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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,431Posts
    • 7,084Thanks
    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- £3195. /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1441.10/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £71.17
Page 40
    • Kittenkirst
    • By Kittenkirst 12th Jul 17, 3:30 PM
    • 1,431 Posts
    • 7,084 Thanks
    Kittenkirst
    Thanks TheMadVix; I kept seeing other posts about cashing out a lot and couldn't fathom how as I check a few times a day but always on my phone. I've logged in via my laptop now and will check on my work breaks and hopefully get an it more via that route
    Emergency savings- £3195. /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1441.10/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £71.17
    • Viking_mfw
    • By Viking_mfw 12th Jul 17, 8:31 PM
    • 19 Posts
    • 87 Thanks
    Viking_mfw
    Hi Kittenkirst!

    I should have realised you would have kittens. We have two boys too - a bit older than yours - in fact it's their first birthday on Saturday. Hope yours bounce back from the op - they mostly seem to.

    Viking
    • Kittenkirst
    • By Kittenkirst 14th Jul 17, 8:36 AM
    • 1,431 Posts
    • 7,084 Thanks
    Kittenkirst
    Morning morning fellow MFW's & MSE-ers

    Unintentional day working from home today as my work car did not arrive meaning I can't travel today so I can catch up on loads of work and start really pushing forward on a project that's been weighing heavily on my mind.

    Good MSE day yesterday, took yogurt and sandwiches into the office. Was tempted to just buy lunch from canteen when I woke up late, but we have the free bread from the cashback app (already paid the £1 back!) and cheese and pickle in so I made myself pack the sandwich, and whilst it was no gourmet hotdog (that people were bringing up from the canteen!) it didn't cost me anything more and was healthier!

    Also, found £5 in my old wallet that I sorted out ready to charity shop that never happens to me so I was pretty chuffed (but also surprised I hadnt noticed a missing fiver!)

    Free fruit at work yesterday and didn't realise the gf grabbed two pieces so we have two bananas at home (we both ate the apples in the office).

    Pay day today and is £90 more than expected. I had a small (very small!) pay increase in April but because my annual bonus was paid in april the value of my pay each month had been different so it's hard to work out (to do with tax taken in April being so high then having to rectify itself!)

    Talking with gf and whilst our accounts sort themselves out (ie we spend less for a few months and get out of Interest free overdrafts) we won't pay the £89 overpayment this month as that £89 pays for the boys being neutered on Monday. This means for the yearly challenge I need to find other ways to bolster overpayments for the rest of the year to make up for it.

    For this month (our months run 15th-15th) we have
    -40th birthday night tonight, I'm driving to save on drinks costs!)
    -a day trip to Oxford to see my brother tomorrow,
    - two meals out next week (booked In months ago!)
    - one meal the following week which is free for food & drink from gf's birthday meal issue.
    - one of gf's nephews coming to stay overnight to spend time with the kittens and we'll take him to do some activities etc. Need to see what fun activities are of offer etc to have a great time with him but not break the bank

    So a busy and pretty spendy month, we'll need to plan carefully to keep the costs to a minimum especially as we want to get the cat flap installed this month too (taking from savings but with the aim to put back asap of course!)

    Wow this turned into quite a long post, I hope you're all still with me
    • Kittenkirst
    • By Kittenkirst 14th Jul 17, 9:05 AM
    • 1,431 Posts
    • 7,084 Thanks
    Kittenkirst
    Hi Kittenkirst!

    I should have realised you would have kittens. We have two boys too - a bit older than yours - in fact it's their first birthday on Saturday. Hope yours bounce back from the op - they mostly seem to.

    Viking
    Originally posted by Viking_mfw
    Hi Viking! Yes, we've not long had our little boys (got them in April) but they are already our little family! So naughty but so cute!
    Emergency savings- £3195. /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1441.10/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £71.17
    • Kittenkirst
    • By Kittenkirst 14th Jul 17, 3:02 PM
    • 1,431 Posts
    • 7,084 Thanks
    Kittenkirst
    TheMadVix & Charley- I've had a few prolific surveys today on on my lunch break including a £10 one I'll log on tomorrow and Sunday to do the other two parts but I'm so pleased. Thank you!
    Emergency savings- £3195. /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1441.10/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £71.17
    • newgirly
    • By newgirly 14th Jul 17, 5:03 PM
    • 5,676 Posts
    • 38,909 Thanks
    newgirly
    Sorry not popped by for ages! I was shocked to read about your poor gf's accident but glad to hear she was mostly unharmed -scary stuff
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 8.5lb lost
    • MichaelDH
    • By MichaelDH 14th Jul 17, 6:54 PM
    • 5 Posts
    • 48 Thanks
    MichaelDH
    Hey Kittenkirst

    It’s taken a couple of days but I’ve now read your diary from the start

    Well done on the amazing over payments you’ve made so far, you’ve done brilliantly!

    Our situation, mine and my boyfriends, is very similar to that of you and your girlfriend. We purchased our first home together last year, although yours is a shiny new build and ours is completely the opposite. For years I’ve had an obsession about buying the worst house in the best street, and that’s pretty much exactly what we did. We are now the proud owner of a 1950’s 3 bed semi, located in a small village in North Warwickshire.

    We took out a 90% mortgage, fixed for two years as 2.45%, although we chose a slightly longer 30 year term to keep costs down a little for the first couple of years as there’s plenty of money that needs spending on the house. We are hoping that when we re-mortgage in August 2018 we can knock a good few years off the mortgage term due to the equity we will have built up in the house. Fortunately, we know that we paid quite a bit under market value, even considering the amount of work required, and three virtually identical properties have recently sold, for £69k, £77k and a staggering £102k more than we paid just 11 months ago, so we are confident the house will prove to be a good investment.

    We haven't made any over payments on the mortgage yet, we've been spending every spare penny on the house, about £15k so far. In the long term we want to save for a kitchen extension to make it bigger plus add a separate utility and a downstairs toilet, so need to weigh up whether it's worth making over payments baring in mind we may eventually borrow more money, or whether we should just save the money so that when the time comes we need to borrow less... will have to do some research.

    Anyway, your diary has inspired me to try and make some cost savings where possible so going to make this my mission for the rest of the month and try to come up with a budget. Might even start a diary of my own to try and keep us on track!

    By coincidence, we also welcomed an Oscar in to our home a few months a go, although ours is a gorgeous puppy that's now 6 months old. He's a Cockalier, a mix between a Cocker Spaniel and a Cavalier King Charles, fully of energy and very mischievous. Having a pet in ours household has definitely made our house a home

    Keep up the good work and have a great weekend!

    Michael x
    Last edited by MichaelDH; 14-07-2017 at 6:56 PM.
    • Kittenkirst
    • By Kittenkirst 15th Jul 17, 8:11 AM
    • 1,431 Posts
    • 7,084 Thanks
    Kittenkirst
    Hi MichaelDh!
    Bless your heart for reading all the pages of my diary and for such lovely words.
    I've not heard of a Cockaller dog before but he sounds like a lovely dog (my favourite dogs are Cavalier King Charles!). What colour is he? Our Oscar is a little ginger Tom and just adorable; not so cuddly now. Luckily Hugo is a snuggly cat so we get the best of both!

    It sounds like you and your boyfriend have a great plan, and I must say even £69k over what you paid sounds fantastic!

    I would definitely start a diary to track your progress and also provide you some motivation. Sometimes it's easy to forget the little things which all do add up!
    Emergency savings- £3195. /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1441.10/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £71.17
    • Kittenkirst
    • By Kittenkirst 15th Jul 17, 8:15 AM
    • 1,431 Posts
    • 7,084 Thanks
    Kittenkirst
    Thanks NewGirly, I'm so happy that she came away physically unscathed. We saw some friends last night who didn't know so she was chatting about it and showed them the pic of the car. Still brings tears to my eyes just seeing that and realising how it could have been very different!

    Went out last night to a friends 40th; I drove and got free on street parking which also meant I didn't drink, but Diet cokes can be quite expensive! Gf and I shared a pizza before the party as met some friends, need to now check the spend but I think they'll be below the £25 I set aside in the budget.

    No plans today other than the gym and a house clean- bathrooms need their once over, all floors need a mopping etc so will crack on with that. We also need some groceries (cat littler has ran out) for the rest of the week so will go to Lidl/Tesco for that.

    Other than that a quiet weekend planned- yay!
    Emergency savings- £3195. /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1441.10/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £71.17
    • MichaelDH
    • By MichaelDH 15th Jul 17, 9:06 AM
    • 5 Posts
    • 48 Thanks
    MichaelDH
    Morning Kittenkirst

    Sounds like you had a nice budget friendly night out last night.

    I hadn't heard of a Cockalier before either... very popular in the US and Australia but a little unknown here in the UK. He's very much like a Cavalier in size but has the colouring and bounciness of a golden Cocker Spaniel. I resisted getting a puppy for a long time but Drew (boyfriend) finally wore me down. Glad he did, lovely to be greeted after a long day at work. Not very budget friendly, but we are thinking of getting another puppy in September so food and healthcare costs will double, but we think Oscar will love having a best friend to play with

    I think we have been very lucky with this house. We originally saw it advertised in the December and discounted it as thought it needed too much work. We decided that we would increase our budget so started looking at houses around £240K, which unfortunately still doesn't buy much house around here. We viewed another house in the same road and offered full asking price but someone else did too so it wasn't meant to be, and then this house came back on the market. It was advertised for £195k and we got it for £188k. So far we've spent around £15k, so savings have been depleted, but on the plus side we now have shiny new windows and doors, central heating (the house had never had central heating before), we've taken down a wall between the living room and dining room, had some electrical work done, we've blocked up a door, the living room and dining room has been plastered and we've also plastered the hall, stairs and landing and had an alarm system fitted. Quite a lot in a small amount of time really. Now saving for wooden flooring in living room, dining room and hall, new skirting and door frames and new internal oak doors.

    We are off to a craft fair in the village this morning. My friend Donna will be there selling her amazing home made soy wax candles. I absolutely love them so will be stocking up, there will also be a cake stall so of course I will be supporting that venture too! Got to have a few treats from time to time to keep the money saving plan on track

    Have a great weekend!

    Michael x
    • try harder
    • By try harder 15th Jul 17, 9:51 AM
    • 460 Posts
    • 1,430 Thanks
    try harder
    Morning Kittenkirst .All sounding good and lots of fun things this month too cant be bad .Keep up the good work .
    • Kittenkirst
    • By Kittenkirst 15th Jul 17, 4:49 PM
    • 1,431 Posts
    • 7,084 Thanks
    Kittenkirst
    Ooooh I do love a good craft fair! Hope it's gone well MichaelDH

    Today's activities have been going to be gym (ran 8km) then went to Starbucks to redeem our star for a free drink- skinny caramel macchiato went down very well after that run.

    Then to Lidl for some kitty litter and general groceries: £12.61 spent then moseyed on to mum and dads to catch up. Mum was given a big box of those thin digestives so she gave us a pack- free biscuits woop

    We then came home, cleaned bathrooms, changed bed clothes, hoovered floors and then had toast (the free bread from cashback) and beans for lunch (well I had macaroni cheese on toast as hate beans!)

    So a not too spendy day and got a fair few things done, as well as enjoying a few of the freebies!

    Now catching up with suits with the sleeping kitties, lovely gf, a cuppa and two biscuits! Yum
    Emergency savings- £3195. /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1441.10/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £71.17
    • MichaelDH
    • By MichaelDH 15th Jul 17, 7:38 PM
    • 5 Posts
    • 48 Thanks
    MichaelDH
    Hi Kittenkirst

    Sounds like you've had a productive day! Hope you are planning to take it easier tomorrow!

    The craft fair was great thank you, though a little spendy... bought three new candles (£25), four little cakes (£5) and two Dahlia plants (£3) so not too bad really. I'm in love with my new candles, Indian Summer, which I can't really describe other than it smells kind of tropical, Coconut and Lime wish smells exactly as you would expect it too, and Green Apple which smells so crisp and fresh. Can't wait to light them but have got another 10 at least to get through first as well as some of her wax melts.

    Drew's parents visited from Telford today and took us out for lunch so that saved us some money. Had delicious Turkey and Mushroom Pie, Chips and Veg, followed by Cherry Bakewell Sponge Pudding and Custard. The pie wasn't technically a pie, was just a pastry top, but will steal this idea next time I make a pie at home. I usually use a whole pack of ready rolled puff pastry to do the pie base and top and chuck away the left overs, but I reckon I could get six pastry tops from a roll at least, maybe eight. So lunch was free, tasty and educational!

    Going to chill together tonight and do some planning. Need to think about meals for the week ahead, have a look what we've got in the fridge freezer and cupboards and make a shopping list. We've agreed to try doing an Aldi shop tomorrow. Hope they sell nice tomatoes! Any idea what day the super six changes?

    Decided I will be starting a diary at the end of the month once I've got more of an understanding of our finances. Can't wait, I think it will really help keep me on track. Not planning to tell Drew that I'm doing it as think it might cause him to rebel
    • Kittenkirst
    • By Kittenkirst 16th Jul 17, 12:06 PM
    • 1,431 Posts
    • 7,084 Thanks
    Kittenkirst
    Ooooh those candles sound lovely! I'm still on a use up mission with my candles and incense as I have so so much and keep stockpiling! We started on some 'witches brew' candles last night which were a Halloween gift from a friend (it's my Christmas!) unfortunately they didn't give off much scent which was a little disappointing (they are wax lyrical brand so I expected more!)

    We've just made Sunday lunch for us and dad as mum is off for the afternoon: used two chicken breasts and made a lower fat chicken and mushroom pie, dads portion is cooking with roasts potatoes at the moment and will make some veggies and gravy when we take it round at half past for him.

    We'll finish ours off when we've dropped his round; used half a roll of pastry from freezer (from last pie making escapades) and added onions and peas to bulk it a bit more. Pleasing as we reduced the chicken quantity but it still looks plenty for us three.

    Hugo is now watching his programme- he loves coronation street it seems, he hears the starting music and comes running then sits and watches the whole episode on the arm of the sofa. So cute!!!

    He made us chuckle on Friday night as we were watching catch up tv in bed and he was enthralled by the Waitrose advert, so much so that he jumped up at the tv on the wall and fell on the floor. Funny & adorable!!

    We've been to mr Ts this morning as we were out of cornflour for the pie: spent £4.61 as got some YS pork and a YS chicken pizza and a big bag of onions. Shouldn't need any other groceries this week hopefully so we are still under our £25 a week budget

    Need to mop the kitchen floor this afternoon and if the rain holds off now the lawn! Allllll the chores
    Emergency savings- £3195. /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1441.10/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £71.17
    • Needhelpsaving
    • By Needhelpsaving 16th Jul 17, 5:13 PM
    • 563 Posts
    • 2,470 Thanks
    Needhelpsaving
    Mmmm, the pies sound lovely!

    FYI on the candles, it might be worth emailing to give feedback on the scent. Someone at work had a Yankee candle and the scent did not 'throw' (I didn't know this was a thing), but they offered her a brand new candle.
    It may not work, but worth a try?
    Target 1 - Emergency Fund Currently £228.03/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £1961.43/£4000
    • Kittenkirst
    • By Kittenkirst 16th Jul 17, 8:53 PM
    • 1,431 Posts
    • 7,084 Thanks
    Kittenkirst
    Good thought Needhelpsaving, I've emailed them now with feedback just now, thank you. I'm Not really after a freebie but good to give feedback as their candy corn candles were gorgeous so it's not up to their usual standard! I'm going to stock up on candy corn ones when Halloween comes around as should be all used up by then!

    Pie worked well and dad was very pleased. We cooked our pies when we got home and by having just the pastry top and using a cornflour based white Sauce it was a lot less calories, even with my 'healthy' portion of roasties! Had the leftover mac cheese on toast for supper tonight and gf had beans of toast as she's not been feeling great today.

    Two items sold on ebay! £7.50 plus postage for shoes (they reached £24 last time the buyer then didn't pay though!) and £5.20 for the smoke alarm (buyers already paid as well!) so £12.70 for our clutter
    The two thermostats have 3 and 4 days left on them so hoping that they wil both go.

    Didn't get anything listed today need to work through the pile and pick out the summery items and get those listed next week.

    I went onto the pensions forums today and started playing with the Money services pension calculator which is a little scary I must say. I'm currently putting 4% aside a month and my company puts in 8% however the calculator suggests to retire at 65 I need to be putting in closer to 16%!

    Working through my budgeting spreadsheet which goes on quite a few years and looking at when I could increase the pension contribution; my student loan should be cleared by my feb pay so that £92 can be diverted across to the pension without me noticing it so will bolster my contribution up to 8%, making 16% invested per month. I will then work to keep increasing it from there.

    I'm also planning on putting £10 a month into my Lifetime ISA, which I'll boost by £10 a month per year (so £20 next year, £30 the year after) and add any lump sums from regular saver payouts/sharesave payouts when they occur.

    Alongside this I'm going to be putting £50 a month into premium bonds from next year when my regular savers finish which will build that little pot.

    I'm hoping having these alternate stashes of funds will support with our retirement plans, despite me not turning 65 until 2048
    Emergency savings- £3195. /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1441.10/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £71.17
    • Kittenkirst
    • By Kittenkirst 17th Jul 17, 11:44 AM
    • 1,431 Posts
    • 7,084 Thanks
    Kittenkirst
    Coffee break time!
    Dropped the little boys off at the vets this morning at 8am and working from home today so I can go and collect them a little later.

    Talking with gf last night we are provisionally planning our big holiday, planning for Sept 2018 three weeks in Oz with maybe a little
    stopover in Fiji (if the climates good then!).

    Gf gets Amex points and has 53,000 at the moment. To get two return flights for Oz and pay only £500 in total will be 60,000 points so looking at what I can use her credit card to pay for and then pay the cash straight across (vet bill today, fortnightly petrol for example). Alternatively we can use the points for hotel stays in Sydney and the areas we travel to. Exciting to have a general idea and something to save up for!

    Prolific is going well- now up to £21.28 tracked so have to wait for it all to confirm and for one £10 survey I need to do two more parts on different days. So glad I asked about prolific as am having loads now through periodically checking on my coffee breaks

    We had some bad luck the other week as Girlfriends only pair of glasses broke- frames snapped! we've bodged them together with tape and she was initially going to go to Boots; I checked MSE and she tried the home trial of frames with GlassesDirect. She loved one pair and has ordered them this weekend, they do £30 off for a new customer and 241 on certain frames. She has paid £34 for two full pairs of glasses which I think is fantastic and they should arrive by Wednesday

    So much so that I've downloaded a free eye test voucher from my company and booked in for Wednesday evening (it's been two years since my last test!) and if my prescription has changed I will order some frames to try!
    Emergency savings- £3195. /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1441.10/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £71.17
    • Kittenkirst
    • By Kittenkirst 17th Jul 17, 1:10 PM
    • 1,431 Posts
    • 7,084 Thanks
    Kittenkirst
    I've just found £19k!!!!!!!

    So, thinking of pensions I went onto the company pension portal and it needed a reference number so I could log in. I dug out my meticulously filed pensions paperwork and was confused that I had two companies- Legal & General & Standard Life statements. Not sure how I'd never noticed this before

    Looking closer I realised that the Legal & general contributions stopped mid 2013, and that's when the standard life one started. I assumed that they had rolled the funds over but once I'd got logged onto standard life's portal there was no transfer of funds....I dutifully waited for lunch and called Legal & General to be told the pot of £14k from the Sept 2014 statement has grown to

    £19,322.75

    I feel like I've won the lottery!!! I've updated the address they hold on file, got my log on details and requested a statement of account for it.

    I shall also advise gf to give Legal & General a call as she's been with our company longer than me so possibly has two pension funds!!
    Emergency savings- £3195. /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1441.10/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £71.17
    • shangaijimmy
    • By shangaijimmy 17th Jul 17, 1:44 PM
    • 2,000 Posts
    • 8,494 Thanks
    shangaijimmy
    What a fantastic find!
    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
    • MichaelDH
    • By MichaelDH 17th Jul 17, 2:07 PM
    • 5 Posts
    • 48 Thanks
    MichaelDH
    Hi Kittenkirst

    Well done on the pension windfall! Bet that's made your Monday!

    Hope the boys operations go well. Lots of cuddles for Oscar and Hugo today. We had our Oscar neutered just over two weeks ago and it didn't seem to bother him at all, he was running around like a crazy thing the next morning.

    Your chicken and mushroom pie sounds lovely. I made something similar, chicken, bacon and leak cottage pie, delicious! We are usually greedy and eat the whole thing but this time I froze half of the filling and bulked out our meal with veg. Will top leftovers with a pastry lid at some point.

    Yesterday was really productive. Sorted out access to our joint account with First Direct, shamefully I don't usually bother logging in to check statements etc. so had forgotten password. Also opened up a separate saving account with First Direct so that we can keep bill and general money separate to savings.

    We planned our meals for the week ahead and did an Aldi shop which came to £36.02, at least £10 cheaper than equivalent shop at Asda would have been. Plus that included stuff for packed lunches too, so that will easily save us £10 per day between us!

    Have registered for Free Postcode Lottery so will have to try and remember to check that each day. 50p cashback on Quidco too! Also registered for Pinecone at the back end of last week but have't received a survey yet so will carry on waiting patiently
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