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  • FIRST POST
    • greent
    • By greent 26th Mar 10, 2:46 PM
    • 5,196Posts
    • 52,345Thanks
    greent
    greent's mfw journey
    • #1
    • 26th Mar 10, 2:46 PM
    greent's mfw journey 26th Mar 10 at 2:46 PM
    Afternoon all!

    I have been inspired after reading lots of the diaries on here to join in.

    Background: OH and I are both 40. Have 4 children (12, almost 10, 4 and 10 months) OH was made redundant twice last year and recently started working as a contractor on a daily rate (4 month contract, may be extended a little) - so we now have a limited co of which we are both directors. I no longer work. We have a BTL property on which we have an interest only mtge and will clear that by selling the property (only bought for capital gain, not income, purposes) BTL property has long term tenant in. Rent covers mtge and buildings insce and repairs/ renewals with a small excess - but not much.However, it's on a fixed rate and takes care of itself.

    MFW relates to our home. Bought in Oct 2005 for 277k, 130k mtge over just under 16 years (kept previous end date) Since then we have added a further 30k to the mtge for a loft conversion (needed due to the no of children!!) that cost approx 35k. We have also spent 20k+ on a bespoke fitted kitchen and building work - but financed that from savings/ income. And decorated and new carpets (previous owners ran out of money and had to sell, so place was full of stuff to do, even though it's still only 11 years old!) Some overpayments have been made, as can be seen from the overall balance.


    OUr mtge is with C&G. I have a statement for balances as at 31/12/09:
    (Balance as at 31/01/2009 was £124 616, so we reduced the balance by just under 20k last year)
    Sub Account 01
    Term remaining 12 years and 7 months.
    Fixed rate 4.79% - until 30/09/10
    Balance £79512.27

    Sub Account 02
    Term remaining 13 years 1 month
    Fixed rate 3.99% until 30/04/11
    Balance £25423.78

    Sub Account 03
    Term remaining 12 years and 7 months
    Fixed rate 4.79% until 30/09/10
    Balance £33.32


    TOTAL BALANCE: £104969.37

    We can repay by 10% a year without incurring penalty fees. We pay £1074.94/ month - this includes an element of overpayment, but I'm not sure how much (we didn't reduce our monthly payments when we paid off £12500 after DH was made redundant the first time)

    My first step is going to be repaying Sub Account 03 We are with C&G, so I will phone them up about this. I can also afford to repay £4k to £5k from sub account 01, I think - but will leave that until after a meeting with our accountant (we are not sure yet exactly how much OH will be paid from the linited co)


    I'm kind of looking for advice/ ideas, I guess... Would posting an income/ expenditure budget be an idea?

    greent


    ETA: We don't have any other debts. CCs are used (Tesco ones for Clubcard points for rewards) but are paid off in full.
    Last edited by greent; 25-05-2010 at 11:41 AM.
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
Page 68
    • chumpy45
    • By chumpy45 24th Sep 16, 10:06 AM
    • 222 Posts
    • 858 Thanks
    chumpy45
    Hi Greent, I also snaffled up some bargainous christmas chocs and hope they will stay put until christmas, but can't guarantee it. Lovely to see DS is enjoying Uni. It's so hard when they leave isn't it? Off to walk the pooch now in this glorious sunshine
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.52 MFW Target date Sept 2017;
    • debtfreeoneday
    • By debtfreeoneday 25th Sep 16, 8:46 AM
    • 2,386 Posts
    • 7,893 Thanks
    debtfreeoneday
    I'm fatal with choc - they never survive!
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • greent
    • By greent 25th Sep 16, 9:38 AM
    • 5,196 Posts
    • 52,345 Thanks
    greent
    I think DD's earliest night to bed during freshers' week has been 2.30am! She seems to be enjoying herself and said she believes she's made the right choice (of uni) - which is lovely I have seen her timetable - she only gets 11 contact hours per week but is expected to out in 30 self study hours.

    DS1 has been with his gf six months now - that has flown by! He is - so far - finding VIth form easy. I have warned him that it will pick up in intensity after Oct half term!

    Pay day is not until the end of the week - boy do we need it! It has been an expensive month with finishing off the rental property, uni bits, car mot & service, 2 lots of car tyres, some school uniform and shoes not purchased until this month - and a wee bit of Xmas present shopping thrown in Our c/acs are squeaky - in fact I transferred over £100 to make sure we don't go o/d from any random thing I've forgotten. Food shopping yesterday at A1di and Tesc0 came to just under £40, which was great. We should - in theory - be ok for everything bar milk (and maybe more ham towards the end of the week) I need to bake bread and rolls today. Fruity flapjacks and banana/ coconut/ cherry muffins (very yummy!) made yesterday for lunchboxes. Will possibly make Jack Monroe's bean/ carrot/ cumin burgers for some lunches for me (no way could I persuade OH to eat them!!) and some tomato/ courgette soup. If I add bacon & chilli to the latter I might even persuade OH to eat it!

    Plans this week: OH has dental appt tomorrow. I have a work meeting on Fri morning (yeay to the money being earned, boo to the fact I am missing going to a Macmillan Coffee morning being held by my friend) OH also has a schools appeals panel to go to on Tues (as a member of the panel) and on Thurs eve we have a friend here for each of DS2 and DS3. I will be doing a volunteering slot on possibly Thurs morning and that's all of our booked in things. Rest of time will hopefully be spent getting some more little jobs done in house and garden and maybe fitting in an afternoon tea

    Today= above baking, washing, uniform ironing, homework with smaller ones and general housework. Maybe a stroll along the canal if things go well!

    Happy Sunday! x
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • greent
    • By greent 25th Sep 16, 9:39 AM
    • 5,196 Posts
    • 52,345 Thanks
    greent
    I'm fatal with choc - they never survive!
    Originally posted by debtfreeoneday
    I am awful with cakes/ treats etc bought for 'general' consumption but Xmas specific items are fine, for some reason - I totally ignore them
    x
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • apple muncher
    • By apple muncher 25th Sep 16, 10:07 AM
    • 5,298 Posts
    • 38,592 Thanks
    apple muncher
    I can never get those burgers to stick together and they always end up as mush! Dh still eats them - smothered in ketchup!
    NST Dec #15; NSD 1; 2016 Pay off: £3396/£3980 (85.3%)
    2016 sell 431.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • greent
    • By greent 25th Sep 16, 12:53 PM
    • 5,196 Posts
    • 52,345 Thanks
    greent
    I can never get those burgers to stick together and they always end up as mush! Dh still eats them - smothered in ketchup!
    Originally posted by apple muncher
    I haven't made them in a while but always chill them for ages - they still tend to break when I flip them though! I smother mine in either chopped fresh tomatoes or tomato chutney/ relish if we've got a jar hanging around They need something to 'lift' them imo - ketchup clearly does the trick for your DH!
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • greent
    • By greent 25th Sep 16, 8:29 PM
    • 5,196 Posts
    • 52,345 Thanks
    greent
    Didn't make Jack's burgers - made a spinach/ chickpea/ mushroom curry from bits hanging around in the fridge (sorry mushrooms and peppers - and 1/3 jar of spicey mango chutney which no-one really liked) and storecupboard stuff (spices, onions, chickpeas, frozen spinach) As well as using up the mango chutney (always good to get rid of unwanted jars! ) I used a sachet of salsa from a (YS to a bargain 50p) nachos kit - the nachos had been used a long time ago (I would never buy a kit unless cheaper to do so than plain nachos) but I don't use the salsa. Meant that the curry now has kidney beans in and a slight chilli flavour, but it was very nice when I tasted it. Re-named it cur-illi

    Used up the last of the HG pears and some of my mum's bramleys in a crumble for dessert - yum. Discovered when I went to make crumble topping that my food processor was not in cupboard - we think we got rid of it when the bowl broke and sourcing a replacement was found to be more expensive than getting a whole new fp. However, I didn't remove the blender attachment nor all of the 'special' blades and other accessories from the cupboard - these have now been added to my 'to fleabay' pile Made the crumble topping using the whisk attachment in the K-Aid instead - anything to avoid rubbing by hand!!!

    OH has been sorting the office - yet again - some decent progress can be seen I seemed to spend my day baking (bread, rolls), cooking (crumble, steak pie, pizza, cur-illi) and cleaning. The house is looking better than a week ago, though

    x
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • Karmacat
    • By Karmacat 29th Sep 16, 9:58 AM
    • 26,544 Posts
    • 140,136 Thanks
    Karmacat
    ... cleared some ash from chiminea into empty compost bin. Emptied spent compost from 2 potato sacks into compost bin. Done some online banking, moved some money around, paid the CCs - burned some old bills on chiminea.
    Originally posted by greent
    I need to be doing that, for twigs and branches, and for the shredding from next month. Can't quite hack doing it till I'm more up to date, the garden's very overgrown after not being touched for 3 weeks - I just caught 3 brambles that were putting down roots

    I'm fatal with choc - they never survive!
    Originally posted by debtfreeoneday
    That's me too - I don't have them in the house. Ate loads at my mum's



    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • greent
    • By greent 8th Oct 16, 11:32 PM
    • 5,196 Posts
    • 52,345 Thanks
    greent
    Whoops - didn't realise I'd not been here for 2 weeks!

    Have been tidying garden - patios both swept, lawns mowed, pots cleaned and planted up with Winter bedding, some bushes cut back, one of the tables sanded down and re-oiled, weeds treated and burned, compost moved... Looks better out there. Still have another table and 10 chairs to sand and oil - and some fencing to paint though!!!

    OH has done some little jobs in the house and I think its looking better inside as well And the garage has had a bit of a sort out. Have fleabayed quite a bit in the last fortnight, dropped off boxes of stuff to the CS and our rubbish bin and recycling bins have been full to the top. Also have a load of stuff going to the NNS for selling next week - am hoping that very little of it comes home!!

    Feeling ok about life at the mo. Need to sort money things next.

    Oooh - great news from DS2 too - after great exam results from DD and DS1 DS2 has now passed the grammar school entrance test. Around 2500 children took the test in the county and it would appear that DS2 not only passed, but was in the top 150 - clever little chap! (I know not everyone is a fan of selective education but we have 7 grammars here in Gloucester and both myself and OH (and our mothers) went to grammars and we both rate the system. Eldest 2 also attend(ed) grammars)

    Still no contract for OH - hence why little jobs around the house are being done

    Tenants have been in BTL almost a month now - next rent payment is due next week

    All in all, a good week here. Next week OH is redoing DD's bathroom ceiling - it had some flaking paint when we moved here and the problem seems to come back every so often, so he's going to strip it back, treat it and repaint. I am going to give her bathroom a really good clean after he is done (lots of dust!!) and also wax her bedroom door - for some unknown reason when I waxed the woodwork here her door wasn't done. We also have 2 secondary school visits to do, OH has a Governors meeting, it's his bday, I have voluntary stuff to do and some gardening bits.

    Talking of DD, she has been suffering with freshers flu this week and has been sleeping lots. She's coming home next weekend for OH's bday I am looking forward to it!!!

    xx
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • Karmacat
    • By Karmacat 9th Oct 16, 8:39 AM
    • 26,544 Posts
    • 140,136 Thanks
    Karmacat
    Sounds like its going brilliantly, greent - and you've kondoed *such* a lot! Good for you the house will be so much fresher and clearer.
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • newgirly
    • By newgirly 9th Oct 16, 8:44 AM
    • 5,220 Posts
    • 35,928 Thanks
    newgirly
    Well done ds2
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96.

    Weight loss 2016 - 18.25 lb lost 40lb target
    • apple muncher
    • By apple muncher 9th Oct 16, 8:48 AM
    • 5,298 Posts
    • 38,592 Thanks
    apple muncher
    Well done ds2 - natural brilliance!
    NST Dec #15; NSD 1; 2016 Pay off: £3396/£3980 (85.3%)
    2016 sell 431.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • greent
    • By greent 21st Oct 16, 11:11 PM
    • 5,196 Posts
    • 52,345 Thanks
    greent
    Wow! Such a long time since I posted in here!

    Ummm..... what has happened..... not a lot, I guess! I have fleabayed a lot and sold a heap of items at NNS, so money has come in and items have left (money paid to OH's 0% CC which still has small balance of holiday on - have pledged to clear this by end of year.....) Also dropped several boxes of unwanted items to CS. Parts of the house are feeling/ looking better but still more to do. Finally managed to get Co Accts and our personal tax returns done. Large Corp Tax bill paid today but accountant says we should both be due a small personal tax refund - yeay!!

    DD came back for the weekend last weekend - was lovely to see her! SHe is having a blast at uni and took a stash of food back with her when she left, including HM bread, HM cakes and a stash of roast potatoes for the freezer!!

    Washing machine was out of action for a week! - fixed today. My mum did some of our washing but I still had a backlog - have done 4 loads today and will have another 2 tomorrow, I think!

    Currently watching SU2C - some bits are so, so sad On a personal note, last week we found out that OH's aunt has cancer and yesterday she moved to a hospice And the family feud from my uncle's death back in the summer still rumbles on and has got really bad

    On a better note, tenants seem to be happy in the rental. There appears to be an issue with 2 sockets so I need to get a spark out and will also get them to do the electrical inspection (It's due at the beginning of next year anyway and Id rather it all be checked out now) Was talking to accountant and she recommends paying some of the mortgage off earlier than I planned. As it's been empty for a year and we also did a lot of work on it prior to this we will make a loss on it last year and this one too. There's no way I can match Watty's aim of Easter 2017, but I'd like the majority of it cleared by end of 2020 I think - haven't done any figure work on it yet though! All depends on how much we end up helping DD and DS1 out with uni costs over the next few years!

    Back again in a couple of days or so when I can think of something else to write!

    xx
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • Watty1
    • By Watty1 22nd Oct 16, 9:38 AM
    • 2,494 Posts
    • 17,600 Thanks
    Watty1
    Watty isn't sure she can make her Easter Independence Day but she is going to go for it A steady 2020 sounds good
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • greent
    • By greent 23rd Oct 16, 12:09 PM
    • 5,196 Posts
    • 52,345 Thanks
    greent
    Have now added BTL to my sig. Have some other stuff to pay for along the way (such as OH's car loan....) but at least this way I can hopefully motivate myself to attack it a bit. Only expenses for the foreseeable future for BTL are monthly mortgage interest, monthly buildings insurance (renewal due in Dec so will look to get this reduced as it currently costs more than our combined buildings & contents!), ground rent (due end of March) and the electrical inspection (and some remedial work on a duff socket) Oh - and the gutters will need clearing at some point but is split between the 4 flats so will only be around £30. That means that I should be able to make a payment of min c 3k from rental income next year and leave myself a couple of K as BTL emergency fund. I hereby also pledge to make min payment of £1k before Xmas (small fry, I know - but every little helps. Actually, on that basis I pledge to clear the one sub acct by 12/2017 - as it's only £5k that should be relatively easily achievable....! )

    Other news - OH had another interview last Weds (he's getting a few, but not getting any further) On Thurs they said it was between him and one other. As he hasn't heard anything since I suspect the other candidate was the successful one I am quite happy if he only does 3-6 months work a year, as we can happily survive on that - but others seem to wonder why at 47 he wants to do that (uh - because we're MF is a big part of it!)

    Had all of our gutters cleared out yesterday - 2 long runs across front and back of house, the bay around dining room doors and windows, a small run across part of the back of the kitchen, a double garage width across front of house (family room and office) and both sides of the garage. He also threw in cleaning all the windows (inc garage ones) and doors. Total cost £150, which I though was pretty reasonable and well worth it to clear out the plants we could see growing in the top gutters!!! Not budgeted for, and not a brilliant time to decide to get it done, being a week before pay day - but such is life!

    I really should do some housework now, I suppose.....


    xx
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • Bluefire
    • By Bluefire 23rd Oct 16, 12:54 PM
    • 566 Posts
    • 2,835 Thanks
    Bluefire
    Only expenses for the foreseeable future for BTL are monthly mortgage interest, monthly buildings insurance (renewal due in Dec so will look to get this reduced as it currently costs more than our combined buildings & contents!), ground rent (due end of March) and the electrical inspection (and some remedial work on a duff socket)
    Originally posted by greent
    We were pleasantly surprised with Direct Line landlord insurance this year - £116 for the year with £90 cashback! Cashback is currently at the £100 mark so could be worth looking into?
    Mortgage: £28,896.49 £1,791.47
    MF Date:
    November 2041 December 2016
    MFW 2015 #110: £13,867/£13,000 (100%)
    Offset Savings 2015: £5,000/£5,000 (100%)
    MFW 2016 #110: £1498/£2308 (65%)
    • greent
    • By greent 23rd Oct 16, 1:07 PM
    • 5,196 Posts
    • 52,345 Thanks
    greent
    We were pleasantly surprised with Direct Line landlord insurance this year - £116 for the year with £90 cashback! Cashback is currently at the £100 mark so could be worth looking into?
    Originally posted by Bluefire
    Oooh - thanks for that, Bluefire - I shall definitely look into that!
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • tattycath
    • By tattycath 24th Oct 16, 1:19 AM
    • 6,643 Posts
    • 35,130 Thanks
    tattycath
    Well done for getting some maintenance jobs done. We have quite a few jobs that need doing. I just need to find the right reliable tradesmen-at a reasonable price, for the jobs that need doing.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • greent
    • By greent 24th Oct 16, 8:10 AM
    • 5,196 Posts
    • 52,345 Thanks
    greent
    Well done for getting some maintenance jobs done. We have quite a few jobs that need doing. I just need to find the right reliable tradesmen-at a reasonable price, for the jobs that need doing.
    Originally posted by tattycath
    That's always the hard part, isn't it. I like word-of-mouth recommendations if I can so sometimes put a post on my facebook page asking for friends' recommendations of an electrician/ plumber/ whatever

    Well OH was meant to go and see aunt with cousin yesterday morning (she's aunt to both of them, as opposed to cousin's mum, iyswim) but she wasn't very well. Cousin's dad (her brother) ended up coming back from holiday early and people all went to see her last night - she is very close to the end (and may already have died overnight for all we know) at best it will only be a few days. Very sad - only just into her 60s.

    Half term holiday week here. Have a couple of things planned with small ones and may decorate DS1's bedroom - dependent upon things with OH's aunt. House is very muddly and needs a good tidy. I'm also seeing my sister for a catch up here on Weds morning I definitely need to tidy before then - she's waaaaaay neater than me!!
    x
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • greent
    • By greent 6th Nov 16, 8:53 AM
    • 5,196 Posts
    • 52,345 Thanks
    greent
    Another 2 week gap in my postings - really must try harder!!

    Well we had domestic drama here twice on Thursday - when I opened the lounge curtains on Thurs morning there was water running down the front windows - turned out that one of the fittings in the wall for DS1's radiator was loose - cue DS1 being woken up by OH whacking lumps out of his wall to get to the pipe work - which released the fitting even more and water was gushing out both in DS1's room and literally pouring out downstairs - soggy curtains, a damp tv and a lot of very wet towels! Sorted relatively quickly.

    When OH was out at swimming with DS2 at around 6.20 I could hear a tapping/ dripping sound when I was in the dining room - walked through to the living room - it got louder and then quieter so I started looking for the source - I happened to be standing in between the 2 rooms - the doorway has a wooden bottom piece dividing the 2 rooms - water was dripping from the architrave onto this - hence the noise I could hear. I turned the heating off and mopped up and left a towel there as OH was due home in less than 10 minutes. We couldn't find the source (nothing to do with DS1's room - that's at the front and this was at the back) but the wall was sodden enough to just poke your hand through and the ceilings were getting damp . Flipping insurance co were useless - took around 90 minutes to arrange an emergency plumber - if we hadn't have slowed it right down we'd have been floating away by then!!! OH then had the bright idea of checking one pipe (process of working out which rad was closest above the leak) - found a seal in a joint had perished/ split and that was the issue. Cancelled emergency plumber (saving policy excess of £350) Went to B&Q in the morning (they were closed by this point on THurs night) - £6.50 for joint parts Meant we had no CH/ hot water Thurs night (was thankfully milder and we have 3 plug in heaters in garage from camping which we used throughout house along with lounge fire) and hole in the walls of 3 rooms but soooooo much cheaper!! We are leaving the ceilings to dry out for a few weeks before stainblocking and repainting. One hole (double fist sized) already has new plasterboard in, has been lightly skimmed and just needs rubbing down (and possibly another small skim over) and then that can be repainted. Other holes will be sorted over the next week. We're looking at this as an opportunity to do some touching up on paintwork before Xmas!

    In other news we made a dash to see DD the previous Fri night - her app1e brand phone had stopped working (after 14 months) - the contract is through our business account and she is not named on it (was 17 at the time taken out) network providers absolutely useless both on phone and online and said the best they could suggest was taking it to app1e shop or one of their shops - the first would just try and sell her a new one, the 2nd we've had poor service from in store as business customers on several occasions, staff having little knowledge of the business sector and more concerned with retail sales. We therefore jumped in the car and headed to Cardiff to sort it - thankfully we had a fantastic Guru in the shop who got it all sorted (went above and beyond her job to do so) and DD only ended up losing a few pics once she's restored it all. We then bought her a takeaway (it was late and we were very hungry) before dropping her back at halls (with the instructions to get some iron tablets and more rest!) and took a quick trip to ikea to get a mattress for DS1's new bed (it having been oos in Bristol at the start of the week) - made it through checkout as they were closing - phew! and got home at 10.30pm (having left at 4pm - DS1 was a star in looking after and sorting out the smaller 2) Then on Saturday morning we saw a post on facebook tagging DD as having a bf - something she'd neglected to tell us on the FRi night!! DS1 immediately sent him a f/r (accepted) and stalked out his profile! It's very sweet - although he has the same name as DS2 We did suspect that she was either interested in this one or another, as they got mentioned a LOT!

    Oooh - and we have new sofas on order! We were checking out bedding for DS1 and found some sofas we liked - changed our mind on the colour last minute (from deep royal purple to a paler almost lilac) Order says delivery date 24th Dec - but we're not convinced! Whilst it would be amazing to have them for Xmas (our current ones are only fit for the tip - furniture recycling won't have them) we are not convinced it will happen! We have stuck them on IF credit for 6 months - purely because we had a small discount if we did! Also got TCB (of course!)

    I'm in a position to pay my first £1k off the BTL this week, still leaving me with a decent EF for that property of around £1500 - which means I'll have achieved my pledge for the BTL this year. I have pledged to clear one sub acct by 12/2017 - which will mean £4k payments to it next year - sounds easy, but there's a lot of stuff I still want to do here and ideally I want to pay it just from rental income excess - which means I need no additional costs on the BTL next year (although I still plan on maintaining £1500 EF for it, so should be ok in theory)

    I seem very unprepared for Xmas this year - can't seem to get motivated

    Beautiful blue sky outside - cold, though - around 3degrees. I want to vacuum up the leaves again today - most have fallen now other than one (always the last) tree and a few stragglers - will make the garden look much tidier. Will wait until the frost has gone from the lawns, though

    x
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
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