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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 1:19 PM
    • 63,171Posts
    • 277,719Thanks
    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 421
    • beanielou
    • By beanielou 16th May 19, 9:04 PM
    • 63,171 Posts
    • 277,719 Thanks
    beanielou
    MSE is important but your well being is more so. You NEED to get out and about for your well being - MSE is plodding along and will get there - you need the scooter to get you about and keep you socialising and doing the things you need to do.
    Originally posted by milann
    Yes, I know.
    But the CC is so near to being paid off & I think I am going to have to do a money transfer to top up the money that I currently have.
    I said I would not do this but there you have it
    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.***
    • in need of direction
    • By in need of direction 16th May 19, 9:45 PM
    • 5,759 Posts
    • 35,465 Thanks
    in need of direction
    Do you know that good procurement systems are supposed to deliver most economically advantageous and not just cheapest. For me, you getting the right scooter will give you an independence that might even reduce short car journeys and help save the environment, the nhs from having to fund health initiatives if you end up completely isolated and depressed etc. This is not a frivolous spend.
    Mortgage at 01.01.14 £119,481.83 today £68,638.17 target £65,000 by 05/04/19 Offset fund today £616.16 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 May 19, 9:56 PM
    • 63,171 Posts
    • 277,719 Thanks
    beanielou
    Do you know that good procurement systems are supposed to deliver most economically advantageous and not just cheapest. For me, you getting the right scooter will give you an independence that might even reduce short car journeys and help save the environment, the nhs from having to fund health initiatives if you end up completely isolated and depressed etc. This is not a frivolous spend.
    Originally posted by in need of direction
    No not a frivolous spend,just a sad one.
    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.***
    • Pooky
    • By Pooky 17th May 19, 5:11 AM
    • 6,876 Posts
    • 44,818 Thanks
    Pooky
    But it's not a negative thing, it's a positive thing. It's not sad that you can have a better quality of life, it's not sad that you'll have more confidence getting out and about. There's a solution out there for you and that's brilliant.

    It's not giving up or giving in, it's moving on with the rest of your life in a positive way. The time to be sad is when there's no options left.

    DH didn't want to use a mobility scooter in his late 30's but after realising just how much life it opened back up to him, he was away and scooting! As you've seen, we get up to all sorts, without the scooters I think he'd have done something silly by now. Being able to get out and about independently and safely is a huge thing, a really positive thing.
    "Start every day off with a smile and get it over with" - W. C. Field.
    • lucielle
    • By lucielle 17th May 19, 6:50 AM
    • 8,134 Posts
    • 34,965 Thanks
    lucielle
    My Mum got a scooter and it opened up a whole new world for her. She enjoyed tormenting my step dad by keep moving the speed setting from tortoise to hare!

    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
    • in need of direction
    • By in need of direction 17th May 19, 6:51 AM
    • 5,759 Posts
    • 35,465 Thanks
    in need of direction
    I think it’s great that you still have so many reasons to be out and about.
    Mortgage at 01.01.14 £119,481.83 today £68,638.17 target £65,000 by 05/04/19 Offset fund today £616.16 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.
    • teafor2
    • By teafor2 17th May 19, 7:28 AM
    • 1,588 Posts
    • 12,219 Thanks
    teafor2
    Morning Beanie I agree with everything everybody has said about getting the scooter. But I also understand how you must feel about the whole situation. However, that feeling is stemming from where you're sat now. I'm sure when you get it and you're whizzing around doing whatever you want to do whenever you want to do it, you'll look back and think, should have got one sooner.

    I really wouldn't worry about the money. Clearing the CC is great but you know you're disciplined enough to do that while also paying down the mortgage and other things. This is a spend that's worth so much more than just money.

    Have a lovely day. xx
    • gallygirl
    • By gallygirl 17th May 19, 7:29 AM
    • 16,777 Posts
    • 110,542 Thanks
    gallygirl
    [/B]


    So my current aim is to buy a second hand one for getting about locally.
    So not not giving in but enabling.

    But certainly not MSE.
    Originally posted by beanielou
    I COMPLETELY disagree with you beanie . MSE is not about not spending money, but thought-out spending done as economically as possible.



    I hope it brings you freedom .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • Butti
    • By Butti 17th May 19, 7:44 AM
    • 4,888 Posts
    • 14,125 Thanks
    Butti
    Do you know that good procurement systems are supposed to deliver most economically advantageous and not just cheapest. For me, you getting the right scooter will give you an independence that might even reduce short car journeys and help save the environment, the nhs from having to fund health initiatives if you end up completely isolated and depressed etc. This is not a frivolous spend.
    Originally posted by in need of direction
    I have to say I think this is a great post
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% off mortgage
    '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
    • Butti
    • By Butti 17th May 19, 7:48 AM
    • 4,888 Posts
    • 14,125 Thanks
    Butti
    But it's not a negative thing, it's a positive thing. It's not sad that you can have a better quality of life, it's not sad that you'll have more confidence getting out and about. There's a solution out there for you and that's brilliant.

    It's not giving up or giving in, it's moving on with the rest of your life in a positive way. The time to be sad is when there's no options left.

    DH didn't want to use a mobility scooter in his late 30's but after realising just how much life it opened back up to him, he was away and scooting! As you've seen, we get up to all sorts, without the scooters I think he'd have done something silly by now. Being able to get out and about independently and safely is a huge thing, a really positive thing.
    Originally posted by Pooky
    .....and I love this one too, although Pooky always did talk sense. Cmon Beanie, get your head in the right place and get on with it. Spending money wisely is good but you don't want to go down the route of it being a false economy. Buy what is best for you.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% off mortgage
    '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
    • milann
    • By milann 17th May 19, 5:23 PM
    • 2,510 Posts
    • 14,373 Thanks
    milann
    Beanie once you get a scooter I suspect you will wonder how you ever managed without it - it will make such a difference.
    Something I asked a family member who struggled going from walking gingerly to using wheels - ‘if you see somebody on a scooter - would you think less of them because of it....?
    Be kind to yourself Mrs
    • beanielou
    • By beanielou 17th May 19, 6:13 PM
    • 63,171 Posts
    • 277,719 Thanks
    beanielou
    Wise words my friends
    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 17th May 19, 8:36 PM
    • 2,581 Posts
    • 27,211 Thanks
    earthgirl
    Also coming on to give my support, your freedom and mental health are very valuable - more valuable than money.

    But I understand it's a tough one for you, and I just wanted to give you a hug too x
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    50 Frugal Living Tips that Really Work : https://youtu.be/eBorBymXXCQ

    Budget for May - Real Figures: https://youtu.be/vu8h_RW6TIY
    • beanielou
    • By beanielou 17th May 19, 8:43 PM
    • 63,171 Posts
    • 277,719 Thanks
    beanielou
    Also coming on to give my support, your freedom and mental health are very valuable - more valuable than money.

    But I understand it's a tough one for you, and I just wanted to give you a hug too x
    Originally posted by earthgirl
    Thank you x
    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 17th May 19, 8:45 PM
    • 63,171 Posts
    • 277,719 Thanks
    beanielou
    But it's not a negative thing, it's a positive thing. It's not sad that you can have a better quality of life, it's not sad that you'll have more confidence getting out and about. There's a solution out there for you and that's brilliant.

    It's not giving up or giving in, it's moving on with the rest of your life in a positive way. The time to be sad is when there's no options left.

    DH didn't want to use a mobility scooter in his late 30's but after realising just how much life it opened back up to him, he was away and scooting! As you've seen, we get up to all sorts, without the scooters I think he'd have done something silly by now. Being able to get out and about independently and safely is a huge thing, a really positive thing.
    Originally posted by Pooky
    I get this I really do.
    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.***
    • Karmacat
    • By Karmacat 17th May 19, 8:45 PM
    • 31,460 Posts
    • 185,486 Thanks
    Karmacat
    Oh my word. Beanie - listen to your friends, and the variety and depth of what everyone's saying. Let it seep in, and then go for it.
    xxx
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 17th May 19, 8:47 PM
    • 63,171 Posts
    • 277,719 Thanks
    beanielou
    I think it’s great that you still have so many reasons to be out and about.
    Originally posted by in need of direction

    You are right.
    I do try hard to do my bits & bobs & get out.
    Good for my mental health.
    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 17th May 19, 8:48 PM
    • 63,171 Posts
    • 277,719 Thanks
    beanielou
    Morning Beanie I agree with everything everybody has said about getting the scooter. But I also understand how you must feel about the whole situation. However, that feeling is stemming from where you're sat now. I'm sure when you get it and you're whizzing around doing whatever you want to do whenever you want to do it, you'll look back and think, should have got one sooner.

    I really wouldn't worry about the money. Clearing the CC is great but you know you're disciplined enough to do that while also paying down the mortgage and other things. This is a spend that's worth so much more than just money.

    Have a lovely day. xx
    Originally posted by teafor2
    I get this.
    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.***
    • beanielou
    • By beanielou 17th May 19, 8:50 PM
    • 63,171 Posts
    • 277,719 Thanks
    beanielou
    I COMPLETELY disagree with you beanie . MSE is not about not spending money, but thought-out spending done as economically as possible.



    I hope it brings you freedom .
    Originally posted by gallygirl
    I hope it does bring me more freedom.
    I think it just goes against the grain to add to my debt when I have tried so hard to get rid of it.
    But, I do know it makes sense.
    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 17th May 19, 8:52 PM
    • 63,171 Posts
    • 277,719 Thanks
    beanielou
    .....and I love this one too, although Pooky always did talk sense. Cmon Beanie, get your head in the right place and get on with it. Spending money wisely is good but you don't want to go down the route of it being a false economy. Buy what is best for you.
    Originally posted by Butti
    Yes, Butti
    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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