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  • FIRST POST
    • ZTD
    • By ZTD 25th Sep 17, 6:40 PM
    • 23,348Posts
    • 40,910Thanks
    ZTD
    And now the fuse is lit...
    • #1
    • 25th Sep 17, 6:40 PM
    And now the fuse is lit... 25th Sep 17 at 6:40 PM
    Well...

    I have a house. And a mortgage. Took years and cost a fortune, as Batman said once.

    Don't talk to me about surveys (though this one at "so so" was better than many). Or surveyors (I wouldn't use this one again - seemed scared of ladders). Or vendors (though this one was great). Or estate agents (this one was truly dreadful). Or solicitors (though this one was great).

    I don't suppose this diary is going to be much about finances or mortgages, because let's face it, apart from a little kerfuffle once a month (when I get paid) nothing much seems to happen. It'll probably just being rude about things, and encouraging others to be rude too...

    Welcome aboard the mortgage diary. Hopefully it will be an express elevator to hell - going down!

    Twenty five years seems a long time otherwise...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
Page 15
    • beanielou
    • By beanielou 6th Dec 17, 7:45 PM
    • 49,020 Posts
    • 181,970 Thanks
    beanielou
    **Passes shopping list **
    Thanks Z
    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***
    • ZTD
    • By ZTD 6th Dec 17, 9:42 PM
    • 23,348 Posts
    • 40,910 Thanks
    ZTD
    **Passes shopping list **
    Thanks Z
    Originally posted by beanielou
    I probably wouldn't have me do shopping. It would seem I can't have anything go smoothly. Tonight for example, in Aldi, I managed to pick up something from the shelves which they were not allowed to sell. So it meant that my Christmas-themed kitchen-roll was taken from me at the till and returned to the shelf.

    For my own safety of course...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 6th Dec 17, 9:48 PM
    • 49,020 Posts
    • 181,970 Thanks
    beanielou
    I probably wouldn't have me do shopping. It would seem I can't have anything go smoothly. Tonight for example, in Aldi, I managed to pick up something from the shelves which they were not allowed to sell. So it meant that my Christmas-themed kitchen-roll was taken from me at the till and returned to the shelf.

    For my own safety of course...
    Originally posted by ZTD
    What on earth is that all about? Really!!
    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***
    • ZTD
    • By ZTD 6th Dec 17, 9:57 PM
    • 23,348 Posts
    • 40,910 Thanks
    ZTD
    What on earth is that all about? Really!!
    Originally posted by beanielou
    Yup...really...

    I did really have my Christmas-themed kitchen-roll taken from me at the till because they weren't allowed to sell it to me.

    Oh you Doubting Tomasina...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 6th Dec 17, 10:01 PM
    • 49,020 Posts
    • 181,970 Thanks
    beanielou
    Was it because it should only be on sale from tomorrow?
    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***
    • ZTD
    • By ZTD 6th Dec 17, 10:04 PM
    • 23,348 Posts
    • 40,910 Thanks
    ZTD
    Was it because it should only be on sale from tomorrow?
    Originally posted by beanielou
    Indeed, and I can't be trusted with specials before their time.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 6th Dec 17, 10:08 PM
    • 49,020 Posts
    • 181,970 Thanks
    beanielou
    Indeed, and I can't be trusted with specials before their time.
    Originally posted by ZTD


    Have a instead!
    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***
    • Ellidee
    • By Ellidee 6th Dec 17, 10:20 PM
    • 6,067 Posts
    • 16,744 Thanks
    Ellidee
    Delurks to say 'Foiled again' ........... get me coat .......

    EDIT I read it as 'kitchen foil' ...... goes back to lurking
    Nothing is so fatiguing as the eternal hanging on of an uncompleted task. William James
    • ZTD
    • By ZTD 6th Dec 17, 11:37 PM
    • 23,348 Posts
    • 40,910 Thanks
    ZTD
    Delurks to say 'Foiled again' ........... get me coat .......
    Originally posted by Ellidee
    What's this lurking thing?!

    EDIT I read it as 'kitchen foil' ...... goes back to lurking
    Originally posted by Ellidee
    No, no...you should continue posting - now you're on a roll...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • Karmacat
    • By Karmacat 7th Dec 17, 10:48 AM
    • 28,180 Posts
    • 155,255 Thanks
    Karmacat


    Madness! On all fronts
    Retired August 2016
    • beanielou
    • By beanielou 7th Dec 17, 11:26 AM
    • 49,020 Posts
    • 181,970 Thanks
    beanielou


    Madness! On all fronts
    Originally posted by Karmacat
    It helps on this thread
    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***
    • Butti
    • By Butti 7th Dec 17, 10:29 PM
    • 4,539 Posts
    • 11,993 Thanks
    Butti
    Indeed, and I can't be trusted with specials before their time.
    Originally posted by ZTD
    Is that just the sales variety or police officers also?
    Debt LBM (08/09) £11,641. (08/12) £22,734. (10/14) £9127 (2/15N )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    '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 NSD June 2/7
    • ZTD
    • By ZTD 8th Dec 17, 12:17 AM
    • 23,348 Posts
    • 40,910 Thanks
    ZTD
    Is that just the sales variety or police officers also?
    Originally posted by Butti
    I didn't know either of them had a time - but apparently so.

    Probably a place too, since there's a time and a place for everything...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • ZTD
    • By ZTD 8th Dec 17, 7:09 PM
    • 23,348 Posts
    • 40,910 Thanks
    ZTD
    My...it is not warm out there. Especially with it being a bit blowy on top...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • ZTD
    • By ZTD 8th Dec 17, 7:11 PM
    • 23,348 Posts
    • 40,910 Thanks
    ZTD
    So this trailing month, I have paid £102.31 in interest charges on my mortgage.

    This will be the last year I will be organised enough to know this, so I'm making the best of it...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • Karmacat
    • By Karmacat 9th Dec 17, 11:46 AM
    • 28,180 Posts
    • 155,255 Thanks
    Karmacat
    What kind of mortgage is it, Z?

    My French bank, by the way, sends me a very detailed breakdown of each mortgage payment, and since it's repayment, I've watched the interest component plummet over the last few years, it's fascinating.
    Retired August 2016
    • ZTD
    • By ZTD 9th Dec 17, 12:01 PM
    • 23,348 Posts
    • 40,910 Thanks
    ZTD
    What kind of mortgage is it, Z?
    Originally posted by Karmacat
    It's an offset repayment.

    My French bank, by the way, sends me a very detailed breakdown of each mortgage payment, and since it's repayment, I've watched the interest component plummet over the last few years, it's fascinating.
    Originally posted by Karmacat
    Mine isn't quite that good. I have to log on after the payment has been taken, write down what's left outstanding, then subtract the payment, and the difference is interest.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • ZTD
    • By ZTD 9th Dec 17, 4:23 PM
    • 23,348 Posts
    • 40,910 Thanks
    ZTD
    Found my old cheque book.

    My old MIDLAND cheque book...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • shangaijimmy
    • By shangaijimmy 9th Dec 17, 4:27 PM
    • 2,276 Posts
    • 10,571 Thanks
    shangaijimmy
    Blue book, yellow lion inside a yellow circle??
    MFW: Turning June 2036 into March 2023... 33//120 Payments Challenge, Diary Reduction £35,448.08
    Aug 2009: £163,051 // Current: £100,551.94 // Avg Daily Interest £4.52
    MFiT-T4 #8 - 56.74% of £41,000
    • ZTD
    • By ZTD 9th Dec 17, 4:50 PM
    • 23,348 Posts
    • 40,910 Thanks
    ZTD
    Blue book, yellow lion inside a yellow circle??
    Originally posted by shangaijimmy
    I believe it's supposed to be a griffin (it has wings, so it's more confident) but yes - that's it.

    The case is really thick cardboard. Yes, dating from the days you got cases with your check books...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
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