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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,635Posts
    • 8,541Thanks
    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 £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
Page 53
    • Kittenkirst
    • By Kittenkirst 29th Nov 17, 9:24 AM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst
    It certainly works Kirtsypoos- they called me yesterday and after some discussion and me refusing to pay £121 a month or accept a £7 discount as a good deal (!!!) we now have the same package as before but without sports (we’re both not too fussed about that!) for £5 less than what we were paying on the intro offer- hurrah! So broadband, full tv package including HD and multiscreen all covered now for a decent price

    NSD yesterday but have made up for it today as have ordered some of he gifts my brother and his gf were after- used 10% off codes or Quidco where appropriate so all ordered. Also ordered 6 months of contact lenses online, also using a new customer 10% off code so should all be sorted for some time.

    Due to Christmas present spending I have moved some funds out of savings to cover the upcoming spends and ones already put through.
    I’ve also done some money transfers to gf for recent spends out as we are still putting as much as we can on her credit card so we can get the points for Oz!

    Experimental dinner yesterday- bought some frozen chicken mince from Iceland a few weeks back (£2.50 for 500g and 3% day!) and made a chicken mince chilli- added in some bendy veg (ninja blitzed some carrot ends left from grating in salads, rescued a very dodgy looking half pepper) and added onions, half tin black beans, chopped up butternut squash and some fresh chillis. I made it in the afternoon so we could just reheat once Home. Gf had it with a toasted wrap cut up like tortillas & spinach whilst I was at silver class, I had it on a jacket spud with leftover purple sprouting brocolli when I got in late. Yum and an additional portion in the freezer for another day.

    Not sure what to make for tonigt- I have yoga at 5.30pm which looking forward to. Just curled up on sofa with a wheat bag, a blanket and the two kittens having a cuppa. Will crack on with some silversmithing today- have an order for two pairs of earrings so will knock them up today to earn some pennies for the hallmarking fund.

    Pinecone survey just completed and off to check YouGov and Onepoll
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 30th Nov 17, 9:21 AM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst
    Completed the silver earrings order- lady ordered 3 pairs after seeing the sets of beads in the colours she liked. So all sawn, hammered, filed and posted off yesterday. After postage the £19 has gone to savings earmarked for the hallmarking fund (£76 so far- need to get £220)

    Last day of the month and a £1 TT just put through- total OP this month was £157.33 so for the year so far it’s £2,295.87 which is goodhoing, just need to keep persevering in December.

    Just been looking at prices of a perfume that I really like- I thought it was a cheaper one but a quick google tells me I got it very wrong! However I did find that people sell perfume testers for £3.75-£4 a time!!! :O we’ve been using up all our testers that we got at that Sheffield shopping centre open night. If only we had known!

    About to make some apple, blackberry and cinnamon porridge (grating it seems to cause less issues with the braces) and the apple gf brought home from work as she didn’t eat it

    Off to the Stonesour gig later today, going to get myself washed and dressed after breakfast (counsellor has told me I need to keep a routine) then going to give the house a Hoover and tidy up. Friends are picking me up at 3pm so we can get to Leeds & get some dinner before the concert. Very excited
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 1st Dec 17, 12:40 PM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst
    A last minute credit of £3 received from PineCone last night meant a pre midnight OP, taking the November total to a final £160.33

    Gig last night was fantastic, so impressed with it as a freebie from First Direct- we had access to a lounge bar but didn’t use it as friends Hubble was unable to join us so we got our drinks and joined him in the general area. We didn’t have to queue in the cold rain to get into the venue and they gave us vouchers for free French fries, mini tub of icecre and bottled water (value £12.50). As we received two we shared them amongst the three of us!

    Stonesour themselves were just fantastic- full on rock show with fireworks and streamers! Corey Taylor really got the crowd going and we were singing and dancing along in our seats. Totally what the doctor ordered.
    Arrived home at 2.30am so a bit tired today but it was worth it!

    Have listed my broken Fitbit charger and a set of Nightmare Before Christmas baubles on EBay, gumtree & fb selling so far this morning and made a bracelet for a commission (£14 to the Hallmarking fund once they pay next week!)

    Had a call with my boss this morning which whilst upsetting for me (I got a bit overwhelmed) it was a positive discussion so things are heading in the right direction. Have set some time aside this afternoon to work through some of the mindfulness exercises and will go to yoga this evening and have a nice night in with the gf and kittens tonight which should help

    We’re off to sunny Oxfordshire tomorrow for the Raymond Blanc cookery day course- a winters dinner party menu is the title of the course and we’re very much looking forward to it. What a wonderful gift from her brother!

    Off to find more things to list on ebay/Gumtree/Facebook!
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 1st Dec 17, 3:34 PM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst
    Another ten items listed on the Bay of E- finally listed the Fortnims wicker mini hamper and some of gfs hoodies. Fingers crossed for some sales in the run up to chrimbo.

    Pinecone survey completed and Yougov is now at £49.50- sooooooo close! That £50 would be amazing this year....come on
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • CathT
    • By CathT 2nd Dec 17, 9:21 AM
    • 5,379 Posts
    • 37,015 Thanks
    CathT
    Hope that 50p survey has popped up for you!

    Glad you've had some time off to recharge and collect your thoughts.
    Dec 2017 -
    part 1 - £79,783
    part 2 - £45,999
    Total - £125,782
    • Kittenkirst
    • By Kittenkirst 3rd Dec 17, 8:59 PM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst
    Thanks CathT, I think the time out is definitely helping me- it’s giving me some space to work through the anxiety and practice the CBT. The NHS counselling team have now been in touch to start that so I will call them tomorrow and see what help they can offer. It makes sense to try different things and give it all a go, it can’t hurt.

    I’ve been using the Headspace app and that’s going positively too, anxiety is still there but the washing machine stomach and panicking/crying is reducing a fair bit. Will keep working on it

    £6 tilly tidy (down to a round £100 in our joint bills account) and the £1.26 interest in the same account has started the December OPs off

    Had a fantastic day yesterday- it was the gfs birthday present for her brother of a full day cookery course at the Raymond Blanc cookery school. It was an early start leaving the house at 6am but well worth it- Le Manoir is a beautiful place and we got to meet Raymond Blanc who was very warm, charismatic and flirty! He chatted for about an hour with our group (which apparently is unusual). Gf asked him about his favourite dessert which he described to us and then insisted the tutor show us how to make it so we cheekily got an additional dish added to our day!

    We cooked some amazing food- Jerusalem artichoke soup, winter spiced duck breasts with celeriac pur!e, cranberry compote and a duck sauce, chocolate fondants, scallops with cauliflower, and Raymond’s favourite apple tarte mama blanc. We ate loads of the food and learned a lot as well as having a fantastic day.

    To balance out all that richness we went to yoga first thing this morning and then didn’t eat until dinner of homemade Kung Pao chicken and greens :

    Now just catching up with master chef and the Kittens- who are loving their catnip advent calendars....they keep rolling on the floor after :
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Watty1
    • By Watty1 3rd Dec 17, 9:06 PM
    • 2,894 Posts
    • 20,047 Thanks
    Watty1
    Sorry to hear you are having a rough time of things...but...a catnip advent calendar....how wonderful is that?? !!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Kittenkirst
    • By Kittenkirst 3rd Dec 17, 9:24 PM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst
    Sorry to hear you are having a rough time of things...but...a catnip advent calendar....how wonderful is that?? !!
    Originally posted by Watty1
    It is indeed, the boys love it- it was from John Lewis- we had some gift vouchers left so thought we would buy them something silly and cute for their first Christmas
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 3rd Dec 17, 9:51 PM
    • 639 Posts
    • 2,520 Thanks
    wishingthemortgaheaway
    When our mog was younger he adored his cat nip drop calendar, he had a manic hour or so, then slept in some form of stoned stupour.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • Busy Mee1
    • By Busy Mee1 4th Dec 17, 7:58 AM
    • 438 Posts
    • 1,729 Thanks
    Busy Mee1
    Hi Kittenkirst just catching up with a few diaries. I am so sorry that you haven't been well but glad to hear you are taking some time off work and giving yourself some TLC. The cooking and yoga sound fab x
    • themadvix
    • By themadvix 4th Dec 17, 10:03 AM
    • 1,149 Posts
    • 6,690 Thanks
    themadvix
    Catnip calendar sounds great! I made some cat nip treats for our boys last year and they loved them... but the funniest bit was when I'd dropped one on the path outside (trying to lure one back into the house) and later came across a neighbourhood cat having a whale of a time, rolling around all over the place - he must have enjoyed the dropped treat!

    Do you do any promotional stuff for your silversmithing? I have a friend with a crafty business who uses something called 'Hike those likes' on Facebook - it seems quite an active community of small (mainly craft) businesses - it's free advertising! Is the jewellery making something you'd like to get into full-time or is it more of a hobby?
    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
    • ch4rly2002
    • By ch4rly2002 4th Dec 17, 10:20 AM
    • 252 Posts
    • 1,062 Thanks
    ch4rly2002
    It sounds like you're using the time off wisely and focusing on your recovery, which sounds to be working. I'm so pleased that you have found some methods to help cope and with the anxiety and hopefully when you're feeling better you will have some skills to help stop it getting so bad next time. I also suffer from anxiety and have only ever been prescribed anti-depressants to help with it so I will definitely be trying some of the things you mentioned on here

    Well done on the eBay listings! I only wish I had the motivation to list so many items! I'm glad you had a great time at the gig and the cookery course. Sounds like the boys have been enjoying their advent calendar treat as well - photo on instagram? (I've lost your instagram link so I haven't seen any kitty photos recently )

    Keep smiling x
    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 -£3,436.66
    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
    • Watty1
    • By Watty1 4th Dec 17, 11:13 AM
    • 2,894 Posts
    • 20,047 Thanks
    Watty1
    These posts have just reminded me of a patch of catnip we have in the garden. A cat completely flattened it last year ...it was hilarious. Clearly a neighbourhood cat was popping in on a regular basis and running the gauntlet of the dog for a daily rollick. Kitty loves her catnip mice ...and Watty dog eats said mice....ah well .....
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Kittenkirst
    • By Kittenkirst 4th Dec 17, 9:16 PM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst
    I’m sat here chuckling at all of these drugged up blissed out kitties

    Whilst at yoga tonight the Baubles I listed on Friday sold for £40 plus postage. Hurrah! Money’s been withdrawn and £40 swiftly overpaid to the Mortgage.

    Add that to this mornings tilly tidy of £5.07 and December is at £52.33. Great start so far, we are now at £2,348.20 for the year.

    I’m checking Yougov daily and have been doing some prolific surveys- now at £7, hoping to get to £20 this month on that too. Fingers crossed.

    Time to make the bed and then have a shower ready for early morning yoga.
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 5th Dec 17, 12:40 PM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst
    Early morning yoga done this morning and don’t my hamstrings know it!

    I’ve cleaned up the house a bit since I’ve been back and have then created a mini toad in the hole for lunch- one egg, 2 tbsp flour, 150ml milk and then some mini sausages (left over from making the pigs in blankets) and some chopped onion. Will slather it with some gravy for a big lunch.

    Off to see a friend who is also off work at the moment with a support plan from her school- hoping that it will be a chilled chat.

    Off to my last jewellery class of the term tonight - quite sad really, I really look forward to it once a week- will need to make sure that I book out time weekly to practice and play in the silver room over the festive period.

    Right, off to make some gravy for lunch
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 8th Dec 17, 1:31 PM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst
    Today is the day!!!! Finally hit £50 on Yougov so have cashed out!!

    £50!!!!

    How awesome

    Prolific is at £14 so far which is great, and I’ve had 3 PineCone surveys this month already (which included one where I got to try the secret product!!)

    eBay sales are a bit hit & miss- fortunes hamper is now at £20 and is ending tonight, other items have minimal watchers or no watchers....will resist any that don’t sell as there’s no harm.

    Went to the John Lewis shopping event last night for some fizz and mince pies which was lovely and got to spend some time with the gf. We went to TGIs after and took advantage of the last day of the unlimited appetizers! Yum! Also managed to snaffle some free samples of various perfumes at Debenhams.

    Friend is over tomorrow to help with some DIY round the house ready for Christmas, gf and I are also planing on doing an inventory of the alcohol in the house in prep for the New Year’s Eve house party we are hosting
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 9th Dec 17, 8:26 AM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst
    Three eBay items ended last night: 1 has been re-listed, gfs Hoodie sold for £5.50 plus postage and the Fortnum & Mason empty wicker hamper sold for £29. It was definitely worth keeping that to list closer to Christmas.

    Will be packaging the hoodie and hamper this morning and getting to post office/ Hermes drop off (whichever is cheapest!)

    The hamper will be OP’d, Hoodie money going to gf for her credit card.

    Got loads of errands done last night- took a light shade back to next that was missing the fittings (bought end of August!!) the replacement is arriving Tuesday, bought a tv for spare room (gf used the cross trainer in there daily & we used vouchers!) and bought the mugs for brother & his gfs Christmas Eve boxes.

    Have been experiencing stomach issues for the past two weeks so have cancelled yoga this morning as feeling nauseous. We’re going to crack on with a deep clean of the house before DIY friend comes at 4pm to fit the tv, put up the canvas, finally install our security cameras etc

    Then tonight/tomorrow the tree can go up and bring some christmassy cheer to the house.

    46p TT made this morning, making it £58.79 so far for December!

    £3 requested from PineCone this morning and up to £17 on prolific now trying to maximize prolific until Wednesday and then will withdraw so can OP it this year hopefully.

    The £50 YouGov funds may take 30 days to clear- I’m hoping it’s closer to ten days to enable the OP this year but will have to have a nice start in Jan if not.

    Will OP the eBay cash tonight once I know how much postage it was so a nice £29 ish should go later today.

    Really trying to ensure we smash our year end stretch targets for our OP’s.
    I’ve signed us up to the 2018 overpayment thread with a target of £3k which is an increase of £500 on this years which given that we’ve now not got much junk stuff to eBay/Gumtree/Carnot will be thatbit harder. Plus we have the holiday to Australia to pay for too
    Last edited by Kittenkirst; 09-12-2017 at 7:35 PM.
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 9th Dec 17, 7:37 PM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst


    I finally managed to share my Etsy store today after getting 22 items all photo’d & listed.

    I’ve ran a little giveaway to run until Friday to get some interest generated and it’s resulted in my first Etsy sale! Hurrah, another £15 will be added to my hallmarking savings!

    Feeling very happy about this and dancing around he room this evening
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Watty1
    • By Watty1 10th Dec 17, 10:42 AM
    • 2,894 Posts
    • 20,047 Thanks
    Watty1
    All good ...and you have inspired me to list on ebay again. I was thinking no point but duly inspired
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Kittenkirst
    • By Kittenkirst 10th Dec 17, 11:43 AM
    • 1,635 Posts
    • 8,541 Thanks
    Kittenkirst
    We Have snow! we’ve been out in the garden with the Kittens who are finding it strange- Oscar is trying to hunt all the snow but is then attacking poor Hugo if he dares venture into the garden! They are both now exhausted and having a nap.

    I’ve forgone my yoga session this morning as don’t want to drive unless necessary so we are roasting a chicken (trying to do masala roast chicken).

    £30.66 overpaid last night- gf was happy for the hoodie money to be transferred as an OP so it went with the hamper funds

    We made the decision to pop some funds onto different types of bitcoins early last week and have been watching the value increase and decrease. We’ve only put in a small amount that we could afford to lose but thought why not. It’s up £90 after fees so far so have taken a small amount of the initial deposit out (25%). We’ll monitor it closely with the aim of slowly withdrawing the initial deposit if we can, whilst accumulating a small profit.

    Now off to have some brekkie and coffee
    Last edited by Kittenkirst; Yesterday at 6:47 AM.
    2017 MFW #20 - OP £2348.20/ £2150 106%. New target £2500 93.9%
    Last 3 months- Oct: £179.60 Nov: £160.33 Dec: £52.33

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
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