misscousinitt's MF Diary

edinburgher

I am a bit embarrassed that I have kept this to myself and I hope you can all forgive me..., BUT it doesn't mean that I will be leaving MFW.

I can't believe you lied to us - what a cow!

Just kidding MCI, that's wonderful news for you :T

misscousinitt

gallygirl wrote: »

Great news - though not the circs obviously. What a great feeling it must be . Duly forgiven :T.

Thanks Gally...

misscousinitt

edinburgher wrote: »

I can't believe you lied to us - what a cow!

Just kidding MCI, that's wonderful news for you :T

And as for you - MOO ...I didn't lie - I just didn't say!

Money only recently came in and I have been deciding what to do. It doesn't mean for a moment that the the journey is over, just stage one completed a bit sooner than anticipated.

MCI

edinburgher

Very well done, pleased for you.

misscousinitt

So, as of next weekend we will be mortgage free and then on the Stage 2 which is building up a deposit and refurb fund for a new house.

We intend to keep the house we have got now and rent it out, this will not only help with the mortgage payments, but if everything goes pear-shaped, we still have a house to go back to.

We can borrow up to £159k, but we will be looking at approx £120k plus we will need a 15% deposit for a new house - so need to save about £25k including some refurb money.

Not all this will be saved from now - we both have some savings behind us which we have agreed that £5k each will go towards the new house once its found so £15k is the savings target.

First job will be to open a Reward Saver in both our names to deposit the money into. The £225 I was going to OP this month, will now become a deposit into this account .

---

In other news - grocery spends are at £81.

Charity meeting later, so DH is cooking tea - Burgers (from the freezer) with mushrooms, cheese and onions and also using part baked ciabatta from the cupboard!


MCI

PS Decluttered one cookbook shelf at the weekend.

misscousinitt

edinburgher wrote: »

Very well done, pleased for you.

Thanks Ed - you know I wasn't being funny with you? don't you?

The circumstances are not great, but our family friend who died in January was generous to us all and for that I am truely grateful.

Just hope that he would be proud of the decision I made about what to do with the money. :undecided

MCI

edinburgher

Thanks Ed - you know I wasn't being funny with you? don't you?

Of course - I thought we were just having a bit of back and forth

misscousinitt

misscousinitt wrote: »

Kitchen
· Fetch all the mugs out and see what we want to keep – the ones we don’t – package them up with some bits and pieces for sale for our charity at Christmas.
· Jars!
· Food cupboards
· Deep Clean appliances - fridge done!
Dining Room
· Cook books and magazine tidy up. one cookbook bookcase done - one to go...
· Shelves
· Dining Room Table
· Bottles – choose a nice one for the charity Raffle
Lounge
· Drawers of table
· Shelf tidy
Bathroom
· Declutter cupboard
Spare Room - probably the worst room in the house...
· Personal Paperwork this is a hefty area - started! bought a two drawer box - one drawer for personal and one for charity and then every month it can all be filed away - got rid of alot of recycling!
· Pictures – buy 2 x frames and get pics put up
· Sofa bed
· Printer disposal? – ebay?
Bedroom
· Paperwork - nearly done - just one shoe box full now to do!

[STRIKE]
· Clothes sort out
[/STRIKE][STRIKE]· Under bed[/STRIKE]

Loft
· Major tidy, sort out and label stuff - made a start - most of catering stuff is in boxes now and DH has tidied the Christmas stuff up so its ready to pull out when we get back from holiday - new cat box has also got a place - at least you can find some things now...lots more to do though...:)

[STRIKE]
· Plastic boxes required for catering stuff
[/STRIKE]
Other
· Need to look into ebay & pre-loved
· All rooms to be Deep Cleaned once decluttered

Slow progress..but keeping at it when I've got time.

megela

Hi MCI,

Kind of feels wrong to say 'well done', but you know what I mean.

Since we re-mortgaged we have come into an inheritance but I don't include it in my MFW figures as I want to do it without. However it does sit in offset reducing our interest, until we agree what to do with it. DH wants a new car, I want a new kitchen, or just to leave it there to 'look' at!!

We'd also like a rental when we've finished paying off mortgage - exciting plans for you.

Enjoy the feeling of being MF

Megela

misscousinitt

megela wrote: »

Hi MCI,

Kind of feels wrong to say 'well done', but you know what I mean.

Since we re-mortgaged we have come into an inheritance but I don't include it in my MFW figures as I want to do it without. However it does sit in offset reducing our interest, until we agree what to do with it. DH wants a new car, I want a new kitchen, or just to leave it there to 'look' at!!

We'd also like a rental when we've finished paying off mortgage - exciting plans for you.

Enjoy the feeling of being MF

Megela

Thank you for your kind words megela - you hit the nail on the head. Its sad, but I also wanted to do the best thing with some of the money as our friend was careful with his money and its only right that I should return the compliment.

That doesn't mean, however, that I am not going to enjoy some of it - have been enjoying taking friends out for meals (my favourite thing to do!) - few more to come before the end of the year!

Its certainly going to be funny writing a cheque for that amount of money on Saturday. :eek: