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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,641Posts
    • 8,562Thanks
    Kittenkirst
    Getting a mortgage and then becoming mortgage-free!
    • #1
    • 5th Feb 16, 10:35 AM
    Getting a mortgage and then becoming mortgage-free! 5th Feb 16 at 10:35 AM
    Hi all!
    So from my title you may have guessed I don't yet have a mortgage, however I am hoping that will all change within the next few weeks.
    I will then start on overpaying the mortgage and really penny pinching to try and reduce it down as much as possible!

    I'm hoping this is alright to start my diary in here? :-)

    The story so far, my lovely girlfriend and I have been discussing getting a place together for some time. We started looking at houses (al very small and far from her parents- which is a no-no, we want to be close to them to visit regularly). Last weekend we went to see a new build development and fell in love with a house- less than 2 miles from her parents, perfect size for the two of us and within our budget (from getting mortgage in principle information and confirming monthly payments were well within our budgets).

    Sooooo we took her parents round for their seal of approval, spoke with an agent we know through the family about pertinent questions to ask, did lots of number crunching and then placed a reservation.....

    ....so we've now got paperwork from solicitors re the conveyancing etc and paperwork from the mortgage advisors to sort out this weekend.
    We have re-jogged our budget to ensure we had the deposit in savings by end of Feb (we thought we'd have a few months before we found anywhere) so are ready to almost hand over £18500 :O

    I have agreed to move into her parents house and pay rent in mid March to prevent paying rent, bills and food (will save an extra £500 a month) so we should be in a good position for when the house is ready September/October time!

    Does anyone have any hints or tips so far?

    Our brokers/solicitors are ones recommended by family who've used them and really recommend them and we've sense checked the rates the solicitors charge to ensure its competitive.
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
Page 51
    • Kittenkirst
    • By Kittenkirst 6th Oct 17, 1:32 PM
    • 1,641 Posts
    • 8,562 Thanks
    Kittenkirst
    September round-uo
    Hereís the nutty gritty for September

    Survey income- £24.85
    Savings- minus £200.15

    Mortgage numbers
    Standard payment: £810.80
    Overpayment: £206.32
    Interest charged 1st October- £404.16
    Daily interest: £13.47

    Total capital paid :£612.96

    The savings dip was expected due to taking £200 out for the initial payment for the braces and dental work. I also withdrew to cover MOT & repairs as put money into savings throughout the year to cover it

    The OP ended up not a round £200 as I accidentally paid twice on the last day of the month as the transaction didnít show.
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • newgirly
    • By newgirly 7th Oct 17, 12:12 PM
    • 5,900 Posts
    • 40,645 Thanks
    newgirly
    Great update KK well done
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • Kittenkirst
    • By Kittenkirst 7th Oct 17, 4:08 PM
    • 1,641 Posts
    • 8,562 Thanks
    Kittenkirst
    Received the first years mortgage statement in the post! I was so excited to reconcile it- there were a few discrepancies which I’ve updated on my sheet (after checking my bank account!) I just need o re-check my monthly totals.

    The good news is the Mortgage was £8 less than I calculated which I’m pleased with

    Gf is away tonight with her uni friends for a mini reunion, so I have been for a free taster of Hotpod Yoga which was really good for flexibility, and I sweated buckets!

    Now back home with Hugo on my lap and a chamomile tea (freebie from gfs hotel stay!) trying to relax before getting something out of stores for supper. for once I have no idea what I fancy so will have a rummage in the freezer and hopefully find something scrummy to make
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 8th Oct 17, 8:52 AM
    • 1,641 Posts
    • 8,562 Thanks
    Kittenkirst
    Woke up this morning to find the last of the Fortnum tea canisters sold overnight hurrah! So once theyíve paid thatís another £8 to the mortgage.

    Gfs in brum today but Iím picking her up at 10.30am but sheís messaged me that weíre going to have breakfast together in Brum-

    Woke up early-ish. The boys actually let me sleep in until 6.30am, which was so much better than the normal 4am! So
    Iíve hoovered, washed up, cleaned all the work surfaces, put lots of stuff away and cleaned the bathrooms. Having a quick cuppa (one of my 3 a day because of braces!) and then time for shower and get dolled up for a breakfast with the lovely gf.

    Had a mini scare with Hugo last night- hehadnít come in for his dinner which was most unusual and he was out for more than 2 hours without coming in, again unusual. So I went outside called him lots and lots but he didnít come in, I repeated this several times shaking his food container and the dreamies pouches and walking up and down the street to no avail.
    I eventually found him in the second woods (split from the first woods by a clearing!) but he was just laid there meowing. Luckily he has no injuries so I think he jollied off a bit far from home, got a bit scared by the rain and just hid for a while. Iíve let them out again this morning as he needs to get used to the area but will deffo not be letting him out when itís dark now!

    Weíve got piles and piles of things to list on the Bay tonight so Iím hoping we actually do it, rather than just talk about it! The buy it bows have worked really well so far so I will continue with that for things that I think have value and auction off the little bits.

    Shoulders ache a bit from the hot yoga yesterday- Iím definitely a convert- the house inside the dark, scented pod was tough but left me feeling very light and good now to see if I can work it into the budget. Iím going to refer the gf for a session so she gets £5 off (so only £7) and I get a free one hurrah!

    Iíll also check out some YouTube yoga Vids to see if can do some sessions myself on the cheap- they do ten classes for £100. If I did one class a week and one YouTube a week I think Iíd see the benefit without it breaking the bank...will have a ponder on it as I enjoy my gym routine but really think this will help me to stretch out my problem areas (I get a lot of issues with my hip Flexors after running!)
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 12th Oct 17, 11:05 PM
    • 1,641 Posts
    • 8,562 Thanks
    Kittenkirst
    Mid week update- pay day tomorrow hurrah!

    Kitchen tiles are now up on the wall and looking fantastic. The tiler had a cancellation so came out on Tuesday and completed it in the morning- amazing how much more homely it looks now

    Managed to take lunch in 3 out of 4 days this week which is an improvement and only one work coffee purchased. Reducing the caffeine intake is going well- yesterday I had one today I’ve had three, I’m cutting down to three cups a day as a maximum and seem to be going ok.

    Had another yoga class last night, referred the gf so she got a free trial session and I received a £5 credit whoop! I’ve signed up to a 14 day unlimited pass for £15 so I’m booked in for Saturday and Sunday this weekend already. Went to the gym today and so far I’ve lost another 0.9kg so the weight is slowly reducing and I’m getting a bit better work/well-being balance.

    Not much in the way of surveys this week as been inundated at work and had a very early drive up north to one of our offices this week followed by jewellery class in the evening so been a bit tired and not stopped much.

    We ended up going with gfs family to see the Diwali light switch on in Leicester on sunday which was lovely: her uncle decided to come last minute so was nice to see them all

    Her parents were pleased as we bought some dyed powders and stencils to do rangolis outside the house for Diwali and bought a few garlands for the outside to celebrate
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 15th Oct 17, 3:39 PM
    • 1,641 Posts
    • 8,562 Thanks
    Kittenkirst
    Had a great weekend so far- I organized a good friends surprise 40th birthday meal on Friday for 22 people and it all went perfectly. Birthday girl was so happy

    Yesterday we started the day with a 9.30am hot yoga session and then cleaned the entire house. We had taken chicken breasts out of the freezer and made a healthier version of this Korean chicken recipe: https://mykoreankitchen.com/korean-style-popcorn-chicken/

    We baked the chicken in the oven rather than frying it, and dry fried the rice sticks in a pan. We also added lots of veggies from the fridge- chunky chopped onions, carrot, pepper and sweetcorn. Delicious! Thereís a portion left in the fridge which weíre going to bulk out again tonight and have with rice/noodles and stir fried cabbage.

    Today we went early into city center to see our friend over the start line for a half marathon, then into town for a 10.30am yoga session which was fantastic. Walked back to the car (free parking that way!) and then went to gfs parents for Sunday lunch- a veg curry with little dumplings in alongside rotlis, sambar & poppadom. Gorgeous!

    Now home on the sofa with blankets, snoozing kittens and a snoozing gf!

    Had a discount code for yoga for 20% off and had a £5 credit for referring the gf so bought ten more sessions for £76 instead of £95 once my 14 day unlimited pass is up Iíll go to one class a week so itíll last 2.5 months.

    Payday was on Friday- will do the money shuffle tonight. This mont is another tight mint as we have the boiler annual service, Home contents insurance and my car insurance to pay for.
    Iíve declined a few meals out this month over the next few weeks as with my braces itís harder to eat plus I could do with saving that money. A bit lame but now itís winter I want to just curl up with something yummy at home

    £9.71 was OPd on Friday after my eBay buyer finally paid and I posted it off. For the first time in ages we have nothing listed so we need to get on top of the listings and get the christmassy stuff up
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 19th Oct 17, 4:19 PM
    • 1,641 Posts
    • 8,562 Thanks
    Kittenkirst
    Payday has been and gone and it feels as though it was never here! Anyone else feel like that some months?

    Standard monthly OP was made but boosted it a little so OPd £109.80, followed by £3 OP from a Pinecone survey. Then a further £4.35 for cashback from TSB for using contactless payments and a 30p TT.

    Slowly clawing my way to the finish line of the years OP budget.

    Tried to make all food this week; failed today as we were having a Diwali buffet at work but they moved it to next week so spent £3.45 on a jacket spud, chicken and coleslaw instead.

    Achieved a 5mile run on Monday, suffered on Tuesday and then had a hot yoga session last night. I’m loving yoga so much at the moment and my weight has dropped a little lower to just under 63kg wooop.

    Diwali celebrations tonight with the gfs family, can’t wait!
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Jessy103
    • By Jessy103 20th Oct 17, 6:46 PM
    • 471 Posts
    • 1,992 Thanks
    Jessy103
    HI KK!

    Yes I always feel like that after payday! Lol! I often think if I blinked I would miss it coming into the accounts and then leaving again!

    Hope you had fun at the Diwali celebrations!
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount Oct 2017 - £61,990.00
    Overpayment Target for 2017 - £5,000 /£6746.24
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22 October - £381.61 November - £50 December - £2635.54
    • Kittenkirst
    • By Kittenkirst 22nd Oct 17, 1:52 PM
    • 1,641 Posts
    • 8,562 Thanks
    Kittenkirst
    Glad to hear itís not just me Jessy

    Diwali celebrations were lovely- had a fab meal with gfs parents and lit our (electric) candles in Divyaís up the stairs which was lovely.

    This weekend has been a busy one- yoga yesterday morning and again this morning, a cardio session in the gym yesterday followed by a trip to Xtreme Scream in Melton Mowbray!

    Xtreme scream was so much fun- had an ace time with friends being scared and wandering round in the dark!!

    We bought a chicken for Sunday lunch today so thatís in roasting away with some spuds ready to be served with some honey & thyme roasted carrots, stuffing and savory cabbage- what a treat!!

    Hoping to turn the carcass into a chicken soup- debating whether to do a chicken noodle style broth or a warming chicken, bacon and lentil soup. Have ingredients to do either so will have a ponder some.

    Man turned up and bought those IKEA mirrors yesterday so about to overpay that £10. And £2.30 confirmed on Quidco so as soon as that hits my account that will also be sent over! When they are sent over we will be at

    ....drumroll please.....

    £2135.30 of the £2150 year end target!!





    Can not wait to smash that target and start exceeding it.
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • newgirly
    • By newgirly 22nd Oct 17, 6:50 PM
    • 5,900 Posts
    • 40,645 Thanks
    newgirly
    Oooh so close
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • themadvix
    • By themadvix 23rd Oct 17, 4:38 PM
    • 1,149 Posts
    • 6,709 Thanks
    themadvix
    Sooo close! And so much more than you originally expected to OP this year!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Kittenkirst
    • By Kittenkirst 3rd Nov 17, 5:30 PM
    • 1,641 Posts
    • 8,562 Thanks
    Kittenkirst
    Hi all, been a bit quiet the past week or so; Halloween has been and gone and was thoroughly enjoyed

    I have been going to yoga 4 or 5 times a week and am now a full member (£70 ouch!) however I feel it is a valid investment in me as it’s helping my mental state no end. Work is incredibly stressful at the moment and I’m still struggling with my boss I had a good call with our occupational health people regarding a CBT course and feel hopeful that this will help me deal with the stress.

    On the money saving front, we have changed gas & elec suppliers- moving over to Eon for both with estimates of £47 a month for the two combined. We have a large credit still with first utility which will be refunded hopefully in time for Christmas!

    Went through utilityswitch so cashback tracked hurrah! And another £11 survey money requested and awaiting clearing the account.

    Wore a hole through my favourite gym leggings so shopped around and found some gorgeous Animal ones in their sale £14 instead of £40, and also found a lonely pair in my size at Tescos reduced down to £5. Bargains and will definitely get my wear out of them
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • CathT
    • By CathT 4th Nov 17, 12:42 PM
    • 5,387 Posts
    • 37,037 Thanks
    CathT
    Great overpayments total and still quite a bit of the year left for you to smash it. Sorry to hear work is stressful, is running helping? Am sure the CBT will help, have you also tried mindfulness?
    Dec 2017 -
    part 1 - £79,467
    part 2 - £45,985
    Total - £125,449
    • Kittenkirst
    • By Kittenkirst 4th Nov 17, 1:08 PM
    • 1,641 Posts
    • 8,562 Thanks
    Kittenkirst
    Hi Cath, yes the running helps but I find my mind whirrs a bit when I’m running whereas with the yoga I fully focus and switch off which is bliss.

    I’ve read a bit about mindfulness and have downloaded a free app so will have a play with that too, happy to try most things if they may help

    Forgot to mention we both got free 6 inch subways yesterday for having the app and it being national sandwich day- I had a delicious pizzipla subway for lunch which was fab as it was free!!

    Yoga this morning, followed by a quick trip to Iceland to get some freezer supplies- for some frozen chicken breast mince to try and some chicken char grills for the gf as she likes them in lunch. Also picked up the 50p hot dog rolls and 50p pack of hotdogs for dinner tonight as it’s a naughty tea we both like and it’s bonfire night-hoping to cuddle up with a nice dinner with the kittens
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • michelle09
    • By michelle09 4th Nov 17, 4:17 PM
    • 460 Posts
    • 1,823 Thanks
    michelle09
    Well done on the free subway.
    • Kittenkirst
    • By Kittenkirst 6th Nov 17, 10:30 AM
    • 1,641 Posts
    • 8,562 Thanks
    Kittenkirst
    Monday Monday....a rubbish morning so far at work, I really feel that they are taking away the parts of the role I do enjoy/can do to leave me with things I don’t know how to tackle and no support. I had an awful 121 with my boss on Friday and it just doesn’t seem to be improving. however it has spurred me on to book in with my GP and have a chat with them next week and I’ve also requested to have a session with my union rep to talk through what I should be expecting from the company in terms of support for my role. I’m trying hard to be proactive and not let myself be consumed with the negativity/upset.

    Outside of work though things are fab! On Saturday I received a parcel containing some toothpaste for a competition I entered ages ago- it’s whitening too so is perfect for with my brace (had them tightened on Friday afternoon, mild discomfort but not as bad as when they first went on yay!)

    Went for a family meal with gf’s other side of the family, a few of who I hadn’t met and was very nervous as they are a bit more traditional So wasn’t sure how it would go, but it went well! They were very welcoming and I’d been worried about nothing. Gfs parents also paid for dinner which was a lovely treat too

    Prolific money finally cleared so £10.41 transferred to the Mortgage which means.....

    we’ve smashed our years OP target of £2150!!!



    I called First Direct this morning to do some money shuffling, for them to tell me I had some free tickets to a gig in Leeds!! They had Five Finger Death Punch or Stonesour! AMAZING! (Both are fab American rock/metal bands!). As I have seen Five Finger DP at download fest this year I opted for Stonesour supported by The Pretty Reckless! Two free seated tickets just organizing how we get there with my friend and seeing if we can get her hubbie a ticket too so we can all attend!

    So Work is lousy but homelife is going well- am trying to plan for Christmas too and get organized. My bro and his girlfriend are going to stay for Christmas and gfs parents will come over for Christmas dinner as brother thinks he will be okay with them here too which is a great step for him. Thinking of doing Christmas Eve boxes for the two of them so have already bought them some fluffy totes style socks from Primark, some on sale nail varnishes for the gf and some pjs too. Will put some nice hot choc in, some mini marshmallows and a mug each in and then anything else I can think of. Excited!!!
    Last edited by Kittenkirst; 06-11-2017 at 11:40 AM.
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • mortgage_girl
    • By mortgage_girl 10th Nov 17, 4:45 PM
    • 840 Posts
    • 3,850 Thanks
    mortgage_girl
    Fantastic news on smashing your op target! Well done! Hope you're going to do something to celebrate.

    Sorry to hear about work naffness.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • try harder
    • By try harder 10th Nov 17, 5:02 PM
    • 528 Posts
    • 1,676 Thanks
    try harder
    Well done on smashing your overpayments target Kittenkirst
    • Kittenkirst
    • By Kittenkirst 11th Nov 17, 9:07 PM
    • 1,641 Posts
    • 8,562 Thanks
    Kittenkirst
    Thanks TryHarder & Mortgagegirl

    This week £2.30 I requested to withdraw from Quidco two weeks ago finally cleared so that’s been OP’d & I’ve had two Pinecone surveys so the £6 has been withdrawn. Will OP that as soon as it clears.

    Had a frightful evening on Tuesday as my car tyre decided to blow out on the M1- very scary but managed to get it onto the hard shoulder and call the AA. 55 minutes in the dark rain later and the tyre was changed for my spare. So I’ve had to pay for a new tyre -£40- and the AA assistance- £99- which wasn’t budgeted for.

    But....by fluke I managed to sell my brand new snowboard that’s been hanging around. A friend has started lessons so I jokingly said I have a board if you want it! She ended up getting all the details, doing nfernet research and giving me £85 for it

    So I’ve ended up £54 down this week but it could have been much worse!

    Had a lovely day celebrating my friends birthday today- we took her to a kitty cafe and then to a fab burger place we thought she & her hubbie would love and then had a wander round the shops and a good natter. Fab fab saturday.

    Now snuggled down with Hugo and a blanket :
    2017 MFW #20 - OP £2508.28/ £2150 117%. New target £2500 100%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £212.41

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • CathT
    • By CathT 12th Nov 17, 12:12 PM
    • 5,387 Posts
    • 37,037 Thanks
    CathT
    Hope you can get some support with the work issues and it's a positive step going to the GP, I had to do that in the summer and feel much better now. Good news about the snowboard sale but what a shame the money got swallowed up, typical isn't it!

    I love the idea of Christmas eve boxes for adults, we do them for the children but enjoy it as a family and have built it up over the years so have items that appear each year.
    Dec 2017 -
    part 1 - £79,467
    part 2 - £45,985
    Total - £125,449
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