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  • FIRST POST
    • Fortune Smiles
    • By Fortune Smiles 19th Jul 17, 10:11 AM
    • 2,593Posts
    • 21,403Thanks
    Fortune Smiles
    Tales from The Shire
    • #1
    • 19th Jul 17, 10:11 AM
    Tales from The Shire 19th Jul 17 at 10:11 AM
    Tales from the Shire


    All we have to decide is what to do with the time that is given to us.
    J R R Tolkein


    After many happy years in the Garden of England we have started a new adventure in The Shire. Although still reeling from the stress and upheaval of the house move, we can see the potential for a wonderful home and life here. It’s going to be amazing!

    There is much to do and, as with any great journey, company is much appreciated. So I hope my forum friends will join me on the road.

    A new chapter (and diary) has begun.


    Fortune x

    For those who are interested in how we got to be here, my previous diaries can be found at:

    Two Pennies Left - http://forums.moneysavingexpert.com/showthread.php?t=4068401
    The New Adventures of Fortune - http://forums.moneysavingexpert.com/showthread.php?t=5605109
    Mortgage: 2.4% paid House Deposit Contribution: 88% Emergency Fund: 57%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
Page 1
    • Fortune Smiles
    • By Fortune Smiles 19th Jul 17, 10:48 AM
    • 2,593 Posts
    • 21,403 Thanks
    Fortune Smiles
    • #2
    • 19th Jul 17, 10:48 AM
    Priorities
    • #2
    • 19th Jul 17, 10:48 AM
    Where to start?

    Clean all the Things!

    The house is filthy. I donít think the floors have been cleaned since the house was built Iíve made a start but there is still a lot to do. Iím going to have to get professionals in to clean the kitchen floor itís so bad

    Unpack all the Things!

    Iím cleaning one room at a time and unpacking after. I think weíre about half way there judging by the number of boxes left. Mr F has already committed the route to the tip to memory.

    Buy Stuff

    Iím concentrating on Ďneedsí but the urgency for some stuff, and a lack of broadband up until now, has meant I havenít got the very best deal I could have. There is a budget and we are within that so itís a matter of making sure I do the proper research and take a little more time to consider going forward.

    Barn Raise

    We have no secure garaging or storage at the moment but we do have a dilapidated outbuilding. This needs to be renovated quickly and we have kept some money back for the work.

    Pay Off the Mortgage

    We have the same size mortgage now as when we first moved to the Garden of England twelve years ago. Our financial position has improved since then so itís not as big relatively speaking. Itís still too big for our liking though so I plan to make a regular overpayment each month plus add all the usual tidies to that. Once we're settled I'll look into some other money making schemes.

    Help

    We are currently contributing the maximum amount to a First Time Buyerís ISA for DS1 and his GF. Weíd like to continue this so that they get the most interest they can. There is a limit on how much weíll contribute though so weíll be making the last payment in March 2018.

    That should keep me out of trouble for a while.

    Fortune x
    Mortgage: 2.4% paid House Deposit Contribution: 88% Emergency Fund: 57%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • Jessy103
    • By Jessy103 19th Jul 17, 11:47 AM
    • 471 Posts
    • 1,988 Thanks
    Jessy103
    • #3
    • 19th Jul 17, 11:47 AM
    • #3
    • 19th Jul 17, 11:47 AM
    Congratulations on your new home fortune! Good luck with getting everything sorted! Loving the new diary already!!
    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
    • beanielou
    • By beanielou 19th Jul 17, 12:06 PM
    • 49,035 Posts
    • 182,072 Thanks
    beanielou
    • #4
    • 19th Jul 17, 12:06 PM
    • #4
    • 19th Jul 17, 12:06 PM
    Happy shiny new diary
    Looking forward to reading about your new adventures Fortune
    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***
    • XSpender
    • By XSpender 19th Jul 17, 1:52 PM
    • 2,704 Posts
    • 27,954 Thanks
    XSpender
    • #5
    • 19th Jul 17, 1:52 PM
    • #5
    • 19th Jul 17, 1:52 PM
    Happy new diary, I look forward to hearing more abut your plans.
    EF £1000 - £0
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 19th Jul 17, 3:48 PM
    • 648 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    • #6
    • 19th Jul 17, 3:48 PM
    • #6
    • 19th Jul 17, 3:48 PM
    Joining you for the ride Fortune. Have subscribed. Quite excited to have caught the beginning of your new diary.
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 19th Jul 17, 3:51 PM
    • 7,756 Posts
    • 86,548 Thanks
    Tilly MFW in 6 YRS
    • #7
    • 19th Jul 17, 3:51 PM
    • #7
    • 19th Jul 17, 3:51 PM
    Hi Fortune, look forward to catching up with you.

    Best wishes Tilly x
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Moneyfordreams
    • By Moneyfordreams 19th Jul 17, 5:12 PM
    • 902 Posts
    • 4,420 Thanks
    Moneyfordreams
    • #8
    • 19th Jul 17, 5:12 PM
    • #8
    • 19th Jul 17, 5:12 PM
    wishing you a happy and wonderful new home x
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £158200
    h@lifax CC £4300 0% until May 2018.. will pay minimum for now, slow stooze
    CC daughter gift and holiday spends £2200
    • originalmiscellany
    • By originalmiscellany 19th Jul 17, 7:44 PM
    • 1,593 Posts
    • 3,839 Thanks
    originalmiscellany
    • #9
    • 19th Jul 17, 7:44 PM
    • #9
    • 19th Jul 17, 7:44 PM
    Looking forward to following your progress; am sure you will be a great success!
    Feb 2012 - onwards MF achieved
    June 2016 - Back into clearing a mortgage
    September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 - December 2017 down to 28.09 months vs 30.10 months at normal payment. Predicted mortgage clearing 03/2047 - now looking at 02/2045
    Aims: 1) To pay off mortgage within 20 years - 2037
    • Fortune Smiles
    • By Fortune Smiles 19th Jul 17, 8:23 PM
    • 2,593 Posts
    • 21,403 Thanks
    Fortune Smiles
    Little by Little
    How lovely to see you all thank you for the good wishes.

    Today has moved us forward a little:
    • the Living Room is clean and we have worked out where to put the furniture. Eventually I think we will need a corner sofa but that's not a priority at the moment. We have chairs - we just need more of them Some small occasional tables are needed so I will look out for them on the Bay of E
    • the new oven arrived I can put the camping stove away at last This was a necessary purchase as our old oven was integrated and there wasn't one here
    • we've realised we need a house sign. A courier delivered a couple of packages today and left them a little way down the road. For some reason a sign for the house is there rather than on our gate. The existing sign is wooden and rotted through so we won't be able to move it.
    • Mr F arranged for a couple of companies to come and quote for the barn repairs
    • I chased up our solicitor as we haven't had the completion balance refunded yet. It was supposed to reach us two days after completion but it seems our solicitor went on holiday without doing it Good job we're not desperate for the money. Perhaps we'll get some interest

    We are having a day off from cleaning tomorrow. I haven't left the house since we got here so feel I need a break. We will be popping into the market town to do a bit of house shopping and start exploring. There's a little left of this month's fun money so we might even stretch to lunch out

    Something I've noticed about The Shire is the number of butterflies here. They fly through the house every day

    Hope the downpours have missed you

    Fortune x
    Mortgage: 2.4% paid House Deposit Contribution: 88% Emergency Fund: 57%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • beanielou
    • By beanielou 19th Jul 17, 8:25 PM
    • 49,035 Posts
    • 182,072 Thanks
    beanielou
    Happy exploring
    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***
    • parsniphead
    • By parsniphead 19th Jul 17, 10:32 PM
    • 2,244 Posts
    • 14,283 Thanks
    parsniphead
    I'm halfway through your previous thread and up pops another. Wishing you well in your new home. I hope it's everything you want. I shall look forward to your posts.
    Nothing gets better until you get better.
    • Greying Pilgrim
    • By Greying Pilgrim 20th Jul 17, 7:22 AM
    • 3,934 Posts
    • 43,554 Thanks
    Greying Pilgrim
    Good Morning Fortune

    I'm extremely late to the party, but I'd like to wish you and Mr Fortune health and happiness in your new home.

    Hope your exploring today (? I think?) yields some unexpected treasure - or perhaps just a good place for lunch

    Looking forward to hearing all about your new adventures

    Greying X
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • EatingTheElephant
    • By EatingTheElephant 20th Jul 17, 7:30 AM
    • 1,162 Posts
    • 6,237 Thanks
    EatingTheElephant
    I'm very excited about your new diary!

    I can't wait to hear all about your adventures and mortgage slaying.
    • maddiemay
    • By maddiemay 20th Jul 17, 7:42 AM
    • 3,212 Posts
    • 28,222 Thanks
    maddiemay
    Enjoy your exploring, hope that you find a good lunch stop.

    I am , we have had a little rain this morning, first for ages, according to The Shire radio it is due to clear through and return later and tomorrow, it has been looking a bit parched in the southern end of the county.
    • VintageHistorian
    • By VintageHistorian 20th Jul 17, 9:56 PM
    • 273 Posts
    • 1,776 Thanks
    VintageHistorian
    Yay for new diary!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Make £3 a Day in September 2017 - £29.31/£90 (2017 total - £164.27) | Womble #03 - £4.32 | Overpayments in 2017 - £1063.78
    • brizzledfw
    • By brizzledfw 20th Jul 17, 10:54 PM
    • 7,159 Posts
    • 34,773 Thanks
    brizzledfw
    Sounds wonderful...bliss

    And the butterflies..so very special
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • in need of direction
    • By in need of direction 20th Jul 17, 11:18 PM
    • 4,737 Posts
    • 26,832 Thanks
    in need of direction
    Hello,another one along for the ride. Loving that you're still keeping fun money on the go.
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £130/200 cash.
    Current weight loss 7/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Fortune Smiles
    • By Fortune Smiles 21st Jul 17, 7:05 PM
    • 2,593 Posts
    • 21,403 Thanks
    Fortune Smiles
    A Day Off
    So many visitors Thank you everyone for your kind thoughts.

    We had a lovely day out yesterday. So nice to have a break from cleaning and unpacking.

    We went to a local visitor attraction which was free entry and gave us lots of decor ideas for the future. Then into the market town to do some chores and have lunch. We found a pub which served the best fish and chips I've ever tasted along with a decent glass of red and a local ale for Mr F. And only two thirds of the cost of the same meal down south

    Later we walked the footpath to our new local and had a light supper and another glass of red and local ale The reviews for this one said it was expensive and I think it probably is for the area but no more so than our previous local. The food was good and there was plenty of it. That's the last of the fun money for July though.

    Today's jobs included cleaning the landing and unpacking books. Lots of little bits and pieces have been delivered to help make life a bit easier and the house is starting to feel more like home. The costs are adding up though and I'm getting close to my budget so am giving careful consideration to any further purchases. We have managed to salvage the house sign and move it to a more logical site so it lives to fight another day

    It's pouring with rain here but all seems dry so far. I think the house is going to be cosy. It seems very well insulated.

    Hope you're all warm and dry tonight

    Fortune x
    Mortgage: 2.4% paid House Deposit Contribution: 88% Emergency Fund: 57%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • greent
    • By greent 22nd Jul 17, 7:43 AM
    • 6,512 Posts
    • 65,705 Thanks
    greent
    You're sounding quite settled already, which is lovely to read Glad you managed to salvage the sign
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £5278/£3286
    Net sales 2017 £1445.57/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
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