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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 57,965Posts
    • 238,475Thanks
    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. MFW 2018. No 144
Page 281
    • beanielou
    • By beanielou 13th Sep 18, 11:13 AM
    • 57,965 Posts
    • 238,475 Thanks
    beanielou
    Sounds like you've had a good day -Indian followed by smarties - got to admit I'd rather have the smarties as I'm not a spice lover.

    Glad to hear your not too sore after your
    Originally posted by milann
    Not a spice lover either.
    I just have something really mild.
    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. MFW 2018. No 144
    • Karmacat
    • By Karmacat 13th Sep 18, 12:18 PM
    • 30,031 Posts
    • 174,038 Thanks
    Karmacat
    How you doing, beanie?
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 13th Sep 18, 12:53 PM
    • 57,965 Posts
    • 238,475 Thanks
    beanielou
    How you doing, beanie?
    Originally posted by Karmacat
    Plodding on, just plodding on.

    It is cold here & I currently have two fleeces on.
    No heating on til October at the earlist
    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. MFW 2018. No 144
    • abba1772
    • By abba1772 13th Sep 18, 5:44 PM
    • 5,327 Posts
    • 19,344 Thanks
    abba1772
    Plodding on, just plodding on.

    It is cold here & I currently have two fleeces on.
    No heating on til October at the earlist
    Originally posted by beanielou
    I said the same thing to hubby about the heating
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £0
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £12108.89
    • beanielou
    • By beanielou 13th Sep 18, 5:46 PM
    • 57,965 Posts
    • 238,475 Thanks
    beanielou
    I said the same thing to hubby about the heating
    Originally posted by abba1772
    Great minds
    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. MFW 2018. No 144
    • beanielou
    • By beanielou 13th Sep 18, 5:48 PM
    • 57,965 Posts
    • 238,475 Thanks
    beanielou
    Can anyone help?
    I am looking for extra fine thermal gloves that I can use when reading or typing.
    All the ones I have seen have been quite thick.
    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. MFW 2018. No 144
    • Cumbria lass
    • By Cumbria lass 14th Sep 18, 7:37 AM
    • 2,386 Posts
    • 14,695 Thanks
    Cumbria lass
    Morning Beanie, my mum has glove liners they are slightly less bulky than gloves , obviously meant to go under a glove. Try googling glove liner , think mums were from eBay. She wears them in the house in winter when her arthritis is bad.

    I am with you on the heating , I have challenged myself not to have it on yet , trying for October as well.

    Hope you are ok.
    CC1 £3500 Nov 2018.
    • beanielou
    • By beanielou 14th Sep 18, 8:10 PM
    • 57,965 Posts
    • 238,475 Thanks
    beanielou
    THanks CL

    Struggling a lot at the moment to motivate myself.

    Am finding it cold.

    A friend took me to a fairly local outlet so I got some birthday cards & a couple of teeny things for DS's birthday so am pleased with that.
    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. MFW 2018. No 144
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Sep 18, 8:55 PM
    • 5,682 Posts
    • 39,958 Thanks
    HairyHandofDartmoor
    I want to hold off until November with the heating if I can. The blankets have come out for the evenings but it's not too cold here. Hope you manage to stay warm.
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • milann
    • By milann 14th Sep 18, 9:28 PM
    • 1,985 Posts
    • 9,629 Thanks
    milann
    Wow November is brave HOD....

    Whatever happened to all the good weather leading to an Indian summer they were talking about a few weeks ago.

    Stay warm Beanie
    • mummytogirls
    • By mummytogirls 15th Sep 18, 9:59 AM
    • 6,307 Posts
    • 23,719 Thanks
    mummytogirls
    Hope the weather warms back up so we can all keep the heating off as long as possible Beanie!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • Karmacat
    • By Karmacat 15th Sep 18, 10:06 AM
    • 30,031 Posts
    • 174,038 Thanks
    Karmacat
    Am finding it cold.
    Originally posted by beanielou
    It *is* cold!


    Hope the weather warms back up so we can all keep the heating off as long as possible Beanie!! xx
    Originally posted by mummytogirls

    Me too - the south east of the UK, including up to the East Midlands, is supposed to probably get warmer next week because of ex-hurricane Helene, which is weird, but we'll see!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Sep 18, 6:21 PM
    • 5,682 Posts
    • 39,958 Thanks
    HairyHandofDartmoor
    Fingers crossed for warmer weather and no heating.
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • doingitanyway
    • By doingitanyway 15th Sep 18, 7:30 PM
    • 3,518 Posts
    • 19,411 Thanks
    doingitanyway
    I like the idea of thin thermal gloves.

    Turtledoves have fingerless gloves that are gorgeous but pricey but nice if someone wants to treat you (recycled cashmere) I will be WFH over the winter so I plan on some thermals, lap blanket, a hot water bottle, a hat and fingerless gloves. I will look delightful (not)

    Have a lovely weekend Beanie
    Emergency fund 1060/1000
    NSD November 5/30
    • in need of direction
    • By in need of direction 15th Sep 18, 9:57 PM
    • 5,333 Posts
    • 31,590 Thanks
    in need of direction
    When I wfh last winter, it was in a onesie
    Mortgage at 01.01.14 £119,481.83 today £72,374.15, target £65,000 by 31/12/18 Offset fund today £377.27 target £5,500 by 31/12/18
    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.
    • beanielou
    • By beanielou 18th Sep 18, 5:31 PM
    • 57,965 Posts
    • 238,475 Thanks
    beanielou
    Some help please

    I am looking for a really warm & cosy fleece.
    Any ideas please?

    Thanks
    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. MFW 2018. No 144
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 18th Sep 18, 6:33 PM
    • 9,140 Posts
    • 55,015 Thanks
    please-let-me-be-lucky
    Some help please

    I am looking for a really warm & cosy fleece.
    Any ideas please?

    Thanks
    Originally posted by beanielou
    GoOutdoors, Snow and Rock (probably expensive), Primark (probably the menís department not the womenís), eBay, charity shops, Army & Navy surplus, Matalan Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 38/60
    Best win so far - holiday to Florida
    • Cumbria lass
    • By Cumbria lass 18th Sep 18, 9:04 PM
    • 2,386 Posts
    • 14,695 Thanks
    Cumbria lass
    My cosy fleece is from M&S , my walking ones from Mountain Warehouse.

    The weather has been lovely today, but just a fluke I am sure.
    CC1 £3500 Nov 2018.
    • beanielou
    • By beanielou 18th Sep 18, 9:24 PM
    • 57,965 Posts
    • 238,475 Thanks
    beanielou
    Thanks Lucky & CL.

    The weather was very mixed today.
    Very windy, torrential rain but also ok in bits.

    Poured another kettle over the weeds!!
    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. MFW 2018. No 144
    • milann
    • By milann 18th Sep 18, 10:16 PM
    • 1,985 Posts
    • 9,629 Thanks
    milann
    Good luck with the fleece. I got mine from Go Outdoors - I had a job finding one with sleeves that fitted me - most the arms are too long
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