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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,523Posts
    • 7,742Thanks
    Kittenkirst
    Getting a mortgage and then becoming mortgage-free!
    • #1
    • 5th Feb 16, 10:35 AM
    Getting a mortgage and then becoming mortgage-free! 5th Feb 16 at 10:35 AM
    Hi all!
    So from my title you may have guessed I don't yet have a mortgage, however I am hoping that will all change within the next few weeks.
    I will then start on overpaying the mortgage and really penny pinching to try and reduce it down as much as possible!

    I'm hoping this is alright to start my diary in here? :-)

    The story so far, my lovely girlfriend and I have been discussing getting a place together for some time. We started looking at houses (al very small and far from her parents- which is a no-no, we want to be close to them to visit regularly). Last weekend we went to see a new build development and fell in love with a house- less than 2 miles from her parents, perfect size for the two of us and within our budget (from getting mortgage in principle information and confirming monthly payments were well within our budgets).

    Sooooo we took her parents round for their seal of approval, spoke with an agent we know through the family about pertinent questions to ask, did lots of number crunching and then placed a reservation.....

    ....so we've now got paperwork from solicitors re the conveyancing etc and paperwork from the mortgage advisors to sort out this weekend.
    We have re-jogged our budget to ensure we had the deposit in savings by end of Feb (we thought we'd have a few months before we found anywhere) so are ready to almost hand over £18500 :O

    I have agreed to move into her parents house and pay rent in mid March to prevent paying rent, bills and food (will save an extra £500 a month) so we should be in a good position for when the house is ready September/October time!

    Does anyone have any hints or tips so far?

    Our brokers/solicitors are ones recommended by family who've used them and really recommend them and we've sense checked the rates the solicitors charge to ensure its competitive.
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
Page 27
    • Kittenkirst
    • By Kittenkirst 14th Mar 17, 7:22 AM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    Small thing I keep forgetting to mention is I'm working through using up a whole pile of toiletries including hotel minis that we've amassed the past two years.
    I've just finished using up the first free bar soap in the shower (it's taken 6 weeks!) and I must say I don't see anything different to the posh shower gels other than the bar soap is not as overpoweringly scented.

    Small things but hopefully they'll all add up over time!

    The Starbucks card is sat with no pennies on it currently as our last top up (November using Zeek to get 15% off and a small bit of cashback!) has ran out and we've agreed to not top it up for two months whilst the flat remains empty as it's a luxury and we don't really really need it! This makes me a little sad but it's hopefully only to get over the bump, and really it is just overpriced frothy coffees (that taste so good!)
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • ch4rly2002
    • By ch4rly2002 14th Mar 17, 11:14 AM
    • 207 Posts
    • 896 Thanks
    ch4rly2002
    Losing the will to live here... I just typed a loooong reply when my computer blue-screened and restarted I'll try again
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £10,125
    Mortgage: Dec 2014 -£216,000 / Current -£197,000
    BTL Mortgage: Dec 2014 -£136,000/ Current -£125,800
    CC 0%: Nov 2016 -£4,500 / Current -£3,577.63
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£35,655.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • ch4rly2002
    • By ch4rly2002 14th Mar 17, 11:24 AM
    • 207 Posts
    • 896 Thanks
    ch4rly2002
    I know what you mean about the toiletries. DH works away a lot and brings back lots of freebies, which take us ages to get through. At Christmas I did one of those Samaritans shoeboxes and it asks for soap so I put in loads of bars from hotels, and still have enough to last a good chunk of the year.

    Regarding Starbucks (and the mega bucks it costs to drink there), have you considered getting a coffee machine and making your own? We have saved a tonne over the years since getting our Nespresso machine. The capsules from Nespresso cost about 30p each, and other brands are making compatible capsules either for less money or to sell their own coffee - Starbucks sell their coffee in Nespresso compatible format now (it used to be for their own machines only which we couldn't use). I even found packs of 10 taylor's coffee capsules for £1 each in the poundshop in Leeds a few weeks ago so they worked out at only 10p each, bargain We asked a barista at Starbucks which coffee capsule uses the coffee that they put in most of their drinks (it's purple by the way) and when we made it at home we couldn't taste a difference. You can also get syrups and flavoured capsules if you prefer chocolate or vanilla etc. We regularly make a coffee in our thermos type cups and take them out with us. Aldi are currently selling a Nespresso type machine for £49.99, milk frother for £19.99 and capsule holder for £3.99, which seems to be a very good price and Nespresso often reduce their basic models. I know it's a bit of an investment upfront but if you and your lady love Starbucks it might be worth considering.
    Last edited by ch4rly2002; 14-03-2017 at 11:27 AM.
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £10,125
    Mortgage: Dec 2014 -£216,000 / Current -£197,000
    BTL Mortgage: Dec 2014 -£136,000/ Current -£125,800
    CC 0%: Nov 2016 -£4,500 / Current -£3,577.63
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£35,655.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • ch4rly2002
    • By ch4rly2002 14th Mar 17, 11:25 AM
    • 207 Posts
    • 896 Thanks
    ch4rly2002
    Well done on finding the bargains as well, sounds like you god some good deals there
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £10,125
    Mortgage: Dec 2014 -£216,000 / Current -£197,000
    BTL Mortgage: Dec 2014 -£136,000/ Current -£125,800
    CC 0%: Nov 2016 -£4,500 / Current -£3,577.63
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£35,655.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • Kittenkirst
    • By Kittenkirst 14th Mar 17, 2:04 PM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    Losing the will to live here... I just typed a loooong reply when my computer blue-screened and restarted I'll try again
    Originally posted by ch4rly2002
    Ahhh Charley my phone does it sometimes and I want to throw it out the window! Thanks for perservering and reposting

    We've contemplated getting a coffee machine but I would need to talk the gf down from gettin a £1k bean to cup model that she thinks is the bees knees! We do have a milk frothed which I use on the weekends for frothy coffee treats and that does hit the spot. Deffo food for thought now that Starbucks do Nespresso capsules.
    Last edited by Kittenkirst; 14-03-2017 at 2:07 PM.
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • Kittenkirst
    • By Kittenkirst 14th Mar 17, 7:44 PM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    I wanted to recap on my Goals for 2017:
    1) overpay mortgage by £2150 in 2017- we're at £417.62 so far - 19% with a nice chunk of £242 going in once cashback clears and the normal OP takes place
    2) rebuild savings to £1750 in 2017- currently at £905.20 52%
    3) get rid of credit card once & for all (£940 left on 0%) - £214 left to pay tomorrow and will be gone!
    4) have two mini breaks away with my gf- enjoy life & experiences- not planned yet.....
    5) run a 10km race - enrolled for one but it's the date of a good friends baby boys christening so will have to give place away. 5km obstacle race booked for 1st April so that's a start!
    6) find somewhere to volunteer at- aim for at least 6 volunteering days in 2017 preferably with homeless charity or a mental health charity- not done anything on this one (good intentions and all that) must get on with it!

    I've been number crunching and would like to be in the position that I have £5.5k in savings (regular saver, normal easy access & sharesave through work) by the end of the year. I think this is rather ambitious but can be achieved if I am stringent with the budget! I will see how I get on with clearing the CC and the first savings target though before committing to it
    Last edited by Kittenkirst; 14-03-2017 at 10:01 PM.
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • Kittenkirst
    • By Kittenkirst 14th Mar 17, 7:46 PM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    Leek and potato soup had been made and scoffed, leftovers cooling on the worktop to then pop into food bags when cold and freeze (they stack like bricks when done this way and popped into one lunch box)

    Had a much better day at work today and was at a closer office than I'm based which meant once my face to face meetings finished I drove home and worked from the kitchen...got to do some chores on lunch break and enjoy the sunny afternoon in the kitchen next to the patio doors

    I'm off up north tomorrow afternoon after a morning in the office, so hire car has been dropped off already and I've made my lunch before I hit the road. Should be at the hotel for 6pm and will get to have dinner with my gf as she's staying tomorrow too (hoping she fancies Nando's as the company is paying, well for £20 meal allowance at least!)

    Payday tomorrow so all the shuffling of money will start. Had a quick check on the grocery budget and worked out that since 1st Jan to today we have spent £15.06 a week which is fab, and very much helped out by the free toilet paper & milk from the parents shop!

    I've spent some time updating my app and thinkin about the next set of goals for me to aim for which I've managed to cross post with this one...whoops!
    Last edited by Kittenkirst; 15-03-2017 at 7:19 AM.
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • Kittenkirst
    • By Kittenkirst 15th Mar 17, 5:59 PM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    Not long arrived in Manchester following a bit of a rubbish drive...company sat nav I borrowed had me driving all around Manchester in rush hour....but I'm here now so can relax, phew! I failed in preparation as had pasta, pesto,broccoli & mozzarella made for lunch but couldn't eat that as I drove so I bought a subway sandwich it tasted lovely and stopped the hunger pangs but I should plan better next time!

    Cashback has cleared- so that's £130 from Sky & £22.50 from car insurance I've swiftly swept that over as on OP just now- that £152.50 is 7% of my yearly target so is a nice big lump sum

    Pay day today so preliminary money shuffles completed with £800 sent mortgage & bills account ready for the month. Also the Credit card final balance of £214.31 now paid I'm holding back on the jumping for joy until I find the last statement & confirm it's all cleared in full, either way it's a good step in the right direction.

    Off out for dinner tonight- debating going into central Manchester or staying around here (there's a few pubs, a nandos etc), will see how tired I feel in an hour or so and go from there!
    Last edited by Kittenkirst; 15-03-2017 at 6:07 PM.
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • Kittenkirst
    • By Kittenkirst 17th Mar 17, 1:47 PM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    Finally back home after a long but fun few days, Wednesday was an evening out paid for by the company (definitely a perk of working away) and then yesterday went to see gf's family for a birthday meal which her uncle kindly paid for which was unexpected but very very lovely. Went to a fab little pizza place so I'm still pretty full today

    Small spends of lunch at work yesterday as didn't want to have to store food at hotel in case it went funny, and then a card and birthday chocs for the cousin who's birthday it was.

    Despite lots of travel no frothy coffees were purchased so I've made up with it today when working from home with a cafetière of fresh coffee and frothy milk yum!

    Just reconciling my accounts spreadsheet and seem to have a miscalculation somewhere (£6.27 difference somewhere) in Feb so am working through my account statement to check it all off as is bugging me a lot!

    Front and back door mats have finally arrived from our offcuts of carpet so £17 spent on those but they look fab at the front & back doors.

    Hairdressers tomorrow to spend my valentines gift of £50 voucher for colouring- going for a flame red and a different cut to normal as fancy a change. As a friend recommended the salon I'm also getting 25% off the whole price so feeling like an indulgent yet not too speedy treat
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • gallygirl
    • By gallygirl 17th Mar 17, 7:13 PM
    • 16,404 Posts
    • 107,482 Thanks
    gallygirl

    Just reconciling my accounts spreadsheet and seem to have a miscalculation somewhere (£6.27 difference somewhere) in Feb so am working through my account statement to check it all off as is bugging me a lot!
    Originally posted by Kittenkirst
    Bung in a balancing item for £6.27 .
    Save
    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"
    • Kittenkirst
    • By Kittenkirst 17th Mar 17, 9:23 PM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    Ha ha good shout Gallygirl, I managed to reconcile it in the end and luckily I'd undercounted rather than over

    Some groceries bought this evening for £14.28 so the remaining 72p has been swept to the mortgage....we made a beautiful Kung Pao chicken with lots of veggies added alongside rice- was just delicious but we had to buy a few items specially (we'll make sure we recreate it to use up the ingredients!) including £6 on rice wine. We googled alternatives and so then looked at Dry Sherry which was just as pricey!

    Now chilling watching Sten Lees Lucky man which I'm really enjoying...I do love a bit of James Nesbitt, such a great actor!
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • newgirly
    • By newgirly 18th Mar 17, 7:50 AM
    • 5,720 Posts
    • 39,235 Thanks
    newgirly
    Hi kittenkirst, sorry I've not popped by for ages, I'm all caught up with your diary now though and as usual feel quite hungry after reading it
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • Kittenkirst
    • By Kittenkirst 18th Mar 17, 7:54 AM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    Sorry NewGirly I do love my dinners!

    Maybe I should start tracking my weight too and see if that helps me lose the excess 6kg I gained the last year & a half. Tracking seems to be working well for the OPs
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • newgirly
    • By newgirly 19th Mar 17, 9:33 AM
    • 5,720 Posts
    • 39,235 Thanks
    newgirly
    Very nice
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • Kittenkirst
    • By Kittenkirst 19th Mar 17, 9:37 AM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    Hair is all done and glammed up; I've gone from boob-length hair with a light auburn dye on the ends to a shoulder length layered cut with fringe with black roots and bright red everywhere else. I love it

    In total it cost me £33, as I got a 25% off as a friend recommended me and I used the £50 gift voucher the girlfriend got me for valentines (she knew I'd never just do it on my own as it's a lot of money!)

    But even more exciting than that is.....


    WE BOUGHT KITTENS!!!!

    we've been talking about kittens forever pretty much and decided we'll get two in April and we have the end of the month off to settle them in. I've been looking daily on gumtree as now is the time to reserve them and there was an ad yesterday morning for three males two tabby and one ginger- we want two and wanted those colourings (I love tabbies you see!) So we messaged the lady to go round today (Sunday) but she was having a lot of response to the ad so we went round straight after the haircut yesterday.

    Result was £80 deposit paid for two 5 week old boy kittens : there is a really gingery one who was really playful and cuddly, and one white and tabby one who was a little more clingy with us and meowed a little (so cute!) they are not yet old enough to leave so we are going on 8th April when they'll be de wormed, de flead, weaned and using litter trays. The lady was lovely and we saw all her five cats (including mummy cat) so we're both ridiculously excited. We have named one kitten (ginger one)- Oscar- but we are still deciding on the white & tabby boy name

    I am so excited and cannot wait until the 8th! I shall be working from home lots that week so I'm not far away.....

    Played with the figures in my accounting app to ensure we have the funds- I had set aside £150 this month to pay to have the patio door glass changed and cat flap installed, but we won't need that until May so I'll take that out of next months wages instead.

    I cannot begin to express my excitement and happiness! It's such a wonderful feeling to have our own home that's secure and be having our own little kitties

    In MSE news I've had a yougov survey and we went to gf's cousins for dinner last night as other cousins were visiting so no spends on groceries! :P
    Last edited by Kittenkirst; 19-03-2017 at 9:49 AM.
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • Kittenkirst
    • By Kittenkirst 19th Mar 17, 9:44 AM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    Checking accounting app and due to pay £89.81 tomorrow on mortgage day so I've just sent that across now and got it done.

    Takes March total to

    £263.33

    Which now totals £638.15. of £2150 target for this year. 29.6% which is just ahead of where we need to be for the end of the first quarter
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • ch4rly2002
    • By ch4rly2002 19th Mar 17, 3:27 PM
    • 207 Posts
    • 896 Thanks
    ch4rly2002
    How exciting! I remembered how excited I was when we brought our kitten home (now a big 7 year old boy!). I love cats, especially kittens. Maybe you could post a pic on here when they arrive? One MSE tip I have, when you give them their first vaccines and boosters, if you do it at Pets at Home you can do their Vac for Life programme that costs £99 (per pet) and covers all boosters for life. Considering they normally cost around £30 per booster you make your money back pretty quickly. The only think to be conscious of is that you need to book your appointment around the same time every year. My colleague was telling me that she left it and booked her appointment quite a while after the letter arrived and was told that because she had left it X amount of time after the booster was due, she had violated the terms of the policy and was no longer eligible for the free Vac for Life programme. I haven't had a problem though as I have it done the same time every year so easy to avoid falling foul of it if you are aware Another tip, not really MSE, when we moved house I rang the national pet register to change the address on the boy's microchip and didn't have a record of him. I was mortified that he'd been running around for 5 years with no ID as she runs towards cars, not away from them so is more likely to get him and need to be IDed. Turns out the vet hadn't sent the paperwork even though they said they would. I had the microchip number so was able to rectify it, but I would advise checking that they have your address details logged. One final tip (sorry, I'll stop soon) is to ask your vet for a flea recommendation. I spoke to mine who recommended an alternative brand that actually were working better than the big branded stuff and was cheaper. You can also get them injected if you think you'll forget to use the flea drops, which my friend who is a vet does, but our vet seemed to think it was mean putting something into their blood when drops work fine, so it's entirely up to you, just an alternative if you forget things easily
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £10,125
    Mortgage: Dec 2014 -£216,000 / Current -£197,000
    BTL Mortgage: Dec 2014 -£136,000/ Current -£125,800
    CC 0%: Nov 2016 -£4,500 / Current -£3,577.63
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£35,655.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • ch4rly2002
    • By ch4rly2002 19th Mar 17, 3:28 PM
    • 207 Posts
    • 896 Thanks
    ch4rly2002
    Sorry, I said I was going to stop, but I always check on a price comparison site before buying my cat food as it can save quite a bit in the long run. I also buy in bulk when there is a particularly good deal on.
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £10,125
    Mortgage: Dec 2014 -£216,000 / Current -£197,000
    BTL Mortgage: Dec 2014 -£136,000/ Current -£125,800
    CC 0%: Nov 2016 -£4,500 / Current -£3,577.63
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£35,655.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • Kittenkirst
    • By Kittenkirst 19th Mar 17, 8:41 PM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    Awww thanks for all the tip Charley

    We have a vets4pets very close by so we re definitely going to book the boys in for the vaccinations and microchipping
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • Kittenkirst
    • By Kittenkirst 19th Mar 17, 9:49 PM
    • 1,523 Posts
    • 7,742 Thanks
    Kittenkirst
    Ohhh forgot to add that I managed to finally get through the security on my tesco credit card- I had £50 following my payday pay so I paid that off there & then so I'm now officially debt-free!!

    **happy dance around the bedroom**
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
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