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  • FIRST POST
    • f0xh0les
    • By f0xh0les 12th Aug 16, 1:55 PM
    • 1,204Posts
    • 9,115Thanks
    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 START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
Page 30
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 2nd Jan 18, 7:16 PM
    • 820 Posts
    • 3,611 Thanks
    wishingthemortgaheaway
    Two sets of car insurance sorted - £250 for me and £270 for DH- he wanted his fob insured and that was extra. His car is 13 yrs old and we both use 'on-street parking.

    So that's the big expense of the month sorted.
    Originally posted by f0xh0les

    Oh to insure 2 cars for £500' double that and add some...

    Good work as always Fox
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • f0xh0les
    • By f0xh0les 2nd Jan 18, 8:03 PM
    • 1,204 Posts
    • 9,115 Thanks
    f0xh0les
    I have a 8 yr old Nissan Micra and DH has a 13 yr old 7 seater Renault.
    If they both were hit by a meteor we would not get £3k combined for them.

    I have only been driving for 5 years, and passed my test 7 years ago. So it was much more expensive then, and I had to be a named driver on DHs car until I saved up and bought my own. That was when I took over the car insurances. I am certain DH just auto renewed (I know he did, but he denies it) and paid monthly. I remember him saying he paid £80 a month
    It is boring, and soul destroying, and only once a year so I can give it 4 or 5 hours if it saves me that much. I have to do all the comparison sites, on each car, and then work out the multicar ones too. Then go direct to a few others. and by that time all I want to do is drown myself in a vat of custard.

    But I made a triple layer chocolate cake, and thickened a jar of sour cherries with cornflour, and had a can of squirty cream left in the pantry, so I made quite a convincing (and flipping ENORMOUS) black forest gateau equivalent to look forward to after our potato, sweetcorn and butterbean chowder for tea. That went quite a long way to making me feel a bit more human.

    Now if I can find a way to pay it all off by the end of the month I am laughing

    In-laws told DH they are coming at half term. They are coming over on the Friday, Saturday, Sunday of half term, and bizarrely the Monday and Tuesday that the kids are back at school. So at least I can take the kids away during the first 7 days of holidays.

    I was thinking of maybe two nights in London in a YHA and doing the museums. I am not letting his parents muck about with my holidays any more. But can't book anything until I sort this insurance out.

    Too many unknowns to say for sure, whether they are known unknowns matters not.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • f0xh0les
    • By f0xh0les 3rd Jan 18, 10:08 AM
    • 1,204 Posts
    • 9,115 Thanks
    f0xh0les
    OK MORTGAGE UPDATE FOR YEAR COMMENCING 2018

    3/1/2018 £108,392.98
    Daily interest down to £5.73 it began at £6.16

    This should drop further with remortgage beginning 1/3/18.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • apple muncher
    • By apple muncher 3rd Jan 18, 6:17 PM
    • 6,786 Posts
    • 50,475 Thanks
    apple muncher
    Shame it didn't stay at 0.
    NST January #1; NSD 11/18; Ex 14/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • f0xh0les
    • By f0xh0les 4th Jan 18, 3:24 PM
    • 1,204 Posts
    • 9,115 Thanks
    f0xh0les
    I had to go shopping this morning.

    DS3 needed new shoes, managed to get them in the sale for £10

    Paid for 3 after school clubs (2x football 1x dodgeball) £42 to take me to half term.

    Bought two big pots of paint for the walls. I am just going to paint them while until I can think what to do with them. The main thing is that the ceilings are brilliant white, and the walls look clean for my half term visitors.

    I have had 6 offers from credit card agencies since the start of the year. None of them needed or wanted or asked for.

    DS3 & 4 got walkie talkies for Christmas, and I bought the batteries for them today. They are scurrying about on the landing and stairs giggling like mad (over).

    Paid the credit card down by £200 so it is now £416.00. I still have 6 weeks to pay it off,so I will concentrate on paying down the remaining £100 for DS1s school trip and the £280 for the kids regular savers account.

    January is always a tight month in our house. Then we have DS3s birthday the first week of Feb, but he never really wants anything, as he is still so happy with all his Xmas tat, the weather is rubbish, and all he really wants is 3 or 4 things to lo open, a ridiculously calorific birthday cake, and a meal out somewhere. So I thought maybe the half term holiday trip to London might double up? We will see.

    It is cold here today, but at least I got 2 of them out of the house for a shopping trip. The hamsters have more chewy sticks to much on. i have paint to start getting on with tomorrow.

    I have been through all 4 boys' clothes drawers, redistributing and discarding what will not be worn, or needs to be passed down. I need white shirts for nearly all of them, and for some ungodly reason DS3 no longer has any trousers. AT ALL. I don't know what he has done with them!! Plenty of pairs of shorts, but his actual trousers are NOWHERE to be found. Will hit the charity shops on Saturday morning and see what I can come up with.

    Sounds like a plan eh?
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • apple muncher
    • By apple muncher 4th Jan 18, 5:55 PM
    • 6,786 Posts
    • 50,475 Thanks
    apple muncher
    Is DS3 into Harry P0tter? We did some of a walking tour of some of the sites used for the films. And now when we watch the films, we can say, 'We've been there!'
    NST January #1; NSD 11/18; Ex 14/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • f0xh0les
    • By f0xh0les 4th Jan 18, 6:35 PM
    • 1,204 Posts
    • 9,115 Thanks
    f0xh0les
    Is DS3 into Harry P0tter? We did some of a walking tour of some of the sites used for the films. And now when we watch the films, we can say, 'We've been there!'
    Originally posted by apple muncher
    What a brilliant idea! He has read all the books but not seen the last 4 films as they are always on past his bedtime. So I bought him those films for Xmas.
    That sounds like a most excellent plan.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • apple muncher
    • By apple muncher 4th Jan 18, 6:57 PM
    • 6,786 Posts
    • 50,475 Thanks
    apple muncher
    We searched for free walking tours and then planned it ourselves, starting from Leicester Square. You start off going into the equivalent of the sweet shop - beware of spending a fortune! after going past Big Ben, we crossed the river and went LEFT along towards the eye. There are some free toilets in the Info centre along there (always handy) and past they Eye, ther's a pretty good playground on the right. And a few street performers and then a carousel (£2 a go). It's a short walk up to Trafalgarr square and the st james' park has a playground and sandpit at the far end, near the Palace.

    Hmm, this makes perfect sense to me as i can picture it in my head. Hope it is clearer than muddy stuff to you!

    Don't think a paid one is much fun - we crossed a few groups and there were 20+ people in them, so you wouldn't hear the guide speaking half the time.
    NST January #1; NSD 11/18; Ex 14/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • f0xh0les
    • By f0xh0les 5th Jan 18, 12:41 PM
    • 1,204 Posts
    • 9,115 Thanks
    f0xh0les
    I have an electrician upstairs right now putting in an extra socket in my bedroom.
    It is £40, it is £40 i don't really have, but if I get it done now, I can get on with wallpapering and finish the painting and have a bedroom where the only thing left to do is a new carpet and a bed that does not squeak like teenage mice. Unless I decide to put a fireplace back in. But that is not imminent.

    Not a big job either as it is back to back with another one on the other side of the wall, so barely any plastering needed, and this guy actually seems to clean up after himself and plaster any bits that need doing. Yay!

    So I am not up my ladder, my budget is down £40, but I may actually have another room finished before February.

    DS4 has managed to poke a hole in the plasterboard in his bedroom that was replastered the other day. Grrrrr. So when this electrician goes, I will get the filler out and do a quick fix.

    I have all the materials for painting and wallpapering and paste and brushes and more rollers, which is good as I am going to be proper poor until the last day of the month.

    So I have started a list of all the stuff which has to be shunted on to February. Some of it is really low cost stuff (£15 jobs) but still, I cannot afford them at the minute, and I need to remember that.

    I am just reminding myself it is a short term money flow problem. If DH had saved for his car insurance I would be fine, and of course, the little packets and parcels have started to arrive through the door for him.
    I don't understand his attitude to money, I never have, I never will. I do not understand his need for St*rbucks twice a day, I do not understand his reluctance to take his own lunch, and I do not understand his willingness to live in a squat with bare plaster on the wall and not want to paint/wallpaper/ have a clean carpet, when he absolutely loves it when it is actually done and finished. But there you go, you can't change people, you can try and understand, and then accept that you will always have an emergency fund, and they will always spend every penny they get. - He has dropped his regular saver accounts to £10 per month, this month, for the foreseeable future as he needs an extra £450 for ????????? I dunno.

    We have a very different attitude to money and our finances are very much separate. I am keeping it that way!

    Supper tonight is pasties and salads. Lunch is a toasted sandwich.

    Electrician has to take his cat to the vet for 2pm so I know he will be long gone by then. And DH will be surprised by a working light on the side of his bed tonight.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Jan 18, 1:51 PM
    • 820 Posts
    • 3,611 Thanks
    wishingthemortgaheaway
    I'd charge dh the £40 for the socket then if it's for his bedside lamp........
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • f0xh0les
    • By f0xh0les 6th Jan 18, 7:49 AM
    • 1,204 Posts
    • 9,115 Thanks
    f0xh0les
    He came to bed last night, wandered around his side of the bed said 'Oh, I did not know we had a socket on this side' The man is a genius.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Jan 18, 7:51 AM
    • 820 Posts
    • 3,611 Thanks
    wishingthemortgaheaway
    He does sound sound like a typical academic I'm afraid.

    Have a lovely weekend Fox.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • f0xh0les
    • By f0xh0les 7th Jan 18, 9:39 AM
    • 1,204 Posts
    • 9,115 Thanks
    f0xh0les
    Good Morning

    Getting annoyed with all the nonsense on TV about Veganuary. The stupid questions the interviewers ask!!

    --I'm not sure I have ever eaten anything vegan (embarrassed slightly defensive smile)

    --- What? You have never eaten an apple?????

    and all the mock-environmental nonsense
    But then I am an old hand at this, well, after 19 yrs I should be!

    Going to enjoy Marr on tv (I prefer Peston but he is not back from his hols yet)
    slap a load of conditioner on my head, and start the painting of the walls. It is second/third coat, so will go on very quickly. Should all be finished well before lunchtime.

    Do any of you have a child who refuses to go to the hairdresser unless you threaten dire consequences? i just have the one (the usual suspect) who fights tooth and nail about any kind of bath/ teeth brushing/ clean clothing/ hair cutting / helping out in any way. I actually plan in 'argument time' in my conversations with him as he is utterly belligerent about , well, everything, be it big, small, or irrelevant.

    Then, I will make DH granola out of cheapy muesli and added cinnamon and sultanas and whatever else I find in the bottom of my baking drawer- might be a 1/4 pack of flaked almonds in there somewhere. If he's lucky and some kind of iced bun for lunchboxes,

    Need to make sure PE kits are ready
    I know the lunchboxes are clean and stacked ready to be filled, and that I have bread rolls, fruit juice cartons and crisps and fruit in the house.

    Operation use up candles is going amazingly well. Only have 2 left, but no money in the budget for buying more. They are so cheerful. Roll on February when I will stock up again.

    The mornings are getting lighter already. I have been taking advantage of not having to go out on the school run, by staying in my bed in the morning. I am not sure I like it, or see the point really, apart from it being warm. I am still up before 7, most days, but will return to 6am starts tomorrow. It will soon be light again when I get up. There was a fantastic frost on all the roofs this morning, before the sun got high enough to melt it all. I do not get smiley about frosty car windscreens though.

    I have decided I am going to have a place to sit in my bedroom, once it is decorated. I want either a small sofa or a wingback chair or two. I have the room for it (my bedroom is quite large). So will start to check out the second hand warehouses in February to see what I can get my hands on.

    Looking forward to getting the kids back into a routine,

    24 days until payday
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • f0xh0les
    • By f0xh0les 14th Jan 18, 10:34 AM
    • 1,204 Posts
    • 9,115 Thanks
    f0xh0les
    Week one of school done!

    No major setbacks. 2 kids have forgotten their lunchboxes so far.
    All after school clubs start back this week. So I have one day where I don't have to do the pick up twice.

    So far this morning I have baked 3 chocolate sponges, 6 buns for lunchboxes, sorted and folded all the laundry, and spent 25 minutes reuniting long lost sock families. Time for coffee and politics.

    Pastry is defrosting as I type, and I am going to attempt a H0lland and B4rratt style steakless bake to see if it passes the kids' approval test. One more to add to the lunchbox repertoire of white sauce broccoli and corn pasties, cornish pasties, pesto pasta or sandwiches.

    Chickpeas are soaking for tomorrow's falafel feast supper.

    Marr and Peston are back on. I prefer Peston to Marr.

    I have a surprise £50 cheque from step-gran as she rings me and asks me to get her __________ on the internet, and I just do it. She keeps a tally of how much it is and then sends a cheque or gives it to me when she sees me next. It will help this month. January is very tight. Mostly because I have paid off all kids clubs, all kids residentials and the two car insurances, and set aside the kids' savings already. So I have £150 left in the bank for the rest of the month and I still need to buy breakdown insurance for us both - £45. But the larder is stocked, the fridge is full. There are 16 days left and I need petrol. Child tax credit is paid each Friday, and it will be gratefully received this month.

    So if I take myself off to the gym each morning after dropping the smalls at school, use all the wallpaper, paste and paint I have here, ready to go. And make sure there is food ready-to-go as soon as I get back from picking up the kids from after school clubs, then I will be fine. There is enough in the budget all bar disasters.

    I got £23 of free money on a gift card from the postal survey I do. I just log how much post I get a day and every 2-3 months or so they top up my card and I buy candles and paint and hamster chews from Wilk0. All the Christmas candles were reduced from £1 for 2 to 25p for 2. I may have spent £2.....

    I am in desperate need of cookware though, but it all seems so small in Wilko. I would quite like a new dinner service too. Wants though, not needs. When you are feeding 6 a decent sized roasting dish that can sit on a table afterwards is a godsend.

    No overpayment on the mortgage this month though. Too much real life getting in the way.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • f0xh0les
    • By f0xh0les 14th Jan 18, 10:41 AM
    • 1,204 Posts
    • 9,115 Thanks
    f0xh0les
    I got back in touch with the remortgage people on Monday as I had not been contacted by the solicitors. It turns out, that the new mortgage provider had not contacted the solicitors and so nothing had been done!!!

    Wheels have been set in motion now. Should all go through for completion on 1/3.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • kerri gt
    • By kerri gt 14th Jan 18, 10:42 AM
    • 6,745 Posts
    • 47,951 Thanks
    kerri gt
    Love your diary f0xh0les though I don't post often. When you have the spare £ have you tried tk maxx / homesense for a good roasting dish that isn't offensive to the eye?

    For breakdown cover I assume you're going the route of the likes of autoaid? Have a quick check on groupon, last year I got a couple of £ off via a groupon voucher for their cover.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • f0xh0les
    • By f0xh0les 14th Jan 18, 11:34 AM
    • 1,204 Posts
    • 9,115 Thanks
    f0xh0les
    I think I did that last year, the groupon Autoaid thing. Still the cheapest for 2 people at around £45.

    DH has TKM4XX vouchers from his birthday and Xmas. He is lusting after a frying pan and a pull up bar (odd shopping list I know).

    I have to go into town tomorrow to pay in the kids Xmas cheques and my cheque. I can pay £1 for 1hrs parking, run to the bank, TKMaxx and the health food shop all in one go.

    And God Bless Miriam Margolyes and all who sail in her for dropping the F-Bomb on Peston and calling him a pillock. I do love her. She is so fabulously awful and awfully fabulous at the same time. I watched her programme on America and Trump last week, and some of the Marigold hotel spin-off programmes. So funny.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • kerri gt
    • By kerri gt 14th Jan 18, 1:58 PM
    • 6,745 Posts
    • 47,951 Thanks
    kerri gt
    I had a TK maxx voucher for my birthday, I think I bought some oven gloves, Xmas tea towels and the balance went towards a shirt for OH. we have a large TK and Homesense next to each other nearby, could spend a fortune in there at times.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • f0xh0les
    • By f0xh0les 14th Jan 18, 3:05 PM
    • 1,204 Posts
    • 9,115 Thanks
    f0xh0les
    Tea towels!! Yes, I bought 5 tea towels in Wilk0 with my free money voucher as well.

    It was on my Xmas list, and DH said I am NOT buying you tea towels for Xmas. But honestly tea towels that work were near the top of my 'would improve my quality of life' list and stop me ranting on about them. Tragic huh?

    I was listening to one of the Mums at the school gate talking about her family trip to America she had just booked. - 2 weeks s/c and excursions to some Universal studios and swimming with dolphins. I was jealous. It was costing her £6000.

    One day I will be able to afford to take my kids off on wonderful jaunts. DS3 only has this year and next before he is off to secondary school, which will leave me with one left at primary school.

    As soon as he is out of primary then I am getting a job!!
    That will mean holidays!!
    By that time though DS1 will be 18 and might not really fancy a holiday with his Mum and little brothers. Although he might if I am picking up the tab.

    I forget sometimes that we are a one income family. And we are doing really well on one income too. It can only get better in the future. I need to keep that in my mind. We can function easily on the one income, and when there are two, then it is going to be holidays and regular over-payment time. While they are small they are perfectly happy with the Giants Causeway, Titanic Belfast, Norfolk Coast, Cheddar Gorge, Stonehenge etc. All the places I have dragged them round. DS1 keeps coming home from school surprised he has been places that his schoolmates have not been to. He does not realise even though I am on a budget, I take them to low cost YHAs and find as many educational places and NT sites or EH sites as I can.
    Or if they have a project on castles, then we go visit castles - Beeston, Nottingham and Bolsover,
    If they are doing the Stone Age, we did Stonehenge, Cheddar Gorge caves etc. Great Fire of London - we stayed one night in a YHA and went and did the free podcast walk from Pudding Lane, through St Pauls to The Monument.
    If they are doing coastal erosion, Formby, north Norfolk coast - etc.
    For the Victorians it was Coalport and Ironbridge, Blists Hill Victorian Village and a trip to the local cemetary. I do try!

    This term I think it may be The Celts! and saying that, I need to go through their schoolbags and make them do their homework and see if they have any leaflets to tell me what subjects they are pretending to learn about.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • apple muncher
    • By apple muncher 14th Jan 18, 5:47 PM
    • 6,786 Posts
    • 50,475 Thanks
    apple muncher
    Y5 here are doing the Maya civilisation and rivers. Feel a trip to central America coming on...?
    NST January #1; NSD 11/18; Ex 14/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
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  • RT @clq: @MartinSLewis You hit that one right out of the park. It might be the Tweet of the Century. I don't think anyone can do any Batter?

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  • RT @richlaing: @MartinSLewis Obviously spot poll but interested in the fact that 9% would opt out of donation. Interested to hear reasons w?

  • Follow Martin