Making chicken feed of my mortgage

Greying_Pilgrim

Ed if you mean the red one, then that is most likely some type of Maple - they have the most glorious red leaves. I can't remember if the yellow is most likely to be aspen, cottonwood or birch (depends on location - but the bark looks wrong for a birch). I think that the orangey one in the pic is a beech.......

I do know that the colours 'glow' and have to be seen to be believed - pics really look like they have been 'altered', the colours are so unreal.

I defer to a tree specialist as to the actual varieties though - I only know broad 'categories' of tree

Greying

muddywhitechicken

Thanks Greying :T

As there is a tree expert on the thread here are another couple of photos!

Goldiegirl

Greying_Pilgrim wrote: »

And it shows how befuddled I am - as Newark is in NJ! Tsk - orf to brush up me Geography skills! :rotfl:

Greying

It's ok, you aren't befuddled - we flew into Newark for our New York trip. It's only a short drive to NYC. We had a fab view of the Manhattan skyline on the drive in.

I love your photo's, MWC

CathT

Fab pics, good to have you back MWC, missed your posts.

muddywhitechicken

Thanks CathT!

CC bills paid and £1,000 MOP'd

I've decided to start overpaying the IO mortgage rather than the repayment further advance. This will give us access to our OP reserve on the FA for another 18 months should our circumstances change...

Mr MWC is about to accept the new job
Increased basic salary - worse benefits - no bonus or pay rise next year = similar salary next year, much better from 2016 and he will get 10,000 shares if the company floats

Karmacat

Lovely pix, MWC, really beautiful.

Seems sound to me to repay the IO component of your mortgage ... presumably it doesn't really *give* you anything in the way of benefits?

muddywhitechicken

Karmacat wrote: »

... presumably it doesn't really *give* you anything in the way of benefits?

Both bits are on the BMR at 2.5% KC - the only advantage I can see to continue paying off the FA is that once paid off (estimated May 2015 if I was to continue OP'ing on it at the current rate) then our mortgage payment would be £184/month

I wasn't tempted whilst returning the unnecessary clothes - £182.45 refunded and only £10.50 spent (on underwear/socks) :T

And one of my lovely neighbours (no idea who) left a bag of HG potatoes on the doorstep whilst we were out

muddywhitechicken

Eggs IN 3
Eggs OUT 8 (4 each given to The Dads)

Mr MWC excelled himself in the kitchen again today :T Roast leg of lamb with haricot beans (this recipe but rather than pot-roasting he roasted the meat on the shelf above so the juices dripped into the beans :drool:) and pan-roasted turnips with leafy greens

Stuffed now and we will need to go for a walk this evening

muddywhitechicken

Note to self - wear pedometer every day - I'm walking less than I was in the summer and it was really noticeable this evening

This evening I've also claimed £11.02 from TCB and a £10 voucher from CP :T

muddywhitechicken

Eggs IN 4
Eggs OUT 0

Forgot to wear the pedometer :doh: I didn't remember until I saw the note to self at lunchtime :rotfl:

Strange letter received from N/wide - they've recalculated the monthly mortgage payment on the IO mortgage (up £0.34/month). Not sure why as none of the example events are relevant ... :think:

Yummy leftovers for dinner

And now I need to pack as I'm off on another business trip...