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  • FIRST POST
    • muddywhitechicken
    • By muddywhitechicken 12th Oct 12, 10:29 PM
    • 3,790Posts
    • 34,594Thanks
    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 2
    • edinburgher
    • By edinburgher 24th Oct 12, 7:47 PM
    • 10,730 Posts
    • 56,073 Thanks
    edinburgher
    I hate cooking just for myself so I took inspiration from this forum and had eggy bread + maple syrup for my dinner
    Sounds delicious
    • muddywhitechicken
    • By muddywhitechicken 24th Oct 12, 8:09 PM
    • 3,790 Posts
    • 34,594 Thanks
    muddywhitechicken
    Sounds delicious
    Originally posted by edinburgher
    It was edinburger although a fishfinger sandwich is my singleton meal of choice (but there weren't any fishfingers in the freezer...)
    • Hurdler
    • By Hurdler 24th Oct 12, 9:33 PM
    • 1,273 Posts
    • 5,174 Thanks
    Hurdler
    Fish finger sandwich ... Yum. (Will have that on Friday!!!)

    Mortgage @ March 2008: £194,965 ; Lightbulb Moment: July 2011: £164,926; End Date: March 2033

    MORTGAGE FREE: September 2015
    • BookWorm
    • By BookWorm 24th Oct 12, 9:37 PM
    • 2,288 Posts
    • 13,929 Thanks
    BookWorm
    Evening

    Mmmm fishfinger butty - lovely! Makes my mouth water even though I'd not long eaten lol

    Hope your're having a good week hun. Nice on on the toiletry haul btw

    BW
    • muddywhitechicken
    • By muddywhitechicken 24th Oct 12, 10:31 PM
    • 3,790 Posts
    • 34,594 Thanks
    muddywhitechicken
    I don't need any encouragement to buy expensive skincare products BW... I'm addicted to buying lotions and potions (I spent another £62.49 in Aveda whilst in NYC ) but I'm often told that I have good skin and that I don't look my age so, whilst I can afford it (chickens are cheaper than children!), I'll continue to buy them

    Of to bed now (after washing my face and putting lots of gunk on of course!)

    Nighty night x
    • misscousinitt
    • By misscousinitt 25th Oct 12, 11:13 AM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    It was edinburger although a fishfinger sandwich is my singleton meal of choice (but there weren't any fishfingers in the freezer...)
    Originally posted by muddywhitechicken
    OOOhhh I love fishfinger sandwiches...I'm with you there.

    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 25th Oct 12, 7:10 PM
    • 3,790 Posts
    • 34,594 Thanks
    muddywhitechicken
    Mr MWC is still away and I still don't have any fishfingers so for dinner tonight I had another favourite... a cheese & onion crisp sandwich!

    3 eggs again today but I haven't had a blue one all week I think Miss F may be hiding them from me so I'll have to in the garden
    • muddywhitechicken
    • By muddywhitechicken 25th Oct 12, 9:00 PM
    • 3,790 Posts
    • 34,594 Thanks
    muddywhitechicken
    I couldn't wait until payday to make my next OP so after a review of all my accounts (I've got 8 different savings accounts - it does Mr MWC's head in ) I've just transferred £500 from my savings to the further advance. Total OP for October = £1,075
    • muddywhitechicken
    • By muddywhitechicken 26th Oct 12, 6:04 PM
    • 3,790 Posts
    • 34,594 Thanks
    muddywhitechicken
    My weekend started at 1 o'clock
    More groceries delivered - £10 off, a free loaf of bread and a £5 goodwill voucher to use next time because the BB date on a box of cereal bars in today's delivery was 3 months ago
    I have dug out the boggy mud/woodchip/poo from the bit of the chicken run that isn't covered and spread it round the rest of the garden this afternoon. I won't need to buy any compost but it's a bit stinky... and we had new neighbours move in this afternoon!
    • muddywhitechicken
    • By muddywhitechicken 26th Oct 12, 10:19 PM
    • 3,790 Posts
    • 34,594 Thanks
    muddywhitechicken
    The best news of the day...

    Mr MWC is home and he cooked dinner

    Curried pasta (orrecchiette with cauliflower, broad beans, aubergine pesto, balti paste and yogurt)

    Rather annoyingly he has cancelled our joint RAC cover because he got free cover with his new car so I've just had to spend £74 on cover for myself. I will get £35.35 back from TCB but that still means I'm spending £38.65 more than I would normally
    • BookWorm
    • By BookWorm 26th Oct 12, 10:28 PM
    • 2,288 Posts
    • 13,929 Thanks
    BookWorm
    Evening MWC

    Tea sounds yummy...well done to Mr MWC

    BW
    • muddywhitechicken
    • By muddywhitechicken 27th Oct 12, 10:34 PM
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    • 34,594 Thanks
    muddywhitechicken
    Not much happening here

    Went to the hairdressers - a 70 mile round trip - but popped in and had lunch with my dad beforehand

    Had to give him some financial advice - he has 4 savings accounts totalling £10,000+ (including £5,000 in an ISA) earning between 0.1-0.3% interest before tax

    Sausage, barley & kale stew for dinner (again)

    Only 2 eggs today - bunch of !!!!!!!!!!s
    • muddywhitechicken
    • By muddywhitechicken 27th Oct 12, 10:37 PM
    • 3,790 Posts
    • 34,594 Thanks
    muddywhitechicken
    Hmmm MSE doesn't like freel0aders either
    • muddywhitechicken
    • By muddywhitechicken 28th Oct 12, 2:17 PM
    • 3,790 Posts
    • 34,594 Thanks
    muddywhitechicken
    Have had a very lazy morning (apart from 4 loads of washing) and now annoyed with myself that I haven't done half the things I intended to

    HM scotch broth and rolls for lunch

    This afternoon/evening we are going to Wembley for the NFL game. Mr MWC paid for the tickets ages ago so I only need to pay the rail fares. Leaving as late as possible in order to avoid any unnecessary spending! We'll need to buy drinks but hoping to be able to smuggle in some snacks
    • muddywhitechicken
    • By muddywhitechicken 28th Oct 12, 10:32 PM
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    • 34,594 Thanks
    muddywhitechicken
    Arrived at Wembley just in time for a few words from Boris... I love Boris, he's hilarious

    Spent £36 on rail fare, £5-something on refreshments

    4 eggs today - best I can hope for as a third chicken has decided to moult
    • muddywhitechicken
    • By muddywhitechicken 29th Oct 12, 9:28 PM
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    • 34,594 Thanks
    muddywhitechicken
    Absolutely no MSE activity going on here... 8 days after spending ~£50 at Sainsburys and 3 days after spending ~£70 at Waitrose, I've spent another £47 in Morrisons... I'm trying to use money-off coupons and spending a fortune... I really must try harder

    Left over scotch broth for dinner and The Girls laid 3 eggs
    • muddywhitechicken
    • By muddywhitechicken 30th Oct 12, 8:12 PM
    • 3,790 Posts
    • 34,594 Thanks
    muddywhitechicken
    I got all excited because I thought I had a NSD today... and then I remembered I spent £70.25 online earlier I am soooo rubbish at this (but I did get free P&P and a free gift )

    Today I:

    -Went for walk at lunchtime - must try and do this more often or I won't see daylight until spring
    -Didn't buy anything from the vending machine
    -Sold 1 box of eggs
    -Puy lentil, spinach and bacon soup for dinner
    - 2 eggs today

    Woohoo pay day tomorrow - it's been a long month
    • chirpchirp
    • By chirpchirp 31st Oct 12, 4:31 PM
    • 1,937 Posts
    • 3,822 Thanks
    chirpchirp
    I agree, definitely a long month. That's the problem of pay day falling on a weekend, you get pay a few days early and then the next month seems so long!

    Are you keeping a spreadsheet of all your grocery spends? They add up so quickly. I seem to get bread and milk which is near £3 at least 3x a week. Since focusing on the grocery challenge idea, at least I spend £3 rather than £19.
    • muddywhitechicken
    • By muddywhitechicken 31st Oct 12, 7:30 PM
    • 3,790 Posts
    • 34,594 Thanks
    muddywhitechicken
    Hurrah I did it - today was a NSD
    I didn't buy anything from a charity cake stall and The Girls have no green leafy treats to eat tomorrow but nevermind both get enough from me normally.

    Today I:

    - went for a 40 minute walk at lunchtime
    - cursed incompetent colleagues and suppliers... a lot!
    - made spiced carrot & butterbean soup with frizzled shallots for dinner

    Only 2 eggs again today but they were beautiful 1 pale green and 1 white

    Hi chirpchirp - I don't have any spreadsheets *looks around nervously, fully expecting to be lynched by all other MFWs* but agree that it would be a good idea to record all my grocery spends. A couple of months ago I was very good at going to the supermarket with a list and only buying items on the list but then, like you, saw things on special offer that I didn't need but use and then from there on it was a downward spiral...
    I currently have vouchers for £10 off £75 and £20 off £75 from Waitrose online so I think I will use them to stock the storecupborad for a couple of months and then I will go back to shopping in person.
    • icklehelen
    • By icklehelen 31st Oct 12, 8:55 PM
    • 264 Posts
    • 1,136 Thanks
    icklehelen
    Hurrah I did it - today was a NSD
    Originally posted by muddywhitechicken
    Well done and here's a drink (or two) on me!!

    ickle
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 - 1775.50/1200
    OP Target 2017 - 5529.24/5500
    MFiT-T4 #03 MFW2017 #6
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