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  • FIRST POST
    • hiddenshadow
    • By hiddenshadow 15th Sep 15, 9:51 AM
    • 2,222Posts
    • 10,050Thanks
    hiddenshadow
    Mortgage free by 2021?!
    • #1
    • 15th Sep 15, 9:51 AM
    Mortgage free by 2021?! 15th Sep 15 at 9:51 AM
    DH and I bought our house Christmas 2013 and have been overpaying automatically ever since. Original mortgage of £197,100, have managed to knock out £30k since then. We're both well-employed (computer programmers), no kids, though we do have a pair of dogs and a pair of cats.

    Our mortgage fix is up in December, so we've refinanced for 5 years and managed to shave almost 2% off the interest as well. By agreeing to up our agreed payment to the amount we've been overpaying so far (£1,350 rather than £778) we'll reduce our remaining term from 23 years to 11.75.

    I was playing around with the budget this week, as we ought to be able to live off one salary and save the rest. With that number (£2,750) as a monthly payment, we should be able to pay off the loan in 6 years. Would be really nice to get that down to 5 so that we don't have to refinance again, but paying off almost 200k in 8 years is still pretty exciting.

    Current Goal - May 2017 - Balance below £105,000

    Past Goals
    * April 2017 - Balance below £110,000 (£108,597.74 April 2017)
    * March 2017 - Below £8 daily interest (£7.86 March 2017)
    * February 2017 - Balance below £115,000 (£113,932.35 February 2017)
    * February 2017 - Below £250 monthly interest (£248.27 February 2017)
    * December 2016 - Balance below £120,000 (£119,900 December 2016)
    * November 2016 - Below £9 daily interest (£8.52 November 2016)
    * October 2016 - Balance below £125,000 (£124,999.99 October 2016)
    * September 2016 - Balance below £135,000 (£132,991.85 September 2016)
    * August 2016 - Balance below £140,000 (£139,700.00 July 2016)
    * June 2016 - Balance below £145,000 (£142,927.47 June 2016)
    * April 2016 - Monthly interest below £300 (£293.59 April 2016)
    * April 2016 - Balance below £150,000 (£149,847.03 March 2016)
    * April 2016 - Below £10 daily interest (£9.99 March 2016)
    * March 2016 - Balance below £155,000 (£152,953.85 February 2016)
    * January 2016 - Balance below £159,500 (£158,711.69 January 2016)
    * December 2015 - Balance below £161,800 (£161,771.90 December 2015)
    * December 2015 - Balance at/below £164,280 (£162,636.18 November 2015)
    * December 2015 - Balance below £165,000 (£164,907.08 November 2015)
    Last edited by hiddenshadow; 13-05-2017 at 2:14 PM.
Page 52
    • hiddenshadow
    • By hiddenshadow 21st May 17, 1:55 PM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    Finally making progress on the house. Almost ready to finish the hardwood floors, which would be good - even just freshening up the paint in the staircase areas makes everything look so clean and fancy.

    Estate agent came by to take photos of our house and put it online to start generating interest. Apparently our house is quite nice (or rentals are hard to find) because within days we had 3 families wanting a viewing. 2 of those 3 ended up offering to rent , one of them even raised their offer to above the asking price. Unfortunately the other family is a better fit on paper, though we did feel bad about not choosing the first family as they have pets and we know how hard it is to rent with animals.

    Future tenants are happy with the house as a 2-bed with the extra-large lounge, so that saves us the hassle of re-instating the bedroom wall until these tenants move out and/or we sell.

    Goals

    Personal
    Move to Ireland Boxes packed 4/5
    Move to Ireland Items de-cluttered 2/5 - still need to put items on freecycle/etc
    House Finish half the hardwood flooring on stairs Progressing - plan to install next weekend
    House Get at least 2 quotes for re-instating the bedroom wall 0/2 - no longer need to do this, but should still investigate a handyman for odd jobs

    Health
    Chase up appointment with consultant A - Still checking for early cancellations, nothing yet
    Chase up appointment with consultant B - scheduled for July but will check for early cancellations (waiting on appointment date below)
    Chase up re-test for nerves - chased up with consultant B, waiting on appointment

    Financial
    Mortgage OP £2,500 £2,400/£2,500

    Career
    Pass probation officially - All done and dusted
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • lippy1923
    • By lippy1923 21st May 17, 4:11 PM
    • 1,230 Posts
    • 3,428 Thanks
    lippy1923
    Great start to renting. I know what you mean I would be swayed to the family with pets, but its what's best for you really.
    Total Mortgage OP £17,500
    House Value £250,000 Mortgage £93,703
    Emergency Fund £25,500

    • hiddenshadow
    • By hiddenshadow 21st May 17, 5:08 PM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    Thanks lippy, we were rather torn. Besides the wall, the pet family also asked for a 3-year lease (but were willing to drop down to 2). We could have done 2 years, but ultimately would rather have the option to sell in a year if that seems the best option. This family has two children, at least one of whom already attend the primary school a block away, so that should work out well for them.

    I almost forgot to mention that we almost spent our June OP this weekend. A company in my building at work is relocating and selling lots of things, including computers. We were all set to get a pair of computers for use for work in Ireland...for £1,650. The price was decent, but it occurred to me that I already have a computer for work (slightly better model, actually), and if DH needs a computer we can evaluate later this year/early next year. We'll probably be able to get a decent machine when we go to the US next year sometime. So..yay for not skipping our OP for stuff we don't really need.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • hiddenshadow
    • By hiddenshadow 29th May 17, 7:21 PM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    Hardwood floors are 99% done. Just need to install a bit more trim, but they are looking fabulous.

    Starting to plan our weekend in Ireland next month to house-hunt. Found a very strong contender for rental - it's in the area we visited/liked last time, allows pets (in fact has a dog boarding/grooming place next door, which would be handy if we go away), and is available in late July/early August (which would save us having to pay rent for all of July). Only possible downsides are 1) rent is a bit higher than we were initially looking for, but still definitely affordable (€1,200/mo) 2) they want a 2-year contract (which is only a downside if we decide we hate it there). So far it looks the best online to suit our needs, but we'll see if it's still available/attractive in 2 weeks...

    Good/bad news from DH's work...good news is he's gotten a raise and hefty bonus for 2017. Less good news was when he reminded them (again) about the Ireland move plan...his boss would like him to be in the London office 2 days a week (!). That's about twice as often as he'd planned, and four time as often as I'd planned. DH will aim to talk to his boss this week and see if a phased approach would work, as commuting that often isn't sustainable or reasonable. (I find it extra annoying as DH gave work a good 9-10 months' notice about the move and they've only sprung this requirement now, but fingers crossed they'll realise it's a silly arrangement.)

    Goals

    Personal
    Move to Ireland Boxes packed 4/5
    Move to Ireland Items de-cluttered 2/5 - still need to put items on freecycle/etc (must try and do that this week!)
    House Finish half the hardwood flooring on stairs Done-ish - just needs polishing touches
    House Get at least 2 quotes for re-instating the bedroom wall 0/2 - no longer need to do this, but should still investigate a handyman for odd jobs

    Health
    Chase up appointment with consultant A - Still checking for early cancellations, nothing yet
    Chase up appointment with consultant B - scheduled for July but will check for early cancellations (waiting on appointment date below)
    Chase up re-test for nerves - chased up with consultant B, also chased up appointment

    Financial
    Mortgage OP £2,500 £2,400/£2,500

    Career
    Pass probation officially - All done and dusted
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • hiddenshadow
    • By hiddenshadow 3rd Jun 17, 6:40 PM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    May Retrospective
    May was a pretty good month, with DH's bonus/holiday pay available for OPs. Also secured tenants for our house (pending checks), and made good progress on house DIY. All in all, quite pleased, really.

    May OPs: £2,484.92
    May Offset: £0.00

    Current (offset) balance: £104,999.99
    Month we’d be in to get to our current balance without OPs: July 2027 (+5 months)

    2017 Overpayments: £9,981.92
    2017 Offset Savings: -£853.96
    2017 Interest Saved: £6,065.09

    Total Overpayments/Offsets: £76,679.20
    Total Interest Saved: £58,633.54

    Daily Interest: £7.50 (down £0.19)
    Monthly Interest: £223.75 (down £13.42)
    May 2016 Interest: £293.59 (down £69.84)
    May 2016 Daily Interest: £9.62 (down £2.12)

    House Bricks: +4

    Mortgage reduction: £14,668/£20,000 (73%) (Average: £2,933.774/mo)

    Managed to squeak through £105k.

    Net worth increase: £41,615.10/£80,000 (52%)

    Steady progress.

    MFIT-4: £54,500.01/£90,000 (60%)

    Just broke the 60% mark.

    Goals

    Personal
    Move to Ireland Boxes packed 4/5 - didn’t quite get this done
    Move to Ireland Items de-cluttered 2/5 - still haven’t put things online
    House Finish half the hardwood flooring on stairs Done-ish - just needs polishing touches
    House Get at least 2 quotes for re-instating the bedroom wall 0/2 - still need to investigate a handyman for odd jobs

    Health
    Chase up appointment with consultant A - No early cancellations, appoint in 2 weeks now anyway
    Chase up appointment with consultant B - scheduled for July but will check for early cancellations (waiting on appointment date below)
    Chase up re-test for nerves - chased up with consultant B, also chased up appointment, still have no appointment or hint of getting one

    Financial
    Mortgage OP £2,500 2,484.92/£2,500 - made it to £104k, holding off on more OPs until we know moving plans/date/costs

    Career
    Pass probation officially - All done and dusted
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • hiddenshadow
    • By hiddenshadow 3rd Jun 17, 6:51 PM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    June Goals
    Personal
    Move to Ireland Boxes packed 0/10 - need to kick this into high gear
    Move to Ireland Items de-cluttered 0/10 - also need to get on this!
    Move to Ireland Find a house to rent??
    House Install cladding in hall
    House Finish off kitchen (backsplash, windowsill, wood trim)
    Car Arrange brake repair advised by mechanic at MOT

    Health
    Chase up re-test for nerves - figure out what is going on here and how to get a test?!
    Investigate health records - see what would be required to get health records together for Ireland move

    Financial
    Moving Get quotes for moving costs (hoping this will be <= £750)
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • cazmanian_minx
    • By cazmanian_minx 4th Jun 17, 7:59 AM
    • 4,011 Posts
    • 18,472 Thanks
    cazmanian_minx
    Good luck with the moving quotes - it depends how much you're taking, but a 1-bed flat from London to the north of Scotland was £2,500 9 years ago...
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,836.86 Amount paid off: £7,580.00 (4.22%)
    Sugar days 2017: 17/26 Debt-free: 17/02/2017
    • hiddenshadow
    • By hiddenshadow 5th Jun 17, 8:21 AM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    Thanks Caz! Ouch on that moving quote price.

    Soooo...we actually found a house in Ireland. The one mentioned above, actually - it seemed the best prospect on paper, and had a lot of interest, so we booked a day's flights yesterday to go see it. Really nice house, friendly people, very similar circumstances (moving abroad, renting out their house at home). Due to that, they're leaving almost everything behind, so we wouldn't need to worry about towels, linens, dishes, kitchen appliances, etc. which will mean we essentially just need to move our clothes, DH's large media collection, my (large?) craft collection , and the pet stuff. They're not moving until the week after we need to move out of here, but they can obviously take in the dogs quite easily and have offered to let the cats move in early into one of their bedrooms, so no worry about boarding them anywhere. We can just stay nearby in an airbnb place and be in the area to walk the dogs/learn what's around/etc.

    The only two down sides are the internet is a bit slow (manageable for us, but pretty much the slowest we could go and still function work-wise), but it's meant to be upgraded...sometime. Internet company apparently quotes 6-8 weeks but I'm hoping for more like 6 months, given my experience with ISPs. The other down side is that they want the first year's rent up-front...which we can do (though it would use up my mortgage offset savings ), and arguably may not be a down side if the value of the pound keeps going down in the next year. I wouldn't normally be too happy about that, but we can afford it and it's not like our money is doing anything interest-wise elsewhere, so it's not a huge deal.

    Before the whirlwind trip at the weekend, we also did a thorough inventory/clean of the bedrooms/closets upstairs, so packing/de-cluttering progress was made.

    Personal
    Move to Ireland Boxes packed 3/10 - packed 5 vacuum seal bags of non-essential clothes
    Move to Ireland Items de-cluttered 4/10 - also Kon Marie'd a bunch of clothes/linens and have at least 4 bags for charity (lost count of what bags are charity vs rubbish)
    Move to Ireland Find a house to rent Pending contracts
    House Install cladding in hall
    House Finish off kitchen (backsplash, windowsill, wood trim)
    Car Arrange brake repair advised by mechanic at MOT

    Health
    Chase up re-test for nerves - figure out what is going on here and how to get a test?!
    Investigate health records - see what would be required to get health records together for Ireland move

    Financial
    Moving Get quotes for moving costs (hoping this will be <= £750)
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • A Frayed Knot
    • By A Frayed Knot 5th Jun 17, 9:46 AM
    • 2,113 Posts
    • 9,530 Thanks
    A Frayed Knot
    Sounds you are totally on top of things, every way.

    Love to hear to MK'd decluttering, and your rather large collection of craft items. I also do crafty thing when I get the time, although was going through my sewing fabric/items and thought I ought to get rid as just don't have the time anymore.


    Things are really moving at fast pace for you both, now. Good Luck
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £2422.71 + Phantom o/ps 2017 -£1367.81 so far
    • hiddenshadow
    • By hiddenshadow 5th Jun 17, 4:28 PM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    Thanks AFK. It really does feel quite fast-paced, after several months of "well, at some point we'll do this move thing..."

    I think I'm more hard-core on KM than DH - I'm quite happy to ask myself "will I be sad if, in 2 years, I don't have/unpack this item?". Whereas DH approaches it much more in the "I might want to watch this again" (re: media, he's pretty good about clothes at least).

    I'm hoping to have the time/energy more in Ireland, as we won't be commuting at all, and if we have a dedicated office space I shouldn't get sucked in to working until 8pm (as I've done a few times in the last month).
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • EatingTheElephant
    • By EatingTheElephant 6th Jun 17, 6:34 AM
    • 1,104 Posts
    • 5,948 Thanks
    EatingTheElephant
    Exciting news that you have found somewhere. It must seem much more real now, good luck with decluttering.
    • hiddenshadow
    • By hiddenshadow 6th Jun 17, 7:31 AM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    Thanks ETE!

    I didn't get a chance to visit the local stables on Sunday but had already heard good things about them from people who'd done riding holidays with them, plus apparently they host a horse trial twice a year as well as run a riding school. Definitely looking forward to checking them out (though, granted, I don't know how well my body would tolerate riding right now...).

    Security deposit has been sent, and I've turned the hypothetical Irish budget (which I created last July!) into a real one. and

    Found a couple of options for dog/cat food in Ireland (which is good as P&P from am@zon was about double the cost of the food!). Landlord's happy for us to order some food to go to the house before we arrive so that it's ready and waiting for us.

    In theory we can start legwork on getting faster internet, so I'm waiting for the landlord's permission to do that. Not sure if it'll work, or how long it'll take, but it would be nice to have the option for 100-1,000Mb internet. (Between that and the projector/media screen that's in the house, I think DH would move over tomorrow. )

    I think that just leaves us with packing/de-cluttering, and buying the ferry tickets (hoping to be MSE and use vouchers for part of the cost). At least we're moving a week later than originally planned so that's one more weekend to get rid of stuff. I need to go round the house this week and note down everything we're planning to give away so I can post it all online in one go.

    Management cat is off to the vet today for teeth cleaning, so ehe's very confused/upset to not get food. Should be interesting this evening when she comes home after that non-standard of a day (she's quite used to sleeping in various favourite spots all day).
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • hiddenshadow
    • By hiddenshadow 8th Jun 17, 8:35 PM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    Security deposit received, so we can begin to coordinate things in earnest. Am starting the process to chase up faster internet, see about getting a bank account, etc. Next week DH is off for a couple of days (meant to be our house-hunting trip) so I hope he can make good progress on packing and then we can get accurate moving quotes.

    Management cat's adventure at the vet was uneventful - turns out we should have taken Stupid Cat instead. Vet tech looked at his notes and said even his teeth weren't too bad, so we'll wait until January when their boosters are due again to see how their teeth look. I have a feeling it'll be cheaper to do dentals in Ireland anyway. Booked all the pets in to get their passports for travel, so that will probably use up the funds set aside for the dental. Ah well.

    In other MSE news, booked our ferry crossing for the move. After lots of faffing about trying to figure out what ships had kennel space for the animals, and what sizes the kennels needed to be, etc, we've successfully used vouchers towards the cost of the ferry...total cost to us: £44.

    Booked the car in next week to get brake discs replaced, then it should be good to go for the move. Funds already set aside for that.

    Hoping to list everything in the house that's for sale/free this weekend, then next weekend charity can collect whatever remains. The house feels so much bigger with less stuff in it, so I hope this can continue when we move. (New house's bedrooms are a bit smaller than ours, but the living spaces are bigger, so we'll have to see how we arrange things.)

    Not much else to report...between work and house, haven't had much time to do anything else! We did meet up with friends for dinner last week, though, which was nice (even though we were all tired for various reasons).

    Goals

    Personal
    Move to Ireland Boxes packed 5/10 - packed another box
    Move to Ireland Items de-cluttered 4/10 - loads of bags for charity, will drop off at the weekend
    Move to Ireland Find a house to rent Done, deposit paid/contract signed
    House Install cladding in hall Planned for this weekend
    House Finish off kitchen (backsplash, windowsill, wood trim)
    Car Arrange brake repair advised by mechanic at MOT Appointment made

    Health
    Chase up re-test for nerves - figure out what is going on here and how to get a test?! Re-requested feedback from consultant, will see what reply comes
    Investigate health records - see what would be required to get health records together for Ireland move

    Financial
    Moving Get quotes for moving costs
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • chumpy45
    • By chumpy45 8th Jun 17, 9:04 PM
    • 315 Posts
    • 1,364 Thanks
    chumpy45
    Wow, it really is all happening in the HS household. Exciting stuff, and am so pleased for you. Good luck with all the final sorting, MKing and organising
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • hiddenshadow
    • By hiddenshadow 8th Jun 17, 9:43 PM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    Thanks chumpy! It all feels very real and exciting and rushed and mildly terrifying. I'm sure I felt like this the last time I moved abroad as well, but that time I only had 3 suitcases and 2 pets (who didn't move with me right away, so I was nice and settled when they arrived). Much more work planning to move a house full of stuff (and get rid of a house worth of stuff, it seems!).
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • hiddenshadow
    • By hiddenshadow 17th Jun 17, 3:59 PM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    Busy week for us. Finally put stuff up online for free, which has resulted in a few items gone and a few more claimed for collection this week.

    DH was off work a couple of days this week, which allowed him to pack a fair amount of his media. Also got a lot of things done - dentist appointments for both of us (only 3 years overdue ), vet appointments for all the pets to get their paperwork sorted for moving, and got the car in for its repairs.

    Started eating into our offset fund to shift our money into euros. We've agreed to pay the full first year of rent up-front, which means we need to transfer a fair amount of money into euros in the next 6 weeks or so. After that we'll re-build our savings funds, then resume mortgage overpayments.

    Goals

    Personal
    Move to Ireland Boxes packed 10/10 - packed a box of dishes with some clothes, win-win; DH also packed a bunch of his films
    Move to Ireland Items de-cluttered 13/10 - dropped off at least 8 bags for charity (lost count!), also got rid of furniture
    Move to Ireland Find a house to rent Done, deposit paid/contract signed
    House Install cladding in hall Progressing - need one more package of cladding, then painting
    House Finish off kitchen (backsplash, windowsill, wood trim)
    Car Arrange brake repair advised by mechanic at MOT All done

    Health
    Chase up re-test for nerves - Finally have an appointment! Only had to make a few dozen phone calls and bug people over and over for answers/updates.
    Investigate health records - see what would be required to get health records together for Ireland move

    Financial
    Moving Get quotes for moving costs - hoping to do that this week now that we have a better idea of how many boxes we’ll have
    Moving Shift rent money to euros 13%/100%
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • lippy1923
    • By lippy1923 17th Jun 17, 4:51 PM
    • 1,230 Posts
    • 3,428 Thanks
    lippy1923
    Very glad to hear you have found a place you are happy with. Not sure about the slow internet though, that would drive me insane lol
    Total Mortgage OP £17,500
    House Value £250,000 Mortgage £93,703
    Emergency Fund £25,500

    • hiddenshadow
    • By hiddenshadow 17th Jun 17, 5:14 PM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    Oh I know, lippy, we're definitely planning to fix that (as it will probably drive us nuts very quickly!). We should be able to get super fast internet (up to 1,000Mb/s if we want to pay lots - DH would totally do it, lol). We just need to get a postcode assigned to the property, which could potentially take 6 months (3 months for the postal service to do it, 3 more months for the internet company to recognise it)...so maybe worst case we'd have it sorted by 2018? (I've already requested the postal service to assign one.)

    I forgot to post our MSE wins...finally reached payout on Yougov, so that's gone through to the bank. Also wrangled the switch reward from H$BC, who tried to claim we didn't switch in time even though I requested the switch on the same day as the account opening (it just took forever to process, apparently). I got pretty angry on the phone, but did get the full £200 out of them (even though £50 was meant to be at the 1 year mark and we've only been with them 4 months). We'll probably stay with them for the full year, if only because I feel guilty (and it's not like money is earning anything elsewhere anyway).

    Nothing exciting happening with that money, though, it's all going into euros.
    Last edited by hiddenshadow; 17-06-2017 at 6:38 PM.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • shangaijimmy
    • By shangaijimmy 17th Jun 17, 9:26 PM
    • 2,198 Posts
    • 10,043 Thanks
    shangaijimmy
    Can't believe I'm away for 5mins and you almost up and move to Ireland!
    MFW: Turning June 2036 into March 2023... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • hiddenshadow
    • By hiddenshadow 18th Jun 17, 7:09 AM
    • 2,222 Posts
    • 10,050 Thanks
    hiddenshadow
    You were away for a touch longer than 5min, SJ.

    (But yes, it has all been a bit of a whirlwind!)
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
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