Making chicken feed of my mortgage

gallygirl

muddywhitechicken wrote: »

Good morning

I've just made my final OP of 2012 - £746.57 - which means that I will start 2013 with a total mortgage debt of £164,999.99

ETA: A total of £8,697 OP'd this year :j:T

That's great - well done :j, love the end balance .

muddywhitechicken

Thanks GG

I've counted the contents of Mr MWC's secret loose change moneybox (secret in that he doesn't know about it!) = £13.71 - not bad for 3 months

I have no energy but lots of things to do... so a list is required:

[STRIKE]Shower/dress[/STRIKE]
[STRIKE]Clean chicken coop before it starts to rain[/STRIKE]
[STRIKE]Make tablet for Mr MWC's relatives - slowly melting the sugar about to start
boiling it for 20 minutes[/STRIKE]
Make last batch of cookies
Finish last 2 hampers (fabric jar toppers, labels etc)
Shine sink
Find homes for all the stuff on the dining room table
Dust
Hoover
Clean bathroom
Make carrot & butterbean soup for dinner (hoping that if we eat before we go out this evening we'll eat less party food)
[STRIKE]Laundry[/STRIKE]
Phone friend and wish him a happy 50th birthday

muddywhitechicken

muddywhitechicken wrote: »

... so a list is required:

[STRIKE]Shower/dress[/STRIKE]
[STRIKE]Clean chicken coop before it starts to rain[/STRIKE]
[STRIKE]Make tablet for Mr MWC's relatives[/STRIKE]
[STRIKE]Make last batch of cookies[/STRIKE]
Finish last 2 hampers (fabric jar toppers, labels etc) - 1 down, 1 to go
Shine sink
Find homes for all the stuff on the dining room table
Dust
Hoover
Clean bathroom
Make carrot & butterbean soup for dinner (hoping that if we eat before we go out this evening we'll eat less party food)
[STRIKE]Laundry[/STRIKE]
[STRIKE]Phone friend and wish him a happy 50th birthday[/STRIKE] and chatted to my brother for half an hour

Have made a dent in the list but not started any of the entries related to housework...must get a move on Mr MWC will be home from work at 4!

tjp70

Happy New Year MWC. I have enjoyed reading your diary and am looking forward to further updates.

tjp

muddywhitechicken

Thanks tjp - Happy New Year to you too

I've spent the morning doing one of my favourite things... online banking and shuffling money between accounts

£575 OP to further advance
£250 to regular saver a/c
£250 to holiday savings a/c

I'm working on Mr MWC to match the £250 to the holiday a/c as we are off to Mexico in March and I don't want to dip into other savings accounts to pay for it

Happy New Year to all MFWs

MWC

PS Didn't finish all my jobs yesterday but I did wake up to a lovely shiny sink this morning

muddywhitechicken

Mortgage update:

1 January 2013 (before regular monthly payments and January OP)

Original mortgage (interest only)
2.50% BMR
Daily interest = £6.08
Redemption date = April 2028
£88,782.56

Further advance (repayment)
2.50% BMR
Daily interest = £5.22
Redemption date = November 2025
£76,217.40

Total = £164,999.96 (my sums were slightly off as I paid 3p less interest today!)

Both mortgages were due to finish April 2028 so we're really chuffed that the current redemption date for the FA is November 2025 :cool: and today's OP has already knocked off another month

muddywhitechicken

And here are my goals for 2013:

• Financial

1. Spend mindfully in 2013

Do I want it? Do I need it? Will I use it?

Write a shopping list and stick to it



2. Over-pay the mortgage by £1875 per quarter

• Personal

1. Health and well-being

Lose the weight I gained in 2011 (yes, 2011! I’m only 3lbs heavier than I was on 1 January 2012 but that doesn’t tell the whole story… I had lost 19 pounds before I hurt my ankle in March and then a combination of lack of exercise (I couldn’t get a shoe on for 2 weeks let alone walk), more snacking and then portion sizes increasing gradually throughout the year meant I gained it all back )

Exercise

Drink more water

2. Meet new people and spend more time with friends & family

Join WI
Host at least 1 "event" per quarter


3. Improve knowledge

Current affairs, learn a new craft


4. Career

Update CV and Linked-In and look for a new job

• Material

1. House

Paint spare bedroom and furnish
Paint hall/stairs/landing
Paint exterior window frames
Carpet stairs, landing and bedrooms

Shine my sink daily!

2. Garden

Replace roof on chicken run
Grow more edible plants

muddywhitechicken

We went for a walk this afternoon and popped into the supermarket to buy 4 pints of milk. Resisted the urge to buy something else so that I could use my nectar points to pay and Mr MWC had a £1 in his pocket so he paid :T

I've made mulled plums and blueberries (waitrose recipe) using some of the cheap plums I bought on Sunday, some of the bargain blueberries in the freezer from ages ago and a sorry-looking orange from the fruit bowl

Sausage and squash toad in the hole for dinner - smells fantastic, it'll be ready soon

2 eggs today - I might have enough to sell this week

nattypants

Great goals MWC and a Happy New Year to you:T

PS you didn't mention whose bottom(s) the eggs dropped from;)

muddywhitechicken

nattypants wrote: »

PS you didn't mention whose bottom(s) the eggs dropped from;)

Sorry NP :rotfl:Miss B and Miss Q laid today - I'll be lucky to get a egg from Miss D, Miss H, Miss M or Miss W until the middle of next month!

Hope you're feeling better

MWC