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  • FIRST POST
    • greent
    • By greent 26th Mar 10, 2:46 PM
    • 6,506Posts
    • 65,665Thanks
    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.
    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
Page 77
    • smallholdingsister
    • By smallholdingsister 28th May 17, 7:26 PM
    • 3,557 Posts
    • 27,742 Thanks
    smallholdingsister
    Don't put the dishwasher next to a parallel wall like we did!
    • chumpy45
    • By chumpy45 29th May 17, 7:44 AM
    • 315 Posts
    • 1,366 Thanks
    chumpy45
    Fab news about's Mr GT's job extension, really pleased for you. My DH has always worked away either in the UK or overseas, and it's not easy it is. Lots of juggling required! New kitchen sounds exciting, we are currently just thinking of swapping doors although that is quickly becoming far more involved than I thought! Sorry to hear you were both unwell, hope you have recovered now. Good luck with the rest of exam season.
    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 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • greent
    • By greent 31st May 17, 7:53 PM
    • 6,506 Posts
    • 65,665 Thanks
    greent
    New kitchen layout will be similar to existing (in terms of sink/ dishwasher/ wm and oven) - but we do have a drain hole in the floor we need to deal with (dishwasher is balanced on a piece of granite over it!) - for some reason there is no cover and quite a large hole.......

    So - it's the last day of the month. Have just sent off OH's timesheet and invoice for May We've been paid and I've transferred the money from both invigilating jobs to the kitchen fund I also sold our tent yesterday, so have transferred that amount to the KF too (massive 8m x 5m tent - too big for us now, really) I've got a wad of cash in my purse now from the tent sale, so will have to remember to pay for things in cash to use it up - have a hair and eyebrows apt tomorrow, so that will use some and also need to pay for DS2's end of Y6 event and tshirt, so that will use some more - and then I suspect the rest will be used on food shopping (I don't like carrying much cash around - I'm not used to it! ) Credit card bills have been paid (small ones this month - I've been trying to use debit card more)

    Company accounts for last year were signed off yesterday - as OH didn't have a contract for basically all of it we are due a corporation tax rebate - yeay! Personal tax paperwork has gone to accountant to complete SAs too - from an initial quick calculation of mine I *think* we'll get a small personal tax rebate each as well (which will go to KF! )

    Life is trundling on - June is busy once school restarts - I am working every day bar 1 and every weekend involves a uni visit with DS1 (except the one which involves a uni visit to collect DD!) - and there are 2 midweek ones. June also means a school residential trip for DS2 and some morning visits to his new school and a lot of line-learning for the end of year school play (Shakespeare - can't remember which one!) DS1 has 1 more AS exam left - but then a week of end of year 12 exams at the end of the month! I suspect that we will all be rather tired come July!

    We've just come back from Sains who are being great - they're running a swap venture for the LEg0 trading cards they've been giving away - well, I say swap - we gave them our few swaps and managed to complete two whole sets for nothing - fab customer service! We hadn't bought any albums, though - and they've now sold out (and are going for crazy money on ebay! ) But all credit to Sains for this bit of customer service to enable children to complete their sets

    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
    • greent
    • By greent 1st Jun 17, 1:45 PM
    • 6,506 Posts
    • 65,665 Thanks
    greent
    The first day of a new month and budgets have been decided, monies transferred etc - although I still do need to pay OH his expenses from the co I have spent £32 on personal care (dry hair cut and eyebrow wax and tint) - I usually have a wcb, but my usual stylist is on mat leave, so I went for a cheapy dry cut instead. Haven't had my brows done in ages (at least 18 months) so I'm not really an expensive person to maintain

    Have been re-reading Tilly's diary from the start - makes for an enjoyable read

    Our neighbour's house has gone on the market last week. Beautiful garden but not family (small children and pets) friendly. D!cor very much dated (they are in their late 70s) so people will need to look past that. We do live in a very quiet cul-de-sac so that's a bonus. Hope we get nice new neighbours - the current ones are lovely. Price of their house also is good news for us as it's actually a smidge more than we conservatively valued ours at - and ours is bigger (extra bedroom, extra bathroom, 2 extra reception rooms) - although obviously that's only a paper gain in our 'wealth' Still nice to know, though

    Am hoping to pay off another £1k on BTL later this month - that then leaves around £450 on sub account 3, which I'll look to clear in July, hopefully. Any capital repayments will then be directed to sub account one, as that has a repayment date 4 years sooner than sub account 2. Depending upon how much we need to top DD up at uni/ how much kitchen comes in at eventually depends how much I may pay off it before Xmas (I'm hoping for another £2k from rental income without any input from us (and assuming no crazy unexpected btl related bills come in) That would put 2017's capital repayments then at (min) just under £5500 - about 165% of the target I set for 2017 ) I'd look to do the same amount (ish) in 2018 and then hopefully ramp it up 2019 onwards. I just need to make sure OH doesn't want to trade in his car and get a new one again! (although we may well purchase a small car for DD and DS1 to share use of in hols with OH maybe using it for commuting occasionally (currently commutes in a 2L 7 seater car - not the most economical way to do it!)

    My mum has generously given us £20k for the children. I've put 3k each for the smalls into NS&I children's bonds (easy option) and popped the rest currently into PSB whilst I look at what else to do with it (I know the likelihood of a win is getting less and less but I want quick access to it when I do decide and in the meantime, you never know!) I want to tie up the teenagers' share too - am thinking 3k each in NS&I bond for 3 years @ 2.2% (I think) and then unsure what to do with the rest (so £2k each). Whilst 5K each isn't going to go *that* far, I would like it to be spent/used towards something at the time on something noticeable, rather than general spending. Plus they also have a similar amount still tied up in my name re: each of them which I'm planning on them having at the same time (after graduation, at the least)

    Wm has finally finished (didn't go on until late, due to late emergence with dirty washing from his room of DS1) - gorgeous day, so I shall go and hang it out now
    xx
    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 1st Jun 17, 8:44 PM
    • 6,637 Posts
    • 48,667 Thanks
    apple muncher
    Don't put the dishwasher next to a parallel wall like we did!
    Originally posted by smallholdingsister
    Having never lived in a house with a dishwasher, and given that I assume that most of the walls in my house do run parallel to other walls, I am totally flummoxed by this statement! I have absolutely no idea what it means !
    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
    • greent
    • By greent 1st Jun 17, 8:58 PM
    • 6,506 Posts
    • 65,665 Thanks
    greent
    Don't put the dishwasher next to a parallel wall like we did!
    Originally posted by smallholdingsister
    Having never lived in a house with a dishwasher, and given that I assume that most of the walls in my house do run parallel to other walls, I am totally flummoxed by this statement! I have absolutely no idea what it means !
    Originally posted by apple muncher
    Neither do I! (shhhhh! ) We've had dw her and in our last house - both houses 'came' with them/ a space for them on the external wall nest to the sink - any kitchen redesigning we did kept them in the same place
    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
    • Karmacat
    • By Karmacat 2nd Jun 17, 8:56 AM
    • 28,180 Posts
    • 155,246 Thanks
    Karmacat
    I'd say don't put an appliance like that on a *party* wall? Might mean something different though I've got party walls on the brain
    Retired August 2016
    • brizzledfw
    • By brizzledfw 2nd Jun 17, 6:29 PM
    • 7,159 Posts
    • 34,767 Thanks
    brizzledfw
    All sounding good greent..well done

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • apple muncher
    • By apple muncher 2nd Jun 17, 8:32 PM
    • 6,637 Posts
    • 48,667 Thanks
    apple muncher
    I'd say don't put an appliance like that on a *party* wall? Might mean something different though I've got party walls on the brain
    Originally posted by Karmacat
    You are just a party animal, Karmacat!
    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
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 3rd Jun 17, 7:47 AM
    • 7,756 Posts
    • 86,547 Thanks
    Tilly MFW in 6 YRS
    Morning Greent, what a lovely thing for your mum to do

    Re dishwasher - now we've moved we have one by the sink on an outside wall and one in the utility room on an inside wall and have no noise problems. (We have 2 as our buyer was such an @rse from the beginning I excluded it from the sale when completing the solicitors lists of what was in and out of sale). That left me with the problem of what to do with it and thought booger it, we'll use it. Ridiculously I wouldn't be without it now

    You've made me think of re reading my diary now

    Enjoy the sun. Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Karmacat
    • By Karmacat 3rd Jun 17, 8:32 AM
    • 28,180 Posts
    • 155,246 Thanks
    Karmacat
    You are just a party animal, Karmacat!
    Originally posted by apple muncher
    I know, I just can't stop
    Retired August 2016
    • greent
    • By greent 5th Jun 17, 10:55 PM
    • 6,506 Posts
    • 65,665 Thanks
    greent
    Two dishwashers, Tilly? - I quite like that idea Not sure I can fit that into the kitchen plan though!

    Boys all back to school today - and I was back volunteering this morning and invigilating this afternoon (2.5hour geog exam - not the most exciting exam to invig by myself ) DD comes home (well - we go and get her) on Saturday - although how long she lasts before going to see bf/ getting bf to come and stay is another issue (actually -she'll have to get him to visit - I'd like her around for some of the school runs whilst the exams are still on) That means the L@keland heated airer will be here over the Summer hols, so I can use that if it's rainy - like today has been..

    Manky weather here today - heavy rain for much of it - and apparently it's not easing up much for the week DS2 is off on his Y6 residential to N Devon on Weds. Last year's group got sunburn from the day on the lakes - don't think they'll be much chance of that this year!!

    I STILL need to process OH's expenses - his c/ac is already looking slightly sick (although expenses are around £600 and most of that is effectively 'spare', I think - so once I do them his account will be rosier again - I refuse to transfer money around in the meantime - he's still in credit, after all (just )

    Time for bed - have spent way too long tonight re-reading Tilly's diary (have just got to the bit where a/c tidy ups are re-named Tilly Tidies ) - lovely read, but also miss some of the posters from back then who just disappeared, for whatever reason
    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
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 6th Jun 17, 6:18 AM
    • 7,756 Posts
    • 86,547 Thanks
    Tilly MFW in 6 YRS
    Morning Greent, when Gally, MWC and I were away we were talking about all the people we miss on MSE, as they disappeared. It's odd that you miss people when you've never met them.

    Wasn't the weather awful yesterday - it didn't stop raining AT ALL

    Tilly x
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • greent
    • By greent 8th Jun 17, 4:35 PM
    • 6,506 Posts
    • 65,665 Thanks
    greent
    Yes - I have some people's diaries on my subscribed list in the hope they may post again one day. I really do feel like I know some people on here quite well, even if I've not met them!

    Counting down the days until the next rent payment is in on BTL to make the next OP - I could temporarily use 'my' money but don't want to be transferring funds here and there. I just need to learn to have some patience!

    Had a rare afternoon off from exams today - which as my youngest's school was closed (polling station) was great (my mum looked after him this morning) It was also DS1's last external exam yesterday - so after he finished at lunchtime (had an unsupervised free last period, so he could leave) the three of us went for (the now traditional since 2014) post-exams lunch at N@ndos We then nipped to Sain5bury's to get the last 2 cards needed to complete DS3's Lego card album and then came home. A large, late lunch means just light food tonight - am thinking cheeses, pate & crackers followed by strawberries from the garden DS2 is away on his Y6 residential until tomorrow night, so it's just the 3 of us until OH gets home later

    More rain here yesterday and today - great for the garden, but not good for my washing pile! BBC Weather app doesn't show much improvement for tomorrow, either Sunday is currently looking the best day for laundry!

    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
    • Karmacat
    • By Karmacat 9th Jun 17, 9:26 AM
    • 28,180 Posts
    • 155,246 Thanks
    Karmacat
    That sounds a lovely day, greent.

    Missing mse posters ... yes! Me too!

    And Tilly - now that you're back, tell Gally she could do with posting her own updates a bit more though very pleased to see her posting on other people's diaries, at least
    Save
    Retired August 2016
    • greent
    • By greent 17th Jun 17, 4:34 PM
    • 6,506 Posts
    • 65,665 Thanks
    greent
    Oops - MiA again - it's been full on at work here with exam stuff (I worked 33.5hours last week - I know that's not that much in real terms - but for a very, very part time job it's a lot!!) Bare minimum being done at home - washing, minimum ironing (ie: stuff we need - rest is building up...) and feeding people! Weekends have also had stuff on - DS1 uni open visit 2 weeks ago and today (2 down, 3 to go) and last weekend we collected DD from her uni halls (she was the last one of 8 in her flat - her flatmates had mainly abandoned all their kitchenware (mostly unwashed), frozen, fresh and cupboard food items and lots of cleaning products (essentially unused....) There was a donation point literally in the next building for things too - lazy pigs! - if the kitchen had been left in the state it was when we arrived they would have had a large fine split between them. DD had been cleaning and emptying stuff out from the kitchen for 3 days (both rubbish and donations) Webrought all of her stuff back and I also brought back a Sabat1er potato peeler, 2 really nice sharp kitchen knives and a stack of unused Sistema clip boxes of varying colours and sizes - along with 5 part used bottles of wul and most of a pack of Per5il capsules (as someone had pinched DD's washing powder I felt that was ok) I cleaned loads of stuff (unless it looked beyond hope) and took it to the donation point, along with lots of tinned foods left behind. I would have been ashamed if my child had left it like that (she wouldn't have dared, tbh! ) (there were things like Jamie0liver cutlery, waitrose food items etc - not even cheap stuff)

    Have paid another £1k off the BTL and can pay sub account 3 off entirely next month when the rent has been received

    We have had the kitchen quote in..... - but I did choose solid wooden doors etc, so I shouldn't really be surprised! I have most of that sat in account called 'kitchen fund' and then we have quite a lot left in the co as directors loans at the mo so I can take the remainder from there. I'm holding off ordering it for a couple of weeks, because I want to revisit the showroom when we have a quieter weekend (ooh - that'll be in a month, then!) and maybe tweak a couple of points. I think I've found a plasterer (we aren't having tiles this time around, so the walls will need sorting, as will the windows - we're also going for windowsills this time too, rather than tiles. We have an electrician sorted - just need to find a local good Karndeeeeean floor fitter - the last one we used didn't do a great job. I can see it being done for just before Xmas, I expect!

    Roll on July - exams will have finished (with a good payday to be had from them this month!) and life will be less hectic (after the 10th, anyway)

    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
    • Karmacat
    • By Karmacat 17th Jun 17, 5:52 PM
    • 28,180 Posts
    • 155,246 Thanks
    Karmacat
    Wow, greent, fancy the flat being left in that condition - sorry you had to do that, but at least you brought along the excellent quality leavings with you - how appalling that that kind of stuff was abandoned!

    Not surprised you've been MIA - the amount you fit into your life continually amazes me
    Retired August 2016
    • greent
    • By greent 20th Jun 17, 11:53 AM
    • 6,506 Posts
    • 65,665 Thanks
    greent
    Honestly, the flat was disgusting - it was bad when we'd dropped DD back off at Xmas and Easter but this was so much worse - they'd just given up doing anything!

    Rare morning off work - I've tidied the freezer and updated the inventory, made and frozen packed lunches for the rest of the week (busy mornings, so it will help), washed and hung out a load of laundry - and done 45 mins of ironing - I know how to live!! Just grabbed a quick lunch as I am leaving in 10 mins - will be spending this afternoon scribing for a candidate in a 3 hour exam in a little (and hot) room... candidate has also been off school yesterday with a throat infection - am hoping they've got some antibiotics - that's my 'weak' area and I don't want to be ill (I do feel sorry for the candidate - they are lovely)

    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
    • smallholdingsister
    • By smallholdingsister 20th Jun 17, 8:17 PM
    • 3,557 Posts
    • 27,742 Thanks
    smallholdingsister
    Dishwasher...don't have it alongside a wall so the door opens parallel to the wall.

    Coffee and milk splashes all up the wall.
    • apple muncher
    • By apple muncher 20th Jun 17, 8:36 PM
    • 6,637 Posts
    • 48,667 Thanks
    apple muncher
    Enlightened at last! Thank you! Makes perfect sense now.
    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
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