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  • FIRST POST
    • muddywhitechicken
    • By muddywhitechicken 12th Oct 12, 10:29 PM
    • 3,543Posts
    • 32,667Thanks
    muddywhitechicken
    Making chicken feed of my mortgage
    • #1
    • 12th Oct 12, 10:29 PM
    Making chicken feed of my mortgage 12th Oct 12 at 10:29 PM
    Hello

    After reading lots of inspirational MFW diaries I have decided to start one of my own as a record of my progress and to keep me motivated.

    When we relocated to our current house 4.5 years ago we gained a bedroom but more than doubled our mortgage
    Luckily Mr MWC had a very generous 4-year relocation package and even luckier it was paid out in full when he was made redundant 6 months later…

    A little about the mortgage…

    July 2002

    Original mortgage (interest only)
    4.49% fixed rate
    Redemption date = July 2027
    £90,250

    April 2008

    Further advance (repayment)
    5.62% fixed rate
    Redemption date = April 2028
    £106,190

    October 2012

    Original mortgage (interest only)
    2.50% BMR
    Redemption date = April 2028
    £88,660

    Further advance (repayment)
    2.50% BMR
    Redemption date = August 2026
    £79,832

    We have been paying £134/month into a S&S ISA for the past 10 years to pay off the capital on the interest only mortgage - fingers crossed. Note to self: check performance of S&S ISA.

    We made our first OP of £2,750 to the FA last November and this year we have OP’d the equivalent of paying the FA twice a month, every month

    A little about me…

    41 years old
    0 children
    7 chickens
    Work FT in a job that bores me to tears but pays well and allows me to finish at lunchtime on Fridays

    A little about Mr MWC…

    Happy to OP as long it doesn’t affect our lifestyle
    Recent convert to topcashback

    Today I have…

    Sold 2 boxes of eggs @ £1.25/box
    Shined my sink (after scrubbing it and bleaching it first)
    Made sausage, barley & kale stew for dinner
    Been unable to locate a dividend cheque for £265 that came in the post last week…

    muddywhitechicken
Page 278
    • Karmacat
    • By Karmacat 14th Oct 16, 9:22 AM
    • 26,543 Posts
    • 140,125 Thanks
    Karmacat
    Wow! Timing couldn't have been better then. I'm really pleased for you
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 14th Oct 16, 6:22 PM
    • 3,669 Posts
    • 34,115 Thanks
    Secret Saving Squirrel
    Phew! Well done x
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • muddywhitechicken
    • By muddywhitechicken 15th Oct 16, 8:46 PM
    • 3,543 Posts
    • 32,667 Thanks
    muddywhitechicken
    Busy, busy, busy!

    * walked into town first thing - grocery shopping & library
    * popped into fat club for the first time in ages - gained 3 lbs but still within goal weight +/- 5 lbs
    * 6 hours gardening
    * made a bean & vegetable cottage pie from scratch I used a 10 bean mix rather than all black beans and cooked a couple of cloves of garlic in with the potatoes and cauliflower - delicious

    I've just spoken with Mr MWC : - he's in San Francisco on a 10-day business trip. He was particularly impressed that I've been cooking proper meals in his absence

    In financial news this week:

    * received a dividend payment from shares in Mr MWC's previous previous previous employer
    * up to £31.30 on OP
    * £6.68 TT
    * sold 4 boxes of eggs for £6
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£54,000
    Current total overpayments: £104,225
    • gallygirl
    • By gallygirl 15th Oct 16, 9:11 PM
    • 16,035 Posts
    • 105,216 Thanks
    gallygirl

    I've just spoken with Mr MWC : - he's in San Francisco on a 10-day business trip. He was particularly impressed that I've been cooking proper meals in his absence
    Originally posted by muddywhitechicken
    Is he still there next Weds? We could say hello 😀.

    Great stuff on the shares!
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • muddywhitechicken
    • By muddywhitechicken 15th Oct 16, 9:16 PM
    • 3,543 Posts
    • 32,667 Thanks
    muddywhitechicken
    GG

    He leaves SF on the 19th, arrives back in the UK on the 20th.

    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£54,000
    Current total overpayments: £104,225
    • muddywhitechicken
    • By muddywhitechicken 16th Oct 16, 5:52 AM
    • 3,543 Posts
    • 32,667 Thanks
    muddywhitechicken
    Oops I forgot to tell you about the cookery class...

    It was fun but I didn't learn as much as I thought I would, the menu changed and the vegetarian alternative to the chicken dish was lame (tinned chickens marinated in yogurt & harissa and then roasted)

    We didn't make the dish I was looking forward to most (roast sweet potato with figs, feta & dill ) and I thought I'd learn how to cook couscous properly but she poured boiling water on it and left it to soak

    The butternut squash tahini dip was delicious though and I've learnt how to make flat breads

    Very similar dip recipe here - roast the squash, blend with oil, cinnamon, tahini, yogurt & garlic, serve drizzled with date syrup (or pomegranate molasses) and sprinkled with sesame seeds and coriander.





    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£54,000
    Current total overpayments: £104,225
    • Greying Pilgrim
    • By Greying Pilgrim 16th Oct 16, 9:32 AM
    • 3,098 Posts
    • 33,547 Thanks
    Greying Pilgrim
    Morning MWC

    I'm sorry, but marinated chickpeas is not a veggie alternative, it is a side-dish - grrrrr Was the chicken really tasty/different? It looks very succulent - is that the cooking juices - or is something drizzled over? Looks like honey?

    Thank you for including the BNS dip recipe. One to stash away

    And I thought, much as in the way that the Japanese have raised tea making to an art form, there was a whole procedure to preparing cous cous, including rubbing in oil to make every grain separate. Not that I do it myself mind, I just pour hot water on and leave it........

    I hope you had fun at the course - and the groaning dinner table looks fab!

    Greying X
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • misscousinitt
    • By misscousinitt 17th Oct 16, 1:21 PM
    • 3,364 Posts
    • 18,958 Thanks
    misscousinitt
    Sorry the cookery course wasn't quite what you expected.

    All looks delicious though.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £99,090.90 (08.11.2016)
    OP's to Date £2000

    Renovation Fund:£944.75; Kitchen Fund (including re-wiring): £notalotleft; Roof Fund £5000.00
    Nectar Points Balance: £35.49
    • muddywhitechicken
    • By muddywhitechicken 21st Oct 16, 9:16 PM
    • 3,543 Posts
    • 32,667 Thanks
    muddywhitechicken
    Mr MWC is home

    I lost 5 lbs whilst he was away

    A busy weekend ahead - errands, housework & gardening tomorrow, NFL on Sunday

    This week I've/we've eaten cavolo nero, mixed salad leaves and sage from the garden. The cavolo nero and sage were used in a keeper of a recipe: Orecchiette with Roasted Butternut Squash, Kale, and Caramelized Red Onion (without the cream to make it more diet-friendly).

    In financial news, Mr MWC has claimed £215 from TCB (and he still has ~£200 pending) and I sold 5 boxes of eggs for £8.50.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£54,000
    Current total overpayments: £104,225
    • muddywhitechicken
    • By muddywhitechicken 22nd Oct 16, 9:53 PM
    • 3,543 Posts
    • 32,667 Thanks
    muddywhitechicken
    I've been on the go all day!

    - gym
    - walked into town - chub club (-1 lb), library, food shopping
    - gardening - moved lots of bark, planted broad bean seeds and garlic, picked the last of the raspberries (20) and chopped back the canes, picked salad leaves and sprinkled weed & feed on the lawn
    - cleaned the chicken coop
    - stewed fruit (including apple, pear & rhubarb from the garden) for my breakfasts this week and prepared & cooked a roast root veg frittata for dinner as Mr MWC had dozed off!
    - lots of washing up
    - brisk 2.5 mile walk after dinner

    Eggs IN 3
    Eggs OUT 6
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£54,000
    Current total overpayments: £104,225
    • misscousinitt
    • By misscousinitt 24th Oct 16, 3:56 PM
    • 3,364 Posts
    • 18,958 Thanks
    misscousinitt
    Go you!!!

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £99,090.90 (08.11.2016)
    OP's to Date £2000

    Renovation Fund:£944.75; Kitchen Fund (including re-wiring): £notalotleft; Roof Fund £5000.00
    Nectar Points Balance: £35.49
    • muddywhitechicken
    • By muddywhitechicken 24th Oct 16, 4:32 PM
    • 3,543 Posts
    • 32,667 Thanks
    muddywhitechicken
    Thanks MCI - it felt like a much lazier day yesterday although I still did 20,000 steps!

    Today I've

    - finally () made contact with a solicitor about making a will
    - renewed our joint breakdown cover after negotiating a £60 discount (40%) and 15 months cover instead of 12 months
    - successfully asked Morrisons to credit my loyalty account with 5,000 missing points (£5)

    Mr MWC is at the airport again - Switzerland this week
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£54,000
    Current total overpayments: £104,225
    • muddywhitechicken
    • By muddywhitechicken 4th Nov 16, 10:17 PM
    • 3,543 Posts
    • 32,667 Thanks
    muddywhitechicken
    I didn't realise that I'd been AWOL for quite so long

    You haven't missed much as it's a bit dull here in MWC-land I'm waiting for my niece/nephew to be born and Mr MWC was in the Netherlands this week.

    In financial news:

    - received £30 JL GV from CC
    - received 4 x £8 off a £40 spend coupons for Waitrose
    - £450 OP'd to mortgage
    - up to £38.50 on OP
    - 3 boxes of eggs sold for £4.50

    We're new kitchen shopping this weekend
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£54,000
    Current total overpayments: £104,225
    • misscousinitt
    • By misscousinitt 7th Nov 16, 12:45 PM
    • 3,364 Posts
    • 18,958 Thanks
    misscousinitt
    Exciting about the kitchen shopping.

    Hope you find something you like.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £99,090.90 (08.11.2016)
    OP's to Date £2000

    Renovation Fund:£944.75; Kitchen Fund (including re-wiring): £notalotleft; Roof Fund £5000.00
    Nectar Points Balance: £35.49
    • muddywhitechicken
    • By muddywhitechicken 7th Nov 16, 7:09 PM
    • 3,543 Posts
    • 32,667 Thanks
    muddywhitechicken
    Exciting about the kitchen shopping.

    Hope you find something you like.

    MCI
    Originally posted by misscousinitt
    It's overwhelming MCI

    I'm struggling to visualise something different, Mr MWC wants a hand built kitchen from a local company...!
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£54,000
    Current total overpayments: £104,225
    • greent
    • By greent 7th Nov 16, 8:17 PM
    • 5,193 Posts
    • 52,301 Thanks
    greent
    It's overwhelming MCI

    I'm struggling to visualise something different, Mr MWC wants a hand built kitchen from a local company...!
    Originally posted by muddywhitechicken

    I'm with Mr MWC... (we have lots of bespoke kitchen companiess around here - all the Cotswold Country set must attract them) Our last one was bespoke handmade maple and a bargain (imo, perhaps! )
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £775.06/£500
    Dec grocery spends £0/ £480 NSDs 2/12
    • muddywhitechicken
    • By muddywhitechicken 7th Nov 16, 9:44 PM
    • 3,543 Posts
    • 32,667 Thanks
    muddywhitechicken
    I'm not completely against the idea (and it probably won't be much more expensive than the JL of Hungerford kitchens that I like!)

    Decided
    Painted cabinets
    Wooden worksurface
    Boiling water tap

    Undecided
    Colour
    Style
    Internal storage
    Range cooker v built-in double oven

    Aaaaargh

    Up to £39.95 on OP

    Mr MWC is in the UK this week (although away from home for 2 nights)

    Eggs IN 5
    Eggs OUT 1 (Mr MWC dropped it )
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£54,000
    Current total overpayments: £104,225
    • gallygirl
    • By gallygirl 7th Nov 16, 10:51 PM
    • 16,035 Posts
    • 105,216 Thanks
    gallygirl
    Boiling water tap
    Originally posted by muddywhitechicken
    Before you decide on the make try to hear some working - some are quite noisy I think?
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • misscousinitt
    • By misscousinitt 8th Nov 16, 11:48 AM
    • 3,364 Posts
    • 18,958 Thanks
    misscousinitt
    It certainly is overwhelming - I had that problem and choosing tiles was the worst!

    To be fair, I can usually visualise how things are going to look, but had no real idea with the kitchen - I am so glad it's turned out how it has - really happy.

    Good luck with your decisions - I found it's best not to dwell on them too long - go with your instinct.

    MCI x
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £99,090.90 (08.11.2016)
    OP's to Date £2000

    Renovation Fund:£944.75; Kitchen Fund (including re-wiring): £notalotleft; Roof Fund £5000.00
    Nectar Points Balance: £35.49
    • muddywhitechicken
    • By muddywhitechicken 8th Nov 16, 10:23 PM
    • 3,543 Posts
    • 32,667 Thanks
    muddywhitechicken
    I must be having a midlife crisis... I'm seriously thinking about signing up for Oxfam's Trailwalker... 100 km across the South Downs in under 30 hours

    Still at £39.95 on OP

    Eggs IN 5
    Eggs OUT 14 (2 boxes sold for £3, 2 hard-boiled for dinner)
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£54,000
    Current total overpayments: £104,225
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