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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 57,421Posts
    • 235,061Thanks
    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 269
    • milann
    • By milann 12th Aug 18, 9:30 PM
    • 1,938 Posts
    • 9,320 Thanks
    milann
    So will you be 67 before you can get your pension? Tis a bad state of affairs....
    • beanielou
    • By beanielou 12th Aug 18, 9:41 PM
    • 57,421 Posts
    • 235,061 Thanks
    beanielou
    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
    Originally posted by lindez

    Yes, lovely to see you

    Blimey, only 6 months & now 7 years.
    That would make me cry
    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, 9:43 PM
    • 57,421 Posts
    • 235,061 Thanks
    beanielou
    So will you be 67 before you can get your pension? Tis a bad state of affairs....
    Originally posted by milann
    Yes, will be 67 as it stands now.
    So 11 years and some days
    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
    • Busy Mee1
    • By Busy Mee1 13th Aug 18, 7:41 AM
    • 691 Posts
    • 3,200 Thanks
    Busy Mee1
    Gosh Beanie I am just catching up this morning and your diary moves sooo quickly. There were lots of pages to catch up on, you have so many visitors.
    I hear you on the pension front Beanie, I don't get mine until I am 68. If I had to carry on working until the age of 68 I would have worked for 51 years !!

    I cannot imagine having the energy and resilience to still be doing my job for another 14 years....it is getting harder now.

    I feel sorry for the younger generation, they are going to be working for a very long time.
    • Karmacat
    • By Karmacat 13th Aug 18, 9:23 AM
    • 29,864 Posts
    • 172,547 Thanks
    Karmacat
    Yep, with you all on the pension front. I'm 3.5 years in to the six year delay on my pension - the delay started as 5 years, and then they increased it again to 6. That was the *most* horrible, having two changes
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 13th Aug 18, 6:24 PM
    • 57,421 Posts
    • 235,061 Thanks
    beanielou
    Yep, with you all on the pension front. I'm 3.5 years in to the six year delay on my pension - the delay started as 5 years, and then they increased it again to 6. That was the *most* horrible, having two changes
    Originally posted by Karmacat
    That is horrid

    I have this horrid feeling they will move the goal posts again
    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 13th Aug 18, 6:25 PM
    • 57,421 Posts
    • 235,061 Thanks
    beanielou
    It is cold dreich & miserable here today.
    Off too find my socks
    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 13th Aug 18, 6:42 PM
    • 9,061 Posts
    • 54,295 Thanks
    please-let-me-be-lucky
    It is cold dreich & miserable here today.
    Off too find my socks
    Originally posted by beanielou
    Hope you found them.

    I’m debating putting the heating on to get some washing dried . In August!!!! Wouldn’t normally bother but have tons of washing after hols and, well, because I have boys!!!
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 37/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 13th Aug 18, 6:51 PM
    • 57,421 Posts
    • 235,061 Thanks
    beanielou
    My socks are all a bit past it.
    Maybe that cats will buy some for my birthday
    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 13th Aug 18, 6:55 PM
    • 57,421 Posts
    • 235,061 Thanks
    beanielou
    Oh & someone in the villiage next to me has one a gold medal in the European Champianships
    Well done Laura Muir
    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 13th Aug 18, 6:56 PM
    • 57,421 Posts
    • 235,061 Thanks
    beanielou
    Hope you found them.

    I’m debating putting the heating on to get some washing dried . In August!!!! Wouldn’t normally bother but have tons of washing after hols and, well, because I have boys!!!
    Originally posted by please-let-me-be-lucky


    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
    • Butti
    • By Butti 13th Aug 18, 9:12 PM
    • 4,696 Posts
    • 12,928 Thanks
    Butti
    My socks are all a bit past it.
    Maybe that cats will buy some for my birthday
    Originally posted by beanielou
    That's it....she's turned into crazy cat lady....knew it wouldn't take long!
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S MOB
    • beanielou
    • By beanielou 13th Aug 18, 9:26 PM
    • 57,421 Posts
    • 235,061 Thanks
    beanielou
    That's it....she's turned into crazy cat lady....knew it wouldn't take long!
    Originally posted by Butti
    Watch it
    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
    • Sun Addict
    • By Sun Addict 14th Aug 18, 8:31 PM
    • 6,230 Posts
    • 42,650 Thanks
    Sun Addict
    Thought as much
    Virtual Sealed Pot 2018 £404.08
    Debt £2180
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • beanielou
    • By beanielou 14th Aug 18, 9:23 PM
    • 57,421 Posts
    • 235,061 Thanks
    beanielou
    Well a truely dire morning & day.
    I woke out this morning with my back in spasm & boy was it bad.
    Couldent get out of bed without horrendous pain.
    Managed to crawl to the front door which took me about half an hour.
    Had to get key out of the door scould get in.
    Had phoned DS & he came through to help.
    Could not get off the floor for about two hours.
    Phone calls to chemist , doctor & ambulance service.
    So this is how I will be as I get auld.
    I can only move using zimmer & wheelchair.

    Days like this I just feel I deserve every penny from DLA & PIP
    If anyone wants to judge me for that then so be it.

    MY DS & his GF have been stars. It wasent pretty or nice.
    DS had to cancel a supervision with his dissertation superviser.
    I feel so bad about that as things are getting tight for him timewise.
    Is all.
    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 14th Aug 18, 9:29 PM
    • 9,061 Posts
    • 54,295 Thanks
    please-let-me-be-lucky
    Sorry today has been pants.
    Glad DS and GF could help. They won’t have minded at all.
    Can you leave key out of the door in future? A hook on wall or something?
    Sending big squidgy but very gentle hugs.
    And socks Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 37/60
    Best win so far - holiday to Florida
    • julicorn
    • By julicorn 14th Aug 18, 9:50 PM
    • 363 Posts
    • 1,282 Thanks
    julicorn
    So sorry to hear you had a rubbish day today. Sending hugs! Also, DS and his GF sound like great people.
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Current: £189,600
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Aug 18, 11:51 PM
    • 15,313 Posts
    • 51,105 Thanks
    Buffythedebtslayer
    Oh Beanie. How bloody awful.

    sorry to be so late to the diary. I am glad DS and GF were good tho. That is a relief.

    I hope tomorrow is a better day for you XXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Busy Mee1
    • By Busy Mee1 15th Aug 18, 6:16 AM
    • 691 Posts
    • 3,200 Thanks
    Busy Mee1
    Beanie that sounds awful. Hope you are feeling better soon xx
    • in need of direction
    • By in need of direction 15th Aug 18, 8:30 AM
    • 5,275 Posts
    • 31,113 Thanks
    in need of direction
    What about an external key safe accessible only after inputting code? It does mean that you can't leave you keys in the lock.
    Mortgage at 01.01.14 £119,481.83 today £74,121.52, target £65,000 by 31/12/18 Offset fund today £307.27 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.
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