
    About 4 weeks I think.
    But at least I know it is coming
    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, 9:33 PM
    • 55,484 Posts
    • 222,717 Thanks
    beanielou
    Fab news on the payout Hope you had a brilliant time with your friends xx
    Originally posted by Sun Addict
    I did, thanks.
    Food for the soul xx
    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, 10:44 PM
    • 55,484 Posts
    • 222,717 Thanks
    beanielou
    Now THAT's an achievement!
    Originally posted by EssexHebridean
    It is indeed
    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 18th May 18, 12:17 PM
    • 3,143 Posts
    • 16,404 Thanks
    doingitanyway
    You are in a good place Beanielou. Nice to witness
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 18th May 18, 8:45 PM
    • 4,570 Posts
    • 31,970 Thanks
    HairyHandofDartmoor
    Glad you enjoyed tea with your friend.
    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
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 18th May 18, 9:37 PM
    • 8,900 Posts
    • 52,279 Thanks
    please-let-me-be-lucky
    All caught up after my holibobs. Yay to lovely times with friends, new clothes and YouGov payout! I got mine within 2 weeks even though it said 4 Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    NSDs achieved in 2018 32/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 18th May 18, 11:35 PM
    • 55,484 Posts
    • 222,717 Thanks
    beanielou
    TYank you
    I have has a few gins & it ent right to my head.
    Apogies.
    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 19th May 18, 9:32 AM
    • 29,453 Posts
    • 169,041 Thanks
    Karmacat
    That made me laugh, beanie, sounds like a good evening
    Retired August 2016
    • milann
    • By milann 19th May 18, 9:52 AM
    • 1,772 Posts
    • 8,292 Thanks
    milann
    Glad you're relaxing with a few gin and its. The high tea sounds lovely and hope your relative is doing ok.

    The NHS has its faults but they are fantastic in emergencies. And do an amazing job overall.

    Not been around this week - this work lark is interfering with my social life with my RL and virtual friends.
    • beanielou
    • By beanielou 19th May 18, 10:55 AM
    • 55,484 Posts
    • 222,717 Thanks
    beanielou
    My head is a tad sore today.
    Anyway had a good wee night with a friend last night.
    Raspberry gins poured by her are well lethel.
    More gin then lemonade
    Anyway we have known each other 30 years next month.
    We moved in to our wee bungalows at the same time & she has always been there for me through thick & thin.
    A special friend.
    I am so so lucky with my friends.
    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 19th May 18, 10:58 AM
    • 55,484 Posts
    • 222,717 Thanks
    beanielou
    In other news I have deceided to rehome the two cats if they have not been homed by the end of this weekend.
    Another friend has offered to pay the costs relating to one of them.
    Again I am so lucky with my friends.
    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 19th May 18, 11:28 AM
    • 55,484 Posts
    • 222,717 Thanks
    beanielou
    Glad you're relaxing with a few gin and its. The high tea sounds lovely and hope your relative is doing ok.

    The NHS has its faults but they are fantastic in emergencies. And do an amazing job overall.

    Not been around this week - this work lark is interfering with my social life with my RL and virtual friends.
    Originally posted by milann


    Oh dear
    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 19th May 18, 12:06 PM
    • 55,484 Posts
    • 222,717 Thanks
    beanielou
    Just having a wee cry as you do.
    Meghan looks stunning.
    I wish them both all the love & happiness in the world.
    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 19th May 18, 12:24 PM
    • 29,453 Posts
    • 169,041 Thanks
    Karmacat
    Me too, beanie



    She looks a bit stunned by the knowledge that 1.9 billion people are watching her right now ... not surprising, really. Her mother looks amazing.
    Retired August 2016
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