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  • FIRST POST
    • muddywhitechicken
    • By muddywhitechicken 12th Oct 12, 10:29 PM
    • 3,878Posts
    • 35,680Thanks
    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 301
    • VintageHistorian
    • By VintageHistorian 20th Nov 17, 10:24 PM
    • 290 Posts
    • 1,989 Thanks
    VintageHistorian
    I sympathise with your bad journeys MWC, I've had some dreadful ones recently and my commute is long enough as it is I work in central Cambridge so it's only going to get worse as Christmas approaches. I look forward to half terms and holidays when it all eases up!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - £64.29 | Lose 1 stone - 0/14lbs |
    • muddywhitechicken
    • By muddywhitechicken 21st Nov 17, 8:52 AM
    • 3,878 Posts
    • 35,680 Thanks
    muddywhitechicken
    10 minutes late this morning

    25 miles at an average speed of 27 mph; however, 12 miles of that was on the dual carriageway at 70+ mph and the rest was at snail's pace

    I don't envy you trying to get into central Cambridge VH - the outskirts is bad enough...
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£38,500
    Current total overpayments: ~£119,750
    • edinburgher
    • By edinburgher 21st Nov 17, 1:49 PM
    • 10,884 Posts
    • 58,064 Thanks
    edinburgher
    When I went to pick up our new car (rush hour Glasgow), it took me 25 minutes to travel the 1.2 miles to the motorway
    • muddywhitechicken
    • By muddywhitechicken 21st Nov 17, 8:59 PM
    • 3,878 Posts
    • 35,680 Thanks
    muddywhitechicken
    Running on empty this evening

    1. Go to the gym a minimum of 20 times before 10 December.
    Yes [13/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    21/23 WW points - took advantage of pulses being point-free now and had a double portion of dhal! [23/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes [22/32]
    4. Drink 1.5 L water/day (including weekends).
    Yes, 1.75 L [22/32]
    5. No late nights in November.
    Planning to be in bed by 9.30 pm [23/32]
    6. No watching rubbish made-for-TV Christmas movies when I'm home alone midweek (I have identified this as a trigger for binge eating ). Go for a walk instead!
    No TV [23/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    No, see earlier post (although I've not been officially late this week and, as I'm having to work all day Friday this week, I'll have worked 37.5+ hours) [13/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    One of the photographed recipes - split pea & cauliflower dhal with stir-fried sprouts [17/32]
    9. No unnecessary spending!
    A NSD. I nearly ordered some personalised Christmas party invitations but I gave myself a talking to, found a template online and made my own [15/32]
    Last edited by muddywhitechicken; 22-11-2017 at 8:37 AM.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£38,500
    Current total overpayments: ~£119,750
    • greent
    • By greent 22nd Nov 17, 9:09 PM
    • 6,675 Posts
    • 68,728 Thanks
    greent
    No clashes

    Plans for December include a weekend in Cheltenham, hosting a Christmas party for our lovely neighbours (5 households) and a couple of local gastropub meals with friends

    We hadn't thought about a fancy meal in London... until you mentioned it Greying! We're now booked for lunch at a new-to-us Michelin-starred restaurant in Mayfair on 29 December

    Presents wrapped - wooden toys from his list and, even though my brother said no more clothes, I couldn't resist this & these when we were in Philly.



    I hadn't really thought about hampers
    Originally posted by muddywhitechicken
    Ooh - Cheltenham is just up the road from here


    Those clothes for your nephew are funky! - love them - especially the hooded cardigan/ jacket!
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 £991.65/£18654.16 Decluttered 225/2018 items
    • muddywhitechicken
    • By muddywhitechicken 22nd Nov 17, 9:14 PM
    • 3,878 Posts
    • 35,680 Thanks
    muddywhitechicken
    So it looks like 2017 is going to end like it started... another relative died today, that's the fifth this year and I don't come from a large family

    1. Go to the gym a minimum of 20 times before 10 December.
    No [13/20]
    2. Follow the WW plan properly in November and at least 5x/week in December.
    21/23 WW points [24/32]
    3. Reduce caffeine intake - maximum 1 coffee/day.
    Yes [23/32]
    4. Drink 1.5 L water/day (including weekends).
    Yes, 1.5 L [23/32]
    5. No late nights in November.
    Planning to be in bed by 10.00 pm [24/32]
    6. No watching rubbish made-for-TV Christmas movies when I'm home alone midweek (I have identified this as a trigger for binge eating ). Go for a walk instead!
    No TV [24/32]
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    No, late again... [13/24]
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    LOs from yesterday [18/32]
    9. No unnecessary spending!
    Quick trip to Lidl after work to pick up Christmas pudding ingredients. A box of extremely chocolatey biscuits also found there way into my basket... [15/32]

    Sultanas, raisins, currants, dates & prunes now soaking in brandy & cointreau for a couple of days.

    I'm off to Spain on business tomorrow, back Friday evening. I suppose I should think about what to take with me. So far, I have 75 Euros that I found in the odds & sods box and a bag of foreign coins to put in the charity donation box.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£38,500
    Current total overpayments: ~£119,750
    • muddywhitechicken
    • By muddywhitechicken 22nd Nov 17, 9:21 PM
    • 3,878 Posts
    • 35,680 Thanks
    muddywhitechicken
    Ooh - Cheltenham is just up the road from here
    Originally posted by greent
    Any advice on things to do please? We're going to a travel company discovery day on the Saturday afternoon and the Christmas market but no plans for the Sunday yet.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£38,500
    Current total overpayments: ~£119,750
    • XSpender
    • By XSpender 22nd Nov 17, 9:27 PM
    • 2,857 Posts
    • 29,524 Thanks
    XSpender
    So sorry for your loss x
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£510.80
    Target Debt Virgin (Me) Part 1 £1176.49/£652
    Target Debt Virgin (Me) Part 2 £1038/£1038

    Big black hole of debt - £53,515.15 @ 16.12.17 £53,997.55 @ 31.01.18
    • apple muncher
    • By apple muncher 23rd Nov 17, 6:58 AM
    • 6,935 Posts
    • 51,954 Thanks
    apple muncher
    MWC - so sorry it has been such a tough year. Thinking of you x
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • greent
    • By greent 23rd Nov 17, 5:46 PM
    • 6,675 Posts
    • 68,728 Thanks
    greent
    Ahh - sorry to hear of your loss, mwc xx

    Which weekend are you coming to Chelt? (PM me if you don't want the details 'outed') and I'll see if there's anything around. What sort of things do/ don't you like? And will you have a car?
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 £991.65/£18654.16 Decluttered 225/2018 items
    • muddywhitechicken
    • By muddywhitechicken 25th Nov 17, 9:15 AM
    • 3,878 Posts
    • 35,680 Thanks
    muddywhitechicken
    So sorry for your loss x
    Originally posted by XSpender
    MWC - so sorry it has been such a tough year. Thinking of you x
    Originally posted by apple muncher
    Ahh - sorry to hear of your loss, mwc xx
    Originally posted by greent
    Thank you. A paternal aunt, 2 years to the day that another of my dad's sisters died Hopefully a trip to visit his grandson tomorrow will cheer my dad up a little.

    Which weekend are you coming to Chelt? (PM me if you don't want the details 'outed') and I'll see if there's anything around. What sort of things do/ don't you like? And will you have a car?
    x
    Originally posted by greent
    It's next weekend and yes, we'll have a car. We like walking and we like eating, we don't like shopping! Although, that's not to say that we don't like walking round town centres...

    I only managed to drink plenty of water and stick to the WW plan (with the help of quite a few weekly points yesterday...) for both Thursday and Friday, none of my other goals... 3 coffees yesterday

    Mr MWC is back from a 4-day business trip to Iceland. He ate well and saw the Northern Lights but has come home with man flu and bruises from a slip on the ice. He's off to Italy for 4 days next week.

    Plans for today:

    Gym - done
    Menu plan & shopping list
    Grocery shopping
    Make Christmas puddings
    Housework
    LEAVES!!!
    Early night as up at the crack of dawn for a day trip to the IOW.
    Last edited by muddywhitechicken; 25-11-2017 at 9:29 AM.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£38,500
    Current total overpayments: ~£119,750
    • michelle09
    • By michelle09 25th Nov 17, 11:00 AM
    • 640 Posts
    • 3,306 Thanks
    michelle09
    Sorry for your loss MWC, sounds like you've had an awful year on that front.

    Hope you had a good time in Spain?
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 26th Nov 17, 9:27 AM
    • 7,622 Posts
    • 86,746 Thanks
    Tilly MFW in 6 YRS
    Morning MWC, I’m only just catching up it’s diaries. So sorry to hear about your loss. Sending a huge hug and I’m sure the Tilly hounds would be giving you a huge cuddle if we were closer.

    We can’t make the travel walk day as I fly home on the Friday night and we have decided to see my mum on the Saturday. Dad would have been 96 so we are taking mum for lunch.

    Sounds like Mr MWC will need a relaxing break over Christmas.

    Best wishes Tilly xxx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • gallygirl
    • By gallygirl 26th Nov 17, 4:35 PM
    • 16,434 Posts
    • 108,580 Thanks
    gallygirl
    Sounds like you'll both need a break over Christmas . Sorry about aunt xxxx.

    Not too much sympathy for Mr MWC as I have just written my bucket list and seeing the Northern Lights is on it . Though I've already crossed one thing off the list in the last week - I did think I'd have to go further than the end of my road to see whales in the wild but a pod decided to swim past just for me . However, they only showed their backs so I sill need to see some proper whale type things
    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 3rd Dec 17, 7:09 PM
    • 3,878 Posts
    • 35,680 Thanks
    muddywhitechicken
    Hello

    The end of November was a bit manic and some of my goals fell by the wayside...

    1. Go to the gym a minimum of 20 times before 10 December.
    17/20
    2. Follow the WW plan properly in November and at least 5x/week in December.
    32/32 resulting in a 10.5 lb loss
    3. Reduce caffeine intake - maximum 1 coffee/day.
    30/32
    4. Drink 1.5 L water/day (including weekends).
    31/32
    5. No late nights in November.
    25/32
    6. No watching rubbish made-for-TV Christmas movies when I'm home alone midweek (I have identified this as a trigger for binge eating ). Go for a walk instead!
    32/32
    7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling)
    13/24
    8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
    Completely lost count and there is still too much food in the freezer.
    9. No unnecessary spending!
    Could do better... 16/32

    My aims for December are to end the month no heavier than I started it, and to be kind to myself and others

    I've had a lovely weekend with Mr MWC

    I HFW's Much More Veg cookbook. Red cabbage & cashew biryani for dinner today - another keeper
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£38,500
    Current total overpayments: ~£119,750
    • muddywhitechicken
    • By muddywhitechicken 3rd Dec 17, 7:16 PM
    • 3,878 Posts
    • 35,680 Thanks
    muddywhitechicken
    oh, and in money-related news... my regular saver ended (£163.36 interest ) and Mr MWC transferred £3,000 to me

    Hmmm mortgage, S&S ISA or experiences?! As we've just been to a travel company discovery day, I think Mr MWC's money will be spent on a holiday
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£38,500
    Current total overpayments: ~£119,750
    • muddywhitechicken
    • By muddywhitechicken 16th Dec 17, 9:00 AM
    • 3,878 Posts
    • 35,680 Thanks
    muddywhitechicken
    hello everyone. Where have the last 2 weeks gone?!

    Mr MWC is back from his last overseas trip of the year 3 weeks at home... I need to make him a list of little jobs to do

    All presents bought and wrapped (I'm never normally this organised!)

    Halfway through December and I'm 3 lbs lighter than I was at the beginning of the month

    In money-related news:

    - I had a splurge on new Christmas decorations but they are gorgeous I'm particularly pleased with this one!!! ETA new link to highland hen bauble

    - I haven't made the OP yet but the mortgage will be <£40,000 by the end of 2017 - we'll start 2018 in the 30s

    - DD set up for £500/month to my S&S ISA. I'm also transferring £5,000 from this year's regular saver.

    - There was a cheque for £3,000 in the Christmas card from Canada
    Last edited by muddywhitechicken; 18-12-2017 at 10:48 AM.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£38,500
    Current total overpayments: ~£119,750
    • Greying Pilgrim
    • By Greying Pilgrim 16th Dec 17, 11:49 AM
    • 4,095 Posts
    • 45,561 Thanks
    Greying Pilgrim
    Hey muddy!

    Great to hear your update and news. I love that decoration too - very jolly

    Greying X
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • Fortune Smiles
    • By Fortune Smiles 16th Dec 17, 1:07 PM
    • 2,674 Posts
    • 22,166 Thanks
    Fortune Smiles
    Love that decoration

    We'll be looking into keeping chickens against next year now we have the space.

    Fortune x
    Mortgage: 3.2% paid House Deposit Contribution: 96% Emergency Fund: 58%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • muddywhitechicken
    • By muddywhitechicken 16th Dec 17, 4:47 PM
    • 3,878 Posts
    • 35,680 Thanks
    muddywhitechicken
    Mr MWC has just cashed out £325 TCB from parking and hotels for business travel
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£38,500
    Current total overpayments: ~£119,750
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