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  • FIRST POST
    • beanielou
    • By beanielou 4th Nov 14, 1:19 PM
    • 66,940Posts
    • 302,933Thanks
    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. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
Page 436
    • beanielou
    • By beanielou 13th Jun 19, 8:02 PM
    • 66,940 Posts
    • 302,933 Thanks
    beanielou
    Sounds good all things considered!

    Glad the foodbank has more stock Xx
    Originally posted by please-let-me-be-lucky
    That's great that ds helped so much!
    Glad vets was ok.
    Originally posted by earthgirl
    Thank you both xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • beanielou
    • By beanielou 13th Jun 19, 8:08 PM
    • 66,940 Posts
    • 302,933 Thanks
    beanielou
    I've put the heating on today. I'm not happy about it at all but it's cold and LMG isn't well (tonsillitis).
    Originally posted by girlatplay
    It is cold.
    Hope that LMG is on the mend soon
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • jonsay
    • By jonsay 13th Jun 19, 8:28 PM
    • 3 Posts
    • 14 Thanks
    jonsay
    13 years into my mortgage and finally started overpaying.... Good grief its taken a long time to be able to....
    • beanielou
    • By beanielou 13th Jun 19, 8:44 PM
    • 66,940 Posts
    • 302,933 Thanks
    beanielou
    13 years into my mortgage and finally started overpaying.... Good grief its taken a long time to be able to....
    Originally posted by jonsay
    The important thing though is that you have started now
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • beanielou
    • By beanielou 14th Jun 19, 8:46 PM
    • 66,940 Posts
    • 302,933 Thanks
    beanielou
    Master J at the vet today to get his claws done.
    Hopefully wont be there for a while now!!
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • teapot2
    • By teapot2 14th Jun 19, 9:07 PM
    • 2,501 Posts
    • 10,745 Thanks
    teapot2
    So glad best boy got on ok at the vets, sounds like he had exactly the same MOT as big old furry boy . BOFB also has renal probs and is on a special diet for it which I buy online as its cheaper.

    Hope you have a good weekend x
    • beanielou
    • By beanielou 14th Jun 19, 9:30 PM
    • 66,940 Posts
    • 302,933 Thanks
    beanielou
    So glad best boy got on ok at the vets, sounds like he had exactly the same MOT as big old furry boy . BOFB also has renal probs and is on a special diet for it which I buy online as its cheaper.

    Hope you have a good weekend x
    Originally posted by teapot2
    Yes, sounds very similar & a very similar price too.
    He has also been advised to have a special diet.
    Is BOFBís Hills?

    Have a fab weekend too😊. Xx

    I am going to a celebration picnic tomorrow 😊
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • teapot2
    • By teapot2 15th Jun 19, 8:42 AM
    • 2,501 Posts
    • 10,745 Thanks
    teapot2
    Yes, sounds very similar & a very similar price too.
    He has also been advised to have a special diet.
    Is BOFBís Hills?

    Have a fab weekend too😊. Xx

    I am going to a celebration picnic tomorrow 😊
    Originally posted by beanielou
    No not Hills, BOFB has Royal Canin Renal which I buy online from Zoo Plus. He has both the wet and dry food. Its not cheap . he has 6 monthly blood tests and over the last few years, it hasn't got any worse [fingers crossed emoji].

    Enjoy the picnic, sounds fun and hopefully the weather behaves
    • beanielou
    • By beanielou 15th Jun 19, 9:31 AM
    • 66,940 Posts
    • 302,933 Thanks
    beanielou
    No not Hills, BOFB has Royal Canin Renal which I buy online from Zoo Plus. He has both the wet and dry food. Its not cheap . he has 6 monthly blood tests and over the last few years, it hasn't got any worse [fingers crossed emoji].

    Enjoy the picnic, sounds fun and hopefully the weather behaves
    Originally posted by teapot2
    I was given a trial size of Hills renal.

    Have a lovely weekend.
    I am looking forward to the picnic
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • edinburgher
    • By edinburgher 15th Jun 19, 10:16 AM
    • 11,530 Posts
    • 61,641 Thanks
    edinburgher
    Oh Beanie - you've been having a torrid time of it

    As is my custom, I've gone back over 10 pages to catch up and it just seemed to be getting worse and worse! I am so glad that you have reverted to using smiley faces over the last couple of days, there is light at the end of the tunnel

    I am scunnered at your comments re. FB getting busier all the time. I wouldn't consider myself to be overly political, but I can't see Br3xit improving things in terms of wealth and security for normal people. When I was taking the plane back from Malta there was a Daily M@il? article/opinion piece that someone a few rows in front of me was reading suggesting that nobody in the UK lives in "real" poverty. I felt like setting their newspaper on fire

    RIP fur baby - I hope you get to avoid the vet for a while

    Also, late to the party I know, but never assume for one moment that bad things happen to you because you're a bad person or deserve them. Bad things happen because they do. When I was younger, I used to feel that the worst things happened to the kindest people, but I can see now that that was a fairly childish view. Bad things happen to all of us, we just feel more empathy when they happen to people that we know are lovely
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Jun 19, 12:39 PM
    • 10,531 Posts
    • 84,182 Thanks
    HairyHandofDartmoor
    I agree with Edinburgher about caring more about bad things happening to nice people, and also about real poverty existing. I'd have wanted to set fire to the newspaper too .

    I hope you enjoy your picnic Beanie and I'm glad best boy got on all right at the vet .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = £3,000/£5,000. EMERGENCY FUND 2 = £2,005/£5,000.
    CHRISTMAS SAVINGS = £159.37/£500
    PREMIUM BONDS ME = £200. PREMIUM BONDS DH = £200
    • teapot2
    • By teapot2 15th Jun 19, 1:18 PM
    • 2,501 Posts
    • 10,745 Thanks
    teapot2
    I was given a trial size of Hills renal.
    Originally posted by beanielou
    Zoo plus do the Hills as well, might be worth looking online at various sites as food seems more expensive via the vets.
    • milann
    • By milann 15th Jun 19, 3:17 PM
    • 2,959 Posts
    • 18,328 Thanks
    milann
    Enjoy your picnic - hope the weather near you is better than ours. Itís not as bad as last week but has rained on and off all day.
    • beanielou
    • By beanielou 15th Jun 19, 6:51 PM
    • 66,940 Posts
    • 302,933 Thanks
    beanielou
    Oh Beanie - you've been having a torrid time of it

    As is my custom, I've gone back over 10 pages to catch up and it just seemed to be getting worse and worse! I am so glad that you have reverted to using smiley faces over the last couple of days, there is light at the end of the tunnel

    I am scunnered at your comments re. FB getting busier all the time. I wouldn't consider myself to be overly political, but I can't see Br3xit improving things in terms of wealth and security for normal people. When I was taking the plane back from Malta there was a Daily M@il? article/opinion piece that someone a few rows in front of me was reading suggesting that nobody in the UK lives in "real" poverty. I felt like setting their newspaper on fire

    RIP fur baby - I hope you get to avoid the vet for a while

    Also, late to the party I know, but never assume for one moment that bad things happen to you because you're a bad person or deserve them. Bad things happen because they do. When I was younger, I used to feel that the worst things happened to the kindest people, but I can see now that that was a fairly childish view. Bad things happen to all of us, we just feel more empathy when they happen to people that we know are lovely
    Originally posted by edinburgher
    Yes, things have been a tad rough it has to be said.
    Anyway I am still standing ( & falling)
    Anyone who thinks no one lives in poverty needs to spend one day in a food bank & they will see things very differently.
    When people come in & are grabbing biscuits from the table because they are so hungry it is a very real reality
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • beanielou
    • By beanielou 15th Jun 19, 6:58 PM
    • 66,940 Posts
    • 302,933 Thanks
    beanielou
    I agree with Edinburgher about caring more about bad things happening to nice people, and also about real poverty existing. I'd have wanted to set fire to the newspaper too .

    I hope you enjoy your picnic Beanie and I'm glad best boy got on all right at the vet .
    Originally posted by HairyHandofDartmoor
    Zoo plus do the Hills as well, might be worth looking online at various sites as food seems more expensive via the vets.
    Originally posted by teapot2
    The picnic was good thanks HHD.

    Tea~~Will see how the best boy gets on with the food & take it from there
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • edinburgher
    • By edinburgher 15th Jun 19, 7:03 PM
    • 11,530 Posts
    • 61,641 Thanks
    edinburgher
    In your opinion, what is the best way to help my local FB - stock donations, or cash donations? I can give anything bar time
    • beanielou
    • By beanielou 15th Jun 19, 7:07 PM
    • 66,940 Posts
    • 302,933 Thanks
    beanielou
    Enjoy your picnic - hope the weather near you is better than ours. Itís not as bad as last week but has rained on and off all day.
    Originally posted by milann
    The weather was ok & the rain stayed off til we were just about finished which was good.
    Good day but I am tired now.
    Fell earlier too. Bah.
    Bashed my elbow.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • beanielou
    • By beanielou 15th Jun 19, 7:14 PM
    • 66,940 Posts
    • 302,933 Thanks
    beanielou
    In your opinion, what is the best way to help my local FB - stock donations, or cash donations? I can give anything bar time
    Originally posted by edinburgher
    I would say stock if you have a pick up point near by.
    Think about tinned fruit, tinned custard/rice, fruit juice/dilluting juice, tinned tuna, tinned meat, tinned potatoes, biscuits.
    HTH.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • Sun Addict
    • By Sun Addict 15th Jun 19, 8:18 PM
    • 7,632 Posts
    • 56,859 Thanks
    Sun Addict
    Glad all went well at the vets for best boy
    Virtual Sealed Pot 2019 £514.51
    Emergency Fund £3300/£10,000
    • Butti
    • By Butti 16th Jun 19, 11:55 AM
    • 4,921 Posts
    • 14,433 Thanks
    Butti

    When I was taking the plane back from Malta there was a Daily M@il? article/opinion piece that someone a few rows in front of me was reading suggesting that nobody in the UK lives in "real" poverty. I felt like setting their newspaper on fire
    Originally posted by edinburgher
    I'm fairly sure this would get you kicked off the flight. But tempting if you could just sneak a match to the edge!
    Debt LBM (08/09) £11,641. (08/12) £22,734. (9/19 )£3221
    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 famousÖfor now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S MOB
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