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  • FIRST POST
    • f0xh0les
    • By f0xh0les 12th Aug 16, 1:55 PM
    • 1,036Posts
    • 7,603Thanks
    f0xh0les
    22 Foxhole East
    • #1
    • 12th Aug 16, 1:55 PM
    22 Foxhole East 12th Aug 16 at 1:55 PM
    I just made my first mortgage overpayment.

    We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!).

    So far I have replaced 2 Velux on the attic floor so the rain stays on the outside (very rotten frames)

    Have had a full electrical rewire as the wiring was underneath the wallpaper - not boxed or chased in, just behind the wallpaper and skirting boards. Got a shiny certificate and everything now!

    Decorated 4 kids bedrooms and put down new carpets in 3 of them

    On the still to do list for this year

    - new roof and insulation - nails degrading! Snow could cause a huge problem. Better get it sorted really.

    - New shower and bathroom flooring - water damage, holes in floors (!) we should have moved the bath mats when we were viewing, they hid a lot of damage.

    Plastering and decorating.

    Nice carpets!!

    Shelves!

    That will be the two top floors done and I can kid myself I am 2/3rds of the way finished

    Not attempting anything on the ground floor until 2017 - so no talk of log burners,knocking down walls, kitchens, damp proof courses, shower rooms or the like. That way lies madness, shhhhh, next year, at some point...

    So, let's talk money.
    House cost £160,000
    Deposit was £41,315 (sale of previous nasty Manchester Foxhole)
    Amount borrowed £118,685

    We got a 1.94 % fixed for 2 years with Accord which rises to something ridiculous like 7% so remortgage time in 2018

    We will repay £1.82 for every £1 borrowed over the 26.5 year life of the mortgage unless I overpay

    I have just rung Accord, found out I can repay up to 10% of the total amount borrowed (each year without penalty), can make as many overpayments as I like per month without penalty, but cannot check on the balance online. I have to ring up a silly automated 0345 number that will tell me what the balance is! I will have to remember to ring it on my mobile so it is free.

    Monthly Mortgage repayment £467.00
    An overpayment of £200 a month would knock 10.5 years off the life of the mortgage.

    We are planning on spending 5 years living here, and them moving elsewhere due to the nature of DH's work. So, lets see how much I can throw at this mortgage.
    MFW May 16 £118,340
    October 17 - £109,495.00
Page 15
    • f0xh0les
    • By f0xh0les 8th Mar 17, 8:27 PM
    • 1,036 Posts
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    f0xh0les
    Was wondering about you when the budget was on Bobs, could not believe it when Hammond started on the self-employed! I nearly dropped my paint brush.

    I have a problem with charities having massive London head offices in ridiculously priced areas, while their shops are run by volunteers with one paid manager between a dozen shops.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • Bobarella
    • By Bobarella 8th Mar 17, 10:39 PM
    • 10,454 Posts
    • 69,667 Thanks
    Bobarella
    It is sadly the way the wind appears to be blowing. Feel so sorry for all the poor schools facing enormous, life changing cuts too.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Kittenkirst
    • By Kittenkirst 9th Mar 17, 7:32 AM
    • 1,608 Posts
    • 8,375 Thanks
    Kittenkirst
    We have a Farm Foods, RSPCA charity shop, specsavers, wool shop, the council office, Costas, a newsagents, Sainsburys, cheapy pile it high sell it cheap pop up food shop, Card shop, Santander, Natwest, Iceland, Cancer Research, Another charity shop, Oxfam, Vision charity shop, independent cafe, £land, Dunelm, Edinburgh Wool Mill (or whatever it is called)Boots and Superdrug. Then around the corner is Greggs, Mind charity shop, shoe shops, and 2 other charity shops. So a good range really. Quite a well populated area, lots of footfall and pretty decent parking for a pedestrianised area.

    Mind you, at the moment, all I am seeing is B&Q and Aldi.
    Originally posted by f0xh0les
    Hey Foxy, I think you totally live in the same town as me (begins with a W). From your intro I'd always assumed you lived more central Leicester

    I think the town has a lot to offer, I just have to close my eyes to walk past the cheesecake shop!!
    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
    • f0xh0les
    • By f0xh0les 9th Mar 17, 6:29 PM
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    • 7,603 Thanks
    f0xh0les
    Oooh, its just like Where's Wally!! Here I am!! You found me!!
    I am in 'W' twice a day as the kids are in school there. We moved to Leicester and rented on the Little Hill estate until we found our house to buy. Now we are down the Welford Road, on the wrong side of the road to CP! but let's face it, I couldn't afford a 2 bed in CP. I did laugh though, when they stuck an advertising thingie through the door for the Wheatsheaf Works ( red brick victorian bootmaking factory which has been a victim of facadism - I love that word so much) - it said 'only three minutes walk from the heart of CP's fashionable shopping area'. Maybe the area will have wealth creep... That being said... a house 15 doors up sold for £210k last summer - zoopla just updated its sold price .

    I spent the whole day painting doors. Sooo boring, so I made a bakewell tart, a tray of flapjacks, and 7 pasties. They are the kids lunch tomorrow and a snack for later on, as we are only doing noodles for supper tonight, and the two biggies will suddenly be starving at 8pm (the other one is for DH)

    DS1 has come home with a letter from school - a trip next Feb half term for £1650 No educational value whatsoever. 2 days in New York (shopping) and 5 days skiing. I said no. He asked DH, who said ?????????????????????? When did it become normal to let the school take your kids on holiday for you??? and America?????

    DH was brought up in the Irish school system and I think they went away for a weekend to Rathlin Island and got eaten by midgies. Then before exams he went away on a week long residential that he got thrown out of as you were only allowed to speak Irish, and he is not Irish and probably went on a rant about cultural appropriationand playing Iron Maiden (you were only allowed to play Irish music). His mum had to go and get him. Can you guess who told me the story? She still feels the shame.

    Mind you, he was horrible up until he was 21- I know, I met him when he was 19.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • f0xh0les
    • By f0xh0les 18th Mar 17, 5:29 PM
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    • 7,603 Thanks
    f0xh0les
    I have been quite a busy little Fox this past week or so.

    The bedroom doors are all painted and the handles and fingerplates back on, they look good, even if I do say so myself.
    The shelving in the chimney alcove in the back room has moved loads of books and cds out of the way and it is looking quite smart. So have half the room very orderly, and half that looks like a car crash. I need a smaller table/desk than the old dining table I am currently using to sit the computer and printer on. It is just accumulating tat on it, and kids' drinks glasses, and crisp packets, and sleeping bags (?) and just utter flotsam. I have children who cannot use a wastepaper basket.

    I think I have found the right level of buildings and contents insurance that should cover us, but need to wait for a week or else I will have to play jiggery-pokery and take money from the savings to pay for it. Next week the kids savings accounts mature and they skim the interest and I get the capital back to drip feed back in.


    Also have been looking at another energy swap. I got on to a 12 month fixed price deal with EDF that ends at the end of April. Even the absolute cheapest new deal is going to be £20 a month more than I am paying now. But then I am on a ridiculously good deal. Sometimes prices have to go up I suppose!
    In other news....
    We have been living with the smell of cannabis for a while now, we thought the neighbours must just be stoners for the first week or so. But then the smell was there all day, every day and night, on the middle floor. All the other fireplaces in the house have been bricked up, but the middle floor ones are not, and then I spotted the tell tale black mould starting to grow on the inside of the windows and that is how we knew we had a cannabis farm next door. The police raided and found them busily harvesting and ready to bag up. Caught red handed. Apparently they have completely gutted the house, there is not an internal door and every room was being used for cultivation except the front room where two young lads had made camp – we saw them move in in January with their backpacks. Nobody seems to know who owns the house, but they bypassed the electricity meter and have made a real mess of the place. So we are in the market for new neighbours! The police removed all the plastic sheeting and opened all the windows and the whole street stank of weed for a good 24 hours!
    Felt so sorry for the police having to be in the building, they all looked the worse for wear after having been in there for any amount of time.
    Rozzers 1 : Scumbags 0.
    So that was our excitement for the week. Was very funny to see all the curtain twitchers (from behind our own non-twitchy curtains)


    DS3 has steamed through The Hobbit (3 days) and has embarked on book one of The Lord of the Rings and is loving it.


    After all the extra car repair costs (nearly £500), and the extra £120 for getting the kids to Ireland, and the new washing machine, I am feeling quite poor right now and it is only half way through the month. But the Easter holidays are paid for so that is something. Just need to juggle money for a week and I will be fine again, just need to keep a lid on spending until payday.



    I still have £2k in the savings account for emergencies, but I wish I had enough to just double glaze the house, fix the shower, and have the roof done. Then I could say I had 2/3rds of the house finished. The only way that is going to happen is if someone dies (!) or I take out a loan, and I don't want to take out a loan or I stop making mortgage overpayments, and I don't want to do that either.



    Last option – get a job, which would make saving easier, but would stress out DH as he would feel he had know what he was supposed to be doing and where he was supposed to be. He has become accustomed to being well looked after and fed – amazing how quickly he forgets how to fend for himself when I am around, he copes when I take the kids away, but I fear he relies on takeaways in the evenings, like he does for his lunches at work (although I managed to 'accidently' cook too much this week and he took lunch from home twice – minor miracle).


    So today was just a cheap hour in the park with DS3 and 4 and a frisbee and the play area.
    No spends, doing very badly this month with only 4 NSDs to my name.


    The Easter bunny has arrived! Two parcels came with a total of 8 Easter eggs, 4 bunnies and 4 packs of vegan equivalent to Rolos. Am I supposed to make them wait until Easter? I usually do, but if we are away.... we would have to take them with us...... or should I make them wait until we return.


    I should have enough food after my inventory + menu planning + shopping on Friday to last us for all main meals, but I will need to get some lunchbox tat (crisps and small cartons of fruit juice) after Tuesday.


    I feel like all I am doing is making lists. I need to win the lottery. A friend of mine managed to win a lot of money on a scratch card. Enough to walk into a garage and buy a brand new electric car outright.


    I do not know what I am going to do, but when I do, I shall tell you.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • Bobarella
    • By Bobarella 18th Mar 17, 7:50 PM
    • 10,454 Posts
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    Bobarella
    Hi Fox

    Sounds like you've achieved so much! Your house really sounds great.

    How awful living with that smell next door for so long. Did your children ask what it was?

    On the finding money for improvements thing, your baking sounds amazing. What about getting in touch with a few cafes to see if they'd buy your food? You would need to have your kitchen certified by the council and take a basic food safety course but that is very cheap, and all done online multichoice (should you leave fish out of temperature control for 24 hours?). For example...

    You could easily sell one cake for £20...Just saying
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • f0xh0les
    • By f0xh0les 19th Mar 17, 8:39 AM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Bobs, I would not get a food hygiene cert for our kitchen! It is purely state of the Ark. I am definitely a family baker.

    One of the mums at the school gate is a cake maker. She seems quite stressed most of the time. At Christmas she was always complaining about how many christmas cakes she had left to do, and how many chocolate orange cakes there were. I could understand the complaining if she were doing it for friends and family, but you know she charges a lot. She does all the fancy icing flowers, the cakes look really beautiful, but still, it would have to be a major occasion before I would think of charging that amount for basically flour, sugar, oil and cocoa. I think I would be embarrassed to ask for that amount. See what a carp businessperson I would be?
    I also do not understand cupcakes. 1/3rd cake 2/3rds icing. What is the point of that? I would rather have a layer cake if I was going to mainline those calories. And £2.50 a pop?? Are you insane? I am now speaking as feeder of 4 kids. Coffee and cake out somewhere is £30 before your bum hits the seat. And don't even start me on Buddhist cafes or this will turn into a half hour rant and you will all back away nodding and smiling at the crazy lady whispering 'oh my god, who can be angry with Buddhists??' Yeah, well, Karma Buddhists, Karma mate.

    I would love to go on a cake decorating course though, I doubt the boys would appreciate it, but with a cake being decimated in a day, I doubt the effort would be worth it. I would however be able to write obscene slogans.
    There is a gap in the market for obscenity baking.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • f0xh0les
    • By f0xh0les 19th Mar 17, 8:47 AM
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    • 7,603 Thanks
    f0xh0les
    Hi Fox

    How awful living with that smell next door for so long. Did your children ask what it was?
    Originally posted by Bobarella
    It was only noticeable on the middle floor - where the fireplace holes have been opened up, and the smell came and went, that was why we thought it might have just been a stoner next door, but then it was constant for a week, and yes, DS2 asked what the smell was so that was when we called in the experts. We figured if he thought to mention it, it must be strong. Anyway, all smell gone within 24 hours.
    Still no sign of the owner.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • Kittenkirst
    • By Kittenkirst 19th Mar 17, 9:23 AM
    • 1,608 Posts
    • 8,375 Thanks
    Kittenkirst
    Eeeesh what a drama with the cannabis house- goes to show you never know what goes on! Well done for spotting the black mound, I wouldn't have known it was a sign of that!

    Also, 4 NSDs is better than none (in feeling very positive today)
    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
    • f0xh0les
    • By f0xh0les 19th Mar 17, 10:01 AM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Eeeesh what a drama with the cannabis house- goes to show you never know what goes on! Well done for spotting the black mound, I wouldn't have known it was a sign of that!

    Also, 4 NSDs is better than none (in feeling very positive today)
    Originally posted by Kittenkirst
    The last house we looked at before we bought this one (we only looked at 6) had been converted into a hydroponic cannabis farm and was being sold under a proceeds of crime order. We can no longer smell the smell, but if the other house was anything to go by, they will need to hack every bit of plaster off as the cannabis oil seeps in to it and it will smell forever. Rank. It is a smell I cannot stand, they call it skunk for a good reason. I have noticed it more and more often hanging off people in the supermarket. Like a nasty cloud following them about. Yuck.

    The house had thick net curtains so you could not see in, and our windows at the front are raised about 6 feet above street level, but everytime I passed by after the smell became constant, I made sure to sneakily take a look for signs of condensation/ black mould in the windows. As soon as I saw that it was obvious.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • carolbee
    • By carolbee 19th Mar 17, 10:27 AM
    • 968 Posts
    • 6,319 Thanks
    carolbee
    Don't know about cakes, but you have a great way with words. Could you make an income from writing. Don't have to leave the house!
    Don't know how blogs etc work, but you certainly paint a picture in words.
    Carolbee
    • f0xh0les
    • By f0xh0les 19th Mar 17, 5:33 PM
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    • 7,603 Thanks
    f0xh0les
    NSD 5 ! Stayed home and baked instead of going out, so those YS bargains will just have to stay in the shop today.

    12 Pasties, a marble cake, a chocolate layer cake and a sponge, so lunchboxes sorted and after school snacks ready for the mayhem to begin. Plus a big stew with masses of veggies from the fridge drawer, ready for supper tonight.
    All homework has been done, without tears and tantrums today. Very surprising, and it was all done properly for once. Feeling very positive about getting stuff done today, and have written a list for things I want to finish during the week.

    2 kids bathed, 2 left to dunk.

    Have a great evening!
    MFW May 16 £118,340
    October 17 - £109,495.00
    • Anavand
    • By Anavand 20th Mar 17, 7:35 PM
    • 17 Posts
    • 78 Thanks
    Anavand
    Hi F0xh0le, I haven't posted for a while though planning to get more active on boards again. But I came across your diary yesterday and read the whole thing. Your energy and enthusiasm are inspiring! I'm amazed at how much you get done in the house.
    Mortgage November 2016- 201000 Mortgage April 2017- 185300 Mortgage May 2017- 182900
    • f0xh0les
    • By f0xh0les 20th Mar 17, 9:09 PM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    In the surprising news category .....
    DH spoke to his mum tonight and said he would like to bring the kids over at Easter for a few days if it was convenient for them.... she did not sound too pleased at the prospect.
    Then started complaining she had not seen the kids for 'so long'.....

    I cannot win. At some point I am going to stop trying.

    Also, I have never seen a puffin. I really want to see a puffin. They are supposed to be tiny. Puffins are cool.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • gallygirl
    • By gallygirl 20th Mar 17, 9:36 PM
    • 16,455 Posts
    • 107,806 Thanks
    gallygirl

    Also, I have never seen a puffin. I really want to see a puffin. They are supposed to be tiny. Puffins are cool.
    Originally posted by f0xh0les
    Seconded
    Save
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • Bobarella
    • By Bobarella 20th Mar 17, 10:10 PM
    • 10,454 Posts
    • 69,667 Thanks
    Bobarella
    Buddhist cafes???
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • f0xh0les
    • By f0xh0les 21st Mar 17, 6:46 AM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Buddhist cafes???
    Originally posted by Bobarella

    Grrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr!
    MFW May 16 £118,340
    October 17 - £109,495.00
    • f0xh0les
    • By f0xh0les 21st Mar 17, 8:41 PM
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    • 7,603 Thanks
    f0xh0les
    Today was full of bargains, I am just back from the supermarket. The kids ate ALL the bread with their sweetcorn and potato chowder tonight so I needed a loaf for lunchboxes in the morning. Got four loaves - a polish sourdough with pumpkin seeds, a sunflower and pumpkin seed, a malted grain and a bog standard sandwich loaf for 29p each (half in the freezer) , Twinings teabags for DH with a YS for £2.49 and a reduced wonky cabbage for 19p.

    Bought two books - one for DS1 and one for DS2 for 49p each. They are both happy. DS4 needed new plimsoles for school - they change into them as soon as they go in in the morning, and so the school stays mud free. Very clever idea. Then DS2 came home with the front hanging off his shoes, so a quick trip to el cheapo zone of shoes and £10 later, everyone is sorted.

    They are all thinking what to spend their interest on this week. They should get around £30 each this year, the interest rate has dropped from 6% to 4%. May have to find another product as Martin had a 5% easy access on his email last week.

    Stupid hayfever has struck, it is all in the eyes at the moment. Sore and madly itchy. Never had it until I was pregnant, still can't get used to it after 14 years. All the kids were bad with it, but DS1 and 2 have grown out of it in the last 4-5 years, hopefully DS3 and 4 will go the same way. Wouldn't wish it on a dog.
    Being allergic to the outdoors sucks and is plain stupid.

    Still no puffins.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • gallygirl
    • By gallygirl 21st Mar 17, 9:07 PM
    • 16,455 Posts
    • 107,806 Thanks
    gallygirl
    Still no puffins.
    Originally posted by f0xh0les
    Fixed that for you.

    https://www.youtube.com/watch?v=JfzJraIzXF0
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • f0xh0les
    • By f0xh0les 22nd Mar 17, 8:26 PM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Thankyou! But sadly my laptop has decided I am not allowed to watch Youtube. It decided this for me at the last update about 6 months ago. Took me ages to realise. So still no puffins for me.

    Today has been spent finding 'homes' for things. I am creating order out of chaos. I am also making a stash of things I can try and sell, it has to be a stash, as there is more than a pile but less than a mountain.
    I was going to put up a pair of curtains I have refound, neatly folded on a shelf, but I can't remember where I put the last load of curtain hooks I bought. I have a vague memory of a large jamjar, but can't remember where I put it. Made a totally half- a55ed attempt at finding it, but it is probably somewhere sensible like in the shed.... or the fridge.

    I think the house is looking better, but sometimes I cannot tell if what I am doing is having any effect whatsoever. I think once I get rid of the 4 bookcases cluttering my hallway, and the metal shelving unit, and the box of fishing bits (?) and the three fishing rods (???) and the box of old electrical bits and bobs DH has, then I will be able to see what I have achieved.

    I really cannot see the wood for the trees at the moment.

    Tomorrow is the ' raiding of the kids accounts' day. Which means after school they will get their interest and immediately waste it on crisps and snacks, then come home and spend all their time 'researching' what they can spend the rest of it on. DS4 has already decided he wants a Pokemon backpack. He could probably sleep in it, he is only 7, it will come down to his knees. Still, he will grow into it. Unlike his school uniform he is rapidly growing out of again. Sadly the school has branded fleeces, you use to be able to buy them from the school office, but they decided in Feb to become a cashfree school so they are available from Tesco online now. For £4 more than they were from the school. So annoying, I know the school gets a kickback from Tesco, so really I am making an involuntary 'donation' to the school, but I am getting annoyed with all the 'donations' requests I am already giving. Donations for swimming lessons, donations for school trips, donations toward sports clubs, donations for charity days, donations so the school to give money to the food bank so they can buy what they need, donations requests after every assembly if we enjoyed what our children were doing, and the school getting a % of the costs for the bookfair they whip the kids into a mass of hysteria about. God I sound grumpy! I am not grumpy though, I am just tired of it all. We have a free education system in this country but it is not feeling like it at the school gates. It is starting to feel like chugging. Ok rant over.

    It was blimmin' cold on that playground today and it looks like it is going to get colder. I haven't had my thermals on yet this year (that's done it!!) maybe living in Sheffield has hardened me up.

    Shocking scenes on tv this afternoon in Westminster. It seems motorised transport is the new weapon of choice. Awful.

    And on that note I bid you all a safe and uneventful evening.
    MFW May 16 £118,340
    October 17 - £109,495.00
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