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  • FIRST POST
    • muddywhitechicken
    • By muddywhitechicken 12th Oct 12, 10:29 PM
    • 3,796Posts
    • 34,618Thanks
    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 298
    • apple muncher
    • By apple muncher 5th Nov 17, 7:43 PM
    • 6,537 Posts
    • 47,829 Thanks
    apple muncher
    Oh my - awesome weightloss! Well done.

    Oh my - that woman... Hope it went as okay as it can with her...
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • muddywhitechicken
    • By muddywhitechicken 5th Nov 17, 7:48 PM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    Oh my - that woman... Hope it went as okay as it can with her...
    Originally posted by apple muncher
    Wine was required!

    She had the audacity to say that my dad couldn't come for lunch next Sunday because he had to pick her up from the airport
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 5th Nov 17, 8:13 PM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    1. Go to the gym a minimum of 20 times before 10 December.
    No [4/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    Yes, 30/30 WW points [7/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes, 1 nespresso today [7/32]
    4. Drink 1.5 L water/day (including weekends).
    1.5 L again today [7/32]
    5. No late nights in November.
    No later than 10.00 pm tonight [7/32]
    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 Blue Planet II [7/32]
    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.
    LO hula pork from the freezer with pineapple/cashew/coconut brown rice salad & roasted red peppers for dinner [4/32]
    9. No unnecessary spending!
    No spending at all... we were going to go to a local fireworks display (£7/each) but decided to watch it from the bedroom window instead. It was really good which makes me feel even worse (it was for charity). I will buy some more items for my Christmas foodbank donation to appease my guilt. [4/32]

    It was a lovely sunny day here; unfortunately, after our guests had left, I only had time to go out and clean the chicken coop and protect my raised beds from the frost that is forecast.
    Last edited by muddywhitechicken; 05-11-2017 at 9:36 PM.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 6th Nov 17, 8:48 PM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    £60 JL vouchers (from CC) received today
    Added to our Frugal January Fund (along with £104.22 Nectar points, £20 M&S, £39 L2S (+£10 due), £5 Morrisons, £1.50 Tesco & the contents of the loose change pot)

    1. Go to the gym a minimum of 20 times before 10 December.
    Yes [5/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    Yes, 30/30 WW points [8/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes [8/32]
    4. Drink 1.5 L water/day (including weekends).
    2 L today [8/32]
    5. No late nights in November.
    No later than 10.00 pm tonight [8/32]
    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 [8/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    On-time today [6/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    HFW's roast cauliflower, almonds & barley with parsley & chilli [5/32]
    9. No unnecessary spending!
    NSD [5/32]
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 7th Nov 17, 9:40 PM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    Pension meeting at work today - they are changing our pension investments at the start of next year to a fund with higher (but not high) charges AND they're charging us for the transfer The paperwork states that the new fund has an active management style. When I asked them to clarify how actively it was managed I got the following answer: "The XXX Fund is largely passively managed which helps to keep costs low. An element of XXX is actively managed on a "light touch" basis with an annual review." That's not actively managed at all then It's now time to seriously think about self-managing (something I was hoping to avoid)

    1. Go to the gym a minimum of 20 times before 10 December.
    Yes [6/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    Yes, 30/30 WW points [9/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes [9/32]
    4. Drink 1.5 L water/day (including weekends).
    1.5 L today (just and I will probably need to get up twice in the night now as I've just drunk the last 250 mL ) [9/32]
    5. No late nights in November.
    No later than 10.00 pm tonight [9/32]
    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 TV at all, phoned my aunt in Canada instead [9/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    On-time today even in Tuesday morning traffic (worst day of the week) [7/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    Roast chicken (2 small thighs from the freezer), roast BNS (from the squash stash in my vegetable drawer) & salad from the garden (now at £2.11/bag) [6/32]
    9. No unnecessary spending!
    £36 spent on necessary car maintenance [6/32]
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 8th Nov 17, 9:21 PM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    I've signed up for the new gym - £45/month from the end of January - and I've signed the DD mandate for the £500/month transfer to my S&S ISA

    1. Go to the gym a minimum of 20 times before 10 December.
    No [6/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    Yes, 30/30 WW points [10/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes [10/32]
    4. Drink 1.5 L water/day (including weekends).
    1.5 L today [10/32]
    5. No late nights in November.
    No later than 9.45 pm tonight [10/32]
    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 [10/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    On-time again today [8/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    Store cupboard tea - red lentil & cumin soup with pitta chips [7/32]
    9. No unnecessary spending!
    NSD [7/32]
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Nov 17, 3:39 AM
    • 582 Posts
    • 2,222 Thanks
    wishingthemortgaheaway
    Love your list mwc.
    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 9th Nov 17, 8:02 PM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    Thanks Wish

    Roll on the weekend - my patience has been tried on several occasions this week... and it was nowhere to be found... I've been all week

    1. Go to the gym a minimum of 20 times before 10 December.
    Yes [7/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    Yes, 30/30 WW points [11/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes [11/32]
    4. Drink 1.5 L water/day (including weekends).
    2 L today [11/32]
    5. No late nights in November.
    Planning on no later than 9 pm tonight [11/32]
    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 TV [11/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    5 minutes late today - I left in plenty of time but traffic was dreadful [8/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    Smoked mackerel, parsnip & puy lentils with peppery salad leaves from the garden - the mackerel was an unnecessary purchase last weekend but we had everything else [8/32]
    9. No unnecessary spending!
    Oops the temptation was too great and I pre-ordered the QVC Elemis TSV - in my defence, it was £150 of products for £50.91 incl. P&P and I will almost definitely get £50 from my dad for Christmas [7/32]

    Now at £2.00/bag for our HG salad leaves
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • apple muncher
    • By apple muncher 9th Nov 17, 8:18 PM
    • 6,537 Posts
    • 47,829 Thanks
    apple muncher
    I feel personally responsible for the traffic on your way to work, MWC. (Even though I catch the bus!)
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • muddywhitechicken
    • By muddywhitechicken 9th Nov 17, 8:38 PM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    I feel personally responsible for the traffic on your way to work, MWC. (Even though I catch the bus!)
    Originally posted by apple muncher
    thanks Apple!
    I think everyone decided to leave earlier than normal as a colleague arrived 30 minutes later than me and said that there was less congestion than normal
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 10th Nov 17, 9:51 PM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    1. Go to the gym a minimum of 20 times before 10 December.
    Yes [8/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    Yes, 30/30 WW points [12/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes but already thinking about tomorrow's... free WR, Vietnamese or limited edition Nespresso? Decisions, decisions!
    [12/32]

    4. Drink 1.5 L water/day (including weekends).
    2.5 L today [12/32]
    5. No late nights in November.
    No later than 10 pm tonight. I'm not feeling the benefit yet. [12/32]
    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!
    Went for a DT massage this evening, watched a bit of the footie and HIGNFY [12/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    Back to being punctual today [9/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    Ham, egg & chips this evening - the ham was an unnecessary purchase last weekend, eggs from the garden, gifted potatoes from a neighbour's allotment [9/32]
    9. No unnecessary spending!
    More not really necessary spending - 6 mixed squash to add to my squash stash and 4 melons is a bit OTT even if they were on offer. Bad MWC. [7/32]
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • apple muncher
    • By apple muncher 11th Nov 17, 7:28 AM
    • 6,537 Posts
    • 47,829 Thanks
    apple muncher
    Have you tried 'no screen time' for 30-60 mins before bed? Might help with sleeping....
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • muddywhitechicken
    • By muddywhitechicken 11th Nov 17, 8:23 AM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    No, it's usually 15 minutes. I don't have any trouble falling asleep but then I wake up when Mr MWC comes to bed, I wake up because I need to pee, I wake up when Mr MWC gets up to pee, I wake up because I'm too hot...

    I've been to the gym for an hour this morning and now I'm just waiting for it to stop raining before I walk into town to run some errands.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • michelle09
    • By michelle09 11th Nov 17, 11:39 AM
    • 395 Posts
    • 1,474 Thanks
    michelle09
    Hehe, I am impressed on your caffiene - I couldn't do it. But last week I was in bed by 9.30pm every night so it's clearly not impacting.
    • CathT
    • By CathT 11th Nov 17, 3:57 PM
    • 5,357 Posts
    • 36,784 Thanks
    CathT
    I drink de-caf with the occasional 'proper' coffee. I am in bed by 9pm most nights! I do find though if I have a proper coffee it doesn't give me the energy boost I assume it will.
    Nov 2017 -
    part 1 - £79,999
    part 2 - £46,117
    Total - £126,116
    • muddywhitechicken
    • By muddywhitechicken 11th Nov 17, 8:51 PM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    Fairly lazy day - must be more productive tomorrow.

    1. Go to the gym a minimum of 20 times before 10 December.
    Yes, 1 hour today [9/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    Yes, 30/30 WW points [13/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes, the limited edition Nespresso espresso macchiato won!
    [13/32]

    4. Drink 1.5 L water/day (including weekends).
    Yes [13/32]
    5. No late nights in November.
    No later than 10 pm again tonight [13/32]
    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!
    Lots of rugger, Detectorists and Motherland [13/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    N/A [9/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    Big fail - sushi and sashimi from WR's fresh sushi counter for dinner [9/32]
    9. No unnecessary spending!
    £27.65 spent on dinner... [7/32]
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 12th Nov 17, 8:52 AM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    Weigh day... I only lost 0.5 lb this week but that is half a stone in a fortnight

    Plans for today:

    - dead head pansies/tidy pots
    - rearrange pots/bring some into the conservatory
    - pull up the last few annuals/tidy up the perennials but there's not much left to do in the flowerbeds
    - get the new leaf blower/vac out of the box and use it
    - clean chicken coop
    - frost protection for my salad leaves
    - lots of laundry
    - clean bathroom
    - choose & order nephew's 1st birthday & Christmas gifts from his wishlist (I've been waiting until my dad is here and I'll order presents from Grandad as well)
    - write his birthday card whilst Mr MWC is here so it is ready to post mid-week
    - prep what I can food-wise for the next few days (I've already meal planned and WW-pointed for the whole week!)

    I was going to order Mr MWC's Christmas present but I've just found out that he's away most of the next 5 weeks so plenty of time for it to be delivered without him seeing it...
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 12th Nov 17, 8:26 PM
    • 3,796 Posts
    • 34,618 Thanks
    muddywhitechicken
    Plans for today:

    - dead head pansies/tidy pots
    - rearrange pots/bring some into the conservatory
    - pull up the last few annuals/tidy up the perennials but there's not much left to do in the flowerbeds I also picked the last raspberries & cut back the canes.
    - get the new leaf blower/vac out of the box and use it - No, that's the third weekend I've been meaning to use it and haven't
    - clean chicken coop Miss Betty aka Miss MWC looked really cold & miserable today (she's moulting and there isn't an ounce of fat on her)
    - frost protection for my salad leaves
    - lots of laundry Fifth load just finishing, managed to get some line-dried
    - clean bathroom
    - choose & order nephew's 1st birthday & Christmas gifts from his wishlist (I've been waiting until my dad is here and I'll order presents from Grandad as well) Birthday & Christmas gifts from Grandad, Auntie MWC & Uncle MWC, & The Girls (chicken-themed of course!) ordered. Also ordered Christmas gifts for the children next door from The Girls.
    - write his birthday card whilst Mr MWC is here so it is ready to post mid-week
    - prep what I can food-wise for the next few days (I've already meal planned and WW-pointed for the whole week!) Another bag of salad leaves picked (£1.89/bag)

    1. Go to the gym a minimum of 20 times before 10 December.
    No [9/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    Yes, 30/30 WW points [14/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes [14/32]
    4. Drink 1.5 L water/day (including weekends).
    Yes, 1.75 L [14/32]
    5. No late nights in November.
    I've a headache so I'll be in bed by 9 pm tonight [14/32]
    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 [14/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    N/A [9/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    Beef rendang for lunch using YS meat from the freezer & sprout soup for tea [10/32]
    9. No unnecessary spending!
    No spending apart from the gifts above [8/32]
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • michelle09
    • By michelle09 13th Nov 17, 6:39 PM
    • 395 Posts
    • 1,474 Thanks
    michelle09
    Definitely a productive day! Not sure our washing machine would do 5 loads in a day.

    Well done on the weight loss. Half a stone in a fortnight is nothing to be sniffed at!
    • pinkypig
    • By pinkypig 13th Nov 17, 8:05 PM
    • 720 Posts
    • 6,322 Thanks
    pinkypig
    Your targets are great - you've inspired me to drink more water
    I don't think you or anybody else will ever get me down to one coffee a day though
    Congratulations on your weight loss.

    PP xx
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