greent's mfw journey

greent

Thank you! And a belated Happy New Year to anyone reading

Just made another OP of £50 from money in savings tin (£41 in coins rounded up) New laptop has arrived and old laptop has gone to an IT chap around the corner to retrieve files - then I can see my OP spreadsheet again!!

greent

Woo hoo!!! Hard drive data recovered and transferred to new laptop - so my spreadsheet has been updated and balance now approx £74766. I need another £420 extra OPs to reduce term by another month, so am looking to achieve that by Easter hols (3 months from now) I'm also awaiting my annual stmt from C&G to check my spreadsheet to (I usually differ from them by a few £s - usually in my favour! ) - but it doesn't usually arrive until late Feb

Brodiebobs

I'm with C&G too and its very annoying, not only do you only get a statement once a year, but they take forever to come out. I phoned last year at beginning of jan, they told me it had been printed, didnt receive it until middle of feb!!

greent

We have 2 C&G mortgages - one for an investment property and one for this house. The inv property one arrives any day now - and ours (which is the one I'm far more interested in!!) arrives about a month later... I so wish they'd get in teh 21st century and get online!! There appears to be no rhyme or reason as to why some take so long to be sent out..

gallygirl

Brodiebobs wrote: »

I'm with C&G too and its very annoying, not only do you only get a statement once a year, but they take forever to come out. I phoned last year at beginning of jan, they told me it had been printed, didnt receive it until middle of feb!!

It shouldn't matter as we all have spreadsheets - but it DOES!!!!!! Come ON C&G :rotfl:

Brodiebobs

***sneaks on to admit i dont have a spreadsheet and i just rely on the list in back of my diary***

Lois_E

Brodiebobs wrote: »

***sneaks on to admit i dont have a spreadsheet and i just rely on the list in back of my diary***

A list in the back of your diary is just a low-tech spreadsheet-substitute. The emotional investment in seeing the numbers change is just the same.

greent

OOh - I love my spreadsheet - whilst I *could* have it on paper the spreadsheet means I can calculate possibilities at the click of a button whenever I want... not that I have the money to actually do what I'm usually calculating - but it passes time!!

Another £20 OP just made - claimed some cashback from tcb and a weeny ebay sale

greent

oooooooooohhhhhhhhhhhhh!!!!!!!!!!!!!!!!!!!!!!!!!!! Just realised DH has had a tax rebate - have netted off my tax bill to pay from this and have still managed another OP of £175. Yeay!!!

That means I've got less than £200 extra OPs to make to reduce the term by another month Slooooooow progress, but progress nevertheless! Will aim to get that £200 extra by end of Feb....

greent

EEK!!!:eek::eek: Have been sat doing as much online banking as possible - just paid £1992.94 off credit cards, leaving £3750 on int free cc (repayment date not until 02/13, but I'm likely to pay it off quicker) - too much Xmas spending!!!:o Although I would like to point out that DH's expenses haven't been paid since the end of Sept - so we have almost 4 months' worth to come - and the CC bills included some work expenses. It's nice to have it all square again now, though - but I'll be glad when the expenses can be sorted, and then I'll properly know where we are, money-wise..

DH is becoming an employee (as opposed to a self employed contractor) wef 1st Feb - probably only for about 14 months or so, I hope (tax benefits of s/e through a limited company are toooooo good!!) That means I'll actually have monthly income!! Have notified tax credit people and they've already downgraded our payments!! At least we don;t owe them anything, though

Am actually (today!) feeling quite hoprful about managing to pay of the smaller mortgage loan this year in full (current balance £11645) - am hoping to make a reasonable lump sum in March/ April time. If I can manage an extra £4500 then that means it'll be repaid in Dec (subject to usual OPs and no int rate rises) - which means our entire MF datw ould be brought forwrd to Nov 2016 - which means *only* (!!) finding extra OPs of around £4250 to get it all paid off by my ultimate goal date of July 2016.


Am still not organised enough to be completig surveys, nor even doing well on ebay - but plan to attck that in a few weeks. This month is all about paperwork - sorting, filing and finances - getting it all sorted out and exact positions known and a plan made. We've had to pay out £450 ish on tyres for DH's car (have horrible feeling that wan't on CC bill this month - so next month's bill is already large....!) but have no Xmas debt around now, *just* (! ) the £3750 left from the bathrooms...

Last few weekends have been spent pottering doing small DIY jobs - touching up paintwork, filling in/ rubbing down and repainting holes, putting up pictures etc. That, combined with some general decluttering, has helped my mood - it's all little bits and pieces, but needs doing. We still need to get loo roll holders for the bathrooms, though - and a towel rail for the downstairs loo, so I might put those on the 'to do' list for tomorrow

We are still in dispute with the people who fitted our hall flooring It's lovely - but a much lower level than the kitchen flooring, which is silly - and means all teh doors leading off the hall have gaps under them now. I had said to the company that I didn't like differing flooring heights beforehand - but it was fitted whilst we in Disneyland Paris. We ahven't paid anything for it yet - and are being threatened with solicitors now - but it's not waht we wnt, and their 'making good' that they offered involves lots of sealant, filler and bars between flooring levels (who wants a wide gold bar between oak parquet effect and charcoal porcelain flooring..!!) - and that's a compromise too far - this flooring was meant to be lovely, not a compromise. DH and I have never liked this house (not really), so this work we're having done is part of making it more ours and a home, rather than a house.