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  • FIRST POST
    • AlexLK
    • By AlexLK 8th Mar 15, 11:07 PM
    • 5,918Posts
    • 31,001Thanks
    AlexLK
    Renovations and Repayments.
    • #1
    • 8th Mar 15, 11:07 PM
    Renovations and Repayments. 8th Mar 15 at 11:07 PM
    Hello and welcome to visitors familiar with my journey thus far and are surprised to see me on such a sensible board and a further warm welcome to the new faces wondering what they've let themselves in for.

    Let me begin by clarifying a few points: the first one is I am not sure whether I'm actually serious or not about clearing my mortgage and the second is the fact my house needs quite a bit of work doing to it. This work I do myself and in the time my wife and I have lived in the house we've learnt all kinds of new skills. The current project involves renewing the windows and I am making the frames myself, two are done and I'm pleased to say look great.

    I plan to use this mortgage free (how very grown up) diary to document the renovations and my savings activities, out of which overpayments may or may not be made. However, I am fully committed to long term saving and making as much money as possible. A long term goal of mine is to add to the BTL portfolio I shall one day inherit and am already becoming more involved in which is perhaps a good reason to pay my mortgage off and make my current property into an investment.

    Aside from the recent interest in moneysaving I have a four year old son, run my own company, play and teach the violin and piano whilst studying for my own interest. Oh and don't mention the cars.

    Those familiar with my debt-free diary will know I'm not exactly great at record keeping but am trying to improve, so please don't expect the detailed financial updates others seem to put on here. To kick things off, I suppose I ought to confess the mortgage debt is a total of circa £185,000 and I have no real timescale or plan in mind to pay it off.

    Sorry if this is not a particularly articulate introduction, as I seem to be at a loss how to tailor it to both those who've read my debt free diary and to new readers frequenting mortgage free.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
Page 173
    • kelpie35
    • By kelpie35 30th Dec 17, 4:54 PM
    • 1,544 Posts
    • 4,976 Thanks
    kelpie35
    I am awaiting the new thread you promised Alex.

    Happy New Year when it comes.

    Take care.
    • Bluefire
    • By Bluefire 30th Dec 17, 4:57 PM
    • 464 Posts
    • 2,930 Thanks
    Bluefire
    I hope you'll be willing to consider Christmas with Mrs K's family next year Alex. Your parents do not deserve to be rewarded for their behaviour. I hope your son wasn't there to hear their rant at least?
    Mortgage: 08/13 £28,896.49 01/18 £0

    • AlexLK
    • By AlexLK 30th Dec 17, 5:14 PM
    • 5,918 Posts
    • 31,001 Thanks
    AlexLK
    Merry Christmas Alex, glad it went ok at the inlaws, shame your parents couldn't have behaved themselves on Christmas Day though!

    Now you need to stop spending money and get back to mse it's the best time of year for mfw'rs -plotting, planning and starting the year with good intentions
    Originally posted by newgirly
    Merry Christmas, NG.

    Overall things went well.

    Trying to start the plotting / planning as we speak.

    I am awaiting the new thread you promised Alex.

    Happy New Year when it comes.

    Take care.
    Originally posted by kelpie35
    Thank you, kelpie and happy new year.

    As promised I have a new diary ... http://forums.moneysavingexpert.com/showthread.php?t=5765963

    I hope you'll be willing to consider Christmas with Mrs K's family next year Alex. Your parents do not deserve to be rewarded for their behaviour. I hope your son wasn't there to hear their rant at least?
    Originally posted by Bluefire
    Trying not to think so far as Christmas next year but I will keep it in mind as I don't want another awful Christmas Day. Yes, my son was there. My parents used to use the day when I was a child to tell me the reasons why they did not get a gift I asked for (I used to always get everything but one gift) which was usually something to do with not living up to expectations, misdemeanours over the year etc. This year I just got the rant.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • Watty1
    • By Watty1 30th Dec 17, 10:43 PM
    • 2,982 Posts
    • 20,808 Thanks
    Watty1
    What a sad Christmas tale. Chin up and have fun with Mrs LK's family next year. Like the tale of the snooker challenge....I hope there is a cup for the annual tradition?
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Knotted hanky fund now in full swing: £3776.40
    • Bluefire
    • By Bluefire 31st Dec 17, 6:49 AM
    • 464 Posts
    • 2,930 Thanks
    Bluefire
    Trying not to think so far as Christmas next year but I will keep it in mind as I don't want another awful Christmas Day. Yes, my son was there. My parents used to use the day when I was a child to tell me the reasons why they did not get a gift I asked for (I used to always get everything but one gift) which was usually something to do with not living up to expectations, misdemeanours over the year etc. This year I just got the rant.
    Originally posted by AlexLK
    I'm glad you're going to think about it. Your son doesn't need to hear his father being berated on any day, least of all Christmas day. If you can't protect yourself, protect him from having his day ruined, especially as these lectures appear to be a holiday tradition for them. They need to learn that they can't act this way if they want to keep your family in their lives.
    Mortgage: 08/13 £28,896.49 01/18 £0

    • Suffolk lass
    • By Suffolk lass 31st Dec 17, 9:21 AM
    • 1,641 Posts
    • 18,468 Thanks
    Suffolk lass
    It can be such a testing time of year. How sad that your parents should do that.

    I live next door but one to a recently retired brain surgeon and he was explaining to me that there is an age-related frontal lobe deterioration that can make people abnormally uninhibited and aggressive. He was reassuring me after I recently experienced a very uncomfortable meeting where the Chairman of the meeting was really rude and aggressive to me (it was my first meeting, I had not even been welcomed to the group and had said nothing, at that point). I came away believing he had some suppressed hatred of me that had manifested itself but rather, it is an early senility indicator.
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2018 #53 - my annual target is £10,000
    OS Grocery Challenge 2018 budget of £3,500 including stores
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Red-Squirrel
    • By Red-Squirrel 31st Dec 17, 12:45 PM
    • 2,143 Posts
    • 5,938 Thanks
    Red-Squirrel

    Trying not to think so far as Christmas next year but I will keep it in mind as I don't want another awful Christmas Day. Yes, my son was there. My parents used to use the day when I was a child to tell me the reasons why they did not get a gift I asked for (I used to always get everything but one gift) which was usually something to do with not living up to expectations, misdemeanours over the year etc. This year I just got the rant.
    Originally posted by AlexLK
    I'm glad you're going to consider it, really, what an insult it would be to your in-laws if you'd rather go back to your parents after that kind of treatment than spend Christmas with them when they've invited you and it sounds like you've enjoyed their company recently.

    Alex, your parents sound awful, they really do. I know they are your parents and you love them anyway, but you don't have to put up with that kind of behaviour!

    I've put this on here rather than your new diary because I don't want to bring down the lovely optimistic tone in that one! I wish you and your wife and son all the best for 2018. xx
    • Red-Squirrel
    • By Red-Squirrel 31st Dec 17, 12:48 PM
    • 2,143 Posts
    • 5,938 Thanks
    Red-Squirrel
    It can be such a testing time of year. How sad that your parents should do that.

    I live next door but one to a recently retired brain surgeon and he was explaining to me that there is an age-related frontal lobe deterioration that can make people abnormally uninhibited and aggressive. He was reassuring me after I recently experienced a very uncomfortable meeting where the Chairman of the meeting was really rude and aggressive to me (it was my first meeting, I had not even been welcomed to the group and had said nothing, at that point). I came away believing he had some suppressed hatred of me that had manifested itself but rather, it is an early senility indicator.
    Originally posted by Suffolk lass

    Alex's parents did the same to him when he was a child though.
    • AlexLK
    • By AlexLK 31st Dec 17, 9:02 PM
    • 5,918 Posts
    • 31,001 Thanks
    AlexLK
    Watty, no cup and I'm not so confident about winning again to mention getting one.

    Bluefire, it is difficult and I have been considering why I am as much a part of their lives as I am, to be honest.

    SL, I do wonder if everyone's mind deteriorates or possibly just changes to an extent in old age. My father has certainly changed in recent times but has become more reasonable for the most part.

    Red Squirrel, things have been OK between the in-laws and I in recent times. Thank you, I hope my new diary will take a less morose tone than this one has.

    Don't really want to keep posting in two diaries but want to say thank you for everyone's contributions and happy new year.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
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