Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • themadvix
    • By themadvix 10th Mar 12, 9:51 AM
    • 1,149Posts
    • 6,712Thanks
    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 35
    • themadvix
    • By themadvix 11th Oct 17, 12:30 PM
    • 1,149 Posts
    • 6,712 Thanks
    themadvix
    Thanks KC - I'm rather impressed too! And while I'd like to be paying it off, my student loan bill is reduced because I get relief on that too when I'm paying into pension. Apart from not being able to access it until 55 (or the govt say I can), pensions seem to be a winner all round.

    Not a lot to report today, but want to get back into swing of posting daily - it helps, definitely.

    MS things:
    * Have listed something that was already on ebay on FB as it's a collection only item.
    * Clearing small bedroom has begun, but there seems to be a pile of things needing selling/things already listed that aren't shifting/things I need to sell on behalf of Brownies/raffle prizes for Brownies!
    * 2 surveys on VB for £7.50 (total) - back up to £8.60 already
    * Lots of work coming in and getting done
    * Comps etc.
    * No heating - wheat sheep and alpaca socks today!

    Gratitudes:
    * Sis and niece popping round shortly for a cuppa (I suspect that will turn into lunch)
    * Alpaca socks (we bought these last year in Munich and they didn't get much wear as we'd already got the heating on - I find the extra warming bits get more use at this time of year as I try to keep the heating off. DH is already a convert!)
    * Loving my house at the moment
    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 11th Oct 17, 4:40 PM
    • 2,898 Posts
    • 20,101 Thanks
    Watty1
    Love a warm pair of socks....definitely money saving. Have even had the woodburner off here thanks to the tog rated socks!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • themadvix
    • By themadvix 12th Oct 17, 11:30 AM
    • 1,149 Posts
    • 6,712 Thanks
    themadvix
    Morning all!

    I slept better last night (have had three nights of very poor sleep), so am feeling bright-eyed and bushy-tailed this morning. Work has been completed (for the time being), a 200 point MM survey done and daily comps entered.

    Off for lunch with sis and niece (we're going to a street food market in the nearby town, but I suspect it will be a let down and we may end up in a cafe) and have lots of jobs to do while I'm out.

    MS things:
    * 50p YG and 50p NV surveys done
    * 200 MM survey (I had to force myself to do it as it was longer than I like, but actually interesting and about NHS budget allocations)
    * VB poll done
    * Free apples from Freecycle man stewed ready for crumble
    * Heating still off (although I have realised that it's actually not that cold, so it's not surprising!). Socks and sheep keeping me warm (he had emergency surgery yesterday as he was leaking!)
    * Voucher for free pizza from entering comp Now I have another two of these, so DH and I don't need to share next time.

    Going to Sains for a top-up shop later - will be redeeming my 1000 point voucher while I'm there, which equates to another Pizza Express meal next summer! (I'll also use the triple points voucher while I'm there).

    Gratitudes:
    * A sunny day
    * Lunch with sister
    * A chance to get out of the house
    * A good night's sleep (these last two are very important - I was miserable yesterday evening)
    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 13th Oct 17, 10:04 AM
    • 28,190 Posts
    • 155,346 Thanks
    Karmacat
    Sainsbo vouchers! I have Sainsbo vouchers I can use - thanks for the reminder. Must start using them, I have some stock up items I need to buy.
    Retired August 2016
    • earthgirl
    • By earthgirl 14th Oct 17, 9:26 PM
    • 2,481 Posts
    • 20,368 Thanks
    earthgirl
    I’ve been leaving it too long between posts for me,I e definitely been making a few different spending choices, I’m going to post more too to keep myself accountable. Hope lunch was nice.
    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 21st Oct 17, 11:34 AM
    • 1,149 Posts
    • 6,712 Thanks
    themadvix
    Whoops.... so much for posting every day! It's been an eventful week though, including a trip to A&E on Monday evening and I've spent the rest of the week doing very very little and trying to get over what I think is a fairly nasty virus (heart palpitations and all).

    I haven't done much, but also haven't spent much... Have managed some work and some comps. Missed out on going to the theatre to see the show I'd won tickets for - we were meant to go on Wednesday, but I just wasn't up to it. In-laws went instead and said it was great though.

    Am still taking things slowly and resting a lot, so will get back to proper posting soon.

    MS things:
    * Not eaten a lot!
    * Not been anywhere!
    * Comps entered when I've felt up to it
    * Work done (most of it, declined a couple of bits and my main client knows I'm not well, so isn't pushing for deadlines)

    Gratitudes:
    * I'm alive! (Honestly quite scared on Monday)
    * DH has been wonderful at looking after me
    * In-laws enjoyed the show

    Back soon!
    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 21st Oct 17, 12:24 PM
    • 475 Posts
    • 2,005 Thanks
    Jessy103
    Gosh MV!!! I hope you're all better asap! Take care of yourself! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount Oct 2017 - £61,990.00
    Overpayment Target for 2017 - £5,000 /£6746.24
    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 October - £381.61 November - £50 December - £2635.54
    • themadvix
    • By themadvix 25th Oct 17, 12:47 PM
    • 1,149 Posts
    • 6,712 Thanks
    themadvix
    Thanks Jess. Still not my usual self, but have a doctors appointment tomorrow. Am concerned that we have a busy month coming up and I can't afford to be running below par - just worried the docs won't take it seriously, but I guess I have to cross that bridge when I get to it.

    Not much happening here, although have spent some money on needed shoes and clothes - online. Also took up the T&M offer of 32 tulip bulbs for 32p (plus P&P of course, although still only 16p each).

    DH and I spent the weekend sorting paperwork and computer filing - we have an amazing program (free download) that finds duplicate files for you - so everything, including our many, many copies of photos are being streamlined! (In the process have discovered that our ancestors lived next door to each other in Southwark in 1881 - it brought 2 copies of the same census image up - with different file names... I'm not sure we'd ever have noticed otherwise!)

    MS things:
    * 75 SB survey and 50 SB SWAGO submission - nearly at 1000 now.
    * Have just claimed £9.58 in NW rewards and transferred this straight to savings pot.
    * Comps
    * Occasional other surveys... but it has been quiet (must check PA)

    Gratitudes:
    * Am feeling better, although this has plateaued
    * Friends box set binge-watching
    * Two friends had happy and healthy babies over the weekend
    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 25th Oct 17, 3:40 PM
    • 28,190 Posts
    • 155,346 Thanks
    Karmacat
    Good grief! You poor thing - I hadn't caught up till just now. Hope you're feeling a *lot* better.
    Retired August 2016
    • earthgirl
    • By earthgirl 25th Oct 17, 7:07 PM
    • 2,481 Posts
    • 20,368 Thanks
    earthgirl
    Hope you continue to recover, take care!
    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
    • Watty1
    • By Watty1 25th Oct 17, 10:37 PM
    • 2,898 Posts
    • 20,101 Thanks
    Watty1
    hope you are feeling better. Love the story of your ancestors living next door to each other....how amazing.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • themadvix
    • By themadvix 26th Oct 17, 10:00 AM
    • 1,149 Posts
    • 6,712 Thanks
    themadvix
    Thanks folks. I am feeling a lot better this morning (typical as I could do with the docs realising how unwell I've been!). Fingers crossed this continues though.

    DH went into London last night for his birthday present from me *last* year - a night photography course. The photos look great! I didn't fancy going to sit on my own in a coffee shop for a couple of hours, so I stayed at home and Dad took me out for dinner

    If I continue to feel okay after doctors' appt (and I'm caught up on work) I intend to do some out and about jobs, including some volunteering stuff. I've found myself becoming increasingly involved in supporting the District Commissioner where I run my Brownies as she seems to get very little support from almost everyone else and she's a thoroughly nice person without an agenda (which everyone else seems to have!). Maybe it's because I've never had a full-time 'proper' job, but I just don't get agendas and politics - why waste so much time and effort being obstructive! Sorry, rant over!

    MS things:
    * Take voucher for free yoghurt to WR
    * PA survey yesterday
    * SBs and VB poll

    Gratitudes:
    * Quality time with Dad last night (even if food was distinctly mediocre!)
    * DH enjoyed his present
    * Feeling better 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
    • Jessy103
    • By Jessy103 26th Oct 17, 11:31 AM
    • 475 Posts
    • 2,005 Thanks
    Jessy103
    I hope you feel well enough to volunteer for the brownies vix, they'll be lucky to have you! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount Oct 2017 - £61,990.00
    Overpayment Target for 2017 - £5,000 /£6746.24
    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 October - £381.61 November - £50 December - £2635.54
    • themadvix
    • By themadvix 27th Oct 17, 12:44 PM
    • 1,149 Posts
    • 6,712 Thanks
    themadvix
    Thanks Jess - I am already a leader, it's just I seem to be getting more involved in the running of our building (which I don't even meet at!).

    Had a good day yesterday - even visited my mum, who is also ill and did some shopping for her! Today am I at home, as DH needed fuel and I offered him my car. I could go out if I wanted to, but I don't want to pay for fuel!

    MS things:
    * Two loads of washing drying on the line in glorious sunshine
    * Several PA surveys done
    * SBs and VB bits done
    * Daily comps entered - need to do the rest later
    * Will be using discount code to book a pub stay for our visit oop North in December - £140 down to £105 (Lake District prices!), inc breakfast.

    Gratitudes:
    * Cup of tea and my book enjoyed on the garden bench this morning - was very restorative
    * Getting out of the house yesterday, even if it did take it out of me!
    * Nurse I saw at Drs was very understanding and has booked me in for a Drs appt next week, kept mentioning cardiology referral, so I'm glad they're taking it seriously. She did also say it could have been a virus, so fingers crossed that's the problem and it'll all go away!
    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 27th Oct 17, 3:17 PM
    • 528 Posts
    • 1,681 Thanks
    try harder
    I was just about to say what a great few weeks you have had ,house looking lovely ,more competition wins and PB wins ,great day with all your friends etc ,etc then i got to the part where you have been very poorly ,i am glad you are feeling much better than you did but you definitely do need to keep at them as it obviously worried you at the time ,hopefully it was a virus they can cause some very strange symptoms my husband woke up one morning years ago and couldnt walk ,no pain just couldnt move it lasted about a week and they put that down to a virus .Take care now.
    • themadvix
    • By themadvix 27th Oct 17, 4:01 PM
    • 1,149 Posts
    • 6,712 Thanks
    themadvix
    Thanks TH - and that sounds like a horrendous virus your husband suffered, but it's reassuring to know that they can be quite bad and then just disappear. Bodies are funny things!

    Am having a good day on PA - balance will be about £23 when it's all cleared.
    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 27th Oct 17, 6:38 PM
    • 28,190 Posts
    • 155,346 Thanks
    Karmacat
    Definitely - viruses aren't well understood yet, even though so much is known - understanding just isn't there.

    So, I know what SB is ... but what's PA? And VB?

    I'd better get going on my new phone ....
    Retired August 2016
    • themadvix
    • By themadvix 27th Oct 17, 6:53 PM
    • 1,149 Posts
    • 6,712 Thanks
    themadvix
    PA = Prolific Academic (usually just prolific, but for abbreviation's sake!) and VB = Viewsbank - pennies for daily poll but the surveys can pay well and sometimes you can do mystery shops or dead letter drop type things (no effort, but they pay a £5).
    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 27th Oct 17, 7:18 PM
    • 28,190 Posts
    • 155,346 Thanks
    Karmacat
    Thanks madvix! My days of doing mystery shopping are over, but anything I can do from my laptop, or my new phone, I'm in
    Retired August 2016
    • Busy Mee1
    • By Busy Mee1 30th Oct 17, 12:14 PM
    • 440 Posts
    • 1,734 Thanks
    Busy Mee1
    Hi Madvix, just catching up on a few diaries. Sorry to hear you have been so ill and hope you are back on the mend now x
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

212Posts Today

1,251Users online

Martin's Twitter