Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • greenbee
    • By greenbee 3rd Oct 17, 7:50 AM
    • 12,155Posts
    • 215,399Thanks
    greenbee
    "Isn't it nice to think that tomorrow is a new day with no mistakes in it."
    • #1
    • 3rd Oct 17, 7:50 AM
    "Isn't it nice to think that tomorrow is a new day with no mistakes in it." 3rd Oct 17 at 7:50 AM
    So after lurking on other people's diaries for the last few years it's time to start my own.

    I'd almost paid off my mortgage 4 years ago when I decided to move to somewhere a lot bigger and a lot more expensive. It was also a project. So for the last few years there have been no overpayments as everything has gone into savings for the next bit of work on the house.

    I remortgaged in August, reducing my payments by £200/month.

    I'm now preparing for the final (I hope!) phase of the renovation work, so while avoiding getting up and ready for work this morning I thought I'd check the overpayment calculator. If I increase my payments to what they were previously this will knock over 8 years off my mortgage.

    I'm not ready to start overpaying yet. I need to finish the essential work and build up some savings, but I hope that early next year I'll be in a position to start reducing my liabilities.

    So I thought I'd start a diary now, while I'm motivated, to record my progress in getting to the point of overpaying...
Page 1
    • Betterthanever
    • By Betterthanever 3rd Oct 17, 8:27 AM
    • 274 Posts
    • 1,076 Thanks
    Betterthanever
    • #2
    • 3rd Oct 17, 8:27 AM
    • #2
    • 3rd Oct 17, 8:27 AM
    knocking off 8 years will be a fantastic achievement. I look forward to following your journey!
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • smallholdingsister
    • By smallholdingsister 3rd Oct 17, 10:38 AM
    • 3,387 Posts
    • 26,442 Thanks
    smallholdingsister
    • #3
    • 3rd Oct 17, 10:38 AM
    • #3
    • 3rd Oct 17, 10:38 AM
    Hi Greenbee! Woman who never makes a mistake never makes anything!
    • greenbee
    • By greenbee 3rd Oct 17, 10:41 AM
    • 12,155 Posts
    • 215,399 Thanks
    greenbee
    • #4
    • 3rd Oct 17, 10:41 AM
    • #4
    • 3rd Oct 17, 10:41 AM
    So thinking about progress so far. In 4 years I have (not all personally, mostly by paying other people):

    • Ripped out the stinky carpets and disgusting kitchen.
    • Taken down and logged 5 huge trees
    • Build the world's biggest log store...
    • Installed a new boiler (previous one was leaking oil and condemned) in the garage, new hot water tank (in cupboard on landing, freeing up airing cupboard in bathroom), new radiators downstairs and new bunded oil tank.
    • New consumer unit, and additional sockets in the office
    • Replaced 17 windows with new hardwood windows
    • Knocked through from dining room to kitchen
    • Put side door in garage
    • Redone downstairs loo (with new loo & basin)
    • Redone the lead on the roof
    • Bird-proofed (mostly) the roof
    • Put a cowl on the unused boiler chimney and an aspirator on the one I do use as it doesn't draw well
    • Removed all the disgusting insulation and dead mice and mouse poo from the attic and insulated it properly
    • Ripped out the 'champagne' coloured bathroom (no shower) and put in a lovely new bathroom
    • Replaced rotting garage doors
    • Painted all external woodwork
    • Replaced (and in some cases moved) radiators in all bedrooms, added sockets, insulated floors, put floorboards back down/replaced where damaged, filled HUGE amounts of holes/cracks in walls and redecorated including sanding and painting floors
    • Changed doorhandles on upstairs doors for doorknobs
    • Redone ensuite and added shower over bath (when I moved in there was NO shower)
    • Moved & replaced staircase and enlarged landing
    • Garage electrics
    • Put up trellis around sewage treatment system and built lots of pergolas/arches to break up garden. Dug new beds and started planting
    • Cat5 cabling as I'm fed up with flaky wifi when working

    So quite a lot really. I try not to think about how much it has cost...
    • greenbee
    • By greenbee 3rd Oct 17, 10:43 AM
    • 12,155 Posts
    • 215,399 Thanks
    greenbee
    • #5
    • 3rd Oct 17, 10:43 AM
    • #5
    • 3rd Oct 17, 10:43 AM
    Builders have been back over the last week or so doing snagging - filling the hole in the airing cupboard floor, refixing curtain poles & window catches, filling holes, repainting garage doors (apprentice failed to deal with the knotting properly when they went in) and have also removed the unwanted TV aerial from the chimney.

    I need to chase up a quote for sorting out the chimney and installing the woodstove, and extract a cost for the flooring and a start date for the next phase from the builders.

    This round is to do downstairs - chase in all the wires hanging from the ceilings, so all the filling (holes in ceilings from taking up/putting down floorboards), screed the floors as they're not level, decorate, put down flooring. Hopefully they'll get at least half the house down before Christmas. It would be nice to have the kitchen & utility done as far as we can too - so that when I finally get a kitchen it can be installed quickly. But we'll see how it goes!
    • greenbee
    • By greenbee 5th Oct 17, 4:02 PM
    • 12,155 Posts
    • 215,399 Thanks
    greenbee
    • #6
    • 5th Oct 17, 4:02 PM
    • #6
    • 5th Oct 17, 4:02 PM
    I now have someone booked to come and look at the chimney and quote for sorting it out and installing a stove.

    I've been very busy at work, so haven't made much progress on anything else, including chasing the builders for a date.
    • Slinky
    • By Slinky 5th Oct 17, 4:51 PM
    • 4,576 Posts
    • 19,513 Thanks
    Slinky
    • #7
    • 5th Oct 17, 4:51 PM
    • #7
    • 5th Oct 17, 4:51 PM
    And your attraction to this property in the first place was.............. :-)
    • greenbee
    • By greenbee 5th Oct 17, 7:34 PM
    • 12,155 Posts
    • 215,399 Thanks
    greenbee
    • #8
    • 5th Oct 17, 7:34 PM
    • #8
    • 5th Oct 17, 7:34 PM
    The potential, clearly
    • Slinky
    • By Slinky 5th Oct 17, 7:45 PM
    • 4,576 Posts
    • 19,513 Thanks
    Slinky
    • #9
    • 5th Oct 17, 7:45 PM
    • #9
    • 5th Oct 17, 7:45 PM
    Sounds like it would have been easier starting from scratch!
    • smallholdingsister
    • By smallholdingsister 6th Oct 17, 6:09 AM
    • 3,387 Posts
    • 26,442 Thanks
    smallholdingsister
    You wouldn't have the character if you started from scratch.
    • greenbee
    • By greenbee 7th Oct 17, 11:37 AM
    • 12,155 Posts
    • 215,399 Thanks
    greenbee
    I swear I replied to this yesterday, but lots of IT things went wrong so I guess the post went into the ether!

    Next house will either be a brand new eco build or a major eco-renovation. I want solar PV & thermal, airsource heat, rainwater harvesting, grey water recycling, passive house standards, smart home technology - and importantly to know that there are minimal running costs.

    Today I've moved all the delicate antique bits of glass from the corner cabinet in the dining room to various shelves in my bathroom and bedroom. There's still a lot of china and glass to pack up in the dining room, but that's the bulk of the stuff I'd worry about.

    6 shot glasses are in the pile for the CS along with 5 non-matching bowls and 6 random plates.

    As it's not very nice outside (or at least, not nice enough for me to feel like going outside and doing the deadheading I really do need to do...) I'm going to attempt to get more stuff moved upstairs, so that it's only the things that need packing away that will have to be done at the last minute. I don't yet have a start date, so I'm reluctant to put too much away when it'll mean living in empty rooms for longer than necessary. I find them depressing.
    • beanielou
    • By beanielou 7th Oct 17, 10:01 PM
    • 47,656 Posts
    • 172,748 Thanks
    beanielou
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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***
    • greenbee
    • By greenbee 7th Oct 17, 10:30 PM
    • 12,155 Posts
    • 215,399 Thanks
    greenbee
    Thanks beanie

    I've done lots of putting away today. My bedroom is full of glass. Did the 'indoor gardening' and a few houseplants have been binned. The others have been given a reprieve but I'm not sure how much longer they'll survive mistreatment.

    Did a bit of outdoor gardening - deadheading and cutting back. Two more bags of garden waste in the queue to go. And a vase of roses indoors which smell fabulous.

    Overall rather too much lying around not doing much and eating... but a late night walk has offset some of the overindulgence. I'm supposed to be on a 1000 calorie per day deficit but have only just managed to break even today. I was going to reduce it to 500, but I given today's performance I think I need another week of trying hard!
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,569Posts Today

7,596Users online

Martin's Twitter