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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,439Posts
    • 7,126Thanks
    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- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
Page 39
    • debtfreeoneday
    • By debtfreeoneday 3rd Jul 17, 8:09 PM
    • 2,689 Posts
    • 9,125 Thanks
    debtfreeoneday
    Glad GF is OK!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1415.40
    MFW (01/15) £118,031.21 £97,904.90
    • Kittenkirst
    • By Kittenkirst 5th Jul 17, 7:30 AM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    NSD not going great....went to Sheffield yesterday for 9am, then had to drive back at 11am so filled up the car (can claim that back) but they also had a huge range of protein powder and sport supplements. Our BCAAs as running out and I swear by them for fending off my post run migraines so bought a tub- £22!

    I did pack two coffees and a bagel so I didn't have to buy breakfast, but I thought I'd be home for lunch so didn't pack that; ended up in the office as was having IT issues again so £3.22 on a chicken wrap & salad!

    I decided to go for an outdoor run and made myself go- hit 5.1 miles which was a struggle but pleased I pushed myself!

    Credit interest received on the joint currency account of £1.53 and a 44p tilly tidy both sent to the mortgage yesterday , £5.61 for July so far.

    Painter coming at 9am to cover over that patch on the wall then I'm in the office for a catch up with new boss and to get some pointers on what he wants me to focus on first. Veg chilli and rice from last week is defrosting ready for lunch and will take water bottle,coffee and a bagel too!
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • Kittenkirst
    • By Kittenkirst 5th Jul 17, 10:03 AM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    June Round Up

    Mortgage numbers: £680.42 capital repaid
    Overpayments £279.15
    Interest charged (for June): £408.55
    Standard payment: £810.20

    Daily interest now £13.62/day (down from initial £14.42/day)

    Savings: £155 increase.
    £475 into regular saving accounts
    -£320 from easy access savings (budgeted for- gf's 40th & download festival)

    Shareschemes: £190 increase (£50 SIP, £140 sharesave)

    Retirement: 12% salary into pension (4% me, 8% company)
    £10 into cash LISA

    Pretty good month however I am now in my (interest free) overdraft so July/August will be about getting back into the black
    Last edited by Kittenkirst; 05-07-2017 at 10:09 AM.
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • Kittenkirst
    • By Kittenkirst 6th Jul 17, 4:46 AM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    It's far too hot & I can't sleep as the little kittens seem to want cuddles at ridiculous times (good job they are adorable!!!)

    Lovely evening last night, bestie came over with his gf and treated us to Chinese, a thank you for the meals we've cooked for him at ours, which was naughty but delicious. We watched one of the Download festival highlights episodes from Sky Arts and it was a nice chilled out evening, there's a little leftovers but I ate rather too many of the chilli chips, especially considering I'm trying to slim, andso now feel over full and a bit bluergh!

    Works been very stressful recently and I've been feeling very much out of my depth. I have a new boss who is two levels above me (the structure is very strange I must say!) but I asked for time with him yesterday to go through some things stressing me out and he was great.

    Lots of these big things causing me headaches don't actually fall to me to sort, they are big system change projects, so he was really supportive with how to get these big things onto the right teams radars for sorting. I feel a lot better for the chat, and he gave me great feedback on my presentation to the big big boss on Monday morning

    Off up north in 1.5hours so will get showered and pack two coffees for en route, a cream cheese bagel (really getting my money's worth out of that freebie!)! And try and see if I can rustle up something for lunch.

    Waiting for a call back from tile place as one tile might have production issues...not sure if they've contacted gf whilst she's been away...hopefully it won't be a long wait as we've finally made a decision on what we want and it's only around £75 for the tiles we need. Then £150 for the tiler to do the work so £225 all n which is nicely under our ballpark budget we thought of around £400.

    Calling vets back this morning as their systems were down yesterday, as the boys have worked out how to climb the back fence so it's almost time for them to venture out further than the back garden! Budgets updated to show these spends (tiles & castration) from July 15ths pay rather than Augusts, will be a lean month but we're trying to cut down on the 'meals out' with different friends groups, having more people over to the house instead.

    We have a free meal to book at the restaurant from gf's 40th due to some of the drama a friend caused online (the curse of TripAdvisor reviews and a rather sharp tongued 'friend' with some uncomfortable convos with the restaurant senior manager resulting!) so will get that booked in soon and take advantage of a free night out!

    Other than that it is the slide on into payday.... 9 days to go and all the money shuffling commences again.

    Off to a good start for July with £200 gone into a regular saver as standard so that's a positive step; building those emergency fund pots up. I calculated I need around £5300 as an emergency fund (six month bills cover for my contribution- which is without cutting anything back) and hoping to reach this figure by early December across the savings and sharesave pots so we have access to funds if anything scary happens.

    eBay needs to happen this weekend, need to get my bum moving and just list some stuff....it is cluttering up the house so needs to go!
    Last edited by Kittenkirst; 06-07-2017 at 4:51 AM.
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • Jessy103
    • By Jessy103 6th Jul 17, 2:28 PM
    • 336 Posts
    • 1,353 Thanks
    Jessy103
    June Round Up

    Mortgage numbers: £680.42 capital repaid
    Overpayments £279.15
    Interest charged (for June): £408.55
    Standard payment: £810.20

    Daily interest now £13.62/day (down from initial £14.42/day)

    Savings: £155 increase.
    £475 into regular saving accounts
    -£320 from easy access savings (budgeted for- gf's 40th & download festival)

    Shareschemes: £190 increase (£50 SIP, £140 sharesave)

    Retirement: 12% salary into pension (4% me, 8% company)
    £10 into cash LISA

    Pretty good month however I am now in my (interest free) overdraft so July/August will be about getting back into the black
    Originally posted by Kittenkirst
    Great figures Kitten, well done!
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£2,672.76
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £275.96
    • Kittenkirst
    • By Kittenkirst 7th Jul 17, 8:15 AM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    Hurrah the toaster finally sold! In honesty I had forgot it was on fb selling until a lady messaged- collected it yesterday for £5 and I've paid it in. Need to call to shuffle the money and can OP.

    Spurred me on to list on eBay; I keep meaning to do it and then being lazy; if I can list five things to start on Sunday I'll be happy! all the clutter can go and we can make some little OPs.

    Didn't make it up north yesterday: got 1.5hrs away and was feeling so drowsy, had the windows open, radio on loud, coffee & water being drunk but it didn't really help. I pulled in at services, rearranged my meetings and drove to the next junction and came back. Went into the local office instead. I really preach to the guys I manage that health & wellbeing comes first, so thought I should take heed of my own advice. I slept from 8-7 last night

    Once in the office I discovered all of the Muslim people in my department had clubbed together and bought everyone a wonderful buffet to celebrate Eid; such a lovely gesture! So my packed lunch of pasta & pesto is in the fridge to eat today instead

    Kittens booked in for the 17th for castration my poor boys have no clue!

    Friends & their littlies over tonight to play with the boys, quite looking forward to it so will do some tidying up on my breaks etc to get the house ship-shape! Need to clean bathrooms tomorrow (my least favourite job!) - will try to wake earliesh and get it out of the way!
    • try harder
    • By try harder 7th Jul 17, 5:15 PM
    • 460 Posts
    • 1,436 Thanks
    try harder
    So sorry to hear about the accident but glad to know everything was OK and hopefully everyones settled down after the shock .
    Great savings ,you are doing so well ,keep it up .
    • Kittenkirst
    • By Kittenkirst 8th Jul 17, 1:46 PM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    Thanks Tryharder; gf is doing well, hasn't yet driven on the motorway yet, but she drove us to the gym, b&q & to Lidl this morning in her car and seemed alright with it

    Have done our grocery shopping for the week last night and today (tesco's last night and Lidl this morning as we knew we'd be gymming so could pop in). Total spend of £18.36 which isn't too bad; chicken breast, chicken sausages and pork mince bought, as well as some staples like Skyr yogurt, penne pasta and pineapple!

    I've been playing around with my accounts app that I religiously update and reconcile and found that for June our grocery spends came out at £104, which isn't too bad I think. We've had a lot of little shops though which probably makes it more expensive however the gf was away a fair amount in June so it was just me eating in; I often eat veggie meals which are cheaper so it's evened out somewhat.

    £4 OP made earlier today rounding down the joint account; we're now just counting the days down until payday on Friday!
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • Kittenkirst
    • By Kittenkirst 8th Jul 17, 1:47 PM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    Oh forgot to mention on our evening walk last night we came across loads and loads of blackberry bushes! Only a few small berries were ripe so we each tried one;planning to keep an eye over the next few weeks and go down with a few tubs for blackberry picking when the time is right
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • EatingTheElephant
    • By EatingTheElephant 8th Jul 17, 2:01 PM
    • 1,042 Posts
    • 5,483 Thanks
    EatingTheElephant
    I was eyeing up where the best blackberry bushes were on our ride today! I found a very quiet lane with loads of flowers dropping off so I'm hoping to pop back there when the time is right.
    • Kittenkirst
    • By Kittenkirst 9th Jul 17, 7:13 AM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    Morning, the cheeky scamps have woken me early with their mad dashes round the house, gf snoozing softly still though.

    we got lucky on Friday evening on our stroll and found brioche buns YS for 25p, so yesterday I halved two chicken breasts (make them flatter) and we made gourmet BBQ chicken burgers.

    I used chilli flakes, paprika & oregano dry rub and served with chargrilled pineapple, some lighter cheese, leftover Guac and sour cream. Put some frozen asparagus (bought when 59p a pack) & BBQ jersey royals on the side. YUM!

    Gf made a scotch bonnet and peach marinade for hers and served with onions. Tomatoes, leftover salsa and chill sauce.

    Oh and cheekily I tried two drinks we got free via cashback apps- the first one was horrid so was poured away (thank goodness it was free!) as couldn't think of any other use for it (bourbon & blueberry flavoured cider) but the second one, a damson cider was delicious and a total freebie treat

    Totally tasty and around £3 for all ingredients...dread to think what we'd pay if we ate that out!

    Taking mum & dad out to a lovely Indian buffet at lunch;£5.99 a head so not too dear and then going to have a wander round town. We have some extra in our joint account so going to use it for that. Want to spend some time with the gf's parents as they do look after us a lot

    Early start as in Manchester tomorrow morning On the brighter side though one of my team members has been with the company 15 years so going to get him a cake to celebrate with the wider team. I hope he likes it!
    Last edited by Kittenkirst; 09-07-2017 at 7:24 AM.
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • Kittenkirst
    • By Kittenkirst 9th Jul 17, 6:56 PM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    Finally listed three things on EBay- a pair of shoes that reached £24 in Jam but the buyer didn't ever pay , a thermostat and smoke alarm from when we had our Nest products fitted.

    Annoyingly eBay wouldn't let me list two separate thermostats so I will 'sell one like this' next week when the listing ends (& hopefully sells!)

    Also listed two books on fb selling as if I can get someone to buy and collect from the shop it will save on listing and posting costs we'll see how they go!

    There's more up in the pile upstairs and I'm trying to convince myself to go and do a few more bits but am not feeling very motivated. Gf is at the gym but I'm feeling wiped out after falling asleep on the sofa , pleased at least some of the stuff is now listed. 5 down, lots in the pile to go ;P
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 8:26 PM
    • 2,000 Posts
    • 8,506 Thanks
    shangaijimmy
    Good progress. I was determined to get 10 new things listed today but haven't. After sorting the garage and Mrs SJ sorting DS1's clothes all we have done is added to the pile!!

    Great sounding bbq by the way, very envious!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • ch4rly2002
    • By ch4rly2002 10th Jul 17, 9:33 AM
    • 194 Posts
    • 826 Thanks
    ch4rly2002
    Well done KK... I too struggle to list things on eBay so I'm pleased you had the motivation to do it eBay don't let you list two items with the same title, but I found that generally if you try to list the same thing again and then change the wording in the title slightly (maybe add the word 'used' or 'new') it normally allows me to post it. Might be worth a try? Good luck with the selling!
    Savings: Aim £10k. Dec 2016 £1,700 / Current £9,825
    Mortgage: Dec 2014 -£216,000 / Current -£197,300
    BTL Mortgage: Dec 2014 -£136,000/ Current -£125,800
    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
    CC 0%: Nov 2016 -£4,500 / Current -£3,613.77
    • Kittenkirst
    • By Kittenkirst 10th Jul 17, 9:19 PM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    Well done KK... I too struggle to list things on eBay so I'm pleased you had the motivation to do it eBay don't let you list two items with the same title, but I found that generally if you try to list the same thing again and then change the wording in the title slightly (maybe add the word 'used' or 'new') it normally allows me to post it. Might be worth a try? Good luck with the selling!
    Originally posted by ch4rly2002
    Charley you little treasure! That totally worked so the second thermostat is now listed and on a ten day auction or buy it now hurrah!

    Manchester trip went well- had a great 121 with my team member, who told me he's really enjoying working for me (it's been three months now) as he feels confident knowing that I have faith in him and am giving him room to try different approaches to his work I think that has just about made my month
    (He's a very good egg, a total expert in his job, just needs some space to try stuff and not be worried of things failing!)

    NSD other than petrol for work hire car, will submit for expenses in the morning so should get that back in a fortnight!

    I was feeling really lazy when I got home and gf had left for Scotland, but I went and made myself put my gym kit on and go to the gym. Managed a 5km run on the treadmill and 30mins on the stepper machine....it was a total sweat fest though, I am not one of those glam gym bunnies

    Made a delicious heck chicken sausage pasta when I got in, and half portion is cooking on the worktop for tomorrow's lunch. Not sure whether to go into office....it's company if I do go in, however that can be distracting plus I get tempted to buy canteen coffees or food, will decide when the alarm goes in the morning.

    Overpayment this month so far are at £20.33 made up of £7 toaster, £3 Pinecone, £1.53 savings interest and Tilly Tidies. Not too bad this side of pay day. Will log onto joint account shortly and see if any TTs can be done for today
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • Kittenkirst
    • By Kittenkirst 11th Jul 17, 12:15 PM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    Decided to work from home today and keep the kitties company! However working from home doesn't unfortunately equate to a stress free day. So I'm having my second cuppa of the day (usually on my 4th/5th by now!) and updating the mortgage OP spreadsheet

    From rough calculations on it it looks like the OPs made since we started the mortgage on 30th Sept 2016 we have cleared four months off there term and £3240.80!

    This is assuming we stay on the same rate forever which I know isn't accurate but working with what I've got! Four months off the mortgage just from sending across tilly tidies, some ebaying/carbooting and a regular payment. Not too bad really!

    Pinecone survey completed before work this morning so will have another £3 shortly, and expenses claim in for the petrol yesterday. Aiming for another NSD today but the fridge is a bit devoid of any fresh veggies (used up a lot that looked dodge yesterday!) but we do have a freezer full and the larder is stocked so I just need to think it through and not be lazy.
    Cereal for brekkie (on cashback so cost £1 a box but is a total treat!) and the chicken sausage pasta leftovers for lunch however my portioning is off as today's portion is huge!

    No word from the tile place so going to call them this afternoon and find out what's going on....although in honesty if we can put that back a month it would really help as £120 is needed for silver class fees for September that I hadn't budgeted in
    Last edited by Kittenkirst; 11-07-2017 at 1:07 PM.
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • Elephantchunks
    • By Elephantchunks 11th Jul 17, 11:32 PM
    • 85 Posts
    • 428 Thanks
    Elephantchunks
    Your figures are looking excellent Kitten you're making huge strides! Thanks for motivating me to list on eBay, it's giving us some extra pennies to play with. £104 for June groceries is Wow! I've got some learning to do to get it that low.
    Saved so far: July £1719/£2650 +Paid £380 Survey
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • Kittenkirst
    • By Kittenkirst 11th Jul 17, 11:43 PM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    Hi Elephantchunks, it's important to remember that I don't buy milk or toilet paper as we get that from gf's parents shop for free

    But the rest is from some YS buying, scratch cooking and not always having gf home (e.g. It's been dinner for one for me the past two nights) . I'm still very pleased as budget £30 a week as a guide.

    We now just need to get a better reign on the eating out front! :P
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • themadvix
    • By themadvix 12th Jul 17, 9:29 AM
    • 889 Posts
    • 4,332 Thanks
    themadvix
    In reply to your question about PA on Ch4rly's thread - I think it does make a difference if you're looking on a phone - a lot of the surveys require a laptop/desktop only. Are you checking throughout the day (if you can) too, as the spaces fill up very quickly! (There's a thread on the Boost Your Income board that sends alerts for PA surveys when someone notices that there is one - that might help?)

    I know what you mean about the silver class fees - I kept getting stung by my evening class costs, but I've just incorporated it into my monthly pots (evened out across the whole year ) so hopefully I'll have the money put aside by the time my cheque is cashed in September (it helps that our teacher owed us a lesson too, so bill has been suitably reduced!).
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Kittenkirst
    • By Kittenkirst 12th Jul 17, 11:49 AM
    • 1,439 Posts
    • 7,126 Thanks
    Kittenkirst
    Coffee break time for me

    Had a call back from the tile place, we're talking three weeks for the tiles to be back in stock which whilst annoying, it does help my July budget, hopefully the tiles and work can be paid for after 15th August (the next pay day!)

    Called a few places re fitting the cat flap and the prices vary so I have. One company want £295 for the glass pane and then £95 for the cat flap (microchip one). Another have quoted £290 all in. We budgeted for £250 so a little more than we thought. I'm off to check the £290 company for reviews online and then hopefully book in. Takes around 2 weeks from measuring and will use funds from instant savings to clear it.

    Went to Mr Ts last night and got some bread for £1, which will be credited through a cashback app, (also grabbed one for mum and gf will claim back on her app tonight) some basics mozzarella and some ys thyme (11p). I then made a mozzarella calzone for one (bread flour, yeast, tomatoe puree all in stock) with some fries from the freezer.
    Today is cheese on toast for lunch, and when I head to the gym after work will stop at Lidl (a 5 min walk from the gym) for courgettes to make pork meatballs which Ill bake in the oven and serve with courgetti-spaghetti ready for gf getting home around 9pm. Can't wait to see her tonight, I've been a bit anxious as she's back up in Glasgow with work but she's not driving still, can't help but worry after the other week still.

    Thanks to reading Ch4rleys thread I was spurred on and have opened an NS&I account with £100, and will set up a standing order for £50 a month come Nov/Dec time when my cash flow is looking better I love the idea of a no loss lottery, I know it won't gain interest but my instant access saver is only gaining 0.25% anyways so I harm there!

    Right, best drink up and crack back on with work!
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
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