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  • FIRST POST
    • muddywhitechicken
    • By muddywhitechicken 12th Oct 12, 10:29 PM
    • 3,793Posts
    • 34,608Thanks
    muddywhitechicken
    Making chicken feed of my mortgage
    • #1
    • 12th Oct 12, 10:29 PM
    Making chicken feed of my mortgage 12th Oct 12 at 10:29 PM
    Hello

    After reading lots of inspirational MFW diaries I have decided to start one of my own as a record of my progress and to keep me motivated.

    When we relocated to our current house 4.5 years ago we gained a bedroom but more than doubled our mortgage
    Luckily Mr MWC had a very generous 4-year relocation package and even luckier it was paid out in full when he was made redundant 6 months later…

    A little about the mortgage…

    July 2002

    Original mortgage (interest only)
    4.49% fixed rate
    Redemption date = July 2027
    £90,250

    April 2008

    Further advance (repayment)
    5.62% fixed rate
    Redemption date = April 2028
    £106,190

    October 2012

    Original mortgage (interest only)
    2.50% BMR
    Redemption date = April 2028
    £88,660

    Further advance (repayment)
    2.50% BMR
    Redemption date = August 2026
    £79,832

    We have been paying £134/month into a S&S ISA for the past 10 years to pay off the capital on the interest only mortgage - fingers crossed. Note to self: check performance of S&S ISA.

    We made our first OP of £2,750 to the FA last November and this year we have OP’d the equivalent of paying the FA twice a month, every month

    A little about me…

    41 years old
    0 children
    7 chickens
    Work FT in a job that bores me to tears but pays well and allows me to finish at lunchtime on Fridays

    A little about Mr MWC…

    Happy to OP as long it doesn’t affect our lifestyle
    Recent convert to topcashback

    Today I have…

    Sold 2 boxes of eggs @ £1.25/box
    Shined my sink (after scrubbing it and bleaching it first)
    Made sausage, barley & kale stew for dinner
    Been unable to locate a dividend cheque for £265 that came in the post last week…

    muddywhitechicken
Page 297
    • edinburgher
    • By edinburgher 30th Oct 17, 12:19 PM
    • 10,738 Posts
    • 56,125 Thanks
    edinburgher
    Thanks MWC, trying to de-lurk, but can't face the fact that I have to confess a car purchase since last I posted
    • muddywhitechicken
    • By muddywhitechicken 30th Oct 17, 8:48 PM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    Well I've started by cancelling my gym membership!!!

    However, my membership doesn't end until 10 December and a new fitness & wellbeing centre is opening close to work in January. So...

    1. Go to the gym a minimum of 20 times before 10 December.
    2. Follow the WW plan properly in November and at least 5x/week in December.
    3. Reduce caffeine intake - maximum 1 coffee/day.
    4. Drink 1.5 L water/day (including weekends).
    5. No late nights in November.
    6. No watching rubbish made-for-TV Christmas movies when I'm home alone midweek (I have identified this as a trigger for binge eating ). Go for a walk instead!
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling )
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    9. No unnecessary spending!
    10.
    Originally posted by muddywhitechicken
    So how have I done on Day 1?!

    1. I went to the gym at 6 am
    2. I counted WW points (I've only eaten 24/30 points but I've had 3 meals, a snack & a milky coffee so I'm not going to eat anything else)
    3. Only 1 coffee but it was a good one (HM latte using freshly ground Vietnamese coffee beans)
    4. Drank 1.5 L water
    5. It feels so much later than 8-something so I'm planning to be in bed by 9.30 pm
    6. No rubbish TV (no evening walk either though)
    7. WFH home today and I started work on time
    8. & 9. Brisk walk to the supermarket at lunchtime (1 mile each way) and I spent
    £28.69 I really didn't need to buy dried porcini mushrooms, individual cheese portions, pastrami, smoked dry cured pork medallions or quite so much fruit and vegetables

    I've got a Me & My Self Esteem course at work tomorrow. I'm hoping to leave with more than I go with!
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • pinkypig
    • By pinkypig 30th Oct 17, 8:59 PM
    • 714 Posts
    • 6,316 Thanks
    pinkypig
    Delurking to say a huge well done with the pension pot
    I'm also trying to balance being MF with adding to my pension fund as I want to retire early but with a decent income (always did want to have my cake and eat it).
    I've always plugged away at my pension but have no idea of the value of the whole pension pot. I'm going to find out! Thanks
    • gallygirl
    • By gallygirl 30th Oct 17, 9:01 PM
    • 16,455 Posts
    • 107,804 Thanks
    gallygirl
    The walking works more as a food avoidance tactic
    Originally posted by muddywhitechicken
    Our problem is there is always a meal or drink at the end of the walk .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • greent
    • By greent 31st Oct 17, 9:49 AM
    • 6,420 Posts
    • 64,808 Thanks
    greent
    DId you contact fitbit about the death? - I had 2 die and they replaced foc - their customer service is fab (fitbit has to be less than 2yo, I believe)
    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) £5034/£3286
    Net sales 2017 £1221.45/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • muddywhitechicken
    • By muddywhitechicken 31st Oct 17, 9:03 PM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    DId you contact fitbit about the death? - I had 2 die and they replaced foc - their customer service is fab (fitbit has to be less than 2yo, I believe)
    x
    Originally posted by greent
    No, I didn't - it was a freebie that had been well used for a couple of years and the battery would no longer hold a charge.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 31st Oct 17, 9:04 PM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    Our problem is there is always a meal or drink at the end of the walk .
    Originally posted by gallygirl
    Didn't think the route through very well this evening... walked past two chippies
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 31st Oct 17, 9:26 PM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    So how have I done on Day 2?!

    1. Gym at 6 am [2/20]
    2. 29/30 WW points [2/32]
    3. 1 coffee [2/32]
    4. Drank 2 L water [2/32]
    5. Planning to be in bed by 9.45-ish [2/32]
    6. No rubbish TV [2/32]
    7. At my desk on time [2/32]
    8. & 9. Walked to the supermarket this evening and spent £2.01 - didn't need to buy roasted buckwheat groats but, in my defence, they have been on my store cupboard wish list for a while... [0/32]

    I make the last £500 transfer to my Regular Saver tomorrow. When it matures in December I had planned to pay £6,000 off the mortgage but now I think that I'll transfer £1,000 to the mortgage (so we end the year in the 30s ) and transfer the remaining £5,000 to my S&S ISA.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • Greying Pilgrim
    • By Greying Pilgrim 31st Oct 17, 9:41 PM
    • 3,909 Posts
    • 43,190 Thanks
    Greying Pilgrim
    Thought of you this morning mwc and when I was thinking about a second coffee, I drank a pint of tap water instead

    I will possibly have 2 coffees tomorrow, but as long as that is a rarity, not the norm, then I think that be improvement enough for me

    Keep up the good work

    Greying X
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • muddywhitechicken
    • By muddywhitechicken 1st Nov 17, 8:27 AM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    Thought of you this morning mwc and when I was thinking about a second coffee, I drank a pint of tap water instead
    Originally posted by Greying Pilgrim
    Well done Greying

    So I haven't been to the gym this morning but I did get to work early and go for a 30 minute walk in the sunshine before being back at my desk on time

    The Barnacle geese are back I don't think they've read the RSPB website on where to see them...
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 1st Nov 17, 9:04 PM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    1. No gym [2/20]
    2. 30/30 WW points [3/32]
    3. 1 coffee [3/32]
    4. Drank 1.5 L water [3/32]
    5. Planning to be in bed by 10 pm [3/32]
    6. No rubbish TV [3/32]
    7. At my desk on time [3/32]
    8. Root vegetable frittata & salad using eggs & salad leaves from the garden [1/32]
    9. I didn't go near a shop or buy anything online! [1/32]

    I've now picked 14 bags of salad leaves from the garden (~£2.59/bag)

    WR have sent me another 4 x £8 off a £40 spend coupons to use in November - I don't know whether to be or
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 1st Nov 17, 9:19 PM
    • 3,929 Posts
    • 36,200 Thanks
    Secret Saving Squirrel
    Those coupons just encourage you to spend more. They know what they are doing!
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • muddywhitechicken
    • By muddywhitechicken 2nd Nov 17, 9:17 PM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    Roll on 12:45 tomorrow and the start of my weekend

    Waiting (and waiting... and waiting...) for a colleague to deliver his phase of a very high priority project before I can complete mine - starting to get a bit stressed now, his reports are really late and I'm not sure he knows what he's supposed to be doing

    1. Went to the gym [3/20]
    2. 30/30 WW points [4/32]
    3. 1 coffee [4/32]
    4. Drank 2 L water [4/32]
    5. Pooped - planning to be in bed very soon [4/32]
    6. No rubbish TV - tempted as Mr MWC is out schmoozing a big boss but had a bath instead [4/32]
    7. At the dentist first thing but didn't dawdle/run errands in town afterwards so counting that as at my desk on time [4/32]
    8. LO root vegetable frittata & lots of homegrown salad for dinner [2/32]
    9. Dentist counts as a necessary spend; I didn't go near a shop or buy anything online! [2/32]
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 2nd Nov 17, 9:19 PM
    • 569 Posts
    • 2,194 Thanks
    wishingthemortgaheaway
    Regarding item 5) on your to do list - I honestly thought you'd put 'spend some time on the toilet' on your to do list. - life should never get that bad.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • muddywhitechicken
    • By muddywhitechicken 2nd Nov 17, 9:24 PM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    Regarding item 5) on your to do list - I honestly thought you'd put 'spend some time on the toilet' on your to do list. - life should never get that bad.
    Originally posted by wishingthemortgaheaway
    It made sense to me
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 3rd Nov 17, 8:51 PM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    With added clarity for Wish!

    1. Go to the gym a minimum of 20 times before 10 December.
    No [3/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    Yes, 30/30 WW points [5/32)]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes, 1 coffee today [5/32]
    4. Drink 1.5 L water/day (including weekends).
    2.5 L today [5/32]
    5. No late nights in November.
    Another early night planned as the devil child next door woke us up at 02:45 *yawn* [5/32]
    6. No watching rubbish made-for-TV Christmas movies when I'm home alone midweek (I have identified this as a trigger for binge eating ). Go for a walk instead!
    No rubbish TV (or walk) [5/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    On-time again today [5/32]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    YS venison sausages from the freezer with roast root vegetables for dinner [3/32]
    9. No unnecessary spending!
    Spent quite a lot today (but all necessary) on a deep tissue massage, petrol, bread/fruit/vegetables for us and lots of Christmas goodies for a food bank collection at work [3/32]

    1 bag of salad leaves picked and gifted to a friend (running total = 16 bags @ £2.25/bag)

    2/3 chooks that were still laying have started moulting so we are now down to a maximum of 1 egg/day from 6 chickens
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 3rd Nov 17, 9:02 PM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    Oh and I had some financial news...

    £9.20 claimed from TCB and transferred to MOP holding a/c
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 3rd Nov 17, 10:42 PM
    • 569 Posts
    • 2,194 Thanks
    wishingthemortgaheaway
    Very clear today mwc.
    Yesterday I was tired and not reason cohearently.

    Ypuve achievers a lot today.

    Enjoy your weekend.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • muddywhitechicken
    • By muddywhitechicken 4th Nov 17, 8:13 PM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    It's been an active day - the gym this morning and a 6-mile walk with Mr MWC this afternoon

    1. Go to the gym a minimum of 20 times before 10 December.
    Yes [4/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    Yes, 30/30 WW points [6/32)]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes, 1 free coffee today [6/32]
    4. Drink 1.5 L water/day (including weekends).
    1.5 L today but it was a struggle [6/32]
    5. No late nights in November.
    No later than 10.30 pm tonight [6/32]
    6. No watching rubbish made-for-TV Christmas movies when I'm home alone midweek (I have identified this as a trigger for binge eating ). Go for a walk instead!
    No rubbish TV, we're watching Gunpowder [6/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    N/A [5/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    & 9. No unnecessary spending!
    Some good - swede & bacon soup for lunch using LO bacon lardons from the freezer and YS chicken (also from the freezer) with vegetables (including PSB from the garden) for dinner; some bad - unnecessary food spends (see below) [3/32]

    I used the WR voucher £40.24 to use the £8 voucher + £10.52 to get a second free coffee for Mr MWC. Unnecessary spending for November but all things that we will use in December/January...
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 5th Nov 17, 10:18 AM
    • 3,793 Posts
    • 34,608 Thanks
    muddywhitechicken
    I stepped on the scales this morning and... I've lost 6.5 lb since Monday I've never, ever lost that much in 1 week before.

    I had hoped to lose 10 lbs this month but now I'm revising that to 1 stone

    No time for sitting around this morning as The Dads & That Woman are coming for lunch @ 1 pm and I really need to do some housework before they arrive...

    LO hula pork (from the freezer) followed by mincemeat crumble cake (made using a very old jar of HM mincemeat that I found at the back of a cupboard) & vanilla ice-cream (one of yesterday's unnecessary spends - well I consider it to be unnecessary as I won't be having pudding )
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
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