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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 2:19 PM
    • 59,924Posts
    • 251,258Thanks
    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 333
    • Sun Addict
    • By Sun Addict 12th Jan 19, 9:49 PM
    • 6,612 Posts
    • 46,759 Thanks
    Sun Addict
    Glad you enjoyed your day and the singing

    Can understand why you get cheesed off with the CP, must be so frustrating
    Virtual Sealed Pot 2019 £82.00
    Debt £1570
    Weight loss 0/9LBS
    Emergency Fund £3266.50/£10,000
    • beanielou
    • By beanielou 12th Jan 19, 9:58 PM
    • 59,924 Posts
    • 251,258 Thanks
    beanielou
    Well, no in your shoes, I'd be, let me see, a lot more than downright peeved! The muscle relaxants must make you very drowsy
    Originally posted by Karmacat
    They do Karmcat.
    Sometimes it is just so hard to get the balance
    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 Jan 19, 9:59 PM
    • 59,924 Posts
    • 251,258 Thanks
    beanielou
    Glad you enjoyed your day and the singing

    Can understand why you get cheesed off with the CP, must be so frustrating
    Originally posted by Sun Addict
    Thank you 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.***
    • milann
    • By milann 12th Jan 19, 10:30 PM
    • 2,130 Posts
    • 10,623 Thanks
    milann
    It sounds like you’ve had a lovely day apart from feeling groggy after your snooze.

    Have you thought of sending letters or articles to a magazine - you have a way with words and they pay if they’re published...long shot I know but could be interesting...and entering as many free competitions as you can - someone has to win.

    The craft idea sounds good if you’re that way inclined....I wouldn’t have an idea how to sell them on line though.
    • beanielou
    • By beanielou 12th Jan 19, 10:40 PM
    • 59,924 Posts
    • 251,258 Thanks
    beanielou
    Thanks Millan.
    I dont think I have a way with words but thank you for saying 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. ***Be the difference.***
    • earthgirl
    • By earthgirl 13th Jan 19, 8:08 AM
    • 2,312 Posts
    • 25,015 Thanks
    earthgirl
    I think your writing is great! I always thought I might write in to magazines but the last time I did it they rang me and asked me all sorts of squirmy questions so I said no.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k Travel savings £19,185
    • doingitanyway
    • By doingitanyway 13th Jan 19, 12:21 PM
    • 3,904 Posts
    • 22,292 Thanks
    doingitanyway
    Nice to read you had such a happy day yesterday.
    Singing with other people is so good for the soul
    • beanielou
    • By beanielou 13th Jan 19, 4:19 PM
    • 59,924 Posts
    • 251,258 Thanks
    beanielou
    It was just so awesome .
    Especially as one of my most dear friends had written the song and was conducting.
    We dont live near each other so when we see eachother it is truely special.
    I am so very fortunate to have some amazing friends.
    When I am struggling I need to remember 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. ***Be the difference.***
    • beanielou
    • By beanielou 13th Jan 19, 4:24 PM
    • 59,924 Posts
    • 251,258 Thanks
    beanielou
    Taking of dear friends I visited another dear friend today.
    88 years young yesterday.

    Then I popped in to the cemetry to 'see' another friend taken so suddenly & way way too young.
    Always remembered in my heart.


    Seize the day.
    Ubique.
    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.***
    • Karmacat
    • By Karmacat 13th Jan 19, 5:25 PM
    • 30,523 Posts
    • 178,063 Thanks
    Karmacat
    I think your writing is great! I always thought I might write in to magazines but the last time I did it they rang me and asked me all sorts of squirmy questions so I said no.
    Originally posted by earthgirl
    Oh my! What kind of questions, earthie?


    Nice to read you had such a happy day yesterday.
    Singing with other people is so good for the soul
    Originally posted by doingitanyway
    It's very uplifting, isn't it


    Taking of dear friends I visited another dear friend today.
    88 years young yesterday.

    Then I popped in to the cemetry to 'see' another friend taken so suddenly & way way too young.
    Always remembered in my heart.


    Seize the day.
    Ubique.
    Originally posted by beanielou
    Ah, beanie ... seize the day, you're right about that. It's why I'm trying to move forward with my stuff as fast as I can.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • RosaBernicia
    • By RosaBernicia 13th Jan 19, 5:38 PM
    • 3,669 Posts
    • 10,351 Thanks
    RosaBernicia
    Beanie, thank you for sharing about your singing - you've inspired me to go try out a group that is setting up near here in a few weeks time



    Rosa xx
    Debt free May 2016
    MFW progress 5% ...
    Campervan loan progress 14%

    • beanielou
    • By beanielou 13th Jan 19, 5:39 PM
    • 59,924 Posts
    • 251,258 Thanks
    beanielou
    Ubique is for my dad.
    7 years next month.
    Where dous the time go?
    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 13th Jan 19, 5:41 PM
    • 59,924 Posts
    • 251,258 Thanks
    beanielou
    Have done some hoovering with the new Shark.
    Very impressive other than I cant work out how to empty it.

    I bought some tablet & a big homemade custard cream today.
    Lush.
    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 13th Jan 19, 5:42 PM
    • 59,924 Posts
    • 251,258 Thanks
    beanielou
    Starting to get a tad worried about the weather being forecast.
    Please dont be as bad as they say.
    Thank you.
    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 13th Jan 19, 5:50 PM
    • 59,924 Posts
    • 251,258 Thanks
    beanielou
    Beanie, thank you for sharing about your singing - you've inspired me to go try out a group that is setting up near here in a few weeks time



    Rosa xx
    Originally posted by RosaBernicia
    Thanks.
    I really cant sing but I really do love it.
    The video is now online

    For anyone wanting to listen to a decent version this is it ( Not from yesterday!)

    https://www.youtube.com/watch?v=xLpNOf_Dah4
    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 13th Jan 19, 5:52 PM
    • 9,376 Posts
    • 57,589 Thanks
    please-let-me-be-lucky
    Can you YouTube/google how to empty the Shark?

    Hope you bought enought tablet and custard cream to keep you going if the weather is as bad as you fear Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 41/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 13th Jan 19, 6:09 PM
    • 59,924 Posts
    • 251,258 Thanks
    beanielou
    Can you YouTube/google how to empty the Shark?

    Hope you bought enought tablet and custard cream to keep you going if the weather is as bad as you fear Xx
    Originally posted by please-let-me-be-lucky
    Great idea on You Tube

    Cant be trusted with the tablet or custard creams sadly

    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.***
    • teapot2
    • By teapot2 13th Jan 19, 6:38 PM
    • 1,676 Posts
    • 5,459 Thanks
    teapot2
    Glad you had a good day yesterday with singing etc. Tablet and custard cream yuumm

    I saw the weather forecast for week after next late last night on the BBC and it doesn't sound like good news though I know they don't like to forecast more than about 5 days ahead normally . I'm going to stock up a bit just in case as no way I could go out on ice or snow at the moment
    • beanielou
    • By beanielou 13th Jan 19, 6:53 PM
    • 59,924 Posts
    • 251,258 Thanks
    beanielou
    What are we like teapot.
    I just cant walk on it at all

    I need to at least get the end of Wednesday so I really hope that I can as I have stuff to do re charity winddown & keys are to be returned this coming week.Bah.
    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.***
    • teapot2
    • By teapot2 13th Jan 19, 7:24 PM
    • 1,676 Posts
    • 5,459 Thanks
    teapot2
    Fingers crossed you can get all that done with no problems. I imagine its a bit of a sad task as well?

    Re your earlier posts about raising some cash. This might be complete havers but I was wondering about mystery shopping? I've never done it and not even sure if its still a 'thing'. Might be worth considering if you are near a city?
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