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  • FIRST POST
    • themadvix
    • By themadvix 10th Mar 12, 9:51 AM
    • 717Posts
    • 2,868Thanks
    themadvix
    Finally I have a mortgage I can start to pay off!
    • #1
    • 10th Mar 12, 9:51 AM
    Finally I have a mortgage I can start to pay off! 10th Mar 12 at 9:51 AM
    Hi Everyone,
    Having been a long time lurker on this board whilst saving for a house deposit (you’re all so friendly and positive that it’s an inspiring place to ‘hang out’), my fiance and I completed on our first house yesterday!

    It’s a three-bedroomed terraced house in Hertfordshire (hence the long saving period) with an 80% LTV mortgage of £132,999 with Natwest, fixed for 2 years at 3.79%.

    There’s just the two of us (and our new two fish, Rosie and Jim, inherited with the house!), but I work from home, hence the need for a third bedroom as office space. We won’t be moving in until June as the house needs some work doing and we’re getting married in June so it seemed to be a sensible option (as we both currently live with our parents…tragic I know in my late 20s, but nice mortgage rate as a result).

    Obviously with house needing work and a wedding looming, I don’t expect to be making much in the way of overpayments for a while (but this won’t stop me rounding numbers down or transferring small bits across). Another issue is that although DF is employed (and hopefully about to get a new job in the company ), I am self-employed and therefore my income varies drastically from month to month. However, I have built up a fairly solid client base over the last five years, and especially in the last year, so I hope that this will continue to improve and that I will be able to contribute to overpayments.

    DF is the spreadsheet nut, so I’m hoping he’ll get it set up for me so I can play with figures soon (although I have no idea what a pivot table is and am not convinced I need to know! ) We’re already a very MSE couple having been saving for so long – we cashback, do surveys, shop around, get the freebies that are relevant to us and have already (having gone to the house last night) established that if I’m paying the energy bills we’ll be living in a cold house! In all seriousness though, we are both on board with the idea of overpaying the mortgage - it just makes sense!

    So, for the moment this diary will be a place to record the small things I do as well as the little overpayments I make (once my mortgage shows up in online banking!). Once June has flown past and we’re back from our honeymoon, I’ll get a grip on income and expenditure and work out an SOA and how much we can regularly overpay.

    Vicky

    PS Long, long term, this isn’t our forever home and one day we’d like to build our own environmentally friendly home! But more of that in the future…
    Last edited by themadvix; 21-11-2016 at 5:06 PM. Reason: Because I got the interest rate wrong!!
Page 24
    • themadvix
    • By themadvix 19th Apr 17, 5:46 PM
    • 717 Posts
    • 2,868 Thanks
    themadvix
    Two together railcard renewed, with 10% discount code and a month later than it expired as we weren't going to use it! Excess money from budget will be transferred to OP fund.

    Forgot to mention earlier that I've been duly posting and receiving things as directed Getting the hang of it now!
    OPs 2017 = £1300/£10000
    S&S ISA = £100/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance Feb 2017: £103, 019.99
    MFW2017 no. 38
    • themadvix
    • By themadvix 24th Apr 17, 1:24 PM
    • 717 Posts
    • 2,868 Thanks
    themadvix
    I've been a bit lax with posting lately, largely because there hasn't been much to report. I need to get the focus back a bit and get back to posting every day - it makes a difference!

    Did the boot sale at the weekend and made ~£45 profit in all, which I was really pleased with. Sold the most ridiculous things, but like Kittenkirst said of hers, the books, DVDs and CDs didn't sell well at all. Most went straight to the charity shop afterwards - I've regained a spare bedroom! I did retrieve a few bits for FB/Ebay, so I need to get them listed this afternoon/evening.

    Reached pay out on NV last night, so looking forward to receiving that cheque when it arrives. Almost at pay out on MM and VB too. Have shifted a couple of small bits on the Bay, so a few more pennies to add to the pot there.

    Carpet was finally fitted on Friday - it looks lovely and makes us smile every time we go upstairs! It was worth the wait (and, in the end, a bargain). Annoyingly I didn't get the chance to paint the staircase woodwork once the carpet had come up (and thought it would be ok) - of course, now you can see yellow woodwork by the new carpet... some careful painting (with lots of masking tape) is now required!

    While I was boot saleing, DH did some final finishing touches to hall, so now we're pretty much done. Onto the kitchen! We spent last night properly planning on Ikea's website, so have a pretty good idea of price now. Plasterer coming tonight to give us a quote and have chased plumber. Will be going to look at flooring tonight too.

    Things to be grateful for:
    * Sunshine for boot sale (it was raining when we arrived at 11... no one was setting up... 10 mins later, it was dry and there was glorious sunshine most of the afternoon!)
    * Lovely day with friends visiting yesterday and a walk in the bluebell woods near us
    * Beautiful tulips and hyacinths from friends - smell gorgeous!
    * Less than two weeks till our holiday!
    * Feeling very motivated at the moment - getting things done, projects moved forward and cramming lots in so that we can have next year (before we move) without DIY projects!

    Have a good afternoon all!
    OPs 2017 = £1300/£10000
    S&S ISA = £100/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance Feb 2017: £103, 019.99
    MFW2017 no. 38
    • themadvix
    • By themadvix 24th Apr 17, 2:58 PM
    • 717 Posts
    • 2,868 Thanks
    themadvix
    Ooh, just had an email to say I won a £5 voucher in the Gfk TV survey
    OPs 2017 = £1300/£10000
    S&S ISA = £100/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance Feb 2017: £103, 019.99
    MFW2017 no. 38
    • atypicalblonde
    • By atypicalblonde 25th Apr 17, 12:36 PM
    • 2,045 Posts
    • 11,634 Thanks
    atypicalblonde
    That is a great boot sale profit, well done you! Keep posting, even if you don't think you have a lot to report. We all need to keep motivating each other, even if you think you've "done" nothing to help you on your journey, I am sure each day you are without even realising it x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 29.4.17 - £128,990
    Look after the pennies and the pounds will take care of themselves
    • Kittenkirst
    • By Kittenkirst 25th Apr 17, 5:06 PM
    • 1,277 Posts
    • 6,067 Thanks
    Kittenkirst
    Good work on the carbooting & decluttering!

    I'm envious of your kitchen planning, sounds very exciting
    Emergency savings- £2170.20 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £948.07/ £2150. 44%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£301.69
    • themadvix
    • By themadvix 26th Apr 17, 8:32 AM
    • 717 Posts
    • 2,868 Thanks
    themadvix
    You're so right ATB - I know I need to keep posting!

    KK - you wouldn't be envious if you saw the size of our kitchen! Everything is compromise as it's just too small! (And going to be even smaller as modern worktops and cupboards come out further! But it will be better than it is and it's only for a couple of years. We'll be using some of DH's winnings from work to fund it.

    MS things from yesterday:
    *Paid £47.72 into OP fund yesterday from boot sale - that's all profit, so I'm really pleased
    *Was Dad's birthday. DH sent me details of staff discount for Buyagift, so used that to buy him English Heritage membership, between me and sister (he's old now, so savings to be made there!). Saved £5 on budgeted amount. It had been looking like I'd get him an Am voucher, so pleased to find this as I'd've felt stingy with a £20 Am voucher and would have bought choc to go with it. This seemed a nicer, more considered present, so no choc needed!
    * Bought some needed clothes for holiday - looked in Fat Face for which I have a £20 voucher. No sale on and clothes were SO expensive... so saved voucher for when sale is on and bought t-shirt and shorts in M&S for less than I've have to pay for one item in FF!

    Today:
    * MOT for DH's car - should be £35 and hopefully will pass (otherwise we're a bit stuffed as mine still isn't working and is now blocking access to garage to get mini out!).
    * Friend popping round for a cuppa later
    * Mini date night with DH, checking out the local brewery (but dinner planned, so no temptation to eat out!)
    * Lots and lots of work to do.
    * Must try to list some ebay items and bump FB items

    Have a good day all!
    OPs 2017 = £1300/£10000
    S&S ISA = £100/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance Feb 2017: £103, 019.99
    MFW2017 no. 38
    • Karmacat
    • By Karmacat 26th Apr 17, 9:47 AM
    • 27,125 Posts
    • 145,434 Thanks
    Karmacat
    Thats a lot going on! Good for you
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • themadvix
    • By themadvix 26th Apr 17, 9:51 AM
    • 717 Posts
    • 2,868 Thanks
    themadvix
    So true KC, but I seem to have motivation at the moment and am capitalising on it! It probably won't last, but I really want to get the house finished this year so next year can be a year of relaxation and enjoyment before we move. I'm just pushing myself to get things done and make the most of the evenings - so far it's working and I'm sleeping better! (5.30 am start because kitties were scratching *new* carpet may cause me a few problems later today though!)
    OPs 2017 = £1300/£10000
    S&S ISA = £100/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance Feb 2017: £103, 019.99
    MFW2017 no. 38
    • Jessy103
    • By Jessy103 26th Apr 17, 10:44 AM
    • 214 Posts
    • 722 Thanks
    Jessy103
    Make sure you keep posting MV because I love reading your diary and often wish I had your motivation! I hope those cheeky kitties leave your new carpet alone!! When we had a new landing carpet one of the dogs had the audacity to throw up on it the day after it was fitted! Lol! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£1,521.37
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66
    • themadvix
    • By themadvix 26th Apr 17, 10:52 AM
    • 717 Posts
    • 2,868 Thanks
    themadvix
    Oh Jess, you couldn't make it up - I feel your pain!

    I will keep definitely keep posting, don't worry - have just felt I've been a bit wayward recently and need to refocus (not easy with a holiday coming up!). Also aware that I haven't made any OPs in months and it is likely to be another month before I do... am seriously behind on the MFW2017 target I set myself.
    OPs 2017 = £1300/£10000
    S&S ISA = £100/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance Feb 2017: £103, 019.99
    MFW2017 no. 38
    • try harder
    • By try harder 26th Apr 17, 11:21 AM
    • 374 Posts
    • 1,138 Thanks
    try harder
    I am way behind on the target i set myself on the MFW2017 board ,i am really struggling to find any extra after savings and bills .I hadnt realised that you were planning on moving in 2019 how exciting wish it was me ,i think it will be a long time before that happens but it helps to keep me motivated with the dream of a new house .
    • themadvix
    • By themadvix 26th Apr 17, 1:32 PM
    • 717 Posts
    • 2,868 Thanks
    themadvix
    That's the plan TH, but we'll see what happens when we get there.

    Car passed its MOT fine, have booked the mini in for next week and am now taking one of the cats to the vets this afternoon Seem to be spending a fortune on them at the moment, which is frustrating, but I just want them to be happy and healthy (and sorted before we go away).

    To-do list update:
    FB items bumped, 3 bits of work done, car MOT'd.
    OPs 2017 = £1300/£10000
    S&S ISA = £100/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance Feb 2017: £103, 019.99
    MFW2017 no. 38
    • Karmacat
    • By Karmacat 27th Apr 17, 8:40 AM
    • 27,125 Posts
    • 145,434 Thanks
    Karmacat
    You've solved a bit of a mystery for me - I try to watch what's happening on my local selling page on fb, and thats what I'm seeing - bumps!

    Sorry your cat was ill - how's things today?
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • themadvix
    • By themadvix 27th Apr 17, 1:56 PM
    • 717 Posts
    • 2,868 Thanks
    themadvix
    Hey KC! Unfortunately the 'bumping' isn't helping! I've not sold any of the bits.... back to Ebay I guess, although I won't now sell anything until after my holiday.

    It is the same kitty who won't pee in the litter tray. We took him last week and it turns out he has low level, stress-related (ha! stress!) cystitis, which means he now thinks the litter is causing the pain when he pees. So he's been on 'kitty prozac' (actually a natural thing - uses the casein in cat breast milk to relax them) since last week, but no difference with where he pees. I took him yesterday because I hadn't seen him pee at all for 24 hours and was beginning to worry - this is what alerted us to the problem with the other cat (also stress cystitis!). So another £29 down. Vet tried to give me some anti-inflammatories, but fortunately we had some leftover from first kitty, so saved £13 there.... Lo and behold, before he'd had any of the drugs he did a 'lovely' big wee all over the carpet last night... Hmm.... (sorry, that was probably more than you bargained on when you asked the question!!).

    Didn't go to the brewery last night with DH as it's only open Thurs-Sun, so we're off there tonight.

    MS things:
    *35p on VB
    * Various SBs in the code giveaway yesterday
    * Ordered a £25 JL voucher from MM
    * Apparently the Ukrainians have paid... but they said this last time....
    * Lots and lots of work
    * Have applied and been accepted for Amex Gold Card - will use this to buy kitchen, thus netting me the 22,000 points which can be exchanged for Virgin Atlantic points. DH also gets a referral bonus

    Grateful for:
    * Grey wagtail pottering around the garden - a regular visitor now and I think he's nesting nearby
    * Cat peeing on the carpet?! At least I know he's not struggling to go!
    * Mini date night tonight

    Have a good afternoon everyone!
    OPs 2017 = £1300/£10000
    S&S ISA = £100/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance Feb 2017: £103, 019.99
    MFW2017 no. 38
    • Jessy103
    • By Jessy103 27th Apr 17, 9:42 PM
    • 214 Posts
    • 722 Thanks
    Jessy103
    Hi mv. Sorry to hear about the kitty! Have you tried that adaptil (I think that's what it's called!) It helps cats and dogs relax. We bought a spray bottle of it and sprayed it in the car to help the dogs relax until they got used to traveling. Also as kitty doesn't want to use the litter tray would he go on those puppy pads you can get instead? Just trying to think of ways to save you new carpet!! I hope they're both feeling better soon! Hope you have a nice time at the brewery! X
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£1,521.37
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66
    • themadvix
    • By themadvix 28th Apr 17, 8:08 AM
    • 717 Posts
    • 2,868 Thanks
    themadvix
    Hi Jess, thanks for thinking about this! Yes, we've got Feliway diffusers, which seem to stop them fighting as much (mainly play fighting but there's been more hissing lately). Hadn't thought of the puppy pads - a good idea though, would consider that in future.... Fortunately he's not using the new carpet (just the old one!), and even more fortunately, **he used the litter tray last night!!!** wahoo! I think we might have cracked it! (It's a weird world where you listen to see whether he's doing a number one or number two in the litter tray and then celebrate!). I'd put a different litter in there for a few days as suggested by the vet - neither cat would go near it so yesterday I changed it back to normal and apparently it was appealing. Fingers crossed this is the beginning of the end!

    Brewery was fun, only had a drink there and a wander around the town centre (it was shut, but it's a nice place to nose around), but did give in to fish and chips for dinner. I'm not going to feel too guilty as we've not had takeaway in a while and it was a nice end to a lovely evening.

    I've already completed my posting duties for today and done a small top-up shop (we had no milk for breakfast!). Generally I think there'll be lots of working today, followed by Brownies tonight, hopefully seeing sister and niece on the way.
    OPs 2017 = £1300/£10000
    S&S ISA = £100/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance Feb 2017: £103, 019.99
    MFW2017 no. 38
    • Karmacat
    • By Karmacat 28th Apr 17, 9:33 AM
    • 27,125 Posts
    • 145,434 Thanks
    Karmacat
    Thats fine on the detail I'm catsitting next week, and its a while since I've had cats of my own
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • EatingTheElephant
    • By EatingTheElephant 29th Apr 17, 3:32 PM
    • 828 Posts
    • 4,111 Thanks
    EatingTheElephant
    Great news the cats liking the litter tray again. Even though old carpet is better than the new, it is so much better in the litter tray!
    • themadvix
    • By themadvix 29th Apr 17, 9:40 PM
    • 717 Posts
    • 2,868 Thanks
    themadvix
    So true ETE!

    Have had a day out in Kent with DH today which was lovely. Did buy lunch on the go, but it was £5 in total so not too bad. Made up for tonight by free tea as I'm writing this while helping my dad run a quiz night (I do the marking) and DH is at a stag do where the activities have been paid for by the stag's dad, so just food and drink to pay for.

    Tomorrow we'll be going to a local beer festival but as I'll be driving it shouldn't be too expensive (although they do have yummy local apple juice).

    Happy bank holiday weekend everyone!
    OPs 2017 = £1300/£10000
    S&S ISA = £100/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance Feb 2017: £103, 019.99
    MFW2017 no. 38
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