Finally joining in.

gallygirl

I think the answer is quite simply that you haven't paid enough yet to take a month off the mortgage. How much is your monthly mortgage payment - once you have overpaid by that amount it will def. knock a month off the payback date, in reality it will take less than 1 month's payment due to interest saved, but with only £600 overpaid it's probably not enough yet.

Keep going though - there will be a magical time when you will op by £10 and it will knock a whole month off :j

coldstreamalways

gallygirl wrote: »

I think the answer is quite simply that you haven't paid enough yet to take a month off the mortgage. How much is your monthly mortgage payment - once you have overpaid by that amount it will def. knock a month off the payback date, in reality it will take less than 1 month's payment due to interest saved, but with only £600 overpaid it's probably not enough yet.

Keep going though - there will be a magical time when you will op by £10 and it will knock a whole month off :j

Hey Gally, I think you may be right, our monthly payment is £1609:eek::eek: so not paid enough yet . Just get carried away with the anticipation of seeing it drop:o!

I'll KBO (keep buggling on) as Winston Churchill used to say!!

Just trying to take up a MASSIVE carpet. Phase 5 of house plans (nearly there) but having a wee break. I was offered a six month old Wiemaraner pup today, OH and I want a dog so much but until we are squared and sorted it wouldn't be fair. Sooooooooooooooooooooooooo tempted though!

Back to the carpet!!

I will keep going

RosieTiger

hey welcome to the challenge!
The bigger the are the more worthwhile doing it so don't be put off by the scale.

A question for you - what's involved in keeping chickens. We have been thinking about it but wondered about the work involved, costs etc

gallygirl

RosieTiger wrote: »

A question for you - what's involved in keeping chickens.

:rotfl:I love the random questions on here :rotfl:

KolaKube

ColdStream i LOVE the idea of your ideal little house with the veg patch and chickens! Sounds so OS and idyllic

We're in the process of feathering our current (rented) nest with things of a farmhouse chic / shabby OS nature - there *may* be a bit of a chicken and gingham theme going on...!

limpy-jim

Welcome Coldstream Always!! Glad you have caught the bug - I Just joined in the last few weeks too and have got my diary on here too - It is very addictive though - Wishing my life away till the next DH Payday lol. He just has a small p/t job at the moment so we are throwig all of that at the mortgage in the hope of reducing our term from 19 years too 5!!!!!!

coldstreamalways

RosieTiger wrote: »

hey welcome to the challenge!
The bigger the are the more worthwhile doing it so don't be put off by the scale.

A question for you - what's involved in keeping chickens. We have been thinking about it but wondered about the work involved, costs etc

Hey Kola, I love our house so much (not tonight as the carpet is killing me!!) thanks, makes it so worth it.

Rosie, the chickens are easy flippin peasy. Basically, the guy we bought the house from had a fish pond with like a stone waterfall type thing. We dug out the pond and replaced it with a hen house bought from ebay. Quite a nice wooden one as we've made a feature of it. Then we incorporated the waterfall thing and our garden wall into our run. Basically, the run is either nailed (v v v v securely) to the wall, or dug abut 18" into the ground. We worked really hard on this, making a frame of wood and using heavy weight, narrow gauge wire to make sure it was absolutely secure top sides and bottom as we have kites and foxes which would gobble them up.

Then, we got our girls (4) and put them in there! As long as they have plenty of food (we use layers pellets as well as left over roast tatties and oopsie salad & veg from Mr T) they will eat almost anything! And lots of water, we leave them to it. They put themselves to bed and get up in the morning, lay us 4 eggs a day, one of them lays double yolkers and generally entertain us!

I would highly recommend it, as long as you can give them a category A secure run!!

Right, I must paint this skirting board and see if I can get some ironign done.

OH back tomorrow eve and I want him to relax!

LilacPixie

I would love chickens but too residential i think plus I have a love of cats

coldstreamalways

We are quite lucky that on the one side, we have no-one except some horses (and a deer) on the other side there is an old gent who has a garden sort of terraced below ours so we're not overlooked. All that and the M40 is about 500m away!! (Up a big hill so can hardly hear it but close enough for me to be able to commute to lots of different places).

We keep them squeaky clean so as not to attract anything gobbly and obviously it's good for them and they don't smell either.

coldstreamalways

OH is almost home, I've swept outside, put all the old carpet in the shed, swept and mopped through, finished the ironing and supper is ready to go in the oven! Phew! I'm hoping to surprise him with the work I've done.

Also have an extra shift of pt job so pleased with that although when it arrives I'll be annoyed I don't have the afternoon off!!!