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  • FIRST POST
    • themadvix
    • By themadvix 10th Mar 12, 9:51 AM
    • 1,058Posts
    • 5,918Thanks
    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 29
    • Karmacat
    • By Karmacat 23rd Jun 17, 8:54 AM
    • 27,841 Posts
    • 152,570 Thanks
    Karmacat
    Robbie is today

    Have a great time!
    Retired August 2016
    • Kittenkirst
    • By Kittenkirst 23rd Jun 17, 4:54 PM
    • 1,592 Posts
    • 8,224 Thanks
    Kittenkirst
    I go through spates of entering ALL the competitions too! Glad to hear I'm not alone

    Have an awesome time at Robbie!!! :J
    2017 MFW #20 - OP £1958.94/ £2150 91%
    Last 3 months- Jul £172.36 Aug: £212.52 Sep £206.32

    Emergency fund £3880/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • EatingTheElephant
    • By EatingTheElephant 24th Jun 17, 8:14 AM
    • 1,124 Posts
    • 6,053 Thanks
    EatingTheElephant
    Hope you had a fantastic time at Robbie and fingers crossed you win some really good things from those competitions.
    • Pearla*Merle
    • By Pearla*Merle 25th Jun 17, 5:55 PM
    • 1,601 Posts
    • 9,364 Thanks
    Pearla*Merle
    Wow, loved reading all the animal updates

    You're doing great with the comp entering and assorted MFW activities, well done! It's made me realise how slack I've been on such things lately - must do better!
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • themadvix
    • By themadvix 26th Jun 17, 9:45 AM
    • 1,058 Posts
    • 5,918 Thanks
    themadvix
    You folks are so lovely, thanks all for dropping by!!

    We had an awesome time at Robbie and while the tickets weren't cheap, we definitely saved by driving rather than getting the train (only costs were parking, petrol and a cheap supper from Waitrose). Parking was a nightmare though - bad enough that all the roads were closed (because of the concert) on the way in (so they could funnel you to where they wanted you to park), but we sat for 2 hours in the car park trying to get out on the way home and we were some of the first back to the car (station car park, they had the cheek to charge more for Robbie parking). the staff were blaming it on the traffic lights outside the car park, but frankly I don't think this is acceptable - not when they're advertising the car park for event parking and charging more for it. I'll be writing a strongly worded email today, with the hope of getting a refund.

    Despite being back at the car by 10.30, DH and I didn't get home until 2 as we had to drop our friends off (and didn't leave the car park until 12.30). This wiped us out completely on Saturday We did see the in-laws and stay for a BBQ there though, which saved us cooking.

    Sunday we went out for an event with a car club (riding in someone's 100+ year old car) We had an awesome time, made some new friends and the £48 was money very well spent

    MS things:
    * I spent most of Saturday in front of the computer entering the remaining comps on the comps board (that I was interested in). I'm up to date now, so will try to keep it that way (and slightly concerned that we might win too many breaks to Cornwall and run out of leave - first world problems! )
    * Didn't spend a penny on rip-off food at Robbie
    * Saved £35 on the train fares + cab
    * NV survey, TV survey done this morning

    Gratitudes:
    * Making new friends yesterday - everyone we met was really friendly and down to earth
    * Amazing time in the really old car!! (I want one, but we're talking 2nd mortgage territory - it's a long-term plan)
    * Amazing time at Robbie
    * Lovely weekend celebrating our 5th wedding anniversary

    I have much to be grateful for at the moment, I am really appreciating it

    Must go and get washing on line and next lot in - too much fun, not enough housework being done!!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • themadvix
    • By themadvix 27th Jun 17, 2:14 PM
    • 1,058 Posts
    • 5,918 Thanks
    themadvix
    Quiet day today, workwise.... Have entered many many many more comps.... I think I am a bit obsessed! No wins yet

    Have had plumber and plasterer in touch asking what the situation is this morning re the kitchen... We're still waiting for electrician friend.... Have told him that if he can't do it, he can't do it - it would be great if he could, but he works far too much and has two small children and another on the way. Hopefully we'll get an answer out of him tonight one way or the other.

    Had a response from the parking company - no refund. They unfortunately said that they thought the problem (which was out of their control) had been sorted... I suspect this was a backside covering exercise, but it means there's no hope of a refund.

    Feeling a bit bleurgh today and struggling to find motivation (for anything other than entering competitions!). I'm blaming the weather - what happened to summer?!

    MS things:
    * CC bill arrived and looks okay
    * fuel bill arrived - we owe £120, but I'm not surprised as their winter estimates were very low - hence I send them readings every month. Haven't heard from new supplier yet re switch
    * TV survey, VB poll, YG survey done
    * £co finally replied about my complaint that I'm still waiting for cb to paid from Jan/Feb (despite premium membership) - they asked me what the query was about!! Grr.... so sent them fairly stroppy reply....
    * SBs surveys done and larger daily goal met

    Not much going on...

    Gratitudes:
    * the rain, we need it, even if it's not much fun
    * Mum's kitchen will be finished before we rip ours out completely - will be able to visit for dinner and WM!
    * lots of kitty cuddles today
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Pearla*Merle
    • By Pearla*Merle 27th Jun 17, 6:48 PM
    • 1,601 Posts
    • 9,364 Thanks
    Pearla*Merle
    * I spent most of Saturday in front of the computer entering the remaining comps on the comps board (that I was interested in). I'm up to date now, so will try to keep it that way (and slightly concerned that we might win too many breaks to Cornwall and run out of leave - first world problems! )


    I will happily take a few of those holidays off your hands
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • blackste
    • By blackste 27th Jun 17, 6:55 PM
    • 1,015 Posts
    • 724 Thanks
    blackste
    I will second Pearla on that. Im sorely in need of a holiday.

    Good work though Vix.
    Mortgage £242500 on completion
    FD CC 11/2014 £5900 (£3900 after BT)
    FD loan Approx £5700

    Deeply depressing total - £254100
    • themadvix
    • By themadvix 28th Jun 17, 12:11 PM
    • 1,058 Posts
    • 5,918 Thanks
    themadvix
    Pearla and Blackste, I'll let you know if I need to palm them off onto anyone, but from what I've read, I'll be lucky! I have got the hang of entering now and it's taken less time today to get through all the new/daily ones. I'm just so impatient though.... I've not won anything yet!

    Have done some work this morning, but have run out now... unfortunately it's the time of year when things quieten down a bit.

    MS things:
    * £co finally paid out *some* of the seriously overdue cashback... so £2.45 is winging its way to me
    * All the Nectar points for holiday have been credited now - a grand total of £16 in there... am hoping that they'll do their exchange for Pizza Express voucher offer again later in the summer... mmm doughballs!
    * MS rewards points building nicely... although I'm behind DH. We're hoping we might be able to use these for Groove music passes to save on Spotify costs
    * DH is still taking his new friend to work Need to follow up on what happened to the £10 she gave him last week... think it might still be in his wallet and not in my sheepbank!
    * SBs swago is back, so lots of extra bucks to be made there... nearly at cash out for £5 Am voucher.
    * VB and Prolific payments are in, will add to OP fund when I withdraw them.

    Not so MS news:
    * My car is going to need some serious work over the summer... there's a whole litany of things wrong with it and it needs some TLC. DH (and I) will do the work, but getting hold of the parts may be difficult/expensive at times. In good news, it'll mean I won't be driving anywhere so will save on fuel. No idea how we're going to fit this in around fitting a kitchen, but we'll see... Still haven't heard from the electrician

    Gratitudes:
    * Good evening class last night
    * Haven't needed to water the garden (and the water butt has refilled )
    * Friends are still able to come to a barn dance with us at the weekend and have offered to drive
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • themadvix
    • By themadvix 28th Jun 17, 5:48 PM
    • 1,058 Posts
    • 5,918 Thanks
    themadvix
    Another £2.08 confirmed on £co, so have withdrawn that.

    Have meal planned for the week and spent £29 in Sainsbury's, but I don't *think* we'll need anything else (bar the milk which is delivered) until next week. It's very rare for me to go to a supermarket and need a trolley, but I didn't have enough for a delivery. Planning the meals does mean we at least have some nice things to look forward to!

    35p VB survey done too - am a third of the way to next payout already.

    Have a good evening all
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • themadvix
    • By themadvix 29th Jun 17, 6:34 PM
    • 1,058 Posts
    • 5,918 Thanks
    themadvix
    The more I think about yesterday's trip to Sains, the more depressed I get - I realised last night that I left the £1 coin (a shiny new one at that!) in the trolley I never have enough to use a trolley normally, so it just went clear out of my mind. And then, as I was in the kitchen today I noticed that there was a voucher on the pin board for £3 off a £20 spend that I'd forgotten to take I'm a rubbish MFW!!

    Am currently listening to calming music for cats.... yes, you read that correctly.... There was a link on the freebies article to it - apparently there's been quite a bit of research into music that calms cats and dogs. It's very nice piano solo music and I have no idea if it's related but one of the cats has come into the room for a very purry cuddle since I put it on!!

    MS things today:
    * Comps entered
    * Surveys done - I've lost track, but quite a few
    * MS Rewards searches nearly full

    Not a lot happening until pay day... looking forward to topping my savings back up.

    Gratitudes:
    * It stayed dry when I walked down for Drs appt
    * Carpet fitter came and sorted out carpet - there was a hard lump sticking up outside our bedroom door - turns out in was a surplus bit of underlay he'd missed. Glad it's sorted now.
    * A game of Exploding Kitties is on the cards (no pun intended) for this evening - no TV

    Have good evenings all!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • themadvix
    • By themadvix 30th Jun 17, 10:18 AM
    • 1,058 Posts
    • 5,918 Thanks
    themadvix
    Morning all!

    Off out for a walk and lunch with mum, sis and niece for 'Mothers' Day' today - we always take mum out somewhere and never on Mothers' Day as we spend it with nan, but it's rare we're organised enough that it happens before Feb time (whoops!). So it'll be a spendy day today.

    MS things:
    * Comps up to date
    * £3 PC survey done
    * 10p VB poll done
    * Have had a closer look at what I'll get paid after putting tax etc. aside this month and paying cc bills and it looks like I'll be able to settle all the small IOMes and put some back into my buffer fund.
    * Transferred £34 to OP fund from VB and Prolific pay outs. Now at £89.
    * There's a nice surplus in the joint bills account too, so we'll have a sweep of that at the weekend hopefully and might have enough for an OP.

    We're miles behind on our MFW 2017 target, but it was ambitious to start with, before taking into account the dire start to the year I had financially. Hoping that another good OP will bring us back to 'almost there' status and that the next half of the year will be better!

    Have booked one of my birthday presents - a trip to a chilli farm. We have quite a few of these experience-type things we need to book, but loathe to do it until we know what's happening with kitchen (hoping to hear from wife of electrician today.... but I've heard that one before - she's one of my best friends, so I'm allowed to be rude!). DH has only limited holiday left until September, so don't want to use it up on frivolous things before the kitchen is done/started.

    Gratitudes:
    * It's sunny, we'll have a nice walk
    * Nice evening last night playing Exploding Kitties.... especially as ginger cat decided to join in by sitting virtually on the deck....

    Happy Friday everyone!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Jessy103
    • By Jessy103 30th Jun 17, 11:15 AM
    • 448 Posts
    • 1,889 Thanks
    Jessy103
    Have a lovely walk and lunch! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,679.09
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22
    • themadvix
    • By themadvix 6th Jul 17, 10:26 AM
    • 1,058 Posts
    • 5,918 Thanks
    themadvix
    It's been a busy few days since I last updated!

    Mum, sis, niece and I had a lovely lunch and walk on Friday. Saturday DH and I did housework and DIY, and went to a barn dance birthday party in the evening - it was a good laugh. Sunday was more of the housey stuff. Monday, we set off early to be in Central London by 9.30 (my goodness am I glad I don't commute into London for work - it was SO busy!). DH had been invited to a corporate thing for Wimbledon, so we ate, drank and watched a lot of tennis (Court 1) - it was an excellent day. The company also paid for a swanky hotel in London.... panoramic views from our bedroom of the river - amazing!! (Only costs to us were the bus fare to the station and cat care!)

    Not a lot happened Tuesday (I even missed my evening class as I was too tired to drive!) and yesterday the main excitement was DH being away with work, so I had dinner at Mum's and admired her new kitchen.

    Must do some catching up on diaries!

    MS things:
    * Swept interest from accounts and added to OP fund.
    * No win on PBs
    * Comps up to date
    * Less than £1 to go on YSP (and then I'll be closing the account); 10p poll on VB done
    * £1 YG surveys done
    * At pay out on SBs, but don't need an Am voucher at the moment, so will keep it in there for now
    * Prolific about £18 when all approved
    * Meal planning done for this week (just need to do the shopping!)
    * Vax had a sale on - had been planning to buy a new carpet cleaner (ours is 20+ years old, inherited and falling apart in multiple places) as we use it a lot with the cats - new cleaner, due to be delivered today £79.99 instead of £199.99, gets great reviews too.
    * Tax return done and PBs money requested to pay July bill and put money in pension. Am undecided as to whether to split the pension money between Nest pension and LISA or just bung it all in pension...

    OP fund at £108 now. We did check joint a/c for sweepings, but because I've order flea tablets for next year already and we owe old fuel supplier, there's not much in there (about £100 excess). DH has some money in Plum... not sure whether this is coming my way.... and no lift sharing this week (maybe tomorrow) as he's not been in the office!

    We've had £214 back from insurance company for glasses, but this went towards the deficit the new ones had caused!

    I was able to pay off all my 'IO Mes', except for the large chunk borrowed throughout the first few months from my buffer fund, so my finances all feel much tidier now. Amendments have been made to my spreadsheet so there are more budget categories (thanks Lady Gnome for the inspiration!), so I'll have less to spend but more of the regular stuff will be covered. DH and I have agreed that we probably need a new master spreadsheet that's up to date (and possibly a new way of doing things).

    Think that's all for now, finance-wise....

    Gratitudes:
    * Wimbledon
    * Barn dance (and time spent with friends)
    * Quality time with DH
    * Random friendly cat in front garden this morning
    * Wildlife in mum's garden last night

    I'm giving blood later, so better have another drink now!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Jessy103
    • By Jessy103 6th Jul 17, 1:31 PM
    • 448 Posts
    • 1,889 Thanks
    Jessy103
    Sounds like you've had a great few days! I'm glued to Wimbledon at the moment! We have a vax carpet cleaner and it's fantastic!! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,679.09
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22
    • themadvix
    • By themadvix 7th Jul 17, 12:10 PM
    • 1,058 Posts
    • 5,918 Thanks
    themadvix
    Well I didn't faint this time from giving blood (was on strict instructions to rest and drink a lot - I had 3 pints of squash between getting home and going to bed!), but I feel pretty lightheaded today, so I'm not sure it's going to be sensible to continue, which is really annoying!

    Am trying to take it easy today, but I've got quite a bit I need to get done. Some of it I have nudged to tomorrow's list though.

    MS things:
    * Surveys up to date
    * Cashback from £co now paid because I complained.... may be switching my allegiance to tcb
    * Am investigating alternative wormer for cats - the new tablets they've given don't go down with fussy cat and at £7 each are expensive (especially when he refused point blank to eat it, despite it supposedly being 'tasty'). I can't seem to find anything that clearly states the difference between the different brands, which is so annoying!
    * Sister's birthday present ordered via TCB
    * Comps up-to-date (have even managed to find a couple to post on the forum, so I feel I'm doing my bit )
    * Need to go food shopping again - will remember the Sains voucher this week! (and not leave my £1 in the trolley!)

    Gratitudes:
    * Not fainting - hurrah!
    * Silly circular family phone conversation last night, involving sister's birthday present/surprise - it was funny
    * DH looking after me last night

    Happy Friday everyone!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • try harder
    • By try harder 7th Jul 17, 12:47 PM
    • 473 Posts
    • 1,533 Thanks
    try harder
    What a great week you have had overall i love Wimbledon and looking forward to todays match .
    I dare not look on the MFW2017 board thats all i have to say .
    Well done giving blood you are much braver than me ,my children all do though ,so glad that they are not cowardly like me .
    • themadvix
    • By themadvix 10th Jul 17, 11:53 AM
    • 1,058 Posts
    • 5,918 Thanks
    themadvix
    Glad it's not just me re MFW 2017! I'm feeling like a MFW fraud at the moment... there's virtually no OPing going on, and we seem to be spending more than we have on the kitchen (and not on nice stuff, just plastering, wiring etc.). I have to keep reminding myself that it'll be worth it and add value in the end.

    TH - have you ever visited with any of your children when they give blood? I was scared, but then I went with my friend (I couldn't donate as didn't have an appointment) and once I'd seen how it worked I wasn't so bothered! Sadly I'm not sure whether I'll do it again - I didn't faint, but I did spend most of Friday feeling lightheaded and I'm not sure that my body's is up for it, even if I am.

    Weekend was quiet, did quite a few house jobs, which was good and have freecycled some bits which has given us more space in the utility room. Tried out our new vax - very impressed! DH is going to B&Q tonight as we need a couple of bits to finish some small jobs off - I've sent him a £10 e-voucher to use (from a tv survey), so hopefully that will cover most of the cost. Am going to try to keep a record of the vouchers we use/free stuff we get for doing the kitchen/other rooms, to see how much we can offset the spends.... While ultimately it'll mean more for the OP fund, with money a bit tight I'm not going to immediately transfer it over.

    MS things:
    * Surveys/polls/SBs done
    * Comps entered....
    * Menu plan done and being stuck to
    * Found a few bits during clear out that hopefully electrician man can use (it's no longer our friend doing it, so anything to reduce the cost is good!)
    * DH used £5 shell voucher off of fuel
    * DH still lift sharing (still not seen the cash!!)
    * Loose change into the sheepbank
    * Tax bill paid, am in process of deciding what to do with pension savings...
    * Rhubarb crumble from garden (and tomatoes are coming along!); harvested and froze redcurrants last week

    Gratitudes:
    * Got to go for a nice drive in the country shortly to return something borrowed
    * Lovely walk yesterday evening with DH
    * Nice family time at Nan's yesterday
    * Rhubarb crumble from garden (and tomatoes are coming along!)

    Happy Monday everyone!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • themadvix
    • By themadvix 11th Jul 17, 11:54 AM
    • 1,058 Posts
    • 5,918 Thanks
    themadvix
    Had a very MSE trip to Sains yesterday (realised I needed bread and an onion for dinner). TCB had sent me their Wimbledon freebies email, so I also got squash (needed) and strawbs and cream (wanted - I'd ordered with veg box and they hadn't come!) for a total of £1.05. Not only that, but the man in front walked off from the self-service till without his change (he seemed rather grumpy, so I wasn't going to chase after him!) - 65p in my pocket

    Have paid my pension contribution in for the year - about 25% of my pre-tax income, plus tax relief to come... hopefully this will help me catch up as I only opened a pension last year.

    Spent yesterday evening glued to the TV watching Nadal/Muller! Amazing match. Used the time to do click2wins... not won anything yet, but I do love dreaming of what I'd do if I did win!

    Still waiting on (new) electrician.... driving me mad!

    Had bought sis a herb growing kit for her birthday but needed a saucer for underneath. DH couldn't see one in B&Q, but I spotted one that will do nicely in Dad's garage - he said I could have it, so just need to give it a clean. (She's also getting a personalised phone case, so I'm not being that stingy!)
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Kittenkirst
    • By Kittenkirst 11th Jul 17, 1:13 PM
    • 1,592 Posts
    • 8,224 Thanks
    Kittenkirst
    Sounds like you've had a busy and exciting few weeks with the Robbie trip and Wimbledon! I'm hoping at your swanky hotel you managed to sneak out a few jam pots?

    25% tax for the year sounds a good old chunk to be stashing away too. Well done you; I put 4% a year in and my company put 8% in so quite a way behind your figures, but I'm hoping a little is better than none
    2017 MFW #20 - OP £1958.94/ £2150 91%
    Last 3 months- Jul £172.36 Aug: £212.52 Sep £206.32

    Emergency fund £3880/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
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