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  • FIRST POST
    • f0xh0les
    • By f0xh0les 12th Aug 16, 1:55 PM
    • 421Posts
    • 1,932Thanks
    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 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
Page 2
    • f0xh0les
    • By f0xh0les 9th Sep 16, 11:38 AM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    Well that all worked surprisingly well. I managed to rack up 5NSD in a row after taking out my £20. Will do it again this week after I have bought the groceries and duvet covers - DS2 & DS3 have been upgraded to double beds - guess who only had 3 double duvet covers - can't wash 'em until I have something to go back on the beds!
    But looking at Wilk0 £10 reversible ones. Plus sheets (sigh!).

    Had two people come round and have a look at the bathroom. I want a new shower, cubicle, pipes put under the floor, new floor, new tiles - the shower has been leaking for YEARS and the floorboards underneath have rotted, thus the shower tray has dropped a centimeter, but the joists appear sound. One quoted last night, off the top of his head, around 4-5 THOUSAND! Depending on what shower I chose. And an estimate of 2-3 weeks. Blimey! I was kind of expecting £2k tops. Need a proper rethink, and more quotes. The cubicle/tray/waste pipes I was looking at was £300, the tiles on floor were £25 m2 so around £150, the shower head £200. All the materials to do the job would come in under £1000 including the tiles for the walls. Wow! Hopefully his was just the silly quote. You always get one. Will wait and see - I do not mind paying someone to do a job well, and I do not begrudge a man a living, but bloody hell, I am keeping the bath and the sink and toilet. It is just the floor, shower and tiling I want to change.

    Maybe I am not being realistic, but surely it should not cost more than taking off and putting on an entire roof and replastering the ceilings!!
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • f0xh0les
    • By f0xh0les 10th Sep 16, 12:10 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    It's the weekend! I have just stripped and changed 5 beds, knackered now, it always reminds me of a chambermaiding job I had for a few weeks to help out a friend's parents when I lived in Germany. But I always forget not to do them all on the same day, so I have a massive pile of laundry to do and it is chucking it down outside. The charity shop duvets are looking very nice, as are the Wilk0 ones, but one of the valance sheets from the CS was labelled as Kingsize and it is only a double. Very annoying. Will regift it, it was only £1.


    DH has !!!!!!ed off camping with his friends for the weekend - weekends now start at 9am on Friday so it is just me and the 4 DS.

    Can't believe it has been 2 weeks since they went back to school. Time is flying. It will be half term before I know it, so I am looking at wallpaper and trying to find something that I will not hate after a week of looking at it.

    I have decided not to tart up the hall this weekend to surprise DH, I will do it while the kids are at school and out of my way so I can take my time.

    So I am trying to sort out some boxes that have been shoved into corners and 'forgotten' by DH. Most of the rooms have taken shape, but there is one that is proving to be the dumping ground. We have a lot of fabric that is going to have to be used or removed, and I have banned DH from buying any more fabric until his stash has been depleted.

    Right, off to make lunch for the 4, and get on with bringing Ordnung to the rear living room.

    Happy weekend
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • f0xh0les
    • By f0xh0les 19th Sep 16, 1:40 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    Sneaky o/p of £105, so that is £147 overpaid, (does not cover the £180 interest a month - but it does mean it is not going out of the standard payment DH pays).

    Bought a £40 tv from an amazing second hand warehouse down the road from me. We tried fixing the old one, changed capacitors, soldered stuff, fixed it, but I think there is an electrical fault with it. It stopped working again. Boo. Anyway, we have a replacement and it was not hugely expensive.

    Trying to put up one of those IKEA units, with all the squares - it is 8 yrs old and seems to have warped, I have managed to get three corners screwed it, but the fourth corner is proving to be problematic, will have to wait until DH comes home and we can stand it up and hopefully, with gravity, it will behave enough to get the last 2 screws in, then that is another job done.

    Then I think I may be on to putting up shelves in alcoves in bedrooms. I only have a few little jobs to do in the kids' bedrooms, then that is their rooms finished, until the roof comes off - hopefully it will just be a quick ceiling skim after that (they have the 3 bedrooms in the attic).

    I went around the house this weekend with a notepad and pen and wrote down every single job which needs to be done in each room (except the ground floor - still not thinking about that, remember?). So I am going to start working my way through them.

    I realised I am waiting for DH to help with them, and I just have to stop doing that. It is never going to happen. We had the same problem in our last house, I would say 'we should do .......' and he would say ' great idea, we should do that' and I would wait, and plan, and wait and wait. He hates DIY and in the end, after 3 years I realised it was up to me to get stuff done. He won't even put his clothes away, he is never going to volunteer to put up a shelving unit!
    He is happy to pay for it, but really he wants nothing to do with actually doing it. Bit sad about that, but he is what he is. To be honest he would live in a skip, but that does mean he never complains if he comes home and I haven't the place tidy and always notices when he comes home and it is tidy and thanks me.

    Finally had the quote for the bathroom for fixing the flooring and putting in a new shower, OVER 7K!! the first man quoted too, £2k for labour, + whatever materials we supply. So either I am going to have to live without a shower, drop my expectations (- no tiling and a step up into the shower) or somehow get my hands on another £1000 to get the job done.

    The frustrating thing is, until the roof is replaced and I find out how much replastering is going to be needed, there is no point in decorating the hall, stairs and landing (3 floors) and until the bathroom is done, there is no point in getting carpet for the hall, stairs and landing. The two things that are going to make this place look so much better are carpeting and a light coloured wallpaper!

    DH does not see the point in having the roof changed until it starts to leak, but as we have nail sickness, really we need to get it sorted. 116 odd year old nails don't last forever! He has the roof money in his bank account, so I am going to have to save up for that as well, I think he views it as his safety net, his emergency fund. I don't think I am going to get my hands on that money again.

    Still, now I have my new shiny list of things to do, I am just going to have to get on with the cheaper items I can do myself, and save hard for the more expensive ones. I have a plan!!
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • Bobarella
    • By Bobarella 19th Sep 16, 10:30 PM
    • 8,050 Posts
    • 51,565 Thanks
    Bobarella
    Just popped in to catch up. Your shower quote is terrifying!!
    £790 to pay =70% repaid
    RR 2016 #2 December £2.32 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,237.25 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • f0xh0les
    • By f0xh0les 20th Sep 16, 4:32 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    One text message and he dropped the price by £1,500. The guy is a chancer. He can jolly well do one!!
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • Bobarella
    • By Bobarella 20th Sep 16, 6:48 PM
    • 8,050 Posts
    • 51,565 Thanks
    Bobarella
    He picked the wrong person to tangle with. Idiot.
    £790 to pay =70% repaid
    RR 2016 #2 December £2.32 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,237.25 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • f0xh0les
    • By f0xh0les 20th Sep 16, 7:02 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    You know, I don't mind when I get a tradesman in to quote for a job if he just says ' look, I don't fancy this one' or 'I wouldn't do a job this big', that is fine, it is honest. But when they just give you a stupidly inflated quote, with a ridiculous timescale, they are just wasting my time, and it is out of order.

    It took me about 8 years in Manchester to get a decent group of tradesmen I knew I could call on, and not get messed about. Hope it takes less time this time around!
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • f0xh0les
    • By f0xh0les 21st Sep 16, 1:55 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    Well the 10 year old IKEA 16 storage cube unit looks totally fab now it is painted and up - ok I have spent £20 on Captain America Blue enamel spray paint, but it looks so good and nothing like the scratched up boring pretend wood unit that has graced so many rooms in the Manchester house. DS4 is so pleased with it too. Now he can display all his 'treasures', and I could not have bought anything like it for the cost of paint.

    So I decided after the school run this morning, to run around the house and tidy v quickly from the top down. I can have 4 bedrooms and the bathroom done before 10am. Good to know, however I left bedroom 5 as it is a total tip - DS2 can sort that out when he comes home (won't hold my breath).

    Then I thought I would pull off a few bits of wallpaper to get to see the size of the holes the electricians have left in my walls when they rewired. I cut some plasterboard left over from when Mr Plasterer plastered the top floor (before I knew we were going to be needing a new roof and therefore all the stupid ceilings replastering when that its finished)and have filled two of the lath and plaster holes with nicely cut plasterboard and stuck it in with interior grab adhesive. I will skim it with some plaster I have lying around a bit later . I mean, really as they are quite small areas, it is not much different to icing a cake. Just icing a vertical cake..... with a trowel.... and it is only going to be wallpapered over, except the fabulous wallpaper I found has all sold out!

    So the search goes on ... and in the meantime, I shall hoover up all the bits of plaster that have come off the wall when the wallpaper came down with it.

    Oh well, old houses and all that comes with them.

    On my second NSD this week already and there is still food in the fridge. Can't complain really.
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • f0xh0les
    • By f0xh0les 28th Sep 16, 7:04 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    I scrumped 24lbs of apples this morning from a lovely man who posted on Streetlife about his windfall apples. Lovely sunny day and me up a ladder.

    DS2 was 12 yesterday, he had a lovely day and DH bought his present (!), so that saved me some money. I made a triple decker sponge filled with peanut butter icing, and covered with the taste of the 1970s - chocolate couverture. I found it on the top shelf of the supermarket, and knew it had to come home with me just to weird out DH. Such fun!

    Bought a coffee table for £5 from a second hand shop, it makes the living room look great and now we can play Scrabble in comfort.

    I am so confused that anyone could have not known Fat Sam had his finger in the pie ( ex- England manager). Never liked him when he was at Bolton with all his irregularities at the JD Stadium.

    Did a really nice bit of patch plastering.

    I am busy moving bits of furniture around the place, moving bits out of rooms where they are no longer needed and dragging them down 2 flights of stairs to sit in the hall. Now I have 4 bookcases we no longer need, and am going to put up some shelves in the chimney alcoves. I have plans! I sold one of the bookshelves for £15, it cost me £15 new from IKEA, but I suppose it saved the person a trip to IKEA, and I delivered it, so they gave me £20 instead. I have put up a bundle of 10 Miffy books for sale, and a bundle of 6 Harry and the bucketful of dinosaurs books on to the local selling page, only £3 each, but every penny is going into the money box and then into the mortgage overpayment pot. The kids are finally saying 'I do not need this anymore, I do not want it'. Hooray!!
    DH has not yet learnt this skill.

    I am so happy it is Autumn I keep dancing around the place.
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • f0xh0les
    • By f0xh0les 29th Sep 16, 10:11 AM
    • 421 Posts
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    f0xh0les
    £2 for 5 Harry books this morning before 9.15 (gone into the selling money box)

    Stripping and plastering this weekend (!)

    DH is 42 this weekend, he is having a few problems with getting older. Very strange, he is so not the kind of person you would expect to be funny about ageing. He says he is allowed to be vain about losing his looks, and locks, and teeth - yes, he is going to be 42, not 102. Odd bloke. I did suggest we do the humane thing and have him put down at the vets, but I just got sighing and head shaking.

    I was 42 in June, but as I am so much older than him, I get to be wiser. He gets to be the monkey.

    Today feels like Friday....... lucky me, I will have two this week.



    Loving the autumnal feel in the air.
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • Bobarella
    • By Bobarella 30th Sep 16, 8:33 AM
    • 8,050 Posts
    • 51,565 Thanks
    Bobarella
    For some reason I haven't been getting your diary update notifications until today. Sorry to have missed all the goings on. Happy birthday to OH. Sorry he's feeling wobbly. I suppose the passing of time affects us all differently. Perhaps having an almost teen is stirring up those feelings?
    Well done on the delicious sounding birthday cake too. Yum!
    £790 to pay =70% repaid
    RR 2016 #2 December £2.32 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,237.25 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • f0xh0les
    • By f0xh0les 30th Sep 16, 1:56 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    Busy plastering all the millions of holes in the walls. I accidently ended up stripping the entire top floor landing and stairs. I didn't mean to, but once I started I couldn't stop and I was like a wild thing. So there are another million bits of hole to plaster and I have run out. I will use the £7 gift card from Homebase I have to buy some more plaster. Then it will be sanding and emulsion time.

    The in-laws are descending for October half-term.
    Better get a move on with all this decorating then!

    Put up another bookcase and a daybed for sale on the local f/b selling page. Hopefully something will come of it. I really need the things gone so that I have some room to move in the back living room. It is becoming the dumping ground for DH and the kids' stuff that they cannot be bothered to take upstairs. This needs to be stopped.

    So, my plans for the weekend involve - stripping wallpaper, filling 'oles, decoupage a coffee table with Calvin and Hobbes cartoons, finding a chest of drawers for #4's bedroom in the second hand warehouse or the LOROS shop, and going on a crunchy leaf walk in my wellies. Oh, and doing something with 2stone of apples.
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • f0xh0les
    • By f0xh0les 30th Sep 16, 4:57 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    Oh! Forgot to mention, it's PAYDAY!!!!!!!!!!!!!!!!!
    and tomorrow is Mortgage payment day!!!!!!!!!!!!!!!!!!!!!!
    So Monday will be signature update day!!!!!!!!!!!!!!!!!!!!!!

    !
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • f0xh0les
    • By f0xh0les 3rd Oct 16, 1:06 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    Except today is not mortgage update day, as they only tell you the balance up to 8pm yesterday, and so the monthly payment has not been subtracted from the amount. Grrrrrr.

    Had to buy 4 new Airtex shirts for DS4 who seems to think coming home like the mud man makes him so much more endearing to me. Even on a hot wash the mud is so ground in even a weekend spent in a bleachy bucket has had minimal results. So, £5 spent I didn't want to.

    DS3 has a strange effect on his duvet. I am blaming him, rather than the duvet, which is totally unfair of me. I bought one from somewhere or other - it was either Wilko or Tesco, but the duvet keeps turning sideways inside the duvet cover. I assume it is one of those things where it has a 'right way' and a 'wrong way' to have been stitched in , and it has been cut the 'wrong way' - like those coats that make your skirt ride up because the lining is cut in the wrong direction ( I do hope someone knows what I am talking about - honestly, it really is a thing, I have not gone totally loopy yet, and think my clothes are out to get me) anyway, as I do not know how cold this house is going to get this winter, he is now the owner of a nice shiny fluffy new 13 tog duvet £6 spend in Wilko, and if it misbehaves it is blimmin' going back. I will not have disorder in the bedding department.

    No doubt DS4 will want one, and I noticed DS1 has the double duvet that is older than he is, and he will be 14 in a fortnight - it has been dry-cleaned many many many times, and through the washing machine a good few times too. So I suppose an update will be in order. I am expecting it to be cold in the attic!

    Can you tell the in-laws are coming? Wouldn't want the laundry not to pass muster.

    Oh, and I found a shop selling hot water bottles for £2.49 each rather than the £15 ones that come with a cover that the kids take off anyway. So I bought 4 of them to go with the 3 ones that are still usable - one had perished over summer. Hot chocolate before bed, and a hot water bottle. Poor deprived children of mine.

    So, I spent the weekend filling 'oles and sanding down plasterwork, it is going to be ready to paint soon, I just have the very top of the wall above the stairwell to do, the death defying bit where you have to wedge the foot of the ladder up against a stair and extend the stupid thing right to its greatest extension. Aaaahhhhhhh!!! Then DH wanders past and offers you a cup of tea, and announces ' You wouldn't catch me up there! ' As if!!

    So, the jobs on the list this week are......

    Book in a chippie to put some doors on the 3 top floor bedrooms (it is a bit 'Benny Hill chase scene' at bedtime) and to turn the other 5 so they open into the room, rather than 'Victorian Modesty Setting' . When I had the electricians in, I got them to move all the light sockets to the 'wrong' side of the door, so when the doors change direction, they will be on the 'right' side of the door (- forward planning!!)

    Finish up 'oles and get painting.

    Winter duvets for all! well, DS4 & 1

    Launder all the beds while the sun is shining

    Get a replacement for my dodgy tumble drier at a discounted price.

    Put 2 skirting boards back on bedroom walls

    Find DS 4 a chest of drawers so he cannot explain his floordrobe is a practical solution to his laundry issues.

    Try and sell 4 IKEA bookshelves,3 IKEA storage boxes, bundles of kiddie books, 2 x Velux windows, one black day bed, and a partridge in a pear treeeeeeeeeeeeeeeeeee (not).
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • f0xh0les
    • By f0xh0les 3rd Oct 16, 1:08 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    Oh, forgot to say - the central heating is still firmly OFF!
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • Moneyfordreams
    • By Moneyfordreams 3rd Oct 16, 1:34 PM
    • 648 Posts
    • 3,060 Thanks
    Moneyfordreams
    Hi F0xh0les,

    your diary has made me laugh out loud... looking forward to being entertained some more .
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £168060
    Car loan finished oct 16
    h@lifax CC £5360 0% until May 2018.. will pay minimum for now, slow stooze
    • f0xh0les
    • By f0xh0les 4th Oct 16, 2:36 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    Oh good, nice to know I am not just rambling on to myself! It helps to be able to look back and see I have actually done something, rather than just keep on making longer and longer lists of stuff to be done.

    Pizza dough rising in the kitchen, sauce made, bought a 49p Aldi pineapple and a 49p red pepper. Half the sauce will go on the pizza, half as a tomato and red pepper soup for later in the week - DS4 is not a soup fan.
    Might make a pesto of the last of the herbs in the pots in the yard. Parsley has done ridiculously well considering it was reduced to 29p in May, stuck it in a pot and it is still doing it's thing. Basil the same, just picking leaves and it keeps on coming but they are looking a bit sad, except the ransoms DH found in a mudslide by the side of the road, they have gone absolutely mental in the last 2 weeks. Stupid things.

    Everything has been cleaned and tidied away, getting masses of laundry done in the good weather. It never stops!! and when it seems to, then there are sheets, duvets and towels on the go.

    Anyway, off to pick up kids from school - only one has an after school club til 5. Why can't they all just do clubs on the same stupid day???? oh, and it is a Tutor meeting for DS1 and 2 tomorrow night. It will be in and out in 15 minutes though. Show willing and all that.
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • f0xh0les
    • By f0xh0les 7th Oct 16, 2:24 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    The tutor meetings went well, so we have decided to keep feeding DS1 & 2 for a bit longer. Sadly it was not in and out in 15 minutes, it was mucking about for an hour, and talking to tutors for about 15 minutes of that.

    Sold another bookcase this morning, and delivered it at lunchtime £15 for a £15 bookcase.

    Mortgage currently stands at £116, 139.74, so when the child benefit comes in next Monday, I will try and put it down to £115,999.99 or something - it is purely psychological, but I want through that £116k barrier, even if the interest takes it back up again.

    Still filling holes, you must all think my house looks like swiss cheese. It is looking much better, and the walls are much firmer in places (like the places I have knocked the plaster off and refilled it so it it attached to the laths)

    Put up a curtain rail in DS2's bedroom yesterday, so now the hunt for curtains is on..... one thing gets struck off the list, and then another one takes its place.

    Have put a daybed on the local selling site, only £40. Lots of demands for photos, but nothing firm yet. Still, it only takes one person to say yes, and then it is gone.

    I stupidly decided to take all of the extra furniture and bits and bobs we no longer need and put them in the rear living room. So it has turned into a complete dumping ground. I have photographed all the items and put them up for sale, and offered free delivery, but I am so impatient to be rid of them.

    I have bought DS1 some books and bits for his birthday, DH is buying his main present - it looks like if it is computer related, DH has decided to step up and get involved. So for the first time in 14 years he has bought DS 1 and 2's birthday presents! Wow. He is much more tech savvy than me, after all, 15 years in IT before a career change must have left him with some skills. So more money in my account for me to overpay the mortgage with.

    Am a bit worried about the £ vs $. Nobody else seems to be concerned, but I know our fixed rate mortgage deal ends next year (yeah, I know we are only 6 months into it) and with Brexit and triggering Article 50, I am a bit worried we are going to end up being stuck on a 7% rate and nobody else willing to take us on. Hence overpaying as much as possible so we look good on paper, and me picking up any old job so I look like I am earning a wage rather than DH having 5 unwaged dependants on one salary. Oh, so much to think about and so many unknowns..... and that is not even mentioning the prospective President Trump ............

    Weekend : 'oles, shelves, ORDNUNG!!!! and less stuff in the back room. Oh, and baking for lunch boxes and taking DS2 to town as he has put the wrong PIN into the card machine three times in a row. I warned him just before he left to run over the road and check his balance to see how much of his allowance he had managed to earn, if it did not work, do not put the same number in three times or it will block your card. So what did he do? yep, three times. So all his birthday money and allowance is safe and sound in the bank, until Saturday when he gets his silly mitts on it. Hopefully that is the lesson learnt, and he will never do it again.

    Right, enough procrastination.........Action!!!
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • f0xh0les
    • By f0xh0les 10th Oct 16, 12:51 PM
    • 421 Posts
    • 1,932 Thanks
    f0xh0les
    Weekend over!!

    DH came home on Friday complaining of a headache, vision blank spots and 'not feeling right', so I fed him and sent him to bed with i/b and paracetamol. He was terrified he was having a stroke, but a stress related migraine was so much more likely during the first week of Uni term. He came down with a completely numb left hand side of his face and vision problems at Easter when the exam setting/marking stress got to him, it was all the symptoms of a migraine but without the headache, so I am getting used to this 'odd head' phase of uni terms. I checked on him every hour to make sure.

    But he was soooooo grumpy with the kids I had to have words with him on Saturday night, ok, he had a point the kids were being naughty, but his response was totally over the top. I mean, who can shout about a kid asking for a hot water bottle? He doesn't even make the hot water bottles in our house! Thankfully he does not get ill often, so we should be ok until Xmas when term ends.

    On a happier note, I spent most of the weekend up a ladder filling holes! I shouldn't be this happy about this. But I am! Less holes = firmer plaster = when they bang the new slates on the roof next year, less plaster will fall of the walls, and there will be less redecoration for me to do afterwards.

    M-I-L rang this morning to tell me she has ordered the kids some stuff from M0untain Wareh0use and it will be delivered sometime soon and is addressed to me. Then she said there is stuff in there for the kids, for her, for her neice, for her neice's kids and husband, for her sister, the postman, the bin man, and the president of Barundi, so not to think there was anything in there for me!
    Charming!!
    Then she said she had ordered some other bits to be delivered here this week, and some bulbs she wanted.
    What the FLIP does she think I am, the bloody post office?

    This is all because she lives in Ireland and is too tight to spend the postage getting it sent to her house. Even with the weaker £. Bloody woman.

    So looking forward to her visit at half term!

    I have put up masses of stuff for sale on the local selling page, 2 book cases gone, a few books taken, the daybed has not flown out the door the way I expected it to. Annoyingly, as it is taking up a hell of a lot of space in the back living room. I have also offered the 2 enormous velux windows on the local freecycle site, as I found out I would have to pay to take them to the tip if I cannot find a home for them. Hopefully they will all go before the in-laws descend. Otherwise I will have to take them to the charity shop / tip.

    Busy filling up the kids' 6% savings accounts DS 3 & 4 will be on target for March when they mature, but DS 1 & 2 are woefully behind, so will sort that out after Xmas.

    Getting quite a few Y0u G0v surveys recently, so that pot is filling up, only £5 to go for a £50 payout.

    Have also earned £8 in Amazon vouchers this week too doing surveys(£5) and winning prize draws (£2) so I spent them on a new blind for DS1 who is being so very patient about not having a bedroom door. He does have a blind! He just broke it, in case anyone was worried.

    I have about £5 in my purse, half a tank of petrol, and a food plan for the week - I might have to buy some spuds and some spread but everything else I have or can make out of stuff I have.

    Child Tax comes in on Friday, and Child benefit on Monday so I am aiming for a very frugal week and then it is H A L F T E R M !!!!!!

    I was just looking through the local paper and the National Trust magazine (my birthday present was a family subscription from in-laws) but it seems Leicestershire has different half term dates than Derbyshire and Nottinghamshire. Oh well, if we go up that way we will have the places to ourselves!
    MFW May 16 £118,340 Aug£117,1 Sept£116,7 Oct£116,Nov£115,548 SPC #59 Wombling Free Very Special Agent #21 Competition wins..A fire steel! TShirt/ Return trip Car +2 to Ireland Free Amazon vouchers £60 YouGov 3.75p (£50 Mar/£50 Nov) Tesco £15.00 H&B £2.00 NO DEBT EXCEPT MORTGAGE
    • giblet1979
    • By giblet1979 10th Oct 16, 1:43 PM
    • 846 Posts
    • 3,398 Thanks
    giblet1979
    Hi Fox,
    Just wanted to say hi - have found your diary and will be following we also have an old house that we are in the (slow) process of doing up bit by bit. Our motivation waxes and wanes (usually when we have a visit from the in-laws we get productive, despite them being lovely I'd hate them to think we're lazy!)
    Hope you're having a good day.
    Gib x
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

    Work overpayment and home improvement loan paid back (£19200)


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