Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 56,138Posts
    • 226,896Thanks
    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 268
    • beanielou
    • By beanielou 10th Aug 18, 3:45 PM
    • 56,138 Posts
    • 226,896 Thanks
    beanielou
    Well done beanie! That sounds a really good deal. Hopefully it will give you some peace of mind too
    Originally posted by Karmacat
    Thank you.
    I really hope so.
    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
    • doingitanyway
    • By doingitanyway 10th Aug 18, 5:38 PM
    • 3,229 Posts
    • 17,173 Thanks
    doingitanyway
    Huge frog eaten there Beanie. You can breathe out now
    Well done.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 10th Aug 18, 6:11 PM
    • 56,138 Posts
    • 226,896 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 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
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 10th Aug 18, 8:09 PM
    • 8,935 Posts
    • 52,714 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 32/60
    Best win so far - holiday to Florida
    • milann
    • By milann 10th Aug 18, 8:16 PM
    • 1,827 Posts
    • 8,580 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
    • 56,138 Posts
    • 226,896 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 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 10th Aug 18, 9:09 PM
    • 56,138 Posts
    • 226,896 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 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 10th Aug 18, 9:59 PM
    • 56,138 Posts
    • 226,896 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 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
    • julicorn
    • By julicorn 10th Aug 18, 9:59 PM
    • 197 Posts
    • 797 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: 193,300
    • Sun Addict
    • By Sun Addict 10th Aug 18, 10:10 PM
    • 5,979 Posts
    • 40,007 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 2018 376.59
    Debt 2240
    Weight loss 2/6LBS
    Emergency Fund 4000/10,000
    • beanielou
    • By beanielou 10th Aug 18, 10:29 PM
    • 56,138 Posts
    • 226,896 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 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 11th Aug 18, 10:46 AM
    • 1,827 Posts
    • 8,580 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
    • 56,138 Posts
    • 226,896 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 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
    • mummytogirls
    • By mummytogirls 12th Aug 18, 10:19 AM
    • 6,243 Posts
    • 23,062 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
    • 1,827 Posts
    • 8,580 Thanks
    milann
    Beanie you are leading me astray
    • in need of direction
    • By in need of direction 12th Aug 18, 11:58 AM
    • 5,194 Posts
    • 30,363 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 74,745.76, target 65,000 by 31/12/18 Offset fund today 297.27 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.
    • brizzlegirl
    • By brizzlegirl 12th Aug 18, 12:22 PM
    • 326 Posts
    • 2,050 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 25% [29%May 25%June 15%July ] 2018 Income Goal 76/750 August Goals: AFDs 7/25; Decluttering 05/60; LSDs xx/10; NSDs xx/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 12th Aug 18, 8:43 PM
    • 56,138 Posts
    • 226,896 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 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 12th Aug 18, 8:47 PM
    • 56,138 Posts
    • 226,896 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 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 12th Aug 18, 8:48 PM
    • 56,138 Posts
    • 226,896 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 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
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,968Posts Today

8,818Users online

Martin's Twitter
  • Ta ta... for now. This August, as I try and do every few yrs, I'm lucky enough to be taking a sabbatical. No work,? https://t.co/Xx4R3eLhFG

  • RT @lethalbrignull: @MartinSLewis I've been sitting here for a good while trying to decide my answer to this, feeling grateful for living i?

  • Early days but currently it's exactly 50 50 in liberality v democracy, with younger people more liberal, older more? https://t.co/YwJr4izuIj

  • Follow Martin