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  • FIRST POST
    • f0xh0les
    • By f0xh0les 12th Aug 16, 1:55 PM
    • 988Posts
    • 7,128Thanks
    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 24
    • f0xh0les
    • By f0xh0les 30th Sep 17, 3:34 PM
    • 988 Posts
    • 7,128 Thanks
    f0xh0les
    The school are definitely scared. Mind you the govt keeps tinkering with the courses. Physics is now 60% maths based. Chemistry is 20% maths. Good job DS1 is good at maths. He is doing advanced maths and triple science. English is now 100% exam and closed book. So they will have to remember the texts taught from the first semester first year.
    There is going to be a lot of revision and repetition and that is going to lead to boredom and bad behaviour.
    Still, it is a good excuse to get tickets to A Christmas Carol the musical. Silver linings.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • badmemory
    • By badmemory 30th Sep 17, 5:21 PM
    • 815 Posts
    • 795 Thanks
    badmemory
    I too think the teachers are worried. They have suggested parents get the past exam papers so they can see for themselves that there aren't any. The best way they can get (the collective) you as parents to see what a mess everthing is in is for you to find out for yourselves. Them just standing there and telling you will not achieve anything. Sending you off seething & saying I'll show them will have a much better outcome all round.
    • f0xh0les
    • By f0xh0les 30th Sep 17, 6:54 PM
    • 988 Posts
    • 7,128 Thanks
    f0xh0les
    My boy is taking his exams in two years. They can have their shock now, get used to it for the next year's batch, and then they can send mine in knowing what he is doing.
    So, Scrooge the musical is on this Christmas, and the other books on the reading list are on order.

    The kids went off to town with me at 9.30 this morning, on pain of death and/or dismemberment. They paid in various cheques to the bank, and used various gift vouchers to buy their dad a birthday present. !!! with their own monies!!! They had a great hour looking around shops and giggling their heads off. It was lovely, they were really good fun to be with. Then as soon as we got back into the house they were bickering over computers/xboxes/laptops ..... yawn.

    Went to the gym at 6.45 this morning. Just to get it out of the way. Need to shift the weight and Xmas is as good a target as any. Not like I am going to be invited to an office xmas party, although I might organise my own. I did when the kids were small. Made an executive decision that the kids were my work, therefore I could have a works do, and usually took them all off to a chinese buffet style place in December and we watched the office parties behave badly and looked at baubles and laughed at terrible decorations. All good cheap fun. I miss them being at home.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 30th Sep 17, 7:01 PM
    • 465 Posts
    • 1,803 Thanks
    wishingthemortgaheaway
    Love the idea of a 'work's Christmas do' but taking the 'clients' that's above and beyond. I'm organising a mum's night out near Christmas and hubby organises one for all the free lancers he knows in the area.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 August: £36,411.85 8/100 September: £35,945.66 10/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • EatingTheElephant
    • By EatingTheElephant 30th Sep 17, 8:04 PM
    • 1,128 Posts
    • 6,070 Thanks
    EatingTheElephant
    Foxholes, I love the cake idea (a little way back, I'm just catching up!). I think I'm going to try that one for my grandson. Thank you
    • f0xh0les
    • By f0xh0les 1st Oct 17, 5:24 PM
    • 988 Posts
    • 7,128 Thanks
    f0xh0les
    Warning rant alert!!

    I could scream!!

    So, in previous news, I had found a youth hostel 25 minutes from the Ferry terminal so that the in-laws would not have to do the 5 hour drive this side of the boat to get to us. Ensuring no Xboxes or Skype distractions for the kids to get to spend time with their grandparents, who feel the children are not as interested in their lives as they had hoped they would be.
    So F-i-L injures himself and everyone, and his dog, and the village cat, tells me there is no way he is going to be able to travel, no way at all they can even make the short journey. He will be laid up for weeks, I should just cancel the whole thing as it is not going to happen
    .
    Then they whinged as they would not get a refund and it was wasted money and they had already arranged to come over the week before (!!) and drive 250 miles to see old friends, and they would have to cancel that (why did I bother researching a nice 4 days with us and trying to save them masses of driving ??) .

    So I cancelled it and have lost 10% but the rest has just gone back onto my credit card and paid for DS2s presents. The kids were disappointed they were not going to the mountains for their holidays but understood their grandparents were not up to the travel. DH now has agreed other teaching commitments as HEd terms and school terms are not the same.

    Last night DH got a phone call to tell him they have decided to come over for half term anyway.

    They are driving the whole way. Leaving at 5am and should get to us around 4pm. This from someone who MUST keep his leg raised 90% of his waking time. FFS!!

    So now I have to entertain them for however long they will be here for, as DH will leg it before they get here in the morning and sit in his office hiding, when really it is him they want to see.

    And now I have to try and arrange age appropriate/ mobility appropriate excursions from 75yrs – 8years whilst making sure lunch is bang on 12 or F-i-L starts sighing. And he does not eat soup, or hummous,or cauliflower or broccoli and she does not eat wheat, any other grains bar corn, dairy, tea or coffee, peppers, raw tomatoes in fact any member of the nightshade family except very small amounts of potatoes (unless she fancies it). And they think it is rather off we won't cook meat for them. Poor dears. Though they keep trying to smuggle it in while DH is at work.

    And they do not lift a finger to help while they are here anyway. Not even washing up a cup or boiling a kettle. It is like they are sitting in a waiting room, waiting for their kids to want to be with them, and sadly it is never going to happen.

    Now I am probably fearing the worst, but she has done it before you see, about 6 years ago, when she waited for one of the bank holiday weekends DH was away, and invited her sister and brother in law up from Cornwall, and I ended up looking after 4 kids under 9 and 4 adults while they took over my living room for two days chatting and eating me out of house and home, while criticising the people who ‘had only married in’ to their family!! When DH came back he was horrified.
    So you see, although they are their grandparents of my children, and for the first 12 years I bent over backwards for them to see the kids, even though they live a ferry away and I did not drive (public transport all the way), I have finally had enough.
    And they don’t like it.

    After the ‘taking the p1ss event’ DH told them there was not enough room for them in our house so they could stop in a hotel when they came avisiting. But now we are in a big house, they are very very put out they are still expected to stay in a hotel, and blame me for it. Nightmare!! But they would not put their hand in their pocket to get a cup of tea while they were out, and they have no interest in the area as it is urban and not a field in the middle of nowhere like where they live.

    Okay. Feel a bit better about that now I have got it out (again)

    Watch this space for further updates…..
    MFW May 16 £118,340
    October 17 - £109,495.00
    • smallholdingsister
    • By smallholdingsister 1st Oct 17, 5:36 PM
    • 3,413 Posts
    • 26,579 Thanks
    smallholdingsister
    Boo hiss to your PILs. Why would grandchildren be interested in grandparents lives? That doesn't happen until adulthood, surely?
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Oct 17, 5:41 PM
    • 465 Posts
    • 1,803 Thanks
    wishingthemortgaheaway
    Wow Foxholes. This sounds like a true nightmare, I really don't know what to suggest apart from writing a strict itinerary and menu and pinning it up for everyone to adhere too.
    (I'm assuming hubby can't rearrange his teaching commitments so he can be home a bit more? )
    What about sending the little foxes off on a couple of play dates at friend's houses to give them a bit of a break.
    Then I think you need to book a hair appointment, spa treatment and something else.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 August: £36,411.85 8/100 September: £35,945.66 10/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • f0xh0les
    • By f0xh0les 1st Oct 17, 6:29 PM
    • 988 Posts
    • 7,128 Thanks
    f0xh0les
    The kids will leg it to their rooms with various electronic devices after 5 minutes.
    DH has lectures 3 days, the smallest of which has 150 students. Can't really throw a sickie without dropping a colleague in it, and he would'nt do it as he has had it happen to him and had to stand in.

    Can't send smalls away on playdates or GPs will sulk. They will rock up anywhere between 8 - 10am and sit in my living room until 10pm, even if DH is knackered and goes to bed at 9.

    It is most bizarre, and I feel sorry for them, I honestly think they would be happier if we divorced and they could complain about how difficult it must be for me. Every conversation they have is about a friend of theirs who has died, or is dying, or is seriously ill. To the point where DS1 asked 'Grandma do you only know sick people?' They seem to get off on other people being in a worse state than they are,or horrible things happening that has not happened to them.
    I remember asking them when they were building their house if a 4 bed house would not be too big for them. She said, and I remember this quite clearly, she would need somewhere for DH and the children to stay when we divorced. I told DH, and he burst out laughing.
    Got to try and keep a sense of humour, and hope it does not rain... please don't let it rain at half term. Everybody think dry thoughts!
    MFW May 16 £118,340
    October 17 - £109,495.00
    • smallholdingsister
    • By smallholdingsister 1st Oct 17, 7:09 PM
    • 3,413 Posts
    • 26,579 Thanks
    smallholdingsister
    That is freaking rude of your MIL. Also why do you shoulder the burden of staying up with them when they are HIS parents?
    • f0xh0les
    • By f0xh0les 2nd Oct 17, 7:07 AM
    • 988 Posts
    • 7,128 Thanks
    f0xh0les
    That is freaking rude of your MIL. Also why do you shoulder the burden of staying up with them when they are HIS parents?
    Originally posted by smallholdingsister
    I guess I just have better manners than them

    I just cant understand the whole rocking up in the morning and expecting to be entertained ALL day long until DH comes home. And when they say they want to see the children, that is all they want. To SEE them. But at their age they are not going to change are they. Realistically.
    What scares the hell out of me is the fear that they see me as their old age caring plan.
    I am polite, I am hospitable, I am lovely. But I am not getting involved in that sack of monkeys. They have 2 kids. Neither of whom likes m-i-l, and are totally blind to the faults of f-i-l . He comes across as a nice old duffer, but the mask has slipped a few too many times with me.

    So those are my tales of woe, but there IS a silver lining. I remember a lady I worked with once told me the only reason she got bits of her house finished was because she kept inviting people to visit every few months, and that gave her the continuing motivation to keep on with the small things, the tidying away things, the taking those bits to the tip that end up in the corner of the downstairs bathroom. So, the visit will give me the impetus (get me with the fancy impetus!) to sort some more stuff out.

    The countdown is on..... (except I don't have a firm date for the crash landing).... so I will say Friday the 13th Let's see how much I can get done.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • smallholdingsister
    • By smallholdingsister 2nd Oct 17, 9:07 AM
    • 3,413 Posts
    • 26,579 Thanks
    smallholdingsister
    That's the only thing gets me sorting my house out too (only problem is when the one remaining dumping ground is my bedroom).
    • f0xh0les
    • By f0xh0les 2nd Oct 17, 10:06 PM
    • 988 Posts
    • 7,128 Thanks
    f0xh0les
    Oh dear!
    DH rang to get a firm date for when they will be coming.
    One of them has been stung by a wasp and therefore the whole thing may be off (wtf?) I swear they are just doing this to wind me up. Next it will be - oh it would be so much easier for you to come to us....

    Still, the countdown to half term is on.

    Today the hot water cylinder jacket went on, all bedding changed (two doubles, two singles - mine was done last week), laundered, replaced and clean stuff put into the airing cupboard, one blind put up, went to gym for an hour, bought 4 new pillows and a replacement frame for some photos PiL gave DS2 but he broke the frame slamming his door repeatedly when he was having a silly tantrum over nothing. The tantrum stopped as soon as the frame fell off the wall. He got over himself pretty quickly after that. Will cut to size and replace tomorrow while he is at school.

    Filled the car with petrol, and the top shelf with GF bits and packets. Wish I hadn't bothered now, but still it is handy to have them in if they descend unexpectedly.
    I am thinking of it as prepping for calamity.

    DH had a nice birthday. DS1 gave him life size hamster salt and pepper shakers. They were suitably bizarre and I think he likes them quite a lot. He went shopping for clothes yesterday. Came back with lots of bags. I went to Aldi and bought a pair of £7,99 Autumn jeans (not sure how they differ from Spring jeans, or Summer jeans) and a £2.99 pair of capri pants for the gym. - Change from £11.

    Peanut butter flapjacks all mysteriously disappeared since yesterday, as did the sponge with tayberry filling and water icing with rose petals. All gone. Poof! There must be a black hole somewhere. They will just have to put up with yogurt for the lunchboxes tomorrow.

    The wind is rising here. Might get a little blustery tonight.

    I am at the dentist tomorrow morning. That'll be fun.
    Kids have already started asking how many days until Advent calenders.

    Night all.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • smallholdingsister
    • By smallholdingsister 3rd Oct 17, 10:41 AM
    • 3,413 Posts
    • 26,579 Thanks
    smallholdingsister
    Enjoy the dentist. They are gluten free as well? The PILs not the dentist.
    • f0xh0les
    • By f0xh0les 3rd Oct 17, 7:57 PM
    • 988 Posts
    • 7,128 Thanks
    f0xh0les
    MiL is GF DF and has been told not to eat a million other things just in case. Not sure about the dentist.

    He got his xrays and notes mixed up and tried to drill the wrong tooth. V not impressed. Had huge adrenaline reaction to the anaesthetic when I got upright, managed to make it down the stairs and heading toward the door when the palpitations and tears came. So wandered down the street in floods, so annoying, but after 20 minutes hiding behind clothes rails in charity shops, and a lot of deep breaths, I felt ok to drive home. Where there was NO COFFEE so could not properly flush out the numbness with caffeine. Numbness finally wore off after 5 and a half hours.

    DS4 came home with school ransom demand for swimming lessons. The letter states it costs the school over £150 a week to take the 2 classes, and that the school subsidises the lessons, Not sure how, if 60 kids are paying £3 each a week, then the school is not paying for any of it. Besides, weren't PE budgets devolved so that the schools could buy in whatever sports specialists they wanted so they could choose the sports the kids wanted do? It seems the parents always end up paying.

    Then DS3 wants to go on the residential for 4 days -£250, in April so paid another £50 off that one -all via the schoolpay website. £150 left to go

    DS 2 is on his 2nd detention this term (30 minutes after school), and we are only 4 weeks in!! Hopefully he will catch himself on soon. It is big school now and they expect more in yr 8.

    DH is of to Manchester tomorrow for a lecture, which will be nice for him to see all his old collegues and chums he studied with. Will be a late night home for him though.

    And the mortgage has been updated to.......... (drumroll please)......£109.495.00
    MFW May 16 £118,340
    October 17 - £109,495.00
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 3rd Oct 17, 11:12 PM
    • 465 Posts
    • 1,803 Thanks
    wishingthemortgaheaway
    Is said swimming demand from s primary school?
    (I don't know about secondary, but do know about Primary)

    They are not allowed to charge for swimming lessons in key stage 2 - its a national curriculum activity therefore it must be provided as part of your free education. (Actually, I'm hoping this still applies in academies- not entirely sure there, but if it's not an academy they definitely can't charge)
    There is a loop hole where they can ask for 'voluntary contributions' towards the transport costs to get them there and back in a coach.

    Sometimes the coaches are organised through the local authority sports service. So the school is given money into their budget and it's taken straight back out again - in this case it's hard for the school to split the cost of tuition (non chargeable) and transport (voluntary contributions allowed) which makes asking parents for any money dodgy to me.


    School's do get additional sport premium money but they are not allowed to spend it on core curriculum activities (of which swimming is one).

    The other thing to cHeck is the school's charging policy, make sure what they've said they will do/not do is what is actually happening.

    It makes me so cross that some schools do things that are not allowed, and get away with it, where as others are trying to do the right thing and end up in a worse position. Funding in schools is rubbish at the moment, but that doesn't mean they should bend or break the rules.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 August: £36,411.85 8/100 September: £35,945.66 10/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • f0xh0les
    • By f0xh0les 6th Oct 17, 10:17 AM
    • 988 Posts
    • 7,128 Thanks
    f0xh0les
    Thursday was very productive. Did 4 loads of laundry and dried and folded and returned to owners.

    Put up a blind and measured all the other windows that need blinds. Will order blinds when I have found what I want. Know what 2 kids are getting but still looking for the ones for my bedroom.

    Fixed a photo frame DS2 broke during a tantrum.. He now knows slamming doors makes things fall off walls.

    Decanted half empty boxes of ‘stuff’ and fabric and computer cables in with other similar bits. Threw away 3 broken plastic crates. Now down to one 6 foot x 6 foot metal shelving unit full of boxes! We have too much fabric. We need to make stuff out of it or get rid.

    Put DH’s camping stuff away in the cupboard under the stairs. He has it all packed in rigid plastic crates, which is rotten for storing as a lot of it is squishy and blankets and rugs, but not my stuff and not worth the agro of changing it and him not being able to find anything. So, all out of sight and packed away.

    Lunch was leftovers

    Waited in for DS1’s mattress topper to be delivered, had to get the kids from school, was out of the house less than 3 minutes before I had a text tosay they had tried to deliver but I was out. Grrr.
    Getting a redelivery on Saturday.

    Moved the tumble dryer through 3 rooms, having to unpack all the boxes from the shelving unit, move the unit, put all the boxes back, move the tumble through, move the shelf back, put all the boxes back on. But it all works much better now. The tumble is in the kitchen, near the washer with a wall inbetween. So that should work better too. Freed up two shelving units. Will have to take them down and find somewhere to store them. Or sell them.

    Did after school cross country competition - 66th this time with about 20 kids behind him. He was annoyed as his friends were in the first 10 kids. But he beat someone, and he liked that. I have taught him the idea of being a sniper, and picking them off from behind, rather than trying to be a front runner and getting tired out too quickly.

    It was so funny seeing the very very competitive dads, and the very competitive sports teachers (male). They were getting their kids to put their football boots on as the grou nd was very soft and the studs would ‘give them an advantage’. They set off to fast at the start line and all fell over each other. Nobody was hurt.

    As I didn’t get back home until just after 5 it was ‘something on toast’ for supper and ice cream cones. Not gourmet but once a week won’t kill them.

    DS2 has another hour long detention – he is turning up to lessons without the correct equipment, which is odd, as he has the right equipment in his bag. He is just too lazy to look for it. So he gets a behaviour point. 3 behaviour points is a 30 min detention, 6 points is another 30 minutes, 9 points is a 60 minute detention. Hopefully he will stop it soon. He has had 3 detentions in a week.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • f0xh0les
    • By f0xh0les 9th Oct 17, 9:42 PM
    • 988 Posts
    • 7,128 Thanks
    f0xh0les
    DH has announced he will be looking for a new job, he has reactivated his job search profile. Cue me running around like a headless chicken (inside my head). I was working on a timescale of making the house look good for the surveyor for the remortgage in Feb. Now I may be looking at a re-sale over summer.

    So after dropping that bombshell, and DS2 acting like The Child from Hull all weekend, he has calmed down quite a lot, but is still majorly stressed, DS2 came home with the news he is on the 'gifted and talented' list. Which is great as DS1 was on it and I know he was miffed he was not. Even though he wants to be seen as the funny one, not the clever one. Kids eh? Anyway, it opens up a new list of activities and away days for him to be involved in. Well done DS2.

    Bought two blinds for the top floor bedrooms, so that is 2 rooms completely finished except a bit of wood filling on the doors.

    Bought two more blinds for my bedroom, so now I have the blinds and the wallpaper, I just need a plasterer.

    Had to lend DH £200 of the plastering budget as he feared he would be left short after buying DS1 his birthday present, so basically I bought the present. He just thinks he did.

    Filled the pantry, should not need to buy another single food item for at least a week, only 4 days until half term so shan't have to bother with expensive lunchbox tat next week either. Need to do a proper inventory and meal plan.

    The YS fairy waved her magic wand at me yesterday. 3p loaves of bread and doughnuts and rolls and all sort of lovely things. No excuses for further food spends.

    Spent the day cleaning and hoovering from the top of the house, putting up two coat racks and getting rid of a freestanding clothes rail, it all looks much neater. Didn't make it all the way through the back room (where the kids congregate to play on the computer and to lie on the sofa bed playing multiplayer interactive games on their DS. So the tat tends to accumulate on every single surface in that room. I will atttack the back room and the kitchen and dining room tomorrow. So that is the entire back of the house.

    Also need to order the kids school photos. Where do they get off charging the money they do for a photo?? The cheapest one is £12 and it is a very small photo. Still, it will do as part of some Xmas presents.

    Oh dear, poor Wales!!
    MFW May 16 £118,340
    October 17 - £109,495.00
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Oct 17, 9:56 PM
    • 465 Posts
    • 1,803 Thanks
    wishingthemortgaheaway
    Oh Fox, what a bombshell to be dropped..

    How long have you been where you are?

    I think I would castrate my hubby if he did that with no discussion.
    Well done for your self restraint.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 August: £36,411.85 8/100 September: £35,945.66 10/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • greenbee
    • By greenbee 9th Oct 17, 10:05 PM
    • 12,165 Posts
    • 215,519 Thanks
    greenbee
    I hope your DH appreciates you... and the fact that you didn't turn him around and tell him to come back when he'd thought about it. (or castrate him!).

    Has he thought about the potential impact on the kids schooling for one thing? As well as all the work you're going to need to do on the house.

    I hope the situation resolves itself soon. In the meantime, I guess at least you've got a deadline, and a plan...
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