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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 58,810Posts
    • 243,934Thanks
    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. ***Be the difference.***
Page 268
    • doingitanyway
    • By doingitanyway 10th Aug 18, 5:38 PM
    • 3,711 Posts
    • 20,820 Thanks
    doingitanyway
    Huge frog eaten there Beanie. You can breathe out now
    Well done.
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • beanielou
    • By beanielou 10th Aug 18, 6:11 PM
    • 58,810 Posts
    • 243,934 Thanks
    beanielou
    Huge frog eaten there Beanie. You can breathe out now
    Well done.
    Originally posted by doingitanyway
    Thank you.
    It is a bit of a weight off my mind.
    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. ***Be the difference.***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 10th Aug 18, 8:09 PM
    • 9,227 Posts
    • 55,822 Thanks
    please-let-me-be-lucky
    Catching up after hollibobs. Well done on sorting out the mortgage and getting the compensation from TSB Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • milann
    • By milann 10th Aug 18, 8:16 PM
    • 2,045 Posts
    • 10,032 Thanks
    milann
    At least you know what you're facing and 3 years is no time. Well done you
    • beanielou
    • By beanielou 10th Aug 18, 9:06 PM
    • 58,810 Posts
    • 243,934 Thanks
    beanielou
    Catching up after hollibobs. Well done on sorting out the mortgage and getting the compensation from TSB Xx
    Originally posted by please-let-me-be-lucky

    Thanks
    Hope that you enjoyed your holibob xx
    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. ***Be the difference.***
    • beanielou
    • By beanielou 10th Aug 18, 9:09 PM
    • 58,810 Posts
    • 243,934 Thanks
    beanielou
    At least you know what you're facing and 3 years is no time. Well done you
    Originally posted by milann
    Would have just about getting my pension in 3 years but sadly not now
    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. ***Be the difference.***
    • beanielou
    • By beanielou 10th Aug 18, 9:59 PM
    • 58,810 Posts
    • 243,934 Thanks
    beanielou
    Just had an awesome Haggan Dass raspbberry & mango ice lolly.
    Washed down by a wee raspberry gin.
    What's not too like
    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. ***Be the difference.***
    • julicorn
    • By julicorn 10th Aug 18, 9:59 PM
    • 459 Posts
    • 1,699 Thanks
    julicorn
    Well done on sorting out your mortgage! Sounds like the end is in sight
    Original mortgage: December 2017, 203,495
    MFW start: April 2018, 201,800
    Current: 183,900
    • Sun Addict
    • By Sun Addict 10th Aug 18, 10:10 PM
    • 6,412 Posts
    • 44,713 Thanks
    Sun Addict
    Great news on fixing the mortgage. I fixed mine for its term, worth it to know what I'd be paying.

    The ice lolly and gin sound very nice indeed
    Virtual Sealed Pot 2010 13.14
    Debt 1880
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • beanielou
    • By beanielou 10th Aug 18, 10:29 PM
    • 58,810 Posts
    • 243,934 Thanks
    beanielou
    Great news on fixing the mortgage. I fixed mine for its term, worth it to know what I'd be paying.

    The ice lolly and gin sound very nice indeed
    Originally posted by Sun Addict



    I have lovely friends
    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. ***Be the difference.***
    • milann
    • By milann 11th Aug 18, 10:46 AM
    • 2,045 Posts
    • 10,032 Thanks
    milann
    don't get me going on pensions Beanie

    Ice lolly sounds good - not sure about the gin.....I hadn't had gin since a bad experience in my teenage years with gin and bitter lemon so thought I'd try one again last week since everyone is raving about them - just a g&t - I didn't like it and ended up getting a fruit cider instead.....
    • beanielou
    • By beanielou 11th Aug 18, 6:45 PM
    • 58,810 Posts
    • 243,934 Thanks
    beanielou
    Milan~~try raspberry gin
    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. ***Be the difference.***
    • mummytogirls
    • By mummytogirls 12th Aug 18, 10:19 AM
    • 6,326 Posts
    • 23,900 Thanks
    mummytogirls
    Morning Beanie,

    Im wasn't a fan of gin either.... until I tried a raspberry gin and lemonade a few weeks ago. I think its actually the tonic I don't like, tastes like soluble paracetamol to me . I can cope with the raspberry gin though .
    Oh I've also just remembered I tried my friends rhubarb gin and ginger ale and that was quite nice too!!!

    xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • milann
    • By milann 12th Aug 18, 11:34 AM
    • 2,045 Posts
    • 10,032 Thanks
    milann
    Beanie you are leading me astray
    • in need of direction
    • By in need of direction 12th Aug 18, 11:58 AM
    • 5,411 Posts
    • 32,194 Thanks
    in need of direction
    On the plus side, at least loan and mortgage will be cleared pre pension
    Mortgage at 01.01.14 119,481.83 today 71,743.47, target 65,000 by 05/04/19 Offset fund today 412.27 target 5,500 by 05/04/19
    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.
    • brizzlegirl
    • By brizzlegirl 12th Aug 18, 12:22 PM
    • 447 Posts
    • 2,960 Thanks
    brizzlegirl
    Just catching up...sounds extremely good on the money front and lots of plans in place to give peace of mind. Well done you x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct 0% Nov ] 2018 Income Goal 125/750 December Goals: AFDs 03/25; Decluttering 15/60; LSDs 03/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 12th Aug 18, 8:43 PM
    • 58,810 Posts
    • 243,934 Thanks
    beanielou
    Beanie you are leading me astray
    Originally posted by milann
    As if
    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. ***Be the difference.***
    • beanielou
    • By beanielou 12th Aug 18, 8:47 PM
    • 58,810 Posts
    • 243,934 Thanks
    beanielou
    On the plus side, at least loan and mortgage will be cleared pre pension
    Originally posted by in need of direction
    This is true.
    Hope so as that is 11 years away!

    Would have only been 4 years but of course they changed the rules
    Believe it or not I will be better off with my state pension than i am now
    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. ***Be the difference.***
    • beanielou
    • By beanielou 12th Aug 18, 8:48 PM
    • 58,810 Posts
    • 243,934 Thanks
    beanielou
    Just catching up...sounds extremely good on the money front and lots of plans in place to give peace of mind. Well done you x
    Originally posted by brizzlegirl
    Thanks Brizzle
    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. ***Be the difference.***
    • lindez
    • By lindez 12th Aug 18, 9:25 PM
    • 400 Posts
    • 1,617 Thanks
    lindez
    just caught up with all your posts Beanie, I am with you on the pension front I would have been 6 months from mine now I have to go another 7 years !! I have subscribed hope that is ok x
    Payment A Day Chapter 18:
    MFWB#44
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