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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,439Posts
    • 7,120Thanks
    Kittenkirst
    Getting a mortgage and then becoming mortgage-free!
    • #1
    • 5th Feb 16, 10:35 AM
    Getting a mortgage and then becoming mortgage-free! 5th Feb 16 at 10:35 AM
    Hi all!
    So from my title you may have guessed I don't yet have a mortgage, however I am hoping that will all change within the next few weeks.
    I will then start on overpaying the mortgage and really penny pinching to try and reduce it down as much as possible!

    I'm hoping this is alright to start my diary in here? :-)

    The story so far, my lovely girlfriend and I have been discussing getting a place together for some time. We started looking at houses (al very small and far from her parents- which is a no-no, we want to be close to them to visit regularly). Last weekend we went to see a new build development and fell in love with a house- less than 2 miles from her parents, perfect size for the two of us and within our budget (from getting mortgage in principle information and confirming monthly payments were well within our budgets).

    Sooooo we took her parents round for their seal of approval, spoke with an agent we know through the family about pertinent questions to ask, did lots of number crunching and then placed a reservation.....

    ....so we've now got paperwork from solicitors re the conveyancing etc and paperwork from the mortgage advisors to sort out this weekend.
    We have re-jogged our budget to ensure we had the deposit in savings by end of Feb (we thought we'd have a few months before we found anywhere) so are ready to almost hand over £18500 :O

    I have agreed to move into her parents house and pay rent in mid March to prevent paying rent, bills and food (will save an extra £500 a month) so we should be in a good position for when the house is ready September/October time!

    Does anyone have any hints or tips so far?

    Our brokers/solicitors are ones recommended by family who've used them and really recommend them and we've sense checked the rates the solicitors charge to ensure its competitive.
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
Page 41
    • newgirly
    • By newgirly 18th Jul 17, 7:08 AM
    • 5,682 Posts
    • 38,939 Thanks
    newgirly
    Congratulations finding the lost pension, that's amazing
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 8.5lb lost
    • Kittenkirst
    • By Kittenkirst 18th Jul 17, 7:48 AM
    • 1,439 Posts
    • 7,120 Thanks
    Kittenkirst
    Sounds like you've been really productive MichaelDH I find it amazing just how much cheaper Aldi/Lidl are compared to other supermarkets still.

    I forever check the free postcode lottery but so far no wins....will keep on clicking daily as takes two minutes so worthwhile I think

    I find Pinecone I get two per month now quite spaced out, and they always pay so promptly. I always use the Paypal option and transfer straight away.

    eBay buyers have both paid so will pack items today;going to use the found £5 to pay for postage so all pennies (£16 leaving a little in Paypal to cover eBay fees) have been OP'd. Makes me feel a little better that we aren't sending our monthly £89.8 across if I can send lots of little additional bits.

    I'm feeling pretty queasy and dizzy today so going downstairs in a bit and will see about logging in. If the laptop screen causes me isssues though I may have to call in sick and not go out for dinner will see in an hour!

    I'm still quite giddy about finding that account yesterday- gives me a better start to my pension plans than I had thought !
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • shangaijimmy
    • By shangaijimmy 18th Jul 17, 8:07 AM
    • 2,000 Posts
    • 8,504 Thanks
    shangaijimmy
    Second those Aldi/Lidl comments. Not sure how we'd be able to afford anywhere else with 3 kids (1 still in nappies) and a dog!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • MichaelDH
    • By MichaelDH 18th Jul 17, 12:39 PM
    • 6 Posts
    • 51 Thanks
    MichaelDH
    Hi Kittenkirst and Shangaijimmy

    I'm definitely going to stick with using Aldi and may try Lidl. I try to cook from scratch as much as possible so should be able to find most things I need. Anything I can't find I will try to stock up elsewhere when on offers etc.

    How did the kittens get on yesterday Kittenkirst? Hope you and the kittens are feeling better soon
    • themadvix
    • By themadvix 19th Jul 17, 7:37 AM
    • 889 Posts
    • 4,331 Thanks
    themadvix
    Hope you're feeling better soon KK!

    Amazing pension fund find - and you were surprised you'd let a fiver slip under your nose

    Hope the boys weren't too traumatised by their 'ordeal' - I don't think ours even noticed, bless them.
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Kittenkirst
    • By Kittenkirst 19th Jul 17, 1:19 PM
    • 1,439 Posts
    • 7,120 Thanks
    Kittenkirst
    Feeling much better today, which is good really as left the house at 530am to get up north and be in the office for 8am!

    Hugo and Oscar are completely back to normal and being little tykes at nighttime, keeping us both awake with either the battle tank purring & licking or racing around the house using us as springboards in their game of chase!!!

    Their surgery was £9 cheaper than we thought as we forgot when we did the 'best start in life' package it included 10% discount for neutering, so I've promptly overpaid the £9 to the mortgage as we had budgeted it in!

    Didn't manage to pack lunch today so spends of £2.45 on a jacket spud with tuna and side salad. Must try harder next week when back up here!

    Prolific is going well, up to £23 once I complete the last bit of the £10
    Survey tomorrow....can then cash out and overpay. Yay!

    Martins weekly email had a section about student loans so have bookmarked that to read tomorrow when home and see whether I should pay it off as only around £500 left; I can then put the money straight back into savings and prevent overpayment of the loan...will see tomorrow on that one.

    Eye test (free with work voucher that I must print today) changed from tonight to tomorrow as I had to be up north tomorrow instead of today, but gf had meetings today so I rearranged so I can drive, she may drive some of the way home but we'll see in a bit. She's not yet driven on the motorway and is understandably anxious about it.

    Had a fab evening out last night with friends and came in £1.25 under budget so only £23.75 spent. Out again with different friends tomorrow and hoping for similar spends so as not to blow the budget so early into my month!

    We've set up one of our nest cameras and the picture quality and notifications are just great! Although we get notification emails when the kittens jump onto the windowsill, which is very cute'! Need to fix it to the wall so our friend will be over in the next week with his handy drill to lend a hand!

    Will check free postcode lottery tonight when home, do some washing and dry on the airers. Mortgage payment day tomorrow, won't be doing the usual £89.80 overpayment but will sweep £9.80 over to TT the payment making it £830. It's better than nothing!
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • ch4rly2002
    • By ch4rly2002 20th Jul 17, 10:07 AM
    • 194 Posts
    • 826 Thanks
    ch4rly2002
    Hey KK, I'm a bit behind on reading blogs with my decluttering mission, but it sounds like you're getting on great.

    I'm glad the Prolific is working well for you. Well done on getting a £10 one! I find it really does add up well.

    Amazing pension find! well done That beats the £5 purse find Must be a great feeling. Does that alter your thinking on your contribution amount or will you still increase it? I find it hard to decide between upping the pension and paying the mortgage early. I guess a mix of both is probably best.

    Hope the boys are doing ok after their op x
    Savings: Aim £10k. Dec 2016 £1,700 / Current £9,825
    Mortgage: Dec 2014 -£216,000 / Current -£197,300
    BTL Mortgage: Dec 2014 -£136,000/ Current -£125,800
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£35,655.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    CC 0%: Nov 2016 -£4,500 / Current -£3,613.77
    • Kittenkirst
    • By Kittenkirst 20th Jul 17, 12:09 PM
    • 1,439 Posts
    • 7,120 Thanks
    Kittenkirst
    Hi Charley yes boys are both fine but we are now trying to get them out of he habit of waking us up throughout the night wanting to lick our arms and snuggle. The snuggles are lovely but the 1.5hr sleep a night is not working well for us. Last night went okay, we are encouraging them to snuggle down on the duvet but moving them if they start to lick arms. They both curled up cutely after a few attempts so wil stick with it.

    On the pension front whilst it's a nice find, in the scheme of pensions it's not a huge amount so I'm still planning to up the contributions. I've printed the form to increase to 6% for the moment, once student loan is repaid I will then up to 8% and go from there. My company double the contribution up to a certain amount but I'm not sure what that is so I need to check that too.

    I'm thinking I want to do four things at the moment with an eye for retirement. Mortgage OP's, pension plan, lifetime ISA contributions and also premium bonds.

    I'm a pretty cautious person so having eggs in different baskets makes me more comfortable; I've just got to make sure I don't get overexcited and overcommit myself!

    Made a few OPs yesterday and today;

    £4.36- one of the thermostats sell on eBay so moved money minus what I think fees and postage will be across:

    £9.80 TT to round the mortgage payment up to £900

    £4.59 cashback from tsb for our joint account

    £1.08 from ClickSnap for groceries: as it's a small amount I've whacked it to mortgage rather than grocery budget.

    That makes OPs this month £71.17 without the bigger payment we usually make! Am hoping to hit payout on Proific this month to bolster that to £90 so it covers our standard monthly OP.

    MichaelDH- I'm looking forward to you starting your diary as sounds like you're cracking on with so much which helps give me motivation!

    Work is pretty pants today: have a deadline for a key piece of work and someone's thrown a massive spammer in the works, none of the stakeholders want to get involved (will be a huge change and project) and I'm left to bear the brunt this evening. Hmph. I'm going to have my breakfast and lunch and then come back and try looking at the problem from another angle and if that fails call my boss for some help. He's new though so hasn't a clue when I've asked him before.

    Off for a break and to try and garner some motivation- wish me luck!! ;p
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • Viking_mfw
    • By Viking_mfw 20th Jul 17, 1:21 PM
    • 22 Posts
    • 98 Thanks
    Viking_mfw
    Good luck with the kitten training. Ours go fine til about 3 am at which point one in particular will come and try and snuggle on a chest which is very uncomfortable and also noisy. We tend to shut them out at that point.

    The other one doesn't tend to disturb us, he just has a purr so loud you can hear him from the next room.
    • Kittenkirst
    • By Kittenkirst 21st Jul 17, 8:11 AM
    • 1,439 Posts
    • 7,120 Thanks
    Kittenkirst
    Kitten training continues and am finding that hugo (who is the cuddliest of the brothers) is being a bit more clingy and demanding more attention than before. Work in progress I think!

    Am in Milton Keynes this morning with work but an hour early for my appointment as was advised to get here early for parking! So sat in Starbucks with a frothy coffee.

    Meal last night was delicious, spent £26 in total so not bad at all and there was a lot of good food! (Indian Queen for any Leicester peeps) and lovely to catch up, my old boss came out as did some colleagues who left a few years ago so it was great to all have a chat, a giggle and a few pints too

    Got home to such sad news about Chester from Linkin Park; so very sad. I've loved Linkin Park since I was a teen (I was a full on metaller/screamo/emo girl when I was younger) but found their later stuff went on a softer vibe- still great and I have fantastic memories of seeeing the with Jay-Z, seeing them on their own and headlining Download festival.
    So sad that he felt this was his way out

    On the walk into Starbucks I passed people living in tents in the underpass. Gives me complete shivers. I've decided to buy some food and leave it beside the tents for them for when they wake. It's not much but a bit of kindness.

    Right, off to read some diaries and then head over for my appointment. Have lovely days everyone and give those you love an extra squeeze today x
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • themadvix
    • By themadvix 21st Jul 17, 10:02 AM
    • 889 Posts
    • 4,331 Thanks
    themadvix
    A lovely act of kindness there KK. It is awful seeing people living like that

    We don't let our boys in our room at night (despite pleading from them and DH - he's not the one who'd be woken by clingy cat). Unfortunately this means that we tend to get woken by miaowing and scratching at 6.30 most days (woe betide anyone who goes to the loo or makes noise once the sun is up, even if that's 4am!). We have used plugged in hoover to deter the scratching in the past, but with stressy/clingy cat, we worry it makes his stress worse! But at least we can sleep in comfort and without fear of suffocating a cat!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Kittenkirst
    • By Kittenkirst 21st Jul 17, 1:01 PM
    • 1,439 Posts
    • 7,120 Thanks
    Kittenkirst
    I'm back home now ready for some lunch before my next calls at 2pm, can't wait for 3pm when I can log out; this weeks felt like a long & tough old week!

    Good deed for the day completed; spent £12 on some sandwiches, croissants, biscuits and bottles of water and left them in a bag outside one of the tents in the hope that they will share it amongst themselves. £12 well spent I think, makes me feel better that i feel I'm helping if only for a morning by filling a tummy and will hopefully give someone whose having a bad time the feeling that people do care.

    90p tilly tidy sent over to the mortgage and a quick survey completed on prolific on my lunch break. No other made activities this morning. Will package up the eBay sale and post that out today then it's a nice quiet evening in after my free eye test
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • Kittenkirst
    • By Kittenkirst 22nd Jul 17, 8:27 PM
    • 1,439 Posts
    • 7,120 Thanks
    Kittenkirst
    Eye test went well last night- prescription has changed slightly so am going to give GlassesDirect a try next week.

    I looked round the shops near Boots and picked up lots of items but I managed to put them back each time and wall away. I don't need a new work dress from next sale, or more nails Inc nail varnish as I rarely wear the ones I have! Pleased I managed to resist the urge.

    Today was a little more spendy ; went to see my big brother in Oxford and treated him to whatever he wanted for lunch; he chose Burger King but I almost fell over when the lady said how much the order came to- £27 for burger meals for 4!!!

    So a bit more spendy than we had planned but it was good to se my brother, he confided that his schizophrenia has been a bit difficult the past few months so he's been to his doctors and got his meds increased a little which he said is helping. It's great news that he is identifying when he is feeling worse and seeking help when he needs it. I did get a bit upset when I left as sometimes it hits me that he will have to battle with this all his life, he won't ever get better. I comfort myself that he is okay with this and has a lot of coping mechanisms and support networks out there, but still sometimes it does upset me.

    On a more positive note, we went to the gym today and I smashed 580 cals by running, stepping & doing the dreaded dips! So that burns off 2/3rds of that burger!

    Prolific is now up to £13.03 with another £16 awaiting approval. Hoping that approvals soon as want to overpay that £29 as soon as possible. Another Pinecone survey and a Yougov survey also done, really trying to bolster those values.

    A little new pile of eBay stuff to try and list tomorrow: a book, an old Motorola pebble phone, two headsets/earphones for spares, an older Guess purse and empty perfume bottle. Will whack them all on eBay and see if they sell. If they don't will relist them once and then in/charity shop if suitable

    Quiet evening in with the gf, kittens and sky box sets coming up
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • Kittenkirst
    • By Kittenkirst 23rd Jul 17, 5:09 PM
    • 1,439 Posts
    • 7,120 Thanks
    Kittenkirst
    Lovely lunch made at gf's parent; we made a Chana dhal, a shak (curry) similar to my favourite (a quicker version) with salad & rotlis. Delicious!

    Got gf's phone screen replaced finally- I dropped it a few months back and she was ok with it as she only has two more months of contract and it still works. She's dropped it several times since and it's got worse so I've paid for it to be replaced. £43 so not too bad but still it wasn't budgeted for.

    Quick grocery shops at Aldi & Tesco; got some YS BBQ chicken; the multibug offer kicked in making it £6 for three packs of chicken which isn't too bad. Got the rest of our shopping list at Aldi as is cheapest

    Now watching Power and relaxing!

    TT of 45p yesterday and 58p today.
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • Kittenkirst
    • By Kittenkirst 24th Jul 17, 9:06 AM
    • 1,439 Posts
    • 7,120 Thanks
    Kittenkirst
    Morning lovelies!

    We decided we needed some fresh air last night so headed to that blackberry patch we have found. Picked a takeaway container of berries before the heavens opened. Berries all washed and popped in the freezer....cannot wait for crumble season

    Had a splurge last night...I've been longing for a nice fluffy superdry hopdie but couldn't bring myself to pay £55 for a hoodie...or even with 20% discounts they do mid season. It's now in the sale and in my size, so I ordered it with free home delivery. £27.50. I didn't need it. Hmmmm.

    On the more brighter side I listed five items last night and relisted a thermostat that had no interest. Weirdly after relisted it has some watchers! Odd world eBay is!


    88p TT today as the tv licence DD has claimed.

    Work time now cuppa is done best get earning the pennies!
    Last edited by Kittenkirst; Yesterday at 9:13 AM.
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • MichaelDH
    • By MichaelDH 24th Jul 17, 5:27 PM
    • 6 Posts
    • 51 Thanks
    MichaelDH
    Hey Kittenkirst

    Glad you’ve treated yourself to a new hoody – if you really want something then it doesn’t matter that you don’t actually need it, plus you’ve done so well so deserve to spoil yourself once in a while!

    We had a look for flooring at the weekend, we want an engineered oak in the living room/dining room (now one huge room with French doors out to the garden so not going to risk carpet) and in the hall. Looking at around £2k excluding fitting!

    Also went and had a look at some furniture. Found a leather sofa we both liked in Harvey’s so think we may order that. It’s a three-seater power recliner and around £1100 in the sale so not too bad at all really. We also popped to a nice independent home furnishing shop, if money wasn’t an issue I could spend an absolute fortune in there! I did find an amazing love seat that I really fell in love with. It’s super soft and has like a silver and grey textured patter – would complement the dark grey leather sofa perfectly, but it’s £900 so will have to think that over… Lastly we visited Oak Furniture Land and found a really nice glass topped dining table that we could have with highbacked scroll chairs in a charcoal material, again complimenting the other furniture we chose, and also a large side board and a dresser, around £2k in total for everything. Lots to think about, it is a lot of money to spend but at the same time it is needed. On the plus side I can’t face ordering from OFL in store as they are just too pushy, so if we go ahead I will order online and get cashback from Quidco. Every little helps. Just fed up of the rubbish Ikea sofas we moved with us, and also fed up of not having any flooring down and worrying about another drafty winter with bare floorboards. Would also be nice to be able to sit at a table to eat our meals. I’m not very good at spending money, find it a bit stressful after being a bit too frivolous in my youth and getting in to a mess that took a few good years of hard work and belt tightening to put right.

    We ordered a new car for Drew last week, thankfully it’s not due to arrive for another 12 weeks so that’s 12 weeks until we have to start paying for it. Decided to give leasing a go as worked out about £150 per month cheaper than a PCP with the dealer for the car we wanted. Did think about ordering a car for me too but to be quite honest my car is worth more to me than what I would get for it if I sold it so will probably keep it a bit longer and keep my fingers crossed nothing major goes wrong with it now that it’s five years old.

    Popped to Aldi again yesterday but found it really frustrating not being able to get everything on our list. Also going through the checkout can be an experience to say the least… Why do they insist on trying to break some kind of world record when scanning the shopping???

    My car insurance and the house insurance are both due for renewal early next month so my job for this week is to check out the comparison sites and cash back deals.

    Oops didn’t intend my message to be so long but got a little carried away… think the rambling has been slightly therapeutic though.

    Good luck staying on track this week!

    Michael x
    • Kittenkirst
    • By Kittenkirst 24th Jul 17, 10:06 PM
    • 1,439 Posts
    • 7,120 Thanks
    Kittenkirst
    Sounds like you had a busy weekend Michael!
    What type of car did your Drew get? How exciting!

    More blackberries picked on the walk home from parents after work today so washed and packed into the freezer already I also found some chopped apples in the freezer....itching to make either a crumble or a apple & blackberry crumble tray bake...will wait until the weekend and then share the baked goods

    Pinecone credit of £3 cleared so have requested it to Paypal, prolificsnuw at £15 but that £10 survey won't be finalized until 4th so will be on next months overpayment unfortunately.

    No gym today so cross trained for half hour and took a walk to gf parents & back. Using the old slender tone whilst watching coronation street now. I've started a nice notepad with fitness plans. First page dedicated to weight & measurements and then workout plans incorporating both cardio & weight training.

    Porridge & jam for brekkie as it's dropped a bit cold out, Leftover dhal mixed with some leftover tinned spuds and some spinach for lunch today. Inner was YS chicken tikka kebabs with a carrot salad, spinach and some wholewheat noodles & sweetcorn. MyFitnessPal says I need to eat more however I'm pretty stuffed!!

    Debating dinner tomorrow: we have frozen turkey mince so maybe courgetti and normal spaghetti and a turkey bolognaise. Will have a ponder.
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
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