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  • FIRST POST
    • f0xh0les
    • By f0xh0les 12th Aug 16, 1:55 PM
    • 413Posts
    • 1,895Thanks
    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 3
    • f0xh0les
    • By f0xh0les 10th Oct 16, 7:52 PM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    Visits from people definitely make you do more jobs!

    Welcome aboard, Giblet.

    Well, it was blimmin' cold on the school run this morning, I have sorted out all the coats, hats and gloves since coming back. Heating is still off, but it won't be for much longer.

    I rescued a huge box of my long long dead GF's things over the summer that his wife was chucking out.

    It turns out I have rescued his fly fishing things. So I had a merry hour this afternoon finding the moulds for his fishing weights, and his strange items for making his fly fishing flies- I cannot believe he bought seal fur in various colours for this- , he was a great fisherman, would stand for hours in streams and rivers. Crippled with arthritis in his knees as a result by the time I came along, but he loved nothing more than to be up to his waist in water. Found 3 fishing rods, half a dozen reels, and enough fishing line to keep a dozen anglers out of trouble for years. And all of it absolutely no use to me. So I showed the kids who think the fishing hooks of all sizes from 1cm right up to about 10 cm are the most exciting things EVER! So they are now way up high on the top of a bookcase, as they were just too interesting and I didn't fancy a trip to casualty any time soon.

    Didn't get much done house wise today, but did clean and tidy a lot, so it looks quite presentable in about 80% of it, and did quite a bit of filing in the process.

    Tomorrow is spray painting a bedside cabinet I picked up the local charity shop for DS4's room, he has asked for it to be sprayed silver, as he likes robots (?), so I said 'Ok' as it makes sense inside a 6 yr old boy.
    Then I read Calvin and Hobbes in an effort to understand my children... I think it has worked.
    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, 8:22 PM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    Just had an email from a man who wants the 2 enormous Velux I rescued, they will be gone by 10am tomorrow.

    Another job ticked off the list.

    Huzzah!!
    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
    • Kittenkirst
    • By Kittenkirst 11th Oct 16, 6:31 AM
    • 830 Posts
    • 3,727 Thanks
    Kittenkirst
    Well done on getting the velux's gone

    Just popping in to catch up with your thread & to say thanks. You mentioned streetlife earlier in your thread so I investigated it and joined up- what a fab website!! I linked up with a local lady who gave me bags of windfall apples which means I now have spicy apple chutney & bags of prepped frozen apples for winter
    Emergency savings- £701.54 /£1000
    Mortgage Oct '16- £170.995 LTV- 90%
    2016 OP target- £14.58/ £150 -
    Mortgage end date- Nov '41

    NST: 42
    • f0xh0les
    • By f0xh0les 11th Oct 16, 7:19 AM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    Hi Kitten, Streetlife is pretty good isn't it? I passed on the details of the old man who gave me apples on one site to a lady on the next-door Streetlife (I moved 3 miles down the road so I am on both as the kids are still over there at school and I am there 2x a day) who has the use of a community apple press. So she is delivering him some fresh apple juice this week as a thank you. Everyone wins, he is 80+ and can't pick them, she lives on a houseboat and has no garden.

    I must say though, this is the only place I have lived where people are too posh to pick their own apples. They rotted on the trees last year. Round here people think apples come from Tesc0. Bizarre, but I am quite happy to scrump, might have to get a balaclava for it, as long as nobody mistakes me for a clown.

    My kids will not shut up about these muppet clown people. Honestly, Tim Curry has a lot to answer for.

    Right, lunch boxes made, posh coffee drunk, time to wake up those kids of mine.

    Have a lovely day, it is supposed to piddle down over here. Best get on to Hotpoint about my replacement non-dodgy dryer.
    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 11th Oct 16, 9:40 AM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    Man turned up with a standard size car - surprisingly you cannot fit 120cm x 120cm velux in the back of one of those. That is why I gave the measurements. He is off to look for a friend with a van.

    Meanwhile, my hall is full of windows and bits of windows.
    I do hope he returns........
    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 11th Oct 16, 11:59 AM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    On a roll this morning!

    Top two floors cleaned, including bathroom floor, hoovered and everything.

    Sat on the phone to order my replacement non-catchy-on-fire - dryer from Indesit - TDWSF83BEP will be delivered on Monday, which is good as it is half term and I will be in!! No school run to have to worry about. £99 for an 8kg B rated dryer with sensor to turn off when dry (I missed that in my last dryer) Plus, a brand new dryer to replace my 6 yr old one!

    Sanded and spray painted a bedside cabinet from the charity shop (£12) silver- well, it says 'pearlescent grey' but it is glittery silver, and does look like a robot, so DS4 is gonna be DELIGHTED!!! It is drying in the yard right now, so I am going to have a celebration cup of coffee and think about lunch.

    I started the day with a MASSIVE long list of things and I am steaming through them! I will shut my big mouth now before a wall falls down or something.

    Got some idiot offer me £5 for all my Grandad's tackle(!) stupid time-waster, then I remembered of course he is a time waster, he sits on riverbanks trying to outwit a fish in his spare time. Twit.
    Last edited by f0xh0les; 11-10-2016 at 12:19 PM.
    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
    • PrincessLou
    • By PrincessLou 11th Oct 16, 2:02 PM
    • 461 Posts
    • 1,755 Thanks
    PrincessLou
    Wow, you sound busy and very productive!

    The robot cabinet sounds amazing! Hope your DS is pleased with it.
    • f0xh0les
    • By f0xh0les 11th Oct 16, 9:02 PM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    Judging by the squeaks of AWESOME and AMAZING you could hear 2 floors down, I think he might like it.

    Well you can call me Mrs Wussy-pants if you like, but it is cold here tonight, so we decided to try and turn the central heating on (it has been off since we tested it in April) but nothing happened. It is a new system to us, an open vented system with a water cylinder and a room thermostat - I just used to turn our old one on and off as I needed it, but this one has a control panel and automatic thrusters or something. Sadly nothing happened. Not a sausage. We changed the batteries in the thermostat, mucked about with the timer on the boiler, went and played with the wireless do-hick next to the cylinder in the airing cupboard, all to no avail. It should have worked, according to the downloaded manual and youtube video, and then we noticed it. The wire from the fuse to the pump was not attached. They must have missed it when they rewired the house, and left it unattached. So I have sent a text to Captain Electrician, letting him know about the wire, and asking him to give me a ring tomorrow - it was 8pm, he has a small child and a wife, he sent back a text saying he will ring tomorrow.

    They disconnected the doorbell, but we just wired it back into a plug and put it back in, they removed the fuse from the whirlpool bath, but we noticed that, and they put one back in, but the pump we did not notice.

    So there. Hopefully we will have a working central heating system tomorrow, and fewer windows. Tomorrow is another 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
    • giblet1979
    • By giblet1979 11th Oct 16, 9:39 PM
    • 846 Posts
    • 3,396 Thanks
    giblet1979
    Sounds like they left a lot of things unfinished....not very good of them! It's a good job you noticed (most of) the things.
    Hope it's easily sorted. I put the heating on timer last night (turned down the thermostat considerably, but still put it on). In my mind, I said that I was doing it to make sure the cats were okay. In reality, it is getting cold at 6am and I'm a wimp
    Hope your productive day continued
    Gib xx
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

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


    • Bobarella
    • By Bobarella 11th Oct 16, 10:52 PM
    • 7,966 Posts
    • 51,160 Thanks
    Bobarella
    Foxholes - You do so amazingly well with all your DIY. I'm so impressed. I hope your heating is sorted soon. Is your husband a lecturer?
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • f0xh0les
    • By f0xh0les 12th Oct 16, 6:41 AM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    Yeah, DH is a professor in training. 15 years in IT then decided he wanted to be a lecturer!
    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 13th Oct 16, 11:08 AM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    Oooh, much strangeness in the home of Fox today........

    Logged on to banking this morning, and there was the best part of £1400 paid in by Child Tax muppets. Now, DH gave up his job about 5 years ago, went from £40k odd down to £6k a year while he finished his PhD and was picking up junior lecturer stuff. That is when I learnt how to live on £20 a week food shopping for 2 adults and 4 smalls. The Child Tax Credit worked out £50 per child per week and that covered the mortgage and all bills, and the Child benefit fed us and clothed us and paid for the ballpit when it was too wet to go to the park and play.

    So, every year since, DH's salary has gone up,slowly, and the Child Tax Credit has gone down, as it should. While I had to ring them every term to let them know how much he would be earning, and I sometimes had to ring them 4 x a year to sort out our changes in circumstances, every time I spoke to them they were great, every time it was a Geordie Lad and they did not get one single thing wrong, and quite often, come the following April, there would just be a couple of payments of £400, £300, £800 payments as they worked out they had underpaid me and it just turned up. Apart from the year they gave me just under £3,500. I mean, I told them every 16 weeks what was going on, they knew the same day if there was a change, but there you go, I have done well out of them. Until I moved to Sheffield. And spoke to a lady this time, my one and only conversation with a woman, who decided to completely mess up my claim, decided I was earning £27k and working 35hours a week and rode an elephant in my spare time. As I was used to fluctuating payments, and as I suddenly began getting more, I opened 6% savings accounts for the kids and started building them up the '£100 per year they have been on the planet ' savings accounts I thought they should have. All going well, then we moved again, and I received a letter telling me I owed them £17,000. No I don't I said. Oh, we have sent you out another letter since then, they said. Bizarrely we get 3 x correspondence from them every single time, on the same day usually, and each one has a different amount and date on it, so it is a case of finding which one has the last date to see which is the most current, and then usually the amount that turns up in my account is not the same as on the letter anyway. (Keeping up? All clear? Good!), anyway, after talking to these muppets again, and again, and having to send them back the letters they sent me, and go through a mandatory reconsideration process (I refused to confirm my security details on the phone as A) they had rung me, B) they should know my details if they were who they said they were, and C) I should be asking THEM for their security details but they would probably only get them wrong as they were not terribly efficient.
    Anyhow, it turns out they had overpaid me about £700 and they were going to claw it back out of my payments and dropped them down to less than £10 a week. Not major, as by this time we were back up to £40k-ish and I could do without the CTC. and besides, I was earning 6% on it!!! And was living really close to a Co-op store that reduced everything at 7pm on the dot so I could bath and read the smallest foxes their bedtime story and then run up the road and buy everything for tuppence ha'penny. This April has been the first year they had not given me a huge lump sum, but I figured as they had systematically underpaid me for over a decade, it was about time they got it wrong and overpaid me. So I was really surprised when I got this lump sum this morning. So I did a web chat, got out my mobile and took video evidence of what they were saying, got them to state, categorically they had underpaid me and that the money was rightfully mine.

    So, it looks like I might be able to afford a shower!! and a joiner!!

    I am very lucky, money just seems to turn up sometimes. Just at the right time.

    If my house were finished, this would mean a last minute half term holiday. It is not, and a holiday is sooooo tempting, but, in-laws.........

    Oh hell, just had a phone call from DS2s school. He is unwell. This is becoming a tradition! The day before the end of term illnesses
    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 13th Oct 16, 1:26 PM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    If Captain Electrician does not give me a date to fix the stupid heating today, I am going to call a damnable plumber to come connect it.

    I am sitting here with a blanket around my shoulders and have two kids lazing in their beds with sore tummies and hot water bottles - they are not bothered with their lovely duvets but I have cold hands (but not cold enough to do the washing up).
    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 13th Oct 16, 10:37 PM
    • 7,966 Posts
    • 51,160 Thanks
    Bobarella
    Wow £1400 is amazing to have drop in your lap. Huge congratulations! What a faff though. Interesting to hear about the CT situation too.
    Sorry to hear you have poorly cubs hope the heating gets sorted asap.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • f0xh0les
    • By f0xh0les 14th Oct 16, 6:57 AM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    Congrats at being under 1K! £999 will go down so quickly.
    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 14th Oct 16, 6:30 PM
    • 7,966 Posts
    • 51,160 Thanks
    Bobarella
    Thank you. Let's hope the business keeps making money. Sometimes I feel like I live in Minecraft world. My path appears as I build but I cant see more than 3 feet ahead. I dream of the day I have a lump sum available to transfer to my personal account each month instead of flicking £50 across when our account gets dire enough.

    How is the heat situation and how are the Hole lets? Better I hope.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • f0xh0les
    • By f0xh0les 14th Oct 16, 9:15 PM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    Well, to be honest I think I was being hoodwinked, but as they all had 99.7% attendance last year, and I know we have the in-laws next week, I kept the 3 at home today who were complaining they were feeling unwell, DS1 went to school, so they all had to jump in the car anyway, as I was not leaving them behind! Then I sent them all back to bed with a hot water bottle and cup of tea and told them to read while I cleaned the house. They were perfectly happy with that. Though there has been no sign whatsoever of anyone being ill.

    They all had beans/spaghetti hoops on toast for lunch - nobody fell to the ground rolling around in agony. Bonus!

    The electrician sent me a text to say they could not make it before next Thursday (!) so I rang him - straight to voicemail, got hold of his company facebook page and asked him to ring me back. please. Nothing. so at 4pm I texted him again saying I could not wait until next Thurs with no heating, half term and four kids. 3 minutes later I get a text saying he will be over sometime tomorrow. Great!

    Then at 5 I got a really er, shirty, phone call about it not being that f-ing pump, it was impossible, there must be something else, he would send one of his men over IF he could but that f-ing pump would not cause that f-ing problem. Charming!

    So, as he was so bloody adamant the problem was not with the bit they disconnected, I hit the internet, read manuals, twisted dials, turned the boiler on and off, twisted other bits, messed with thermostats, ran around the house and made sure all the rads were turned on, that the wireless thing was talking to the box next to the water cylinder, up and down and up and down the stairs like some crazed step-class leader. Nothing. Not a sausage.

    DH came home, stripped himself of his lycra, dragged on a hoody and set to doing all the stuff I had been doing already, then he decided to hit the pump thing with a hammer (it was recommended on some site or other in case the pump had seized), and did a factory reset. Then after 3 hours, and about the 4th time of doing it all, suddenly, there was a spurt and warm water began flowing into the radiators downstairs !!!! So we have the ground floor with toasty rads, and I sent a text to Captain Electricals apologising for casting aspersions on the pump, and that that had proved not to be the problem (I assume, after all we don't know what the problem was or what caused it) and that we would not need him tomorrow after all. DS2s bedroom rad is toasty, mine is not, the middle floor landing one was not, the bathroom one is not and none on the top floor are, but, considering it was a room by room rental, we think they have closed off the inflow to certain rads, (the one on the middle landing is now toasty,- that was my test theory radiator), so I think tomorrow I am going to be running around with a spanner opening inflow valves and bleeding radiators until everything is properly stabilised. DH claims he does not know how to bleed a radiator (bless!)That boy has strange gaps in his knowledge.

    So, the pump may have seized with being turned off for 6 months, or something else, but half the radiators are working right now.

    DH has just gone upstairs to remove the ballcock and arm from the middle floor loo cistern, as it is misaligned and runs all night long and is driving me demented. Proper Leicestershire water torture. Why he has to do it at nearly 9pm I don't know. It probably means he will have a lie in in the morning as half the job is done, and he can take it with him to the hardware store to make sure he gets the right bit.

    So, for the price of £0 half the heating is behaving.

    Child Tax Credit has gone into the bank today, and has been raised by £4 a week (I know, I won't spend it all in the same shop) and Child Benefit goes in on Monday, which will be welcome.

    All in all the coffers are looking very healthy, but I am aware the bathroom needs sorting asap, and in another few weeks I will be able to do it. But it is so hard not to shove some at the mortgage as an overpayment. I fear I am obsessed.

    Anyway, my friend who we will call 'J' told me I should give DH half of the Child Tax money as it was not 'mine' it was 'ours', pah! thought I, but I suppose he was right really, so I offered DH half, who looked horrified and said 'God no!!, I'd only spend it on rubbish' , well at least he has finally noticed.

    In sadder news, my Grandfather's second wife, who I have inherited, has had a mini stroke, we think. She thinks she is fine and everyone else is making a fuss, but slumping sideways, being unable to move or speak for half an hour and being dizzy for 24 hrs after is never really a sign of 'best health'. All tests and scans came back as totally fine, so as far as she is concerned she just had a 'funny turn'. Luckily she was not on her own, but she was in the garden sitting on a bench and she had to be ladled into her wheelchair by her 73yr old sister who visits every 2 years, and wheeled down to her bedroom. There is no telling her, she is a bizarrely secretive person at the best of times, but she has had two of these turns so far. Poor old duck. Will have to head back over to visit next month to check up on her.

    Anyway, we are not frozen foxes anymore and Friday nights are News Quiz and HIGNFY nights!
    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 15th Oct 16, 8:28 AM
    • 413 Posts
    • 1,895 Thanks
    f0xh0les
    The heating came on when I set it to come on!! Woof Woof!

    £3.75 away from Y0uG0v sending me a £50 cheque!
    Coming up to the 'C' word there are always lots of surveys for people with kids, and they tend to pay £1-£3 for kid surveys, and they are short!

    DS1 is a whole 14 years old today! He is sitting here with a book his aunt gave him called 'How to Survive Everything' giggling his little head off.

    Have to do the shopping today as I couldn't go yesterday with 3 smalls pretending to be ill. They were all running around and giggling at 6 this morning. There is nothing wrong with them at all. Grocery shopping with smalls is to be avoided AT ALL COSTS. Once they hit the 'ooooh look, Pringles!' years, leave them at home if humanly possible, or they will bankrupt you. Or set very rigid pocket money tariffs, and let them lend/borrow money off each other and fight over who owns what packet of what.

    I do buy them crisps and biscuits, but tbh they eat them like locusts in a field of maize, and then 15 minutes later they are either starving, or leave their lunch/tea. So I tend to put them in a lunchbox rather than them having them in the house. The school must think I am awful, but if they have fruit and yogurt for breakfast and a hot meal with 4 veg and a fruity pudding/pie for supper, they can eat oreos in their lunchbox.

    DS1 & 2 have an allowance I pay into their bank accounts, as at 14(!) and 12 they have a bank card they can draw funds with but not pay in the shop - I could not believe you can get a debit card with chip & pin for kids, blimey. Imagine trying to pay with that in a shop! Security to check-out four. They can earn up to £40 a month (never going to happen) by keeping their rooms tidy, not leaving PE kit at home and making me deliver it to school with a sheepish expression and a muttered ' he left this on the stairs this morning', by doing their homework on time, not having a uniform crisis half an hour before we need to leave, and by doing the washing up and helping out.

    Strangely, they are much more helpful toward the second half of the month.

    DS3&4 get £2 a week if they have a tidy bedroom and have done their homework without a screaming fit that takes longer than actually doing the stupid homework.

    And they spend it on E-numbers, crisps and total rubbish. So I don't feel bad about not buying many 'snacky things' with the groceries, but I do feel bad that that is the only thing they want to spend their money on.

    DS1 has just opened his new laptop - what a happy sausage, off for more coffee.
    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 15th Oct 16, 8:40 AM
    • 846 Posts
    • 3,396 Thanks
    giblet1979
    Great updates! Hope the kiddies are all better and brilliant news about the heating. My dad's approach over the years has been to hit things with a hammer. It's amazing how often it works x
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

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


    • Bobarella
    • By Bobarella 15th Oct 16, 8:56 PM
    • 7,966 Posts
    • 51,160 Thanks
    Bobarella
    So pleased the Foxhole is warm again!
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
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