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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,608Posts
    • 8,373Thanks
    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.
    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
Page 49
    • ch4rly2002
    • By ch4rly2002 11th Sep 17, 9:33 AM
    • 240 Posts
    • 1,019 Thanks
    ch4rly2002
    It sounds like you had a lovely weekend, and the rain didn't spoil your fun I enjoy going on the 2p machines at arcades... I struggle to find much else that gives me that amount of enjoyment and for such a long time as £1 converted into 2p machines at the arcade! I'd say that's a MSE activity

    Your Oz trip sounds like it will be amazing, and something so nice to look forward to. How nice of gf's mum to put money towards the trip for her 40th birthday present - that's definitely a present she'll remember. I'm glad it worked out after the previous holiday disappointment earlier in the year. I hope this trip is as amazing as it sounds
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £11,200
    Mortgage: Dec 2014 -£216,000 / Current -£195,420
    BTL Mortgage: Dec 2014 -£136,000/ Current -£124,790
    CC 0%: Nov 2016 -£4,500 / Current -£3,506.43
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£31,565.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • Kittenkirst
    • By Kittenkirst 11th Sep 17, 5:51 PM
    • 1,608 Posts
    • 8,373 Thanks
    Kittenkirst
    Amazing what a day off can do for you. Works been a bit better today- stressful four weeks have been concluded and the thing I can't talk about is finally sorted and cleared

    Still not liking the job and looking at other options, but at least the stress and anxiety has reduced a bit!

    Payday on Friday- lots of payouts this month means money will be really squeaky, especially given the Bournemouth spends this weekend. Dentists appointment booked for Wednesday for general check-up, then into orthodontists the following Friday alongside a £400 payment being due :eeek

    Spent yesterday dreaming on forums, Pinterest and travel brochures of our Australia trip. Need to crack on with the commissioned bangles tonight whilst gf away. Just having my lunch and a cuppa then will get cracking
    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
    • Kittenkirst
    • By Kittenkirst 12th Sep 17, 8:21 PM
    • 1,608 Posts
    • 8,373 Thanks
    Kittenkirst
    Thanks Charley, we have plenty of time for saving for it so this time it should happen!

    Gym on Sunday was good but has ruined me- still struggling to walk today

    Gf is putting the £100 into the OP pot this month now all the work stuffs had blown over! Hurrah! Also my expenses have been approved so should receive £240 back next week.

    Pay day on Friday- tonight's dinner was an odd concoction for me: new potatoes saut!ed with cabbage courgette onion & bacon with stuffing on the side. Gf had eggs beans and bacon. Delicious and using up stuffs from the fridge.

    Took last nights leftovers to work today so another NSD achieved hurrah!

    Dentist appointment tomorrow so fingers crossed that my teeth are doing ok, ready for next weeks braces!
    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
    • Kittenkirst
    • By Kittenkirst 13th Sep 17, 10:59 PM
    • 1,608 Posts
    • 8,373 Thanks
    Kittenkirst
    £4.02 OP'd today so now at £11.24 for September.
    Onepoll is at £39.65 so itchingly close to the £40 payout- aiming for Friday to hit the magic £49 for auto payout.

    Prolifics been quiet recently: need to take actual lunch breaks and check
    If any studies are available.

    Lunch is made for work tomorrow using some just OOD and some bacon gifted by parents (they had too much!)

    Small spend on Starbucks card today- I first used my free coffee from using the card and then bought a small coffee later. It's a prepaid card so not too bad, and was nice to catch up with my old colleague
    Also whilst waiting for friend to arrive popped into Lidl to buy 2x mini tortilla wraps as we eat a lot of them and they have a good shelf life (& are half the price at Lidl) so 98p for two packs.

    My pension increase has been accepted which means it'll take the increased amount from octobers salary: which means £17 off my net pay but an increase of £80 per month into pension pot (thanks to work doubling my contributions and the tax/NI benefits.

    The pension alongside the SIP contributions and the small Lisa payments mean I'm making little payments to the retirement funds currently.

    A friend has sent me some links regarding matched betting: it peaks my curiosity but worries me that I'll get a bit carried away playing....will mull it over some more.
    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
    • themadvix
    • By themadvix 14th Sep 17, 7:31 AM
    • 1,117 Posts
    • 6,428 Thanks
    themadvix
    Glad you had a good weekend and it must be great to go back to work with all the trouble resolved, even if you're still going to look elsewhere.

    Pension contributions sound good too
    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 14th Sep 17, 5:13 PM
    • 1,608 Posts
    • 8,373 Thanks
    Kittenkirst
    Payslip was in today and pension contribution change happened this month already so that's a big positive

    Had great luck with prolific on my lunch and earned £7.65 so just awaiting it clearing and now need only 10p on Onepoll to get cashout!
    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
    • Kittenkirst
    • By Kittenkirst 14th Sep 17, 6:08 PM
    • 1,608 Posts
    • 8,373 Thanks
    Kittenkirst
    Thansk TheMadVix, yes much better without the cloud over me: my manager said this morning he's not sorry for what he did. Makes me even more galvanized to look for other opportunities!
    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
    • themadvix
    • By themadvix 15th Sep 17, 9:43 AM
    • 1,117 Posts
    • 6,428 Thanks
    themadvix
    Wow, he sounds delightful! I don't blame you!
    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 15th Sep 17, 12:06 PM
    • 1,608 Posts
    • 8,373 Thanks
    Kittenkirst
    Hmmm so a good colleague (& friend) is off unwell for the froseeable so I've been asked to pick up their team and work, and to only work on business critical pieces of my work. I've agreed (shows the right flexibility and support for the wider team) but this means work will get more hectic.
    Will do my best but will be making sure I contact my manager more and ensure he's giving me the right level of support rather than just cracking on as I usually do!

    Finally hit payout on Onepoll and requested my £40...it says will take up to 28 days to clear though booooo!

    Prolifics up to £11 with a few more £'s pending- aiming to earn £2 per day on my lunch breaks to really bolster this for the end of the year

    A Hard Rock Cafe pin on eBay sold last night so I've dutily OP'd that, will post this evening; £11.20 more for the OP pot.

    It's payday today so money shuffling all done so have made the monthly OP early (mortgage goes out on 20th so I used to send the same day, but now I send it on payday as it's 5 days of less interest!) so £109.80 also sent over.

    Making september so far: £132.24 so not too shabby at all considering when we started I wanted £75 a month!

    Food shop tonight so we're doin a bit of meal planning and making a proper list so don't get caught out- the good thing about the additional work is that it means more supplier visits and this one does lunches- free lunch (take the positives where I can!)
    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
    • Kittenkirst
    • By Kittenkirst 16th Sep 17, 7:05 AM
    • 1,608 Posts
    • 8,373 Thanks
    Kittenkirst
    Big grocery shop done last night to the princely time of £22.42; two boxes worth in always so impressed with how cheap Lidl really is v
    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
    • Kittenkirst
    • By Kittenkirst 16th Sep 17, 10:16 PM
    • 1,608 Posts
    • 8,373 Thanks
    Kittenkirst
    Good gym workout this morning so I'm feeling all virtuous today!

    Friend is having some relationship troubles so she came over and then stayed for dinner- we made a homemade healthy Nando's- grilled Nando's chicken, homemade coleslaw, spicy sweet corn & oven cooked fries. Yummy!

    Oddly we found out her hubs collects something we are selling on eBay so she bought two from us sold them to her just for the price we paid as it declutters them from our house £19.51 OP'd to the mortgage and an additional £2.5 saved on postage too.

    Total is now at £154.35 which is looking very healthy.

    Mum & dad over tomorrow so making two veg lasagnes: one to share tomorrow with a garlic bread, and another to portion for the freezer as I start back at silver classes this Tuesday so good to have homemade freezer food.

    Now all tucked up watching house of cards on Netflix with a kitten each snuggled on our chests perfect!
    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
    • MichaelDH
    • By MichaelDH 17th Sep 17, 9:26 AM
    • 100 Posts
    • 470 Thanks
    MichaelDH
    Morning KK

    Glad the work situation sorted itself out, but sorry to hear that your manager is still being a d***!

    We've given up on Aldi now. I found it a bit frustrating not being able to get everything I want, so now we are back to being Asda shoppers and managing to get everything under one roof. On the upside we've been checking receipts and printing off the price guarantee vouchers so it's probably working out roughly the same.

    Must say veg lasagna sounds delicious
    Starting Balance August 2016: £170,199.00 | Current Balance (4th October 2017): £164,720.53
    OP's to date (starting August 2017): £906.58

    Target: Balance below £160,000.00 by June 2017
    • Kittenkirst
    • By Kittenkirst 17th Sep 17, 11:41 AM
    • 1,608 Posts
    • 8,373 Thanks
    Kittenkirst
    The veg lasagne is all done but we suffered with the issue of making too much like normal. The plan was to make two trays; one normal for me, one spicier for gf and parents and then to pop the rest in the freezer.
    We've also managed to make an additional spicy one for the freezer big enough for us two to share

    90p tilly tidied across to the Mortgage this morning and the Sky engineer has been and fixed our Sky Q (been down for ten days!) but means we've lost all of our recorded shows. Bummer.

    £14.60 on Prolific with another £6 pending approval. Hoping I can get £25 minimum this month to bolster the OP. Also really hoping the Onepoll £40 clears this month but takes up to 28 days so probably not likely.

    Woke up to a fb message offering £5 for the IKEa mirrors listed at £10. I've messaged them back saying I'll take £7.50 so fingers crossed they also go this week.

    Aldi does okay for us, but I agree it doesn't always have everything we need so we tend to mix it up between Tesco (there's one in walkable distance), Aldi, Lidl and sainsburys (by work). That way we keep the budget down but get what we need.

    I have some nightmare before Christmas baubles to pop onto eBay for Halloween/Christmas so will try and list them tonight as well as finish those baby anklets tonight so they can be posted tomorrow
    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
    • MichaelDH
    • By MichaelDH 17th Sep 17, 12:45 PM
    • 100 Posts
    • 470 Thanks
    MichaelDH
    Would be ace for you to get to £25 on Prolific by the end of the month. The money from surveying really adds up. I've started a spreadsheet to track it as I'm a bit of a geek like that... also thought it might be useful for others when I report the final OP totals for the month to see where the money has come from

    Drew has been outside since 9am cleaning both cars bless him, so I better get off the internet and try and make it look like I've been busy doing housework all this time
    Starting Balance August 2016: £170,199.00 | Current Balance (4th October 2017): £164,720.53
    OP's to date (starting August 2017): £906.58

    Target: Balance below £160,000.00 by June 2017
    • MichaelDH
    • By MichaelDH 17th Sep 17, 12:50 PM
    • 100 Posts
    • 470 Thanks
    MichaelDH
    Oh, forgot to say, if you haven't already give SwagBucks a try: http://www.swagbucks.com/p/register?rb=38802866

    So far this month Drew has withdrawn £25 and I have withdrawn £15 so it adds up very quickly. Surveys are normally 50-80 SwagBucks per complete and currently 800 SwagBucks is £5
    Starting Balance August 2016: £170,199.00 | Current Balance (4th October 2017): £164,720.53
    OP's to date (starting August 2017): £906.58

    Target: Balance below £160,000.00 by June 2017
    • Kittenkirst
    • By Kittenkirst 17th Sep 17, 1:52 PM
    • 1,608 Posts
    • 8,373 Thanks
    Kittenkirst
    Do you have a referral code you can message me Michael and I'll check t out
    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
    • MichaelDH
    • By MichaelDH 17th Sep 17, 5:31 PM
    • 100 Posts
    • 470 Thanks
    MichaelDH
    Do you have a referral code you can message me Michael and I'll check t out
    Originally posted by Kittenkirst
    Yep, this is the referral link: http://www.swagbucks.com/p/register?rb=38802866
    Starting Balance August 2016: £170,199.00 | Current Balance (4th October 2017): £164,720.53
    OP's to date (starting August 2017): £906.58

    Target: Balance below £160,000.00 by June 2017
    • Kittenkirst
    • By Kittenkirst 20th Sep 17, 10:00 PM
    • 1,608 Posts
    • 8,373 Thanks
    Kittenkirst
    I've signed up and started earning points- not sure if I'm doing it right but I'll persevere.

    £4.96 earned from TSB for cashback on contactless payments- that's gone across as an OP this evening.

    Spendy day today as I had the brace fitted on my top teeth- no issue getting it on, it was uncomfortable with the mouth stretcher and application, however this evening has been pretty painful so instant mash & gravy eaten with a spoon for dinner!

    Orthodontist gave me the crushing blow that I can't eat curry with these braces as they Are white they will stain awfully and she suggested cutting down on coffee. On coffee!!!!

    No more earned on prolific as was out at meetings yesterday and today went out at lunch for the afternoon for teeth. Will try on lunch tomorrow.
    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
    • themadvix
    • By themadvix 21st Sep 17, 9:46 AM
    • 1,117 Posts
    • 6,428 Thanks
    themadvix
    With Swagbucks make sure you sign up to the Swagbucks codes thread in the Boost you income forum - you'll get an alert every time there's code - often one about 6pm each day but sometimes they have special days (the pun they use to name them escapes me!) when they have lots, and it can really add up then.

    I don't know how people get as much as they say the do from there - all the switching apps for TV stuff is beyond me, but a £5 every couple of months is fine as far as I'm concerned - I work my through the checklist on the left-hand side, skipping the bits that don't work for me (Discover - I don't want to sign up to stuff) or aren't available - a decent survey! If you meet your daily target (top of the screen; for me usually only when I've found a survey), at the end of the month they'll send you an email reminding you to collect your bonus - this can add up if you've hit the target a few times in a month.

    Not good news about curry and coffee.... but short-term pain for long-term gain as they say!
    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
    • Fortune Smiles
    • By Fortune Smiles 21st Sep 17, 9:52 AM
    • 2,570 Posts
    • 21,137 Thanks
    Fortune Smiles
    I've signed up and started earning points- not sure if I'm doing it right but I'll persevere.

    £4.96 earned from TSB for cashback on contactless payments- that's gone across as an OP this evening.

    Spendy day today as I had the brace fitted on my top teeth- no issue getting it on, it was uncomfortable with the mouth stretcher and application, however this evening has been pretty painful so instant mash & gravy eaten with a spoon for dinner!

    Orthodontist gave me the crushing blow that I can't eat curry with these braces as they Are white they will stain awfully and she suggested cutting down on coffee. On coffee!!!!

    No more earned on prolific as was out at meetings yesterday and today went out at lunch for the afternoon for teeth. Will try on lunch tomorrow.
    Originally posted by Kittenkirst
    Hi Kitten

    I had braces in my 40's and they do stain terribly with curry or anything with turmeric in it. So easy to forget when you first get them. They do become more comfortable as time goes on.

    Fortune x
    Mortgage: 2.02% paid House Deposit Contribution: 84% Emergency Fund: 43%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
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