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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 18
    • greent
    • By greent 16th May 17, 5:16 PM
    • 6,422 Posts
    • 64,844 Thanks
    greent
    Urgh! I hate tax credits - I mean, I'm thankful for the money when we receive them, but it's such a palaver - I really do wonder how some people manage to do all their forms and what not. I've had 3 overpayment bills from them, despite keeping them informed of changes
    I also had them miss 2 children off a claim entirely for 6 months and was told it was my fault (I had sent the paperwork in - they were the ones who had ignored that sheet....) and if you phone up 2 amendments at one time it seems that only one gets processed (I've had that happen twice now) And I've been reduced to tears by their staff before now over the phone. Grrrrrr!!!!

    I just cross my fingers every time I get an updated letter and hope the amount is correct.... (and then pay the bill when it isn't (sometimes))
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £5034/£3286
    Net sales 2017 £1221.45/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • f0xh0les
    • By f0xh0les 16th May 17, 7:58 PM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    I wish they would send the letter, and then give you the money, but this money appearing, and then having to wait for weeks for the letter to catch up so you know what they are doing, is soooo frustrating.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • Bobarella
    • By Bobarella 17th May 17, 10:37 AM
    • 10,454 Posts
    • 69,667 Thanks
    Bobarella
    Wow sounds a nightmare Foxy.
    " 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 20th May 17, 11:02 AM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Morning!
    Four days later, still no renewal letter, so I am having to log on to the yougov site weekly to see what I will get in order to budget.

    I had a rather large amount in the bank account this week, just haven't really spent very much, all the meal planning and shopping have been done, the car filled with petrol and still there was more in there than I had expected, so I just threw £300 at the mortgage, which means..... the first of June should bring me down to the magic £110 I was aiming for. Which means I have knocked a year's interest and payments off the mortgage and the daily interest is down to £5.90.

    Went to a funeral on Thursday. One of my uni friends died. Very sad, the first of the gang to die. Makes you think don't it.

    Got very frustrated by the whole not losing weight thing. Upped my workout to burn 400 calories, from 300. Going every day after dropping the kids at school. One day gym, next day swim. Looked at what I am eating. Even though I cut out all the sweets/crisps/chocolate/biscuits there was still no change, but my weight was no longer going up, but suddenly this morning I am down 3lbs. Maybe my body is finally recognising I am not giving up and it needs to get with the programme. First weight loss is always impressive, after the first stone it takes a bit more effort and slows down, so hoping to be 5lbs lighter by 1st June so that I drop down a stone bracket.

    I have decided to educate the kids into the wonderful world of Alfred Hitchcock. Suspense is something that really affects them. I have noticed on kids programmes everything is spelled out, there is no 'what is going on?' 'why did he do that?' 'What is that man up to?' It is completely 'no thinking necessary'. So yesterday Alfred came up in conversation, and lo! serendipity! North by Northwest is on this afternoon on BBC2, and so we are having filmclub afternoon. - DS1 is still holding out for Aliens - he liked Alien but the silent bits were quite uncomfortable for him, that was what made us realise about the lack of thinking required, and the lack of suspense in modern kid based programming. Will see how it goes before letting them watch The Birds. It has aged badly, so obviously fake, it wouldn't scare a 5 year old. Won't try it just yet though. Mind you, my 12 yr old got very animated watching a Midsomer Murder last year. The not knowing who did it really wound him up. He was accusing everybody as the murderer. It was more amusing watching him trying to figure it out, than the programme.

    Please feel free to criticise my parenting! My kids need to learn to .....wait..... and...... see! All will be revealed, or possibly not... life is not like that.
    Last edited by f0xh0les; 20-05-2017 at 11:04 AM.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • Pearla*Merle
    • By Pearla*Merle 20th Jun 17, 10:28 AM
    • 1,601 Posts
    • 9,373 Thanks
    Pearla*Merle
    Oh, it's been rather quiet down here. Hope everything is ok, Foxy?

    Missing your entertaining exploits x
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • Kittenkirst
    • By Kittenkirst 20th Jun 17, 12:03 PM
    • 1,608 Posts
    • 8,375 Thanks
    Kittenkirst
    Me too Foxholes! Come back Come back- we miss you!
    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
    • tjp70
    • By tjp70 23rd Jun 17, 9:07 AM
    • 392 Posts
    • 2,000 Thanks
    tjp70
    Hi Foxy.

    You are very quiet. I hope everything is okay.

    tjp
    • f0xh0les
    • By f0xh0les 24th Jun 17, 9:55 PM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Hiya!
    Yeah all is well here, I had a catastrophic laptop meltdown, it would only work for about 5 minutes before overheating and shutting itself down. So annoying, darling boy bought me a new one for my birthday last weekend so I have been trying to remember passwords for EVERYTHING that I need in my life and failing most rubbishly. Back on track now though.

    So I have upped my calorie burning in the gym to 500 cals and am going 6 days a week, and swimming a kilometer 3 or 4 times a week so slowly it would probably be embarrassing if I gave a tinker's cuss, and the weight is going away. I have lost 10lbs so far and 4 of that is in the last 10 days. I think I might have just found my motivation.

    I was quite skint at the start of the month after paying out the rest to the mortgage. Somehow a load of stuff needed paying for, plus the best part of £200 on stupid tyres and balancing and stuff, then suddenly it has all come out ok again and I am flush! Can't make any overpayments though as I can't find the password. So I am saved.

    Had a quote for the shower - was do-able
    Had a quote for double glazing - also do-able
    So I have decided to get quotes for the roof, and I might just do the roof and the shower over the summer holidays and do the windows before xmas. So lots of planning, lots of salesmen, lots of wiping my tongue to try to get rid of the taste of aftershave the salesmen left trails of all over my house (took a full 72 hours to get rid of it, even with the windows open, and when three aftershaves were fighting each other for dominance- urgh) Why do they do it?? Estate Agents and Double Glazing salesmen should be done for air pollution crimes.

    Oh yeah, and two sportsdays in 32 degree heat, shoe shopping for the kids on a weekly basis - why can't they all need shoes in the same week? and everything in the entire universe being my fault (apparently). So life as normal!!

    Thanks for missing me. I missed you too.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • kerri gt
    • By kerri gt 24th Jun 17, 10:00 PM
    • 6,699 Posts
    • 47,267 Thanks
    kerri gt
    Glad you're ok f0xholes, in order to reply about the aftershave...I think it's to cover up the amount of time they spend getting hot and sweaty driving about all day. I'm not sure if the aftershave or au naturale is worse!
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • f0xh0les
    • By f0xh0les 1st Jul 17, 1:59 PM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    One roofer out of three has turned up to quote. They must be water soluble. Would have thought rainy days were good days to quote, but I suppose if they have kids they will want to be away over the summer holidays. If they don't have school age kids I am in luck.

    Took kids to see Boss Baby at the cinema - smaller kids like it, big ones refused to come along. Good cheap trip out. Birthday party this afternoon though.

    YHA Flash Sale has finally come, but most of the sites listed are remote from me. Booked 4 days at Cheddar Gorge, less than £100. Bought English Heritage with part cl0bcard points so only £51 for all 6 of us. Thought we might do Stonehenge as we are down that way, just have to book it in advance as I know the queues in Summer can be ridiculous.

    The summer holidays .are broken up into dentists and orthodontist appointments and weekends when DH is away so far. Will have to get some fun stuff on the calendar.

    I am getting it in the neck for saying I will be going over to Northern Ireland for only a week. I know my step-relative is in her 70's and housebound but I have been over there twice already this year, and I am trying to get the roof and double glazing and shower done before the end of summer so I can keep an eye on them. Workmen turn up late and leave early if you are not watching them, they are worse than kids.

    Feeling very got at and guilty.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • f0xh0les
    • By f0xh0les 17th Jul 17, 8:40 PM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Still no roof quote. the one guy that turned up to look just sent me an email to say he had got a big job on that he quoted for a while ago and he is going to be tied up for the rest of his life. I think he decided it was too much faff. Got a quote from the other mob who did not turn up to quote and it is not what I asked for anyway. So more phone calls and a promise to requote, but I don't think it is fashionable to strip the tiles and re-lay them with new nails and using the old tiles. I can't believe it costs less to buy an entire roof of tiles and pay for a skip than it would cost for two men for two extra days. Just think of how much I would save from going to landfill!! But they don't seem to want to do it.

    So, I can afford double glazing, I might have to bite the bullet and just pay out for two sets of scaffolding just so I can tell y'all that I have actually got something done. My list is growing again and I am not getting anything ticked off it!!
    MFW May 16 £118,340
    October 17 - £109,495.00
    • f0xh0les
    • By f0xh0les 17th Jul 17, 9:02 PM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Wrote a tome, lost it because this stupid mini laptop thing has a touchpad so sensitive it could be used by an amoeba.

    Got guilted into agreeing to visit the in laws while I am in Ireland. F-i-L got on the phone!! Basically demanded I give them one day and night with the kids. Well, first he asked for 3 or 4 but as I am only there for 6 days I told him no. But he laid it on with a trowel how much they would like to see the kids (he will run away to his greenhouse within 15 minutes of our arrival). So, I looked to see if I could book a cabin on a later sailing, and there was one the day after I was due to go back. So I have changed my ticket and I am furious with them and with myself for not telling them to sod off. I guess I am just a much nicer person than their kids. Or I am a spineless wimp. Well, I already know I am a much nicer person than either their kids!! There is a reason neither of them live in Ireland. I hope I am not spineless though. I am just reminded of the time when I took the kids over to visit them for 10 days (without DH - he refuses to visit his parents) and they booked to come over for a week to see the kids three weeks after we left!! I thought I had done my time! Anyway, he asked for a day, we will be there 24 hours. I am disgusted with myself and will hear nothing but jealous nastiness from step-gran about the in-laws and about step-gran from the in - laws.

    I have a horrible feeling I am their hope for the future in case they ever become infirm.

    Simply ... Never ...Going ... To ... Happen.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • porgiegeorgie
    • By porgiegeorgie 25th Jul 17, 7:41 PM
    • 159 Posts
    • 1,129 Thanks
    porgiegeorgie
    F0xh0les, I spent an enjoyable few evenings last week reading through your diary, you paint such a lovely picture of your family life! I've subscribed and look forward to any future updates on the house.

    Your diary motivated me to get my bum in gear and actually do a few things over the weekend, including finally removing some hideous, manky old flowery carpets from upstairs! We also bought our house at the start of 2016, and similarly to yours it also needed a new roof which we had done at the start of this year (we put it off last year but a lot of water was starting to come in!) and we are now looking at updating the crazy-old heating system (it may be older than me...) but the rest is mainly cosmetic. Hope you had a (mostly) fun time in Ireland.
    MFiT-T4 #75: £142,480 to £86,700 by Jan 2019
    Feb16: £142,480. April16: £138,900. July16: £132,242 Oct16: £129,824, July17: £115,841
    • f0xh0les
    • By f0xh0les 7th Aug 17, 6:59 PM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Back from the wilds, everyone survived.

    Here's this month's update, mortgage currently £110,300 with a daily interest of £5.86. Due to paying out for ferries/petrol/ holiday in Cheddar last month I did not overpay much the last two months.

    The Youth Hostel in Cheddar is in a great location although a little run down and tired looking. It is easy walking distance from the gorge, 30 mins from Weston-Super-Mere, 20 minutes from Glastonbury Tor, and close enough to swing past Stonehenge on the way home with the English Heritage membership that I tripled up my T0sc0 cl0bcard points for.
    It would have cost more to visit Stonehenge once than it did to get the membership for the 6 of us for the year. Total bargain. We had a great time and the weather was kind for us. We scrumped plums and apples in a country park with its own orchard in Evesham on the way.

    So Ireland is over for the year anyway, bar misfortune or pestilence. Three times is enough in 7 months.

    I have booked a couple of days in the peak district in a fortnight (planning on Peveril Castle, speedwell cavern, Hathersage Lido) and a couple of days at the beach in Norfolk in the last week of the school holidays ( beach/ Castle Rising Castle/ beach/ Hillside Animal Sanctuary / Beach / windmills / beach) so they will have been away 4 times, even if they were short holidays, they will feel like they have been away. Plus in an effort to avoid having to entertain i-l's over October half term, I have booked us in to a YH for 4 days in Wales on their route from Ireland to wherever they chose to go visiting friends and relations. That way the journey will be much shorter for them, they are both in their 70s now, and our roads are much busier than their roads, there are interesting things to see nearby, there is no wifi, phone signal, or internet, there is a mountain behind the YH!!!!!!!!! So there. I have plans!!

    Started stripping wallpaper again. Nowhere is safe!
    MFW May 16 £118,340
    October 17 - £109,495.00
    • f0xh0les
    • By f0xh0les 7th Aug 17, 9:19 PM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Just when you think you have a plan......

    I thought I would check the gas and electric meters, I remember to do this every 8 - 10 weeks, just out of paranoia. The electric reckons we have used over 5 and a half thousand KWs since the end of May. So in 10 weeks we have used - according to the meter - more than the average family house in a year. We are talking nearly £800 in 10 weeks.
    And of course I read the meter at 7.30 when the call centre closes at 6pm. So a night of worrying, but something is very very wrong.

    The house next door (cannabis land!!) was disconnected from the mains by three burly men from the electricity board at the start of April. I really hope the people who have appeared next door have not been getting creative with the wiring? If that is even possible? or if the meter is on the fritz? Anyway, hourly meter readings on the cards until we get this sorted - complete with photos. grrr.
    Last edited by f0xh0les; 08-08-2017 at 8:43 AM.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • f0xh0les
    • By f0xh0les 8th Aug 17, 8:43 AM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Found the last and final bill from EDF which is nothing like the starting meter reading from Green st4r energy.

    Must have been typists error.
    Panic over.
    Email sent with attached copy of bill. Should be relatively easy to sort out.

    Fingers crossed.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • porgiegeorgie
    • By porgiegeorgie 8th Aug 17, 9:53 PM
    • 159 Posts
    • 1,129 Thanks
    porgiegeorgie
    Found the last and final bill from EDF which is nothing like the starting meter reading from Green st4r energy.

    Must have been typists error.
    Panic over.
    Email sent with attached copy of bill. Should be relatively easy to sort out.

    Fingers crossed.
    Originally posted by f0xh0les
    Something similar happened to us! Despite submitting meter readings to both companies when switching, the old utility company came up with a completely random last meter reading, equating to about six months worth of gas in a few weeks.

    The direct debit for the final payment had already gone out before we noticed a problem (trying to submit meter readings that the new company deemed "implausible"). The meter was still reading under their apparent final reading so it was easy enough to prove a mistake had been made, it still took a while to get the money back off of them though. Hope it's sorted quickly!
    MFiT-T4 #75: £142,480 to £86,700 by Jan 2019
    Feb16: £142,480. April16: £138,900. July16: £132,242 Oct16: £129,824, July17: £115,841
    • Kittenkirst
    • By Kittenkirst 9th Aug 17, 5:15 AM
    • 1,608 Posts
    • 8,375 Thanks
    Kittenkirst
    Glad you've spotted what's gone wrong. So worrying when you have no idea!

    I work in the energy industry so am very cautious with changing suppliers and check all reads thoroughly. I'm also a tad geeky that the meters are photo'd monthly and reads saved on a spreadsheet. Came in very handy when an old supplier for my rented flat messed the account up a year after I moved out!

    Glad to see you back up and posting Foxholes the peak district and Norfolk sound just lovely!
    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 Aug 17, 3:26 PM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Hello!

    Finally some news to report!! Have had three roofy people out to discuss the state of my roof, it has nail fatigue, they all agree, but all state there is nothing wrong with it at the moment and it could have between 5 and 10 years life left in it and it does not need doing in the immediate future. So I am going to leave it for now.

    The quotes were between £5000 - 6000 for a full re-roof including scaffold. So not hugely major in the grand scale of things and unlikely to go up much.

    I have the smelly double glazing salesman coming tomorrow morning (on a Sunday!) to sign us up and get us a date for the work to commence. It is about £4k and will keep us toasty this winter.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • f0xh0les
    • By f0xh0les 19th Aug 17, 3:32 PM
    • 1,036 Posts
    • 7,603 Thanks
    f0xh0les
    Due to technical difficulties on this laptop and its enjoyment at wiping my posts, I am keeping them short.

    The windows can be paid for out of my savings (the monthly turtle challenges are keeping me on track, and keeping my bank balance going up) which is handy as I don't think I am going to be able to get any kind of decent amount out of DH. Mentally I think he needs the security of having three months salary in the bank, although he was happy to sit in his overdraft for years before we moved here last year. Very odd, but at least I know this is on me, and I can only do what I can afford.
    MFW May 16 £118,340
    October 17 - £109,495.00
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