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  • FIRST POST
    • muddywhitechicken
    • By muddywhitechicken 12th Oct 12, 10:29 PM
    • 3,851Posts
    • 35,095Thanks
    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 305
    • muddywhitechicken
    • By muddywhitechicken 8th Jan 18, 7:56 PM
    • 3,851 Posts
    • 35,095 Thanks
    muddywhitechicken
    Will you be fit to travel? Hope so x
    Originally posted by apple muncher
    I should be! 10-day course of antibiotics finishes the day before I fly.

    I spent a small fortune on prescription/OTC meds/tissues etc today (not including it in my grocery challenge figures) but I'm not using petrol to get to work so about even overall.

    And looking on the bright side, I've lost 3lbs since 1 January
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£39,500
    Current total overpayments: ~£118,750
    • greent
    • By greent 8th Jan 18, 8:37 PM
    • 6,653 Posts
    • 67,703 Thanks
    greent
    And looking on the bright side, I've lost 3lbs since 1 January
    Originally posted by muddywhitechicken
    I think that's called finding the silver lining in the cloud! Not a nice way to go about it though

    Hope you feel better soon xx
    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) £0/£4000
    Net sales 2018 £17.38/£1000 PAYDOX18 £0/£30k ?? Decluttered 136/2018 items
    • muddywhitechicken
    • By muddywhitechicken 9th Jan 18, 9:47 AM
    • 3,851 Posts
    • 35,095 Thanks
    muddywhitechicken
    All the days are merging into one now... it would be good if I could achieve the following today:

    - take down the Christmas decorations
    - empty the bins/sort recycling although that will meaning getting dressed...
    - some basic housework
    - book some fun stuff for the coming months
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£39,500
    Current total overpayments: ~£118,750
    • muddywhitechicken
    • By muddywhitechicken 9th Jan 18, 8:51 PM
    • 3,851 Posts
    • 35,095 Thanks
    muddywhitechicken
    All the days are merging into one now... it would be good if I could achieve the following today:

    - take down the Christmas decorations I made a start
    - empty the bins/sort recycling although that will meaning getting dressed... Delegated to Mr MWC
    - some basic housework None
    - book some fun stuff for the coming months Nothing booked
    Originally posted by muddywhitechicken
    Hmmm that list was a bit ambitious...!
    Instead, I went back to bed and slept all afternoon
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£39,500
    Current total overpayments: ~£118,750
    • muddywhitechicken
    • By muddywhitechicken 10th Jan 18, 10:21 AM
    • 3,851 Posts
    • 35,095 Thanks
    muddywhitechicken
    It no longer feels like I'm swallowing razor blades - I'm on the mend

    Simpler goals for today:

    - wash
    - dress
    - fend for myself (Mr MWC away on business until Friday evening)
    - shine sink
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£39,500
    Current total overpayments: ~£118,750
    • edinburgher
    • By edinburgher 10th Jan 18, 10:23 AM
    • 10,804 Posts
    • 56,988 Thanks
    edinburgher
    Glad to hear you're on the mend MWC. Maybe add a stretch goal of 'nap' if you're feeling ambitious
    • apple muncher
    • By apple muncher 10th Jan 18, 7:23 PM
    • 6,781 Posts
    • 50,452 Thanks
    apple muncher
    Don't bother with the sink. It too will have to fend for itself.
    NST January #1; NSD 11/18; Ex 14/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • pinkypig
    • By pinkypig 10th Jan 18, 9:08 PM
    • 869 Posts
    • 7,518 Thanks
    pinkypig
    That's exactly how I feel PP!!!

    Day 10 today and no improvement I've now been prescribed antibiotics for the sore throat and antibiotic eye drops for the conjunctivitis so hopefully I'll start to feel better soon *fingers crossed*
    Originally posted by muddywhitechicken
    Poor you I didn't get conjunctivitis but I did get the Brucie bonus of UTI

    Glad you're feeling a bit better xx
    • muddywhitechicken
    • By muddywhitechicken 10th Jan 18, 9:40 PM
    • 3,851 Posts
    • 35,095 Thanks
    muddywhitechicken
    Simpler goals for today:

    - wash Done!
    - dress I put my best lounging pyjamas on - does that count?!
    - fend for myself (Mr MWC away on business until Friday evening) Made a vegetable/lentil/chickpea harira in the SC - I should have blitzed it though as I kept choking on the lumps
    - shine sink Not done - Apple said I didn't have to!
    Originally posted by muddywhitechicken
    I did manage a couple of loads of laundry and I must be feeling a bit better as I've meal planned and written a shopping list for next week

    Poor you I didn't get conjunctivitis but I did get the Brucie bonus of UTI
    Originally posted by pinkypig
    You win
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£39,500
    Current total overpayments: ~£118,750
    • muddywhitechicken
    • By muddywhitechicken 11th Jan 18, 7:36 PM
    • 3,851 Posts
    • 35,095 Thanks
    muddywhitechicken
    It's share dividend day ~£300 transferred to the MOP pot

    Mr MWC is having 3 telephone interviews this evening for a promotion *fingers crossed*

    LO harira for dinner - the bits didn't get stuck today, so my throat must be less swollen
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£39,500
    Current total overpayments: ~£118,750
    • apple muncher
    • By apple muncher 11th Jan 18, 8:08 PM
    • 6,781 Posts
    • 50,452 Thanks
    apple muncher
    Glad you are improving.

    Good luck to Mr MWC.

    Keep away from the sink...
    NST January #1; NSD 11/18; Ex 14/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • muddywhitechicken
    • By muddywhitechicken 11th Jan 18, 8:43 PM
    • 3,851 Posts
    • 35,095 Thanks
    muddywhitechicken
    Keep away from the sink...
    Originally posted by apple muncher
    a teeny tiny urge to do some housework was quickly quashed by a much bigger urge to do absolutely nothing
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£39,500
    Current total overpayments: ~£118,750
    • apple muncher
    • By apple muncher 11th Jan 18, 9:03 PM
    • 6,781 Posts
    • 50,452 Thanks
    apple muncher
    a teeny tiny urge to do some housework was quickly quashed by a much bigger urge to do absolutely nothing
    Originally posted by muddywhitechicken
    Good girl . Now go and sit down in case you get any more of those pesky urges...
    NST January #1; NSD 11/18; Ex 14/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • pinkypig
    • By pinkypig 11th Jan 18, 9:22 PM
    • 869 Posts
    • 7,518 Thanks
    pinkypig
    I did manage a couple of loads of laundry and I must be feeling a bit better as I've meal planned and written a shopping list for next week



    You win
    Originally posted by muddywhitechicken

    • muddywhitechicken
    • By muddywhitechicken 13th Jan 18, 3:37 PM
    • 3,851 Posts
    • 35,095 Thanks
    muddywhitechicken
    Still coughy and achy and tired and fed up I'm a terrible patient!

    £25.35 spent on groceries for the coming week and then we're both away the following week. Mr MWC was mortified when I paid with loose change (£12.27) in Lid!

    Grocery challenge = £24.53 £49.88/£315
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£39,500
    Current total overpayments: ~£118,750
    • muddywhitechicken
    • By muddywhitechicken 14th Jan 18, 10:06 AM
    • 3,851 Posts
    • 35,095 Thanks
    muddywhitechicken
    Back to work tomorrow - it's going to be a struggle after 25 days off

    Today I need to:

    - clean bathroom (essential as we have guests today )
    - declutter dining room
    - pick salad leaves
    - clean chicken coop
    - pop to M&S (to return items bought at full price the day before they sent me a 20% discount code and collect the same items (and a couple of things for Mr MWC) bought at 20% off!)

    Venison sausages with roast vegetables for dinner yesterday using YS sausages from the freezer and using up vegetables including the last of the potatoes and parsnips bought before Christmas. Green vegetables mac 'n' cheese planned for lunch today to use up some cheese leftover from Christmas and squash, sweet potato, leek & ginger soup for dinner.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£39,500
    Current total overpayments: ~£118,750
    • CathT
    • By CathT 14th Jan 18, 1:56 PM
    • 5,424 Posts
    • 37,589 Thanks
    CathT
    Hope you're recovered now, might take a while to feel 100% after being poorly for so long, take it easy at work.
    Jan 2018 -
    part 1 - £79,207
    part 2 - £45,863
    Total - £125,070
    • apple muncher
    • By apple muncher 14th Jan 18, 2:25 PM
    • 6,781 Posts
    • 50,452 Thanks
    apple muncher
    I'll be on the bus, so won't get in your way on the way to work tomorrow...

    As Cath said - take it gently. You have been reet poorly and need to give yourself some TLC.
    NST January #1; NSD 11/18; Ex 14/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • muddywhitechicken
    • By muddywhitechicken 14th Jan 18, 6:00 PM
    • 3,851 Posts
    • 35,095 Thanks
    muddywhitechicken
    Today I need to:

    - clean bathroom (essential as we have guests today ) - had just finished doing it when they arrived 15 minutes early
    - declutter dining room - delegated to Mr MWC
    - pick salad leaves - done, currently @ £1.38 bag
    - clean chicken coop - done
    - pop to M&S (to return items bought at full price the day before they sent me a 20% discount code and collect the same items (and a couple of things for Mr MWC) bought at 20% off!) - done
    Originally posted by muddywhitechicken
    I fully intend to take it easy at work - I'm on the holiday countdown now

    I'm annoyed with myself as I got in a muddle with Mr MWC's travels dates I was trying to coordinate our return flights so that we could travel home from the airport together but I've just realised that I'm arriving the day before him i.e. I'm coming home one day earlier than I need to
    Last edited by muddywhitechicken; 14-01-2018 at 6:09 PM.
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£39,500
    Current total overpayments: ~£118,750
    • muddywhitechicken
    • By muddywhitechicken 15th Jan 18, 8:17 PM
    • 3,851 Posts
    • 35,095 Thanks
    muddywhitechicken
    I've survived my first day back at work - just, I have a stonking headache now. I look rough so nobody doubted that I've been ill!

    I've done a few surveys and claimed a free jar of Mr MWC's favourite rose harissa RRP £4.35

    A handful of sprouts (last of the pre-Christmas veg) were shredded and added to a winter coleslaw that was served with LO venison sausages and beetroot from Saturday. I've got the munchies now though and I'm desperately trying not to eat Mr MWC's chocolate...
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£39,500
    Current total overpayments: ~£118,750
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