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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 1:19 PM
    • 62,685Posts
    • 272,085Thanks
    beanielou
    Baby steps to mortgage freedom for beanielou.
    • #1
    • 4th Nov 14, 1:19 PM
    Baby steps to mortgage freedom for beanielou. 4th Nov 14 at 1:19 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 400
    • taka
    • By taka 15th Apr 19, 4:38 PM
    • 3,230 Posts
    • 17,197 Thanks
    taka


    Hmmm now I want an egg...
    2019 MFW #51 £218.27/£500
    MFiT-5 no 45
    You can't fly with one foot on the ground!
    • beanielou
    • By beanielou 15th Apr 19, 5:15 PM
    • 62,685 Posts
    • 272,085 Thanks
    beanielou


    Hmmm now I want an egg...
    Originally posted by taka

    Very kindly passes taka an egg
    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.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Apr 19, 5:32 PM
    • 8,921 Posts
    • 69,520 Thanks
    HairyHandofDartmoor
    I hope you enjoyed the egg Beanie :.). Is your back any better?

    I will have a wooden shed to paint soon .
    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 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £50
    • beanielou
    • By beanielou 15th Apr 19, 5:39 PM
    • 62,685 Posts
    • 272,085 Thanks
    beanielou
    [QUOTE=HairyHandofDartmoor;75708248]I hope you enjoyed the egg Beanie :.). Is your back any better?

    I will have a wooden shed to paint soon .[/QUOTE]



    My back is slightly better.
    Still wincing when I move though
    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 15th Apr 19, 5:58 PM
    • 2,406 Posts
    • 13,058 Thanks
    milann
    I have eaten my weight in small eggs - no halo polishing here - ĎIíll just have one - there only little onesí WHO am I kidding......I blame the grandkids
    • beanielou
    • By beanielou 15th Apr 19, 7:00 PM
    • 62,685 Posts
    • 272,085 Thanks
    beanielou
    I have eaten my weight in small eggs - no halo polishing here - ĎIíll just have one - there only little onesí WHO am I kidding......I blame the grandkids
    Originally posted by milann


    Glad that it is not just me
    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 15th Apr 19, 10:11 PM
    • 62,685 Posts
    • 272,085 Thanks
    beanielou
    It is getting very windy here
    Anyway I am off to bedbordshire 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.***
    • WannabeFree
    • By WannabeFree 15th Apr 19, 10:29 PM
    • 3,510 Posts
    • 32,851 Thanks
    WannabeFree
    Its horrid here Beanie! Windy and cold! Have got the hot water bottles out

    Hope you get a good nights sleep and feel better tomorrow

    x
    ďOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.Ē
    • taka
    • By taka 16th Apr 19, 9:59 AM
    • 3,230 Posts
    • 17,197 Thanks
    taka
    Very kindly passes taka an egg
    Originally posted by beanielou
    Thank you! I've been good so far... I don't like creame eggs since they changed the choc a couple of years ago and nowhere near me sells lindt easter eggs (my fave) so I've not had any easter eggs so far. Twirls on the other hand...
    2019 MFW #51 £218.27/£500
    MFiT-5 no 45
    You can't fly with one foot on the ground!
    • in need of direction
    • By in need of direction 16th Apr 19, 12:13 PM
    • 5,696 Posts
    • 34,857 Thanks
    in need of direction
    or galaxy ripples
    Mortgage at 01.01.14 £119,481.83 today £69,283.91 target £65,000 by 05/04/19 Offset fund today £566.16 target £5,500 by 05/04/19
    Emergency fund £5,500/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 1lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 16th Apr 19, 1:53 PM
    • 62,685 Posts
    • 272,085 Thanks
    beanielou
    OOoh I used to really love galaxy ripples
    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 16th Apr 19, 2:03 PM
    • 2,406 Posts
    • 13,058 Thanks
    milann
    Iíve eaten more chocolate - WHY did I buy so many - I didnít need multi buys....I went round the supermarket like a mad woman with tinted grandma glasses on - kids have gone home - theyíre only allowed a bit of chocolate to take with them - leaving me with the rest- I reminded me of someone on those tv programmes with the fellas from master chef..... completely lost the plot!
    • beanielou
    • By beanielou 16th Apr 19, 2:18 PM
    • 62,685 Posts
    • 272,085 Thanks
    beanielou
    Been at the FB for less than an hour.
    A client was due to come so I could help them with something but they were a no show.
    Anyway home now & absolutly knackered.

    Had to buy milk as milk had gone off
    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 16th Apr 19, 2:20 PM
    • 62,685 Posts
    • 272,085 Thanks
    beanielou
    Iíve eaten more chocolate - WHY did I buy so many - I didnít need multi buys....I went round the supermarket like a mad woman with tinted grandma glasses on - kids have gone home - theyíre only allowed a bit of chocolate to take with them - leaving me with the rest- I reminded me of someone on those tv programmes with the fellas from master chef..... completely lost the plot!
    Originally posted by milann
    This is me too.
    My name is beanie & I am a sugar addict.
    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.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Apr 19, 4:12 PM
    • 8,921 Posts
    • 69,520 Thanks
    HairyHandofDartmoor
    I think most people are sugar addicts Beanie. I blame the supermarkets for selling it .
    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 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £50
    • RosaBernicia
    • By RosaBernicia 16th Apr 19, 6:45 PM
    • 3,842 Posts
    • 11,516 Thanks
    RosaBernicia
    My name is Rosa and my sugar consumption today (so far) includes two Galaxy caramels and a sugared coffee. And might well involve more chocolate later (no eggs atm though, waiting til they're cheap )
    Debt free May 2016
    MFW progress 6% ...
    Campervan loan progress 20%

    • beanielou
    • By beanielou 16th Apr 19, 7:44 PM
    • 62,685 Posts
    • 272,085 Thanks
    beanielou
    I have had two raspberry buns, handful mini eggs & some smaties chocolate.
    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.***
    • Sun Addict
    • By Sun Addict 16th Apr 19, 8:16 PM
    • 7,032 Posts
    • 51,067 Thanks
    Sun Addict
    You won't like me for saying this but I have been bought a Lindt Easter egg and a Lindt bunny with a bow and bell, no less, by bosses at work. They're in my wardrobe at the moment and I haven't been tempted - yet ...
    Virtual Sealed Pot 2019 £201.59
    Weight loss 7.5/9LBS
    Emergency Fund £3260/£10,000
    • Buffythedebtslayer
    • By Buffythedebtslayer 16th Apr 19, 8:23 PM
    • 15,553 Posts
    • 52,947 Thanks
    Buffythedebtslayer
    I have a Twirl Egg, Which to be honest I might give to my sister.

    I keep buying Match makers.

    And eating them.

    All.
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • beanielou
    • By beanielou 16th Apr 19, 8:42 PM
    • 62,685 Posts
    • 272,085 Thanks
    beanielou
    You won't like me for saying this but I have been bought a Lindt Easter egg and a Lindt bunny with a bow and bell, no less, by bosses at work. They're in my wardrobe at the moment and I haven't been tempted - yet ...
    Originally posted by Sun Addict
    Lucky lady
    Well done on resisting temptation 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.***
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