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  • FIRST POST
    • muddywhitechicken
    • By muddywhitechicken 12th Oct 12, 10:29 PM
    • 3,801Posts
    • 34,688Thanks
    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 290
    • muddywhitechicken
    • By muddywhitechicken 5th Aug 17, 8:25 AM
    • 3,801 Posts
    • 34,688 Thanks
    muddywhitechicken
    Mr MWC & I were in the London Stadium last night for the athletics WOW what an amazing experience - worth every single penny of the £150 we paid for tickets

    Operation party-readiness needs to be ramped up this weekend...

    * Mow the lawn
    * Deadhead & tidy up the flower beds & pots
    * Pressure wash chicken coop
    * Pressure wash outside & deep-clean inside of conservatory
    * Clean windows inside & out
    * Put stuff in the loft
    * Take more stuff to the tip
    * Nag Mr MWC to tidy his office (the alternative is I do it one evening this week whilst he's out of the country and I'm not sure that he'll think that's an acceptable alternative!)
    * Make lists of things-to-do for the rest of the week

    + hair cut this morning and out for cocktails & dinner with friends this evening

    I'm exhausted just thinking about it...!
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • A Frayed Knot
    • By A Frayed Knot 5th Aug 17, 8:33 AM
    • 2,133 Posts
    • 9,583 Thanks
    A Frayed Knot
    Sounds like you too, have a busy day planned. Sounds very similar to my day (half planned), without the dinner and cocktails.

    Good Luck and enjoy your cocktails with dinner tonight, will be well deserved if you manage to get through your massive list of "to do's" today.
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £2422.71 + Phantom o/ps 2017 -£1367.81 so far
    • muddywhitechicken
    • By muddywhitechicken 5th Aug 17, 12:40 PM
    • 3,801 Posts
    • 34,688 Thanks
    muddywhitechicken
    Well so far I've done a big fat zero from The List... it started raining heavily just as I got home so outdoor tasks will rollover to tomorrow.

    Off to make a start on the conservatory before lunch (fresh sushi )
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • gallygirl
    • By gallygirl 5th Aug 17, 10:02 PM
    • 16,459 Posts
    • 107,859 Thanks
    gallygirl
    Well so far I've done a big fat zero from The List...
    Originally posted by muddywhitechicken
    I've not even looked at my list let alone done any of it . Did try to do one thing but phone call went unanswered. Shocking!
    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"
    • muddywhitechicken
    • By muddywhitechicken 6th Aug 17, 11:30 AM
    • 3,801 Posts
    • 34,688 Thanks
    muddywhitechicken
    Did try to do one thing but phone call went unanswered. Shocking!
    Originally posted by gallygirl
    Moi???!!!
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 6th Aug 17, 5:54 PM
    • 3,801 Posts
    • 34,688 Thanks
    muddywhitechicken
    We've been much more productive today

    * Mow the lawn - done
    * Deadhead & tidy up the flower beds & pots - done
    * Pressure wash chicken coop - done
    * Pressure wash outside & deep-clean inside of conservatory - done
    * Clean windows inside & out - 1/2 done
    * Put stuff in the loft - done
    * Take more stuff to the tip - done
    * Nag Mr MWC to tidy his office (the alternative is I do it one evening this week whilst he's out of the country and I'm not sure that he'll think that's an acceptable alternative!) - done and I only had to ask once
    * Make lists of things-to-do for the rest of the week - not yet

    + 4 loads of laundry
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • shangaijimmy
    • By shangaijimmy 6th Aug 17, 8:30 PM
    • 2,275 Posts
    • 10,562 Thanks
    shangaijimmy
    I'm tired reading that!
    MFW: Turning June 2036 into March 2023... 33//120 Payments Challenge, Diary Reduction £35,448.08
    Aug 2009: £163,051 // Current: £100,551.94 // Avg Daily Interest £4.52
    MFiT-T4 #8 - 56.74% of £41,000
    • gallygirl
    • By gallygirl 6th Aug 17, 9:28 PM
    • 16,459 Posts
    • 107,859 Thanks
    gallygirl
    Moi???!!!
    Originally posted by muddywhitechicken
    No not you sweetie .

    Phone call done, selling a mattress tomorrow for €10 - means I need to leave the house in the afternoon when it's at the hottest, but needs must . It's at the apartment and I need to go there anyway to sort a few things out. And it's forecast to be cooler tomorrow - thank goodness .

    Well done on your progress - much more impressive than mine! I did do computer based admin for a few hours but nothing to tangibly see for it!

    Hope you've let Mr MWC out of the study!
    Save
    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"
    • muddywhitechicken
    • By muddywhitechicken 6th Aug 17, 9:57 PM
    • 3,801 Posts
    • 34,688 Thanks
    muddywhitechicken
    Hope you've let Mr MWC out of the study!
    Save
    Originally posted by gallygirl
    Only to use the pressure washer and cook my tea
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • Greying Pilgrim
    • By Greying Pilgrim 12th Aug 17, 7:32 PM
    • 3,929 Posts
    • 43,505 Thanks
    Greying Pilgrim
    Is it the party today muddy?

    I hope that SIL adores her choccy avocado cake - and thinks you the bees knees for making it

    Greying X
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • muddywhitechicken
    • By muddywhitechicken 13th Aug 17, 6:50 AM
    • 3,801 Posts
    • 34,688 Thanks
    muddywhitechicken
    Morning

    Yes, it was the big family get together yesterday

    The chocolate avocado cake was a huge success with everyone not just SIL who was very appreciative of our efforts (we also made mayonnaise so that she could eat the coleslaw) I did freak out a bit on Friday evening when I found out that my nephew now reacts to avocado (projectile vomiting) and banana (rash) but it only seems to be when he eats them directly not via her.

    I was hoping for a lie in this morning BUT The Girls kicked off at 05:15

    The new kitchen has been trashed so I need to reclaim that today and meal plan for the rest of the week (pulled pork and cake for breakfast, lunch and dinner probably - I over-catered again...)

    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • Greying Pilgrim
    • By Greying Pilgrim 13th Aug 17, 7:14 AM
    • 3,929 Posts
    • 43,505 Thanks
    Greying Pilgrim
    The chocolate avocado cake was a huge success with everyone not just SIL who was very appreciative of our efforts (we also made mayonnaise so that she could eat the coleslaw) I did freak out a bit on Friday evening when I found out that my nephew now reacts to avocado (projectile vomiting) and banana (rash) but it only seems to be when he eats them directly not via her.
    Originally posted by muddywhitechicken


    I had not heard of banana/avocado, allergy/intolerance - I've just looked it up - and I've learnt something. Thank you.

    Greying X
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Aug 17, 7:23 AM
    • 639 Posts
    • 2,512 Thanks
    wishingthemortgaheaway
    Yay to successful cake, boo to new foods making nephew poorly.

    Do they think he will grow out of the intolerances? Poor thing.
    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
    • greent
    • By greent 13th Aug 17, 10:07 AM
    • 6,505 Posts
    • 65,648 Thanks
    greent
    Fab news that the cake went down well

    Pulled pork and cake for all meals going forward sounds perfectly reasonable to me!
    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 £1259.72/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
    • apple muncher
    • By apple muncher 13th Aug 17, 4:15 PM
    • 6,633 Posts
    • 48,652 Thanks
    apple muncher
    I've packed my own plate and fork. Will be round soon to help you eat it up...
    NST DDD#1; NSD 4/15; Ex 2/12; craft 11/30 (267); remove /31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • gallygirl
    • By gallygirl 13th Aug 17, 9:58 PM
    • 16,459 Posts
    • 107,859 Thanks
    gallygirl

    Pulled pork and cake for all meals going forward sounds perfectly reasonable to me!
    x
    Originally posted by greent
    My thoughts exactly .

    Can you give the girls some nytol next weekend please .
    Save
    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"
    • muddywhitechicken
    • By muddywhitechicken 13th Aug 17, 10:04 PM
    • 3,801 Posts
    • 34,688 Thanks
    muddywhitechicken
    My thoughts exactly .
    Save
    Originally posted by gallygirl
    That's lucky... guess what you're having for dinner on Friday
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • muddywhitechicken
    • By muddywhitechicken 13th Aug 17, 10:18 PM
    • 3,801 Posts
    • 34,688 Thanks
    muddywhitechicken
    Yay to successful cake, boo to new foods making nephew poorly.

    Do they think he will grow out of the intolerances? Poor thing.
    Originally posted by wishingthemortgaheaway
    *fingers crossed*

    He had a lot of oral/IV antibiotics when he was a couple of months of old so hopefully, once his gut microbiome has had a chance to recover, he will grow out of at least some of them.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • misscousinitt
    • By misscousinitt 14th Aug 17, 8:07 PM
    • 3,544 Posts
    • 20,452 Thanks
    misscousinitt
    Hi MWC

    Just catching up...you've been busy! Was the chocolate avocado cake a vegan one? Seen a recipe and would like to try it out - glad it was a success.

    Was worn out reading your lists, to be fair mine are about the same, but I seem to be on go slow since I left work!

    Catch up soon.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • muddywhitechicken
    • By muddywhitechicken 14th Aug 17, 8:41 PM
    • 3,801 Posts
    • 34,688 Thanks
    muddywhitechicken
    Hi MCI

    Yes, it was vegan but it also needed to be gluten-free, soy-free and nut-free!

    Still eating party leftovers for lunch and dinner...
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
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