Getting a mortgage and then becoming mortgage-free!

Kittenkirst · 20 April 2017 at 6:46PM

Banking all sorted, gf's annual hospital appointment went well, we then had a lovely pub lunch together and then did the gait analysis. We did manage to snaffle a few freebies in town like ice cream shake samples, hotel chocolat samples and used the John Lewis coffee and cake voucher which we shared.

Now back home and played with the kittens for an hour to try and get them a bit tired out and they are now snoozing away dreaming of fighting each other (most probably!)

Two small tilly tidies to the mortgage made today, a bit of tidying and then planning for a walk in the Peak District tomorrow if the weather holds up! Will take a picnic and flasks of coffee to keep us going

chumpy45 · 20 April 2017 at 9:33PM

Just catching up. Great progress made :T Loving the photos and stories of the kitties - sound like great fun

debtfreeoneday · 21 April 2017 at 6:57AM

Glad hospital appointment went ok!

Kittenkirst · 21 April 2017 at 6:59AM

Morning Chumpy

your figures in your signature are very inspiring!! Hopefully not long to go for you!!

Been awake over an hour as the kittens are wanting to eat every cable and fighting likebillieo this morning!

Had an email that £17.66 is being paid by ziifit in the next few days so will swiftly OP that when it clears, and received £5 cashback from TSB for contactless payments made from our joint bills account. Not too bad really. £5 cashback credited last night so that got swept over as an OP and we're 3p shy of a £300 OP this month....I'm not letting the odd pence annoy me as still a fair few days of Tilly tidies to go this month

Went to HSBC to give my ID to fulfil the switching offer yesterday but annoyingly they hadn't printed what id they accepted (the docs were blank frustratingly) & they wouldn't accept first direct statement grrrr. Going back this morning so I can get the switch started and take advantage of the £150 switching bonus and open another regular saver (I have a 65% one with first direct just opened) for 5% to stash that £1700 in easy access savings into slowly. I wil double check with them if their funding rules include transfers from first direct (it says not from HSBC accounts so important I check!) If not I will leave the account and look to do a Santander account

Gf has fallen back asleep bless her, will get up shortly and put the bins out and then start getting ready for our nice walk we have planned today

Kittenkirst · 21 April 2017 at 7:00AM

Thanks DFOD, she takes it completely in her stride as been in hospitals a lot however I flapped a bit when we got there (it wasn't even my apppointment)

Kittenkirst · 21 April 2017 at 6:07PM

Lovely 6mile hike from Dovedale to Milldale today- sat nav took us to the wrong place so it took 2 hours instead of the 1 it should but it was a fun drive in some splendid countryside.

We took packlunches so only paid £3 for car park, 80p to use the toilets and £3.60 for two hot bovrils at Milldale

legs are abit shattered now but it was definitely worth it. Two vegetable lasagnes are slightly defrosting for a quick homemade supper!

Gf's friend from India is travelling here tomorrow to see her so we've registered him and I for a park run first thing and then will see what he fancies doing/seeing in Leicester. I'm quite looking forward to it

Kittenkirst · 23 April 2017 at 7:53AM

Morning LOvely people's!

So yesterday's visit from the friend from India went really well and he seemed to have a fab day. Him and I did the local park run (29:55mins) together and it was lovely weather for it too, we all then came back to he house, showered and went into town. We drove him through the main Indian area of town and he was really impressed, kept calling it 'mini India' and beaming so much

we then went to a local mandir (temple), then onto town. Hes a drinker and told us his intent was for us all to get drunk and have a giggle so we strategically took him to some places that did 241 cocktails (to lessen the expense). 5 pubs and multiple cocktails and shooters later we were all a bit glassy eyed and giggly.

We kept joking that the day had focussed on positivity for three areas- body with the park run, soul with the trip to the temple and mind with the boozing and letting our hair down.

He needed to get to London for the evening so was going to buy a train ticket but a single was £60!!!!!! I quickly checked national express and it was £9.10, what a crazy difference in price! We got him safely onto his bus and have arranged to see him on Wednesday in Milton Keynes (he's staying in a town nearby!).

Not a very MSE day other than the pre drink at home before we left, 241 cocktails and the one students bar that we took him to that does drinks for £3! We then needed to get home, gf assumed we'd get a cab until I suggested we get a bus as it was only 630pm so still light- £5.70 and we were both safely home and saved a good £15-20 on taxi fares!

It was a little more than we had budgeted for, but I'm not going to worry about it, was lovely to go out and have a few drinks with the gf and friend and not stress about things

This morning everyone was awake since 6 as the kitties have been play fighting on the bed so I was about to get up and make a cafetière of coffee however the kittens and gf have all just dropped back off to sleep- very cute I must say!! :heartpuls

Need to double check my figures as another small OP made today of 45p, it's all definitely helping! I've been reading a few threads and would like to be able to chuck a bit more at the mortgage than we are doing, we could cut back in several areas but I'm not sure about the benefit yet....will have a ponder and some crunching of numbers etc.

Oh, edited to add, tenants moved into gf's flat finally yesterday so the mortgage, service charge and council tax won't be coming out of our budgets from now- phew!!!!

Kittenkirst · 23 April 2017 at 9:03PM

Had a NSD today finally!

Went to pick up the car from where we left it yesterday lunch, then home and started to review old photos on my old PC- deleted 2000 pics and there's loads more to go through. I'll then pull them onto a memory dock thingy and sell the PC and get it gone.

Lunch was bacon and mozzarella sarnies using stuffs from the fridge, dinner was spicy polenta coated turkey cubes (homemade turkey nuggets!) with a leek gratin but using a low fat white sauce (cornflour instead of butter & flour!) and then used two stale hot cross buns to make a mini bread & butter pud

We bought a water spray yesterday for using on the kittens as they are wreaking havoc on our lovely dining chairs! They've left holes in them already so we're using the spray to deter them from jumping up on the chairs and using them as pincushions, whilst we are out we keep the kitchen door shut for now until we know they don't puncture them willingly!

Transferred another £165 to savings today to prevent more spending! Feeling happy that the figures are going up now that the credit card has gone!

debtfreeoneday · 24 April 2017 at 7:41AM

Great increases on the savings. I found it surprising how much difference it made flinging little bits here and there at the mortgage

themadvix · 24 April 2017 at 2:22PM

Sounds like you had a good weekend KK and great news about the flat! That must be a relief!

Getting a mortgage and then becoming mortgage-free!

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