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  • FIRST POST
    • cazmanian_minx
    • By cazmanian_minx 19th Feb 17, 5:55 PM
    • 3,981Posts
    • 18,278Thanks
    cazmanian_minx
    Confessions of a house hoarder
    • #1
    • 19th Feb 17, 5:55 PM
    Confessions of a house hoarder 19th Feb 17 at 5:55 PM
    Hello MFW board

    It's about five years since I last posted here, but I'm back from the DFW board and ready to start tackling the mortgage.

    Er, or not. We accidentally bought another house. We didn't mean to, we only wanted to buy a 6-acre field next-door-but-one to our house, but it was an executor sale and even though the field we were after was a separate croft in title to the lady's other croft at the opposite end of the village, her family wanted them sold as one.

    Now, I have always, always wanted have a job that involved bringing derelict and abandoned houses back into use. The problem was that croft tenancies are not mortgageable and we didn't happen to have a spare six-figure sum lying about the place. What I did have was an absolutely wonderful family who went, 'Ooh, that looks like a great opportunity. Look into it.' We drew up a fairly detailed set of costings and a timeline, presented it to them, and the Dragons decided they were in!

    So instead of one 6-acre field we ended up buying five fields, totalling just over 12 acres, and a rather dilapidated three-bedroom croft house. Originally the plan was to do up the house and then sell that croft again, leaving us owning the field we'd originally wanted free and clear, but the more we've worked on it, the more we've realised that it would make an amazing holiday let, and three of its four fields are fabulous hay fields.

    Mr Minx, who has always been very handy about the house, has now got the renovating bug big-style as well, and is already asking me what we're going to buy next. The ultimate plan is to have two holiday lets and at least three buy-to-lets mortgage-free, picking houses that need a lot of work to make habitable, and specialising in providing homes for tenants with animals, whether that's dogs, cats, chickens, sheep or horses

    If anyone's interested in the renovation works, I do have a blog, but this diary is going to be more about the financial side and my efforts to earn a living self-employed in one of the most remote parts of the UK.
    Home: 06/08: 145,145.00 Currently: 114,855.17 Offset: 21,892.05 Amount paid off: 30,289.83 (20.7%) Paying interest on: 92,963.12
    Holiday let:
    02/17: 177,416.86 (Family loan: 129,146.86 + 0% cards 48,270.00) Currently: 176,206.86 Amount paid off: 1,210.00 (0.68%)
    Sugar days 2017: 9/26 Debt-free: 17/02/2017
Page 3
    • cazmanian_minx
    • By cazmanian_minx 28th Feb 17, 10:19 PM
    • 3,981 Posts
    • 18,278 Thanks
    cazmanian_minx
    Wootness to the cake being salvaged (and et ) but OUCHY to the massage - it sounds as though you needed it though!

    Is this the fence all finished (bar the painting) then?
    Originally posted by Knit Witch
    The fence is indeed all finished Still have a broken water main though, I need to find out when they're intending to come back and fix that. The forecast has changed to rain now, so I probably won't get them painted - I should wait until the ironmongery's on them to hold them still, anyway.

    Mr Minx is away for three nights, so I've been sitting here transcribing an interview for Journalist #3 and slowly working my way through a 35X wagering requirement on a free 10 from a casino. I'm about 125 in and haven't bust out yet, much to my surprise.

    I'm a lot less sore than I was yesterday, but still have two very painful spots on my shoulder blades which feel like they've bruised - they haven't, and she warned me this might happen, basically too much blood flows to the area and it inflames. It should calm down in a day or so, but for now I'm keeping my daily yoga very gentle!

    My Nationwide card statement came through the other day, so I've now made my first payment towards getting the holiday let debt down and rearranged my sign accordingly The 177,416.86 probably isn't peak debt on it because when we mortgage it to pay off the 0% cards, we intend to borrow extra to go towards funding the next house - although I suppose that extra would be counted against whatever we buy next rather than the holiday let.
    Home: 06/08: 145,145.00 Currently: 114,855.17 Offset: 21,892.05 Amount paid off: 30,289.83 (20.7%) Paying interest on: 92,963.12
    Holiday let:
    02/17: 177,416.86 (Family loan: 129,146.86 + 0% cards 48,270.00) Currently: 176,206.86 Amount paid off: 1,210.00 (0.68%)
    Sugar days 2017: 9/26 Debt-free: 17/02/2017
    • cazmanian_minx
    • By cazmanian_minx 1st Mar 17, 12:30 PM
    • 3,981 Posts
    • 18,278 Thanks
    cazmanian_minx
    1st March and I've done all my invoicing, so it's time for some scores on the doors.

    Mr RPC - 350.20
    NEL - 114.00
    Journalist #3 - 160.00

    Typing subtotal - 624.20

    Matched betting - 645.17
    eBay sales - 89.45 but that doesn't take eBay fees and P&P into account, so call it about 60.00

    Other subtotal - 705.17

    TOTAL - 1,329.37

    On the face of it, not too bad, but given I'm not taking any money out of the matched betting at the moment, I need to get some more typing and selling done in March.

    One thing I forgot to mention yesterday is that I've been a bit naughty and booked myself a ticket to go and see Erasure play in Glasgow in May. I've been a fan for getting on for 30 years and haven't seen them live for about 10 years - I really couldn't afford to go to the Violet Flame tour and thought I'd miss them this time because their main tour this year is as the support act to Robbie Williams and (a) the tickets were about 100 and (b) I'm not mad keen on Robbie, but then they announced three warm-up solo gigs and with the tickets at 35 + booking fee, it seemed rude not to

    Ordinarily I'd have gone down to London to see them, because nothing beats standing on an escalator packed full of Erasure fans all singing A Little Respect going down into the Tube on the way home from the gig, but it's on Bank Holiday Monday and flights and accommodation would have been pricey, so Glasgow it is and they're doing a full solo tour next year when hopefully I'll be able to get down to London to see them again.
    Home: 06/08: 145,145.00 Currently: 114,855.17 Offset: 21,892.05 Amount paid off: 30,289.83 (20.7%) Paying interest on: 92,963.12
    Holiday let:
    02/17: 177,416.86 (Family loan: 129,146.86 + 0% cards 48,270.00) Currently: 176,206.86 Amount paid off: 1,210.00 (0.68%)
    Sugar days 2017: 9/26 Debt-free: 17/02/2017
    • Knit Witch
    • By Knit Witch 1st Mar 17, 12:46 PM
    • 3,686 Posts
    • 26,742 Thanks
    Knit Witch
    Love me a bit of Erasure - Dr Witch and I often have "The Best Of" playing whilst travelling and a singalong occurs!
    "Shop" From Stash (5 skeins down!)
    OS Weight Loss 5/3
    • cazmanian_minx
    • By cazmanian_minx 2nd Mar 17, 9:48 PM
    • 3,981 Posts
    • 18,278 Thanks
    cazmanian_minx
    I took on a file for Large Agency last night. First one in a while and on a short deadline, so I was still typing, somewhat cross-eyed, at 11.30 last night. So today really wasn't the best day for Jack (7-month-old Border collie) to nick my wallet off the coffee table while I was out feeding the sheep and chew both corners off it. Okay, my fault for forgetting I'd left it there, but it was the one really good-quality accessory I owned and even if the manufacturer still made them in that style, which they don't, I can't justify spending 60 on a replacement. Even worse, I thought he looked settled enough when I nipped out to the post office (he was happily chewing his antler), so didn't crate him. I came back to find the hearthrug folded in half, a roll of baking paper unrolled around the floor, a box of matches half-chewed, the little model of a springer spaniel given to us by our first rescue dog's foster family on the floor (luckily unbroken) and a photo of my father on the floor with the glass smashed and the wooden frame chewed to bits

    He's finished teething, so I'm not sure whether it's separation anxiety or boredom or a bit of both - he's absolutely fine overnight, doesn't touch a thing, and he's usually fine when I go to feed the sheep or nip out to the post office, but today was obviously one of those days. I crated him when I went to feed the sheep this evening (the weather was so vile that there was no point in taking him with me, he wouldn't have heard me over the wind and rain) and he protested loudly, but if he can't confine himself to playing with his own toys, of which he has many, then that's how it's going to have to be for now.

    One big spend today, a Bosch PRR 250, which is a specialist sanding tool with all sorts of little attachments that will help me get into the curves on the bannisters and the nooks and crannies in the doors down the road. I'm using a multitool thing with a sander attachment at the moment, but it uses the velcro system to attach the sanding sheets and after about 15 minutes they refuse to stick any more. I've seen this Bosch selling for up to 110 at the big DIY sheds, so was delighted to find it on special offer from an Amazon Marketplace seller for 69.99. That's covered by what it would have cost me to take the doors I'm going to sand down to the nearest place that does dipping (about 100 mile round trip) and pay for them to be chemically stripped, so I reckon that's broken even on the budget
    Last edited by cazmanian_minx; 03-03-2017 at 7:09 AM.
    Home: 06/08: 145,145.00 Currently: 114,855.17 Offset: 21,892.05 Amount paid off: 30,289.83 (20.7%) Paying interest on: 92,963.12
    Holiday let:
    02/17: 177,416.86 (Family loan: 129,146.86 + 0% cards 48,270.00) Currently: 176,206.86 Amount paid off: 1,210.00 (0.68%)
    Sugar days 2017: 9/26 Debt-free: 17/02/2017
    • EatingTheElephant
    • By EatingTheElephant 3rd Mar 17, 6:43 AM
    • 875 Posts
    • 4,398 Thanks
    EatingTheElephant
    I'm so glad I found your new diary, I remember following your old diary on here.

    Animals always seem to know when you are tired/stressed and need them to not play up. Then invariably do I find! I hope you have a better day today.
    • cazmanian_minx
    • By cazmanian_minx 6th Mar 17, 7:13 AM
    • 3,981 Posts
    • 18,278 Thanks
    cazmanian_minx
    A busy weekend. Saturday was posting out eBay orders, laundry and lots of typing. Sunday was ironing (ours and mother-in-law's, who has finally been persuaded to let me help her out a bit, aged 90), more typing and moving the sheep to a new field, which we were a bit apprehensive about because being in a common grazings area, it's quite easy either to lose some of yours en route or pick up some of somebody else's. We'd planned to go out the back of the fields they were in, through the corner gap, which is a small gap between the corners of two fields that sheep hop through all the time, which would funnel us onto the track down to our field on the point. It would have worked beautifully if Bella, our lead sheep, hadn't been quite so hefty (she's not had a lamb in several years and is rather plumper than your average hill sheep as a result!) - she didn't fit through the gap and nearly got wedged. We ended up going the long way round and they all followed the bucket of sheep nuts beautifully, so Jack wasn't needed, much to his annoyance (He was with us, but on his lead, as he was feeling a bit onward bound and wanted the sheep to go faster than we wanted them to).

    Mortgage payment out today and I've already boiled the frog up another 10, so next month's payment will be 300. The minimum we have to pay each month is 163.08 and February's interest, thanks to a short month and a large chunk of cash going into the offset, was 107.54. If I can keep the offset balance more or less where it is now, then next month's interest should be under 100
    Home: 06/08: 145,145.00 Currently: 114,855.17 Offset: 21,892.05 Amount paid off: 30,289.83 (20.7%) Paying interest on: 92,963.12
    Holiday let:
    02/17: 177,416.86 (Family loan: 129,146.86 + 0% cards 48,270.00) Currently: 176,206.86 Amount paid off: 1,210.00 (0.68%)
    Sugar days 2017: 9/26 Debt-free: 17/02/2017
    • EssexHebridean
    • By EssexHebridean 6th Mar 17, 3:44 PM
    • 7,133 Posts
    • 37,940 Thanks
    EssexHebridean
    All going well aside from chewed wallets and other pup-related upheaval then.

    That sander sounds like a really useful find and one that you're definitely going to get your moneys worth from - well done for spotting it at the right price and pouncing!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/324.14
    • cazmanian_minx
    • By cazmanian_minx 7th Mar 17, 9:29 PM
    • 3,981 Posts
    • 18,278 Thanks
    cazmanian_minx
    Spendy day I thought I'd better get some accommodation sorted out for the Erasure gig, given it's a bank holiday weekend, but all the places like Travelodge, which would normally be around 60 for the night, were well over 100. So I had a look on Airbnb and found a room in a flat, four minutes' walk from the venue, lots of positive reviews, for 52. Travel is now causing me a headache. I suspect there are engineering works on, because I'm only getting one option for coming back on the Sunday and it gives me precisely 12 minutes to change trains at Inverness - if I miss the connection I'm stuck overnight. I don't fancy driving 6 hours to Glasgow in the bone-shaking truck (and it would be a full tank of diesel each way) and renting a car for the weekend would be over 100 plus fuel. It looks like my best option is going to be to drive the truck down to Inverness and then get the Megabus to Glasgow - it should be about 15 each way if I manage to grab tickets soon after they come on sale.

    Also bought a John Lewis voucher for my sister-in-law's birthday present and got cash out to pay the farrier tomorrow. I thought that was it for a while until this evening, when the invoice for all the fencing work turned up. Now, I knew that it was 6.40 a metre and we were doing around 440m, plus 40 per strainer or more if they had to go through rock, which 7 of them did, so I was expecting something in the region of about 3,500.

    Wrong

    First off, I hadn't realised that the price didn't include VAT, so that was another 20% on top. Secondly, we'd suffered from a bit of project creep, they'd fitted three gates for us (supplying one of them) and put a drain in down the side of the house. Total bill? 4,975

    If anyone wants me, I'll be over in this corner typing madly - fortunately I currently have 6 files from NEL (one done), two from Journalist #3 and a ping from Journalist #1 to say she's probably got some stuff for me (which I'm pleased about because she does mainly celebrity interviews and they're always fun )
    Home: 06/08: 145,145.00 Currently: 114,855.17 Offset: 21,892.05 Amount paid off: 30,289.83 (20.7%) Paying interest on: 92,963.12
    Holiday let:
    02/17: 177,416.86 (Family loan: 129,146.86 + 0% cards 48,270.00) Currently: 176,206.86 Amount paid off: 1,210.00 (0.68%)
    Sugar days 2017: 9/26 Debt-free: 17/02/2017
    • Knit Witch
    • By Knit Witch 7th Mar 17, 9:58 PM
    • 3,686 Posts
    • 26,742 Thanks
    Knit Witch
    Eeeep! good luck with all of that (crosses eyes at the fence bill)
    "Shop" From Stash (5 skeins down!)
    OS Weight Loss 5/3
    • EssexHebridean
    • By EssexHebridean 8th Mar 17, 10:18 AM
    • 7,133 Posts
    • 37,940 Thanks
    EssexHebridean
    Ouch - get those fingers fluttering!

    We've had it a few times travelling up when the train *into* Inverness and the train onwards turn out to be one and the same - could it feasibly be that is the case with your 12min connection?
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/324.14
    • cazmanian_minx
    • By cazmanian_minx 8th Mar 17, 9:17 PM
    • 3,981 Posts
    • 18,278 Thanks
    cazmanian_minx
    Ouch - get those fingers fluttering!

    We've had it a few times travelling up when the train *into* Inverness and the train onwards turn out to be one and the same - could it feasibly be that is the case with your 12min connection?
    Originally posted by EssexHebridean
    It could be, but I'd rather not take the risk! Plus the Megabus is nearly 50 cheaper and I'll get home faster

    I was planning to have an early supper, play a bit of Assassin's Creed and then be in bed by nine tonight, but Large Agency put out a shout for a 28-minute reformatting job, I stuck my hand up and got assigned it. I like doing these, it's basically correcting a transcript they don't feel is quite up to scratch, so most of the hard work of typing it is done, but you get paid 60% of the full rate for doing it.

    So I did that, then thought I might as well finish off the 10 minutes I had left of NEL's third file while my supper defrosted a bit more, and now I've eaten WAY too much this evening (all healthy - homemade curried parsnip soup followed by a chicken stir fry, no noodles) and so I have to wait until my stomach has deflated enough to let me do 10 minutes of yoga before bed.

    I'm not the only one with stomach issues this evening. A very kind neighbour gave me a big sack of neeps for the horses, which are sitting by the gate so I can pick a couple up when I go to feed the boys each day. Jura, my cocker spaniel, has been happily gnawing one in the garden for the past couple of days with no ill effects. Today Jack decided to give it a go. Put it this way, if you hear a loud explosion from the north, it probably means a spark from the woodburner has ignited all the methane gas in here - he's quite flatulent anyway, but this has sent him into overdrive!!

    I've been shuffling some money around today - enough cash is on its way from the mortgage offset to the business account to pay the fencing bill, and 50 went off to one of the credit cards, so that's now a whole 0.05% of the holiday let paid off

    Time for some Assassin's Creed, I think, and I'll try not to do what I did last night, which was think, 'I'll just play for 20 minutes or so,' at 9pm and then suddenly find it was gone 11...
    Home: 06/08: 145,145.00 Currently: 114,855.17 Offset: 21,892.05 Amount paid off: 30,289.83 (20.7%) Paying interest on: 92,963.12
    Holiday let:
    02/17: 177,416.86 (Family loan: 129,146.86 + 0% cards 48,270.00) Currently: 176,206.86 Amount paid off: 1,210.00 (0.68%)
    Sugar days 2017: 9/26 Debt-free: 17/02/2017
    • mfmaybe
    • By mfmaybe 9th Mar 17, 10:11 PM
    • 915 Posts
    • 2,873 Thanks
    mfmaybe
    Ouch to the fencing

    Can I ask how you made the 0% cards work on the project? Did you do money transfers; or were you able to pay enough bills with them to places that take cards. I am thinking of a similar approach, but most contractors don't take card payments
    Owe to savings 2674/1302.44 48.7%paid. Pay by Christmas 17

    Other debts paid since 1/1/14: 14,331
    • cazmanian_minx
    • By cazmanian_minx 10th Mar 17, 7:46 AM
    • 3,981 Posts
    • 18,278 Thanks
    cazmanian_minx
    All money transfers. I've got some cards with daft limits considering my income (and I was absolutely honest on the applications!) and they keep putting them up! Current limits are:

    Nationwide - 5,900 (put up from 3,400 in November)
    Lloyds (new card last year) - 6,000
    Halifax - 10,500 (up from 6,000 when opened in 2014)
    Barclaycard - 12,000 (up from 10,000 when opened in 2011)
    The-Barclaycard-formerly-known-as-Egg - 7,000 (up from 4,500 when opened in 2011)

    So that's a total limit of 41,400 and cash transfers tend to be 90%, meaning 37,260 for extracting. Mr Minx also has a couple of Barclaycards with five-figure limits, so the rest came from his.

    The down side is that my Noddle credit score is currently shocking due to the high percentage of credit utilised. I've apparently got a 90% chance of being accepted for a Tesco card balance transfer though, they've got a range of options including 24 months with no transfer fee, so I think I may give that a go for the Nationwide card that's due to finish its 0% next month and some of the first Barclaycard, which finishes a couple of months later (apparently you can transfer within the first 90 days).
    Home: 06/08: 145,145.00 Currently: 114,855.17 Offset: 21,892.05 Amount paid off: 30,289.83 (20.7%) Paying interest on: 92,963.12
    Holiday let:
    02/17: 177,416.86 (Family loan: 129,146.86 + 0% cards 48,270.00) Currently: 176,206.86 Amount paid off: 1,210.00 (0.68%)
    Sugar days 2017: 9/26 Debt-free: 17/02/2017
    • AlexLK
    • By AlexLK 10th Mar 17, 10:51 PM
    • 5,630 Posts
    • 28,872 Thanks
    AlexLK
    I hadn't realised you are over here these days.
    Savings 2017: 2000. Overpayments 2017: 500.
    Saved 11,000 in 2015, 9,800 in 2016.
    From 32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • cazmanian_minx
    • By cazmanian_minx 11th Mar 17, 9:30 AM
    • 3,981 Posts
    • 18,278 Thanks
    cazmanian_minx
    I hadn't realised you are over here these days.
    Originally posted by AlexLK
    Yup, I moved - MSE isn't getting rid of me that easily

    I have SO much to do this weekend that I need a list.
    • Feed horses x 2 x1
    • Walk dogs x 4 x3 x2 x1
    • Feed sheep x 4 x3 x2 x1
    • Yoga x 2 x1
    • Repair next door's manege fence after horse had a brakes failure and smashed it (oops...)
    • Fill up water in big field and move horses down to it it's been so wet this week that the two tubs (80 litres each) were about 2/3rds full anyway!
    • Lots and lots of laundry (I reckon about 6 loads) 4th one in, may get away with 5!
    • Lots and lots of ironing
    • As much typing as possible (I have about 3 hours outstanding)
    • Re-invoice Journalist #3, who's not using her limited company any more
    • Tip out the compost bin, bag the usable stuff, reload 6 sacks of compost!!
    • Tackle the corner bed in the garden counting this as done - I've spent an hour on it and dug out all the nettles which have crept in under the wall from the field, so that's the bulk of the problem sorted. I'll finish it off a bit each day next week.
    • Unpack the new sanding tool and get as much of the bannisters done as possible
    • Post ebay orders
    If I get even a fraction of that lot done, I shall be very, very happy!!
    Last edited by cazmanian_minx; 12-03-2017 at 3:44 PM.
    Home: 06/08: 145,145.00 Currently: 114,855.17 Offset: 21,892.05 Amount paid off: 30,289.83 (20.7%) Paying interest on: 92,963.12
    Holiday let:
    02/17: 177,416.86 (Family loan: 129,146.86 + 0% cards 48,270.00) Currently: 176,206.86 Amount paid off: 1,210.00 (0.68%)
    Sugar days 2017: 9/26 Debt-free: 17/02/2017
    • CathT
    • By CathT 11th Mar 17, 5:43 PM
    • 5,135 Posts
    • 35,002 Thanks
    CathT
    That's a mammoth 'to do' list!
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
    • mfmaybe
    • By mfmaybe 11th Mar 17, 7:40 PM
    • 915 Posts
    • 2,873 Thanks
    mfmaybe
    All money transfers. I've got some cards with daft limits considering my income (and I was absolutely honest on the applications!) and they keep putting them up! Current limits are:

    Nationwide - 5,900 (put up from 3,400 in November)
    Lloyds (new card last year) - 6,000
    Halifax - 10,500 (up from 6,000 when opened in 2014)
    Barclaycard - 12,000 (up from 10,000 when opened in 2011)
    The-Barclaycard-formerly-known-as-Egg - 7,000 (up from 4,500 when opened in 2011)

    So that's a total limit of 41,400 and cash transfers tend to be 90%, meaning 37,260 for extracting. Mr Minx also has a couple of Barclaycards with five-figure limits, so the rest came from his.

    The down side is that my Noddle credit score is currently shocking due to the high percentage of credit utilised. I've apparently got a 90% chance of being accepted for a Tesco card balance transfer though, they've got a range of options including 24 months with no transfer fee, so I think I may give that a go for the Nationwide card that's due to finish its 0% next month and some of the first Barclaycard, which finishes a couple of months later (apparently you can transfer within the first 90 days).
    Originally posted by cazmanian_minx
    Thanks for all that information Caz. I only really have one current candidate, Te$co. My other card is the BA Amex; or a NW one that now doesn't do teaser rates. So I'd need to think about whether it's worth applying for another one. DH has a Lloyds card, but it's an Avios one so doubt they do 0%. Curses to our "flying up the front" addiction
    Owe to savings 2674/1302.44 48.7%paid. Pay by Christmas 17

    Other debts paid since 1/1/14: 14,331
    • FloppyDisk
    • By FloppyDisk 12th Mar 17, 8:25 PM
    • 402 Posts
    • 3,178 Thanks
    FloppyDisk
    Big numbers but big acres! Will be following your journey!!
    MFW July 2012 139,642 / April 2017 115,411
    Holy moly rainy cats and dogs savings 20,000/2,912
    • cazmanian_minx
    • By cazmanian_minx 12th Mar 17, 9:55 PM
    • 3,981 Posts
    • 18,278 Thanks
    cazmanian_minx
    List update:

    • Feed horses x 2 x1
    • Walk dogs x 4 x3 x2 x1
    • Feed sheep x 4 x3 x2 x1
    • Yoga x 2 x1
    • Repair next door's manege fence after horse had a brakes failure and smashed it (oops...)
    • Fill up water in big field and move horses down to it it's been so wet this week that the two tubs (80 litres each) were about 2/3rds full anyway!
    • Lots and lots of laundry (I reckon about 6 loads) 4th one in, may get away with 5!
    • Lots and lots of ironing
    • As much typing as possible (I have about 3 hours outstanding) I was down to 90 minutes and then another file came in from Journalist #3, but it's not due back until the end of the week
    • Re-invoice Journalist #3, who's not using her limited company any more
    • Tip out the compost bin, bag the usable stuff, reload 6 sacks of compost!!
    • Tackle the corner bed in the garden counting this as done - I've spent an hour on it and dug out all the nettles which have crept in under the wall from the field, so that's the bulk of the problem sorted. I'll finish it off a bit each day next week.
    • Unpack the new sanding tool and get as much of the bannisters done as possible I only got an hour down there, but managed the fronts of 12 spindles and half the fiddly little groove of the handrail.
    • Post ebay orders
    I actually can't believe I got all the way through it! I particularly can't believe I got all the ironing done, it took me 2.5 hours. I also managed to update the blog, as it turns out it's a year today that we got the keys to the other house. Time definitely flies!
    Home: 06/08: 145,145.00 Currently: 114,855.17 Offset: 21,892.05 Amount paid off: 30,289.83 (20.7%) Paying interest on: 92,963.12
    Holiday let:
    02/17: 177,416.86 (Family loan: 129,146.86 + 0% cards 48,270.00) Currently: 176,206.86 Amount paid off: 1,210.00 (0.68%)
    Sugar days 2017: 9/26 Debt-free: 17/02/2017
    • EatingTheElephant
    • By EatingTheElephant 13th Mar 17, 6:21 AM
    • 875 Posts
    • 4,398 Thanks
    EatingTheElephant
    That's a huge list, makes me feel exhausted just looking at it. Well done for getting through it all.
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