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  • FIRST POST
    • themadvix
    • By themadvix 10th Mar 12, 9:51 AM
    • 1,117Posts
    • 6,417Thanks
    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 33
    • themadvix
    • By themadvix 31st Aug 17, 8:16 AM
    • 1,117 Posts
    • 6,417 Thanks
    themadvix
    Thanks Jess!

    Theatre was great last night - it was really lovely to do something different and it was the first time we'd made use of the local leisure facilities, so gave us a bit of a different insight into the town we live in (and which we are frequently scathing about). While it's not where we want to live long term, we probably do see the worst in the area we live in and the town centre - it's perhaps not all as bad. Instead of having a drink in the theatre we popped to Wetherspoons first - does that count as moneysaving?!

    Lots to do today as it's payday, so am up, dishwasher and washing on and bread doing its thing (the first loaves in my new kitchen!). Have some work to do too Apart from needing milk, I won't be leaving the house, so should be a low spend day.

    MS things:
    * That lasagne I was waffling on about yesterday - tonight's tea! (My brain clearly wasn't thinking yesterday!)
    * VB poll, SBs collected
    * Comps up to date -it's end of month, which is a big thing I think!
    * Will investigate and sign up to Shopm!um via MW's referral for some free ice creams

    Gratitudes:
    * Sunshine - wasn't yesterday miserable
    * The air's just beginning to get that autumnal feeling (I love summer and hate to see it go, but autumn is lovely too, just less keen on winter!)
    * home made bread!

    Have a good Thursday 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
    • Busy Mee1
    • By Busy Mee1 31st Aug 17, 11:51 AM
    • 419 Posts
    • 1,610 Thanks
    Busy Mee1
    Wow lots happening here - refund from the swedes, competition wins and theatre trip. What a fab week you have had. Enjoy your lasagne - we were having Shepherds pie , but might to lasagne instead now you have got me thinking about it !
    • earthgirl
    • By earthgirl 1st Sep 17, 8:13 PM
    • 2,483 Posts
    • 20,099 Thanks
    earthgirl
    Pleased you had a good time at the theatre, sounds good..different. Congrats on all the income/wins this week.
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • themadvix
    • By themadvix 4th Sep 17, 11:02 AM
    • 1,117 Posts
    • 6,417 Thanks
    themadvix
    Morning all!

    I have a stonking headache this morning and the plumber is due to turn up any minute to do the last bit in the kitchen. Honestly, next time DH can do it (I wanted to pay someone to get it done quicker.... apparently that's not how it works!).

    Have completed the money shuffle now and am going to start putting monthly figures down so I can track progress at paying this 'debt' off. It has been another dire month workwise, so DH has paid my cc bills (almost entirely DIY and food, so I don't feel too guilty). I've scraped around for the interest on various accounts so this has been used towards the debt (I've also added what was in my OP fund, so debt has shrunk by ~£230, despite having no money!).

    Mortgage: £98, 659.89
    Original Kitchen 'Debt': £2438.63
    Current kitchen debt: £2204.28
    Reduction: £234.35

    This only includes the money we've had to borrow from my buffer fund - the kitchen sadly cost a lot more. Haven't yet heard from the refunds department at the Swedish furniture store, so will hope to hear today, otherwise I'll be chasing them. The debt might yet go up as I've estimated final plumber bill and we may add carpet for the spare bedroom to the debt, as I want to get it finished soon.

    Yesterday we went to Silverstone (I won the tickets) - we took a packed lunch and I found 20p on the floor, so not a bad day! It was cold and windy though. Good racing and free exercise as we walked around the outside of the circuit.

    I've drawn up a meal plan for the rest of the week, using up the veg in the fridge and the many varied items in the freezer - I think I've probably got enough to last for another week once we get back from camping, although I'll need to top up the fresh stuff. DH will have a hire car for work Tues/Weds/Thurs this week, so that will help save some fuel costs.

    I signed up to Shopm!um using MW's referral code - have had free cornettos and some free baby food for niece. My code is s4ve6 if anyone wants to use it. It looks quite good and hopefully I'll get the cashback for those items this week.

    If the plumber isn't here all day, I need to send an ebay parcel (about £2 net) and buy the cat's worming tablets. While I'm out I'm going to forage some nettles and (hopefully) some blackberries!

    Milkman didn't turn up this morning, so I will need to email the company to get a refund... I'm not impressed, I pay a fortune for milk in glass bottles and I expect it to be delivered!

    Right, enough waffle here, must get on... (or put kettle on again!)
    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 4th Sep 17, 5:39 PM
    • 1,117 Posts
    • 6,417 Thanks
    themadvix
    Wins today

    * Plumber charged £10 less than I'd estimated
    * I've just won some Onken Yougurt. I went for peach, strawberry and coconut (even better, DH doesn't like coconut, so I won't have to share!)
    * Walked to vets to get boys' worming treatment - have switched to a different one for fussy cat, it's cheaper and then the receptionist rang me as I was walking home to say that I could use it every 3 months, instead of monthly - so 2 months' cover became 6!
    * Ebay parcel posted - £1.73 total profit.
    * Shopm!um cashback has come through and been transferred to DH as it turns out he paid for the stuff!
    * One of my rellies has signed up using my code, so I'm all set to get a free bottle of bottlegreen - will (try to) keep it for Christmas/entertaining
    * Have finally sorted Brownie money and written a cheque to me for £18 for expenses owed
    * Found another receipt for £2.50 owed from different unit (sadly I'll have to wait for reimbursement rather than pay myself)
    * Not today, but forgot to mention that I freecycled a litter tray on Saturday and offered to deliver (within the town) as the lady didn't drive - she gave me a fiver, bless her!
    * Have been out and foraged some blackberries (the remains of) and some nettles (crazy woman alert) as have read they make a good hair rinse! Will put the blackberries with the apples from our tree and make a crumble for pud tonight.

    Milkman did turn up, so now have enough milk to float the Queen Mary (good job there's toad in the hole and custard (not together!) on the menu then!
    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
    • Karmacat
    • By Karmacat 5th Sep 17, 9:14 AM
    • 28,042 Posts
    • 154,145 Thanks
    Karmacat
    There's a lot of wins in that there post! Good for you
    Retired August 2016
    • themadvix
    • By themadvix 5th Sep 17, 10:26 AM
    • 1,117 Posts
    • 6,417 Thanks
    themadvix
    Thanks KC, it does seem to have been going rather well the last few days (bar the lack of work...).

    Heard from my main client yesterday - he's been building a barn, it seems, in August. However, work should begin to pick up soon. And the Americans will be back from their Labor Day weekend today, so there may be some movement there too.

    I've 'won' more tickets to Silverstone - basically it's an attempt to ensure some people are watching the racing I think, although this is for a series DH follows, and can be quite fun to watch (lots of argy-bargy), so we might go again Will take my flask next time though!

    I'd made plans for today on the basis that I'd have a car to use (mine is off the road, no fuel tank currently!), but DH omitted to mention that he wasn't getting a hire car.... So, plans amended and I've got to wait in for parcels (for car) anyway. Friend is popping here instead and I might pop out with mum, sis and niece later.

    Discovered we have a large tin of white emulsion in the shed, so will use that to white the walls in the spare room before using my freecycled magnolia - between the two, I should get both remaining bedrooms painted at no extra cost! Plan for today is to finish washing the walls down in spare room and sand the bits DH has already filled.

    MS things:
    * comps entered
    * VB survey
    * Listed 1 thing on ebay and another on FB
    * Had a message from someone interested in something I listed on FB ages ago - she's coming to collect now! £3 for the pot!

    Gratitudes:
    * Not having to walk to meet friend as it is now raining!
    * Cuddly kitties
    * Foraging yesterday - despite good intentions this is the first year in three years I've managed to pick any blackberries!
    * Free apples from my mum's neighbour

    Have a good day 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 7th Sep 17, 12:00 PM
    • 1,117 Posts
    • 6,417 Thanks
    themadvix
    Have had a low spend couple of days. I did go out with mum and sis on Tuesday afternoon - but only spend was a cup of tea, which mum paid for. It was £2.75 though! And the service was terrible. We won't be rushing back there again. We went to Mr A afterwards and sis claimed her Shopm!um freebies and I claimed my free bottlegreen (using referral to top up the cashback). Cash has already been received and transferred to cc bill - so much better than £co or TCB!

    Yesterday I got on with jobs at home and then popped out for a walk with sis and niece - it was good to get some fresh air and exercise. We resisted the temptation of the local bakery, thus saving money and our waistlines. Popped to Sainsbury's on the way home for some necessary items - £8.00 spent. Saw Dad in the evening for a quick cuppa (and to borrow some camping bits).

    Have just finished the last of three bits of work that arrived overnight - not a lot, but it's a start. Looking forward to a relaxing weekend away and hoping that I'll come back to proper volumes of work - I find it very frustrating not having any/much and normally would be feeling quite down about it - having sister around during the day has made a huge difference this year.

    Various jobs to do today:
    * Bake for weekend (using some OOD ingredients acquired from a declutter elsewhere)
    * Stew some apples Mum gave me
    * Prepare for brownies tomorrow
    * Actually wash those walls down/paint

    Can you tell what I'm good at procrastinating about?!

    MS things:
    * £2 won on Gfk TV survey
    * 'DH' won some yoghurt
    * Free apples and baking ingredients
    * Picked 5p up from floor
    * DH took my freegle fiver for lunch at a trade show yesterday, but managed to wangle lunch from a supplier and he's taken a packed lunch today
    * Usual SBs, VB, MS rewards

    Gratitudes:
    * We've cracked fussy cat's aversion to medication - a cheapy wet cat food tray and mush it all in
    * A long weekend away ahead
    * DH is cooking tonight (beetroot curry - it's an experiment!!)
    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
    • ch4rly2002
    • By ch4rly2002 7th Sep 17, 12:38 PM
    • 238 Posts
    • 1,014 Thanks
    ch4rly2002
    Sounds like you've had a productive couple of days. I'm glad work seems to be picking up a bit, long may it continue!

    I'll have to try Shopm!um. I downloaded the app but haven't done much with it. It does sound much better than £co and TCB.

    Some more good wins, you seem to be on a lucky streak

    Glad you've cracked the cat medication issue too!
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £11,200
    Mortgage: Dec 2014 -£216,000 / Current -£195,420
    BTL Mortgage: Dec 2014 -£136,000/ Current -£124,790
    CC 0%: Nov 2016 -£4,500 / Current -£3,506.43
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£31,565.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • Karmacat
    • By Karmacat 8th Sep 17, 9:12 AM
    • 28,042 Posts
    • 154,145 Thanks
    Karmacat
    Apples! There are so many apple trees round here ... that'll be a good thing to do for the weekend.

    Hope the beetroot curry was good - and that you have a lovely weekend away
    Retired August 2016
    • themadvix
    • By themadvix 8th Sep 17, 12:07 PM
    • 1,117 Posts
    • 6,417 Thanks
    themadvix
    Thanks KC. No beetroot curry in the end as neither of us could be bothered. Made a stir fry instead, with what we'd got in, so just as cheap.

    DH off today, so we're doing finishingy bits on kitchen and he's battling the weather to get my car back in one piece.

    MS things:
    * £4 computer monitor reward
    * 12p £co cashback paid can't withdraw until it's £1 and I've given up hope of that with £co
    * Work done
    * VB, SB, MS rewards done

    Gratitudes:
    * Such a committed husband, working on the car in the rain (although apparently he's taking it more apart, not putting it back together!)
    * Visit from Sis and niece expected at some point
    * Back to brownies tonight

    Have a good weekend 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 14th Sep 17, 8:07 AM
    • 1,117 Posts
    • 6,417 Thanks
    themadvix
    Hi all!

    Back from a lovely long weekend away yesterday and have been catching up since! We had a lovely time away, despite it being rather cold and windy (we were in a tent!) - I'm reading the digests about 'you lot' putting on the woodburners etc. and there I am living outdoors. Fortunately, although we had some showers, it wasn't too wet - wet camping is the worst, I think. I'm not sure what total spends were, but no more than £150 (and I think probably less than this). We had a gift card for the NT, so we went to one of their properties for lunch one day, we cooked dinner one night and breakfast every day and only had one 'proper' meal out, so it wasn't too bad. I feel really rested and happier to accept that summer is over now I've actually had a break (our holiday in May was so long ago, and before the kitchen!).

    I came back to proper work - hooray! I did quite a bit yesterday, but have enough to continue with today and my main client has said that the work for one of our main projects will start arriving this week, so the drought should be over

    DH was off yesterday and continued to work on my car... unfortunately it didn't go too well, so I don't have a car still. Not a problem today, but we'll have to work out how he's getting to work tomorrow as I'll need the car for brownies (his lift share might be able to help, otherwise one of us will be getting the bus/train).

    My mum, sis and niece popped round for a cuppa yesterday afternoon and then not long after that MIL, FIL, BIL and his GF arrived - they were going to view a house for BIL and GF nearby. They invited us out for dinner and even better, MIL paid and wouldn't accept any money.

    MS things:
    * Free dinner out
    * Using NT gift card for free lunch and cake
    * Lots of free exercise while away - average 15000 steps each day
    * Use of NT membership for free parking while away
    * Have used Shopm!ium to collect free Shloer - now have 3 non-alcoholic bottles put away (need DH to claim his bottlegreen!)
    * Comps entered
    * 2 x 50p YG surveys
    * Saved fuel by skipping a meeting I intended to go to last night for dinner instead??! (I didn't have to go, and by the sound of it what I was going to discuss wasn't mentioned anyway!)
    * VB poll, SBs done
    * No heating on here (and not for another month hopefully!)

    Not so MS:
    * Beetroot still lingering in the bottom of fridge
    * Bought pizza (supermarket) on Friday night instead of cooking (but I didn't get back from Brownies until 9.30, so it was probably wise
    * Forgot to cancel veg box - went 42p overdrawn (fortunately have an overdraft for such occasions!). We needed veg, but I was planning on making do with supermarket stuff.

    Gratitudes:
    * Wonderful house martins flitting around while we were away
    * Bird life in general while we were away
    * Norfolk's amazing skies and water (fish and chips in the car at Blakeney with the sun going down)
    * The sense of peace and connection with nature camping creates
    * Unexpected meal with family yesterday
    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
    • Karmacat
    • By Karmacat 14th Sep 17, 10:46 AM
    • 28,042 Posts
    • 154,145 Thanks
    Karmacat
    What a lovely post! Crammed with mse goodness, but also crammed with the pleasures of life
    Retired August 2016
    • themadvix
    • By themadvix 15th Sep 17, 11:10 AM
    • 1,117 Posts
    • 6,417 Thanks
    themadvix
    Thanks KC, it was fairly representative of how I was feeling yesterday! I didn't sleep well last night though, so not quite so cheery today.

    DH did a bit of finishing in the kitchen (there's only a few fiddly bits to do, like attaching skirting board etc) last night, which was anything but straightforward, so we ended up eating late. However, despite my grumbling stomach, I stuck to the plan and cooked, rather than giving into the temptation of takeaway.

    If I can get all the jobs I need to get done finished, I might pop over to see my Nan later (with mum, sis, etc.).

    MS things:
    * NV surveys yesterday - three of them! At ~£20 on there now
    * YG surveys - two yesterday, one this morning - ~£41 now, aiming for £50 by Christmas.
    * 2 PA surveys yesterday, first in a while, a quick £1.55
    * Lots of SBs, as they've got a Swago thing on. Nearly halfway to another £5.
    * Huge amounts of work - it's amazing how much more productive I can be when I have lots of work to do.
    * Comps entered (all caught up from being away - it moves so fast though, it's difficult to keep up!)

    Gratitudes:
    * Little bit closer to a perfectly finished kitchen
    * Mum unexpectedly popped in for a cuppa - these unexpected guests are becoming a regular occurrence, it's lovely!
    * Homegrown tomatoes in dinner
    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 20th Sep 17, 9:19 AM
    • 1,117 Posts
    • 6,417 Thanks
    themadvix
    I can't believe it's been nearly a week since I last posted.... time flies! Lots of little jobs have been getting done/finished and we've not spent much money, so I think we're doing okay. Did have dinner out on Saturday night, but used £20 of Leisure vouchers and we were all on strict budgets so DH only had to pay £20 cash (we bought for our friend as it was her birthday).

    Work has picked up properly now, so much less time for jollies with sis and niece (sis has been at work the last two days, so I did see mum and niece briefly yesterday - mum is having her one day a week when sis goes back part-time - I think it's a shock to the system! She said to me yesterday that she thinks these women that have fertility treatment at 60 are insane!).

    MS news:
    * Lots of work
    * VB, SBs bits and pieces
    * Have kept up with mag daily comps, need to blitz the rest this evening
    * Evening class has restarted and there's 3 newbies, so some of the money paid for this term will roll over to next half term (we'd dropped below the baseline number, so it had got more expensive).
    * Have asked on freecycle for a bit of ericaceous compost for two tiny plants that need it - don't want to have to buy a whole bag!
    * Bought a slightly cheaper dry cat food, that is only very slightly less meat - hope the cats like it
    * No heating yet!

    We've invited people for a bit of an Oktoberfest shindig in a couple of weeks time - went to Aldi to check out the food last night - looks like it could be very cheap (and at the moment only two people have said they can come, so it might not be many to cook for anyway!)

    Gratitudes:
    * Motivation is high to finish bits off around the house, so it's beginning to feel very respectable!
    * Have been making an effort to get out in the garden for a bit of a tidy up each morning - today I planted up some begonias in a hanging basket (these might seem odd gratitudes, but I'm grateful for the motivation and focus)
    * Have booked a couple of our Christmas/birthday presents (birthdays are near Christmas!!) treats for a couple of weeks time - a relaxing spa day and an owl and eagle experience await!

    Must post again sooner!
    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
    • Karmacat
    • By Karmacat 20th Sep 17, 9:57 AM
    • 28,042 Posts
    • 154,145 Thanks
    Karmacat
    She said to me yesterday that she thinks these women that have fertility treatment at 60 are insane!).
    Originally posted by themadvix
    I couldn't agree more

    Gratitudes:
    * Motivation is high to finish bits off around the house, so it's beginning to feel very respectable!
    * Have been making an effort to get out in the garden for a bit of a tidy up each morning - today I planted up some begonias in a hanging basket (these might seem odd gratitudes, but I'm grateful for the motivation and focus)
    * Have booked a couple of our Christmas/birthday presents (birthdays are near Christmas!!) treats for a couple of weeks time - a relaxing spa day and an owl and eagle experience await!
    That's a great list! Environment and experiences
    Save
    Retired August 2016
    • Watty1
    • By Watty1 20th Sep 17, 11:17 AM
    • 2,863 Posts
    • 19,891 Thanks
    Watty1
    Fertility treatment at 60 ?????


    Goodness me! Is that really possible?
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • themadvix
    • By themadvix 20th Sep 17, 11:23 AM
    • 1,117 Posts
    • 6,417 Thanks
    themadvix
    Lol, I have no idea, but you do hear about such things in the papers (usually the delights of the Daily Mail!).... but surely these women need their heads checking! Thanks for popping in Watty - hope you're okay, will pop over for an update.

    Thanks KC, you're right of course... and as you know environment is really important when it's your workplace as well!
    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 21st Sep 17, 9:20 AM
    • 1,117 Posts
    • 6,417 Thanks
    themadvix
    Morning all!

    Popped over the road to local carpet shop yesterday and was pleased to find affordable options that meet my requirements for the spare room. I brought a couple of samples home, with the intention of getting paint on the walls and being able to decide..... Unfortunately I have a MS fail to report though - the 5 litres of magnolia paint I got on freecycle was worse than useless.... it doesn't look like I've painted the walls!! The make was 'Turner and Gray' fyi. So tonight we'll have to get some proper paint - I've definitely discovered recently that you get what you pay for when it comes to paint! Sadly don't think I have any vouchers that can help with the cost

    Off out on a bat walk tonight - via my mum's work, so free. Will probably eat something at hers afterwards too (she mentioned takeaway, but then thought about supermarket pizza - we'll steer her in that direction as takeaway will be pricey. She's being made redundant (and semi-retiring) soon, so she needs to save the pennies too). I'm really looking forward to the bat walk

    MS things:
    * Caught up on comps last night
    * Lots of SBs as it was a codes day
    * VB poll - 15p (am over payout threshold now, so aiming to get as much as possible paid next month)
    * Cats like new food It was highly unlikely they wouldn't - one hoovers all food (and plastic ) up and the other has a good appetite too (fortunately not for plastic!)
    * I won a book

    Gratitudes:
    * An evening in yesterday - have been out a lot recently
    * More work
    * Free bat walk (education, exercise and environment )
    Last edited by themadvix; 21-09-2017 at 10:17 AM.
    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
    • Watty1
    • By Watty1 21st Sep 17, 10:41 AM
    • 2,863 Posts
    • 19,891 Thanks
    Watty1
    Bat walk sounds brilliant. I saw one advertised locally and wanted to go but then couldn't .....was it interesting?
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
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