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
    • hiddenshadow
    • By hiddenshadow 15th Sep 15, 9:51 AM
    • 2,262Posts
    • 10,221Thanks
    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 - December 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; 02-10-2017 at 11:13 AM.
Page 53
    • hiddenshadow
    • By hiddenshadow 25th Jun 17, 11:46 AM
    • 2,262 Posts
    • 10,221 Thanks
    hiddenshadow
    Another busy week for us. The house is looking so much bigger now that we've gotten rid of some furniture and packed up boxes.

    Got some moving quotes, which range wildly in price. We're waiting on a couple more, so hopefully we can get an idea of what's reasonable.

    Went out to London yesterday in very MSE-style. Saw a musical (Wind in the Willows) via a voucher that was a gift, then went out to dinner with another voucher that was a gift.

    Non-MSE has been the animals. Old dog needed his teeth cleaned, which also involved a day's boarding at the vets to get fluids thanks to his kidney functions. He's all fine now, albeit with 6 less teeth (!), leaving him with only 4. He inhales his food anyway, so doesn't seem too bothered. Also had a lesser spend getting all the animals their paperwork for moving abroad.

    We've almost wiped out our entire offset fund moving our money into euros to pay rent. We'll be able to build it back up later this year/early next year, but in the meantime it makes the spreadsheet look very sad!

    Goals

    Personal
    Move to Ireland Boxes packed 14/10 - packed a box of dishes with some clothes, win-win; DH also packed a bunch of his films
    Move to Ireland Items de-cluttered 20/10 - dropped off at least 8 bags for charity (lost count!), also got rid of furniture and odds and ends
    Move to Ireland Find a house to rent Done, deposit paid/contract signed
    House Install cladding in hall Progressing - just needs paint
    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!
    Investigate health records - see what would be required to get health records together for Ireland move

    Financial
    Moving Get quotes for moving costs - 3/4 - waiting on one more quote next week
    Moving Shift rent money to euros 42%/100%
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Nov '17 £105,759
    2017 MFW #56: £13,909/£15,000 92% / MFiT-T4 #15: £53,740/£90,000 59%
    • hiddenshadow
    • By hiddenshadow 26th Jun 17, 10:13 PM
    • 2,262 Posts
    • 10,221 Thanks
    hiddenshadow
    MSE win today - phoned up BT to cancel our account when we move, and managed to avoid a cancellation fee thanks to creative options from customer service. It would have been almost £200, so that's a nice bonus.

    Managed to put a coat of paint on the hall, so it's almost done. Hoping to get the last coat on later this week, as well as paint skirting board to install that this weekend.

    In non-MSE progress, I finally e-mailed quotes to W!ckes for replacing our door that they broke back in 2015, and they sent back a rather stroppy e-mail saying that they were sticking with either no compensation or £125 compensation (not quite sure which). They said we could go to a furniture ombudsman (?) so we'll start that process, I guess. Don't hold out much hope, but we'll see what happens. Either way we won't replace the door until we're ready to sell - no point replacing a door that works before we have to.

    Already hoping for the weekend...haven't recovered physically from this last weekend, so I could use a quiet weekend. (Not sure how quiet working on the kitchen will be!)

    This month should be interesting pay-wise. We've tripled DH's contributions to pension to account for his pay rise/bonus, so this month will be a fair bit lower than usual. Next month will make up for it, at least (bonus is paid quarterly).
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Nov '17 £105,759
    2017 MFW #56: £13,909/£15,000 92% / MFiT-T4 #15: £53,740/£90,000 59%
    • hiddenshadow
    • By hiddenshadow 29th Jun 17, 10:26 AM
    • 2,262 Posts
    • 10,221 Thanks
    hiddenshadow
    Another MSE-win, literally. Won the bonus draw on FPL so that should be ~£30 heading our way. Would have been nice to win a pot bigger than £10, but hey, it's free money.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Nov '17 £105,759
    2017 MFW #56: £13,909/£15,000 92% / MFiT-T4 #15: £53,740/£90,000 59%
    • hiddenshadow
    • By hiddenshadow 1st Jul 17, 5:34 PM
    • 2,262 Posts
    • 10,221 Thanks
    hiddenshadow
    June Retrospective
    June was a busy month, finally close enough to moving to actually kick things into gear re: packing/de-cluttering/etc. Also saw us on a whirlwind day trip to Ireland to secure a house to rent, and start funnelling all our spare money (including mortgage offset) into Euros. Overall I think we did quite well this month progress-wise, even if it doesn't feel like it looking around the house.

    June OPs: £0.00
    June Offset: -£6,171.64

    Current (offset) balance: £109,873.74
    Month we’d be in to get to our current balance without OPs: December 2026 (-7 months)

    2017 Overpayments: £9,981.92
    2017 Offset Savings: -£6,171.94
    2017 Interest Saved: £3,544.33

    Total Overpayments/Offsets: £68,040.33
    Total Interest Saved: £56,330.83

    Daily Interest: £7.27 (down £0.23)
    Monthly Interest: £224.69 (up £0.94 - stupid 31-day months)
    June 2016 Interest: £286.49 (down £61.80)
    June 2016 Daily Interest: £9.55 (down £2.28)

    House Bricks: -6

    Mortgage reduction: £9,967/£20,000 (49%) (Average: £1,661.28/mo)

    First month with no OPs. *sob* Also stole from our offset to transfer money into euros.

    Not sure when OPs will begin again, will need to bump our savings back up first.

    Net worth increase: £29,525.91/£80,000 (36%)

    Negative progress on-paper because over £8k went out of the budget into Euros, so will need to figure out how to balance the two currencies.

    MFIT-4: £49,798/£90,000 (55%)

    Progress here slipped a bit thanks to using up the offset.

    Goals

    Personal
    Move to Ireland Boxes packed 14/10 - packed a box of dishes with some clothes, win-win; DH also packed a bunch of his films
    Move to Ireland Items de-cluttered 25/10 - finally getting things out of the house!
    Move to Ireland Find a house to rent Done, deposit paid/contract signed
    House Install cladding in hall Done - (almost) just needs 1 more coat of paint, which will happen tomorrow
    House Finish off kitchen (backsplash, windowsill, wood trim) Progressing - did the backsplash today, will work on the others tomorrow
    Car Arrange brake repair advised by mechanic at MOT All done

    Health
    Chase up re-test for nerves - Finally have an appointment!
    Investigate health records - Not started see what would be required to get health records together for Ireland move

    Financial
    Moving Get quotes for moving costs - 3/4 - think we've decided on a moving company, just need to secure that this week
    Moving Shift rent money to euros 66%/100% - making good progress
    Last edited by hiddenshadow; 02-07-2017 at 8:03 AM. Reason: typo
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Nov '17 £105,759
    2017 MFW #56: £13,909/£15,000 92% / MFiT-T4 #15: £53,740/£90,000 59%
    • hiddenshadow
    • By hiddenshadow 1st Jul 17, 7:18 PM
    • 2,262 Posts
    • 10,221 Thanks
    hiddenshadow
    July Goals
    Going to keep these nice and simple this month. ("Simple" in that there will be few goals, some of them are fairly major though!)

    Goals

    Personal
    Work Get this project done - supposedly launching mid-July, may shift back a week (to the week we move )
    Move to Ireland Rooms packed 0/6 - bedrooms 1/2, bathroom, lounge 1/2, kitchen
    House Finish DIY projects 0/10
    Move to Ireland Get all of us safely there! 0/6

    Financial
    Moving Shift rent money to euros 66%/100%
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Nov '17 £105,759
    2017 MFW #56: £13,909/£15,000 92% / MFiT-T4 #15: £53,740/£90,000 59%
    • EatingTheElephant
    • By EatingTheElephant 2nd Jul 17, 7:52 AM
    • 1,152 Posts
    • 6,174 Thanks
    EatingTheElephant
    Busy times ahead, very sensible keeping goals simple. Good luck with the move.
    • MamaSaver
    • By MamaSaver 2nd Jul 17, 9:03 AM
    • 45 Posts
    • 424 Thanks
    MamaSaver
    Good luck HS, a big adventure awaits.
    • shangaijimmy
    • By shangaijimmy 2nd Jul 17, 9:39 AM
    • 2,227 Posts
    • 10,249 Thanks
    shangaijimmy
    Very impressed the level of planning and organisation in here. Don't worry about them OP's, when you look back in December June will merely be an understandable blip!

    Very excited for you!
    MFW: Turning June 2036 into March 2023... 32//120 Payments Challenge, Diary Reduction £34,271.00
    Aug 2009: £163,051 // Current: £101,729.00 // Avg Daily Interest £4.57
    MFiT-T4 #8 - 56.74% of £41,000
    • lippy1923
    • By lippy1923 2nd Jul 17, 10:29 AM
    • 1,232 Posts
    • 3,434 Thanks
    lippy1923
    I echo SJ's comments. Very impressed with the organisation and also extremely excited for you
    Total Mortgage OP £17,500
    House Value £250,000 Mortgage £92,730
    Emergency Fund £27,400

    • hiddenshadow
    • By hiddenshadow 7th Jul 17, 3:48 PM
    • 2,262 Posts
    • 10,221 Thanks
    hiddenshadow
    Thanks all!

    Lippy, I am the master of lists. I love lists...I basically run my life off lists of various kinds. (The downside is that if it's not on a list I never remember it!)

    Major MSE win today...well, not "win" as such since I was trying to do this all along, but win that it finally got done! I've been wrangling with HMRC for months over my pension contributions, and how to claim tax relief back on them. Finally submitted the right form (after many calls/chats with them getting confusing information) and....they owe me £0. (Well, actually, they'd already decided they owed me £63.20 through some magic math on their end, so they did pay that surprisingly promptly!)

    Anyway...I thought £0 back on pension contributions of over £11,000 was slightly off, so after spending a lot of time on hold and another semi-confusing conversation with them, I put in my income (which I assumed I didn't need to do because it's PAYE and they're HMRC so I'm filling in data from forms they sent me.....), and now the calculation shows a refund of £3,899.80. I was only expecting £2k or so, so that's a pleasant surprise. No idea if that accounts for the £63.20 or not, but I don't mind paying that back to them if they decide they need it.

    Hoping the money gets to us as promptly as the first payment (which claimed 3-4 weeks but only took 3-4 days), as that will go a ways towards re-establishing our EF (which has been drained to move into €).
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Nov '17 £105,759
    2017 MFW #56: £13,909/£15,000 92% / MFiT-T4 #15: £53,740/£90,000 59%
    • hiddenshadow
    • By hiddenshadow 9th Jul 17, 5:48 PM
    • 2,262 Posts
    • 10,221 Thanks
    hiddenshadow
    Crazy week...worked 40 hours by Wednesday, got given Friday off as a result, but then also got asked to work part of the weekend. So...super tiring. At least I'm accruing good will at work and time off in lieu, so there's that.

    Also made good progress on other life goals...house projects are almost done (we got the big ones 90% done this weekend, and will finish those off this week, the rest are little). Packing is stressing me out because we have so much crap that we need to pack/get rid of/deal with in some fashion. I think I'm much better at the will I regret not having this in 2 years' time? game than DH, because I'm tempted to not pack any of it, though we do still need to get it out of the house.

    Goals

    Personal
    Move to Ireland Rooms packed 1.5/6 - [bedrooms 1/2, bathroom, lounge 1/2, kitchen] almost finished with the kitchen, just need to pack pots/pans, also only have a few boxes left for lounge 1/2
    House Finish DIY projects 4/10 got lots done this weekend, though my body’s going to pay for it
    Work Get this project done - Progressing working crazy hours, and this week has been hugely tiring and stressful, but it’s getting there
    Move to Ireland Get all of us safely there! 0/6

    Financial
    Moving Shift rent money to euros 93%/100% - almost there, may need to wait until payday to do the last few transfers
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Nov '17 £105,759
    2017 MFW #56: £13,909/£15,000 92% / MFiT-T4 #15: £53,740/£90,000 59%
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 8:44 PM
    • 2,227 Posts
    • 10,249 Thanks
    shangaijimmy
    Thinking of HMRC and escapade its amazing at how inept some departments can be at their own jobs. When i was a lowly young pool lifeguard someone from paypal actually rung me to explain how the bank holiday reimbursement worked for part time staff who were contracted to work weekends, as no-one else had tried to claim it. He couldn't understand how i had 'lost my day off' on a bank holiday, as 'everyone is off'.
    MFW: Turning June 2036 into March 2023... 32//120 Payments Challenge, Diary Reduction £34,271.00
    Aug 2009: £163,051 // Current: £101,729.00 // Avg Daily Interest £4.57
    MFiT-T4 #8 - 56.74% of £41,000
    • Kittenkirst
    • By Kittenkirst 14th Jul 17, 3:43 PM
    • 1,606 Posts
    • 8,359 Thanks
    Kittenkirst
    Hi Hidden! What fantastic news with the tax being a higher refund than you were expecting!

    Good luck with the move; it sounds like you're organised and it'll go smoothly!
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • hiddenshadow
    • By hiddenshadow 16th Jul 17, 8:58 PM
    • 2,262 Posts
    • 10,221 Thanks
    hiddenshadow
    Thanks kittenkirst, I'm not sure I'll believe the tax thing until HMRC actually deposits the funds (whenever that might be, claim up to 5 weeks to process).

    Non-stop work this weekend...loads of house bits done, loads of de-cluttering and packing. I'm completely shattered, but at least the end seems to be in sight (both time-wise and job list-wise).

    We did pause on the non-stop work to go out to dinner with friends on Saturday. Wasn't necessarily in the budget, but is the last time we'll see them until at least September, so figured it was worth taking the opportunity. (She also has health issues so one or both of us has had reason to cancel plans for a few months straight.) Very yummy food in addition to the good company, which made for decent lunch leftovers today.

    Goals

    Personal
    Move to Ireland Rooms packed 5/6 - bedrooms 1/2, bathroom, lounge 1/2, kitchen lounge is mostly done, kitchen/bedrooms/bathrooms are DONE!
    House Finish DIY projects 7/10 got lots done this weekend, just need to finish off a few bits and pieces
    Work Get this project done - Progressing good progress this week, thankfully, so maybe things will be a tiny bit less insane now?
    Move to Ireland Get all of us safely there! 0/6

    Financial
    Moving Shift rent money to euros 93%/100% - waiting until payday to do the last few transfers
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Nov '17 £105,759
    2017 MFW #56: £13,909/£15,000 92% / MFiT-T4 #15: £53,740/£90,000 59%
    • debtfreeoneday
    • By debtfreeoneday 21st Jul 17, 6:40 AM
    • 2,780 Posts
    • 9,507 Thanks
    debtfreeoneday
    All sounding great in here, glad to hear about the refund!
    DFW (08/08) £64,346.53
    Credit card debt: £3,346.29 over three credit cards.
    MFW (01/15) £118,031.21 £95,324.07
    • hiddenshadow
    • By hiddenshadow 18th Aug 17, 6:51 PM
    • 2,262 Posts
    • 10,221 Thanks
    hiddenshadow
    July Retrospective
    July OPs: £71.92
    July Offset: £0.00

    Current (offset) balance: £108,999.99
    Month we’d be in to get to our current balance without OPs: December 2026 (+1 month)

    2017 Overpayments: £10,053.84
    2017 Offset Savings: -£6,171.94
    2017 Interest Saved: £3,664.94

    Total Overpayments/Offsets: £68,056.88
    Total Interest Saved: £56,228.42

    Daily Interest: £7.19 (down £0.08)
    Monthly Interest: £215.43 (down £9.26)
    July 2016 Interest: £291.04 (down £75.61)
    July 2016 Daily Interest: £9.39 (down £2.20)

    House Bricks: 1 (thanks to sneaky OP )

    Mortgage reduction: £10,668/£20,000 (53%) (Average: £1,524.12/mo)

    First month on a reduced standard payment. Will wait and see how the budget looks post-move and post-renters coming in…hoping to bump things up again by the fall.

    Net worth increase: £42,940/£80,000 (53%)

    DH got his quarterly bonus.

    MFIT-4: £50,500/£90,000 (56%)


    Goals

    Personal
    Move to Ireland Rooms packed 6/6 - got everything packed up in the end, though it was a lot of work!
    House Finish DIY projects 10/10 - technically didn’t mow the bit of grass behind our garden gate thanks to the rain, but got everything else done
    Work Get this project done - Progressing supposedly launching next week!
    Move to Ireland Get all of us safely there! 6/6 everyone arrived safely, pets seem happy and settled in the house

    Financial
    Moving Shift rent money to euros 100%/100% - now to figure out the logistics of how much we’ll need in euros on a monthly basis
    Last edited by hiddenshadow; 19-08-2017 at 9:05 AM.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Nov '17 £105,759
    2017 MFW #56: £13,909/£15,000 92% / MFiT-T4 #15: £53,740/£90,000 59%
    • porgiegeorgie
    • By porgiegeorgie 19th Aug 17, 1:06 AM
    • 159 Posts
    • 1,129 Thanks
    porgiegeorgie
    Have just finished reading your diary HS, it seems I've joined you at a pretty busy time!

    I'm glad you all go there ok and are settling in. I hope your new life in Ireland is amazing, can't wait to hear how you're getting on.

    Leaving England (probably not to Ireland though) is an idea DH and I have bandied about, even more so since the Brexit result. I'm super-cautious about everything but DH seems really up for it and would probably definitely do it so reading your diary has given me food for thought...

    Good luck with everything!
    MFiT-T4 #75: £142,480 to £86,700 by Jan 2019
    Feb16: £142,480. April16: £138,900. July16: £132,242 Oct16: £129,824, July17: £115,841
    • hiddenshadow
    • By hiddenshadow 19th Aug 17, 8:47 AM
    • 2,262 Posts
    • 10,221 Thanks
    hiddenshadow
    Hi porgiegeorgie, thanks for reading through my wafflings. Re: moving, we hadn't really considered going abroad (our thoughts were Welsh countryside or Scottish countryside), but Brexit altered our plans and our timeframe significantly. All in all it's been pretty smooth on our end, though we definitely could have done with not being lazy about house projects for 18 months and then frantically finishing everything in 3. :P And DH could have decluttered more, IMO, though he did a fair bit this time, at least (our move in 2013 was: me: so, that stuff you've had in storage for 2 years and not needed, most of it can go, yes? DH: *shocked/horrified* no, now I have a garage to store it in for free, and more space for more things!)

    So....almost a month between updates. I can blame a week on frantic packing/moving/work, a week on being in limbo with bad internet, a week moved in with no internet (well, borrowed neighbours' internet), and the last week....no excuses there.

    Move itself went surprisingly smoothly, could have skipped paying to get all the pets documented as no one even looked at them. They all seem to be settling in well, and the stairs here are shallower which helps the old man dog (though he's still so used to turning right at the top of the stairs...now he turns right, looks confused, circles around, and enters the bedroom).

    On the people front, things are mostly settled. We're still waiting for an Irish bank account (multiple, actually), which means we can then get utility accounts in our names. We have managed to find/pay for the waste removal, but they have yet to give us bins, so we've been piling trash up in the shed. On the plus side, we've got accounts with the library (the system looks quite good actually, apparently it was recently nationalised so that probably makes for a better selection), and our library has a trial program to allow patrons in out of hours, so it's "open" 7 days a week 8am-10pm. DH is very excited about that. (I'm excited as well, but slightly less so ).

    There ends the good news, unfortunately. Letting our house has been a total nightmare so far. The tenants weren't pleased with the cleanliness of the house ("dog hair everywhere", supposedly), and now expect us to pay almost £700 for re-cleaning it (!). The estate agent took it upon themselves to act upon an unrelated e-mail I sent back in June to allow the tenants to remove built-in bookcases in August. We wanted to evict the tenants then and there for removing fixtures & fittings, but probably can't because the estate agents apparently gave them permission. So we're trying to get legal advice on how best to approach this re: the tenants and re: estate agents. Frankly at this point we're willing to take a financial hit if necessary just to get it all over and done with, especially as we don't see the housing market improving in the next year (original plan was to sell in summer 2018 after we've lived here for a while and figured out how much we like it/how likely we'd be to buy here; as I pointed out to DH even if we decide we absolutely hate it here we're not likely to move back into our house, so there's not much point in keeping it).

    So, we'll see...it's stressing me out quite a bit, even though realistically we could probably take a 4- or (very low) 5-figure loss on this whole thing and still be fine. (Not happy, of course!) Ideally we won't have to take a loss at all and either tenants will move out/estate agent will not be crap, or we'll resolve everything and tenants will just stay for the 1 year and estate agent will also not be crap , but I don't know how likely either of those outcomes are (esp. re: estate agent not being crap!).

    Work is finally calming down a little bit...project launch is on Monday (supposedly...this will be the 3rd launch date), so we'll see if everyone's hair is on fire next week. I've reached a point of burnout that I've never encountered before...I can't be bothered to care one way or another whether launch succeeds or fails, or even if the company succeeds or fails. Success would be better, of course, but...meh. I don't think I've worked a week of "normal" hours since the middle of May, and (assuming the company honours their promise) I've almost accrued an entire annual leave's worth of time off in lieu. So that'll be nice, someday..?

    On the MSE front, I've also lost a bit of mojo I think...partly because our budgets are all in flux due to different financial commitments on the UK side and who-knows-what-we're-supposed-to-budget-land on the Irish side. Partly because of the house/tenants issue (shouldn't OP until we know what sort of financial fall-out there will be). Probably partly due to work burnout. I'm hoping all of those things will be fixed in the next few weeks/months as everything settles down/gets sorted.

    DH has been to London for work twice and each time my body's given out. He's got 2 more trips scheduled, then we both go for a few days. I'm hoping after the joint trip he can scale back his trips to 2x/mo, both for his sake and mine. We'll see...he's not the sort to ask for that sort of thing, and his boss would never suggest it (I'm sure if he thought he could, he'd have DH in the office 5 days/week rather than 2!). My health might be the one thing that gets DH to put his foot down, so I guess that's a silver lining.

    All that negativity aside, I have a feeling we're going to like it here. There are a few massive frustrations (main one being that our house somehow doesn't have a post code, and ISP won't consider you for fast broadband without one, and yet I can't figure out how/when we might get one despite working on it since June! ), but it is nice that the only noise we have are the road out front and the cows living behind our garden. I think it's rained at least once every day we've been here, but we both quite like the rain (and it's easy enough to avoid when your schedule is flexible).
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Nov '17 £105,759
    2017 MFW #56: £13,909/£15,000 92% / MFiT-T4 #15: £53,740/£90,000 59%
    • porgiegeorgie
    • By porgiegeorgie 19th Aug 17, 12:18 PM
    • 159 Posts
    • 1,129 Thanks
    porgiegeorgie
    Scotland is my first choice if we do move (so not a million miles away since we're already in Yorkshire so half way there as it were), but DH seems to have Canada as the top of his list! He's quite open to the idea of Scotland too though.

    One of my cousins lives in Edinburgh and has an quicker, and usually cheaper, journey down to visit family in London flying Edinburgh-Stansted, than I do driving/getting the train from Yorkshire. We worked out that if we moved somewhere within reach of an airport with flights into London we could travel to see our families in London, Essex & Suffolk in a similar time it currently takes to drive to see them. It was this that really got us thinking about it.

    I didn't realise a postcode system had even been introduced in Ireland until just now! Bit of a pain your property wasn't issued with one when it was rolled out. Hope you can get it sorted soon.
    MFiT-T4 #75: £142,480 to £86,700 by Jan 2019
    Feb16: £142,480. April16: £138,900. July16: £132,242 Oct16: £129,824, July17: £115,841
    • hiddenshadow
    • By hiddenshadow 19th Aug 17, 12:47 PM
    • 2,262 Posts
    • 10,221 Thanks
    hiddenshadow
    We've visited Edinburgh a couple of times and loved it each time. I don't know that I could live there now as the pavements/hills would restrict me too much mobility-wise...but if that weren't an issue I bet it'd be a lovely place to live. We were thinking of the countryside between Edinburgh/Glasgow, or between Edinburgh/Aberdeen.

    It is crazy how you can move farther away and yet have an easier journey. In Essex our commute time was 3-3 1/2 hours per day. So far DH's commute has been 10 hours over 2 days, so not dramatically different on average (but of course he also get 3 days commute-free, so overall a win). Cost-wise it's about even to fly once/week than to commute in every day.

    Post codes were launched in 2015, apparently, and everyone assures me that they're optional and "no one cares", except for the internet company (of course!). I've tried, in vain, to convince them based on the fact that our neighbours (who do have post codes) are already getting fast internet from them, but they refuse to proceed unless they have an identifier for our house. Sigh. In theory we'll get a post code by November/December, so maybe it can be a Christmas present to ourselves.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Nov '17 £105,759
    2017 MFW #56: £13,909/£15,000 92% / MFiT-T4 #15: £53,740/£90,000 59%
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

711Posts Today

6,613Users online

Martin's Twitter