Getting a mortgage and then becoming mortgage-free!

VelvetFreak

Well done on the free pizza oven. What a great score! 

Hazelnutty

OMG that sounds amazing! Can you post a pic on here when you've done the restoration work?

South_coast

Nice work! And £15 off a £15 spend is pretty awesome too!!!

themadvix

Uber do have some far-too-tempting offers.... And it's worse if you both have an account as you can alternate between which you use and get better offers the longer you leave it.... (Not that I'm speaking from experience at all!) (and now S&S offer Uber vouchers... which can be used for Ubereats.... oh dear....)

The pizza oven sounds amazing - by coal, I assume you mean charcoal? What a freebie find though!

Kittenkirst

themadvix said:

Uber do have some far-too-tempting offers.... And it's worse if you both have an account as you can alternate between which you use and get better offers the longer you leave it.... (Not that I'm speaking from experience at all!) (and now S&S offer Uber vouchers... which can be used for Ubereats.... oh dear....)

The pizza oven sounds amazing - by coal, I assume you mean charcoal? What a freebie find though!

Ohhhh that’s good to know about the Uber situation- we will keep an eye for good offers for sure! 

Yes sorry it’s a charcoal One. It didn’t come with the pizza stone, pizza peel or grill pieces so we’ve been having a mooch the past few days online and ordered today (£50 though ouch!)- should be here for Saturday lunchtime for us to test it. We have the basic ingredients and happened to have already put mozzarella in the food delivery that came last night! If all works okay then I’ll get the high temp paint ordered and check what sandpaper we have in stock and go from there. Fingers crossed it works otherwise we’ve wasted that £56   

I have visions of sunny ☀️  pizza evenings in the garden so hoping it works out! 

Work is really dragging at the moment- I have lots to do but am struggling to remain focussed. I have managed to do my hiit workout before work and have updated my money s/sheet and app with all the money shuffles. 

Ive heard of 2 colleagues in my pool who want to stay and there’s me that wants to go....I just need the other 94 to have only 19 people wanting to leave and volunteering....! 

Mortgage overpayment of a small £17.69. This rounds up our monthly payment minus the interest to £515 net reduction off the mortgage. Not huge amounts but it’s something. I’m hesitant to overpay any larger amounts until we know the job situation.

VelvetFreak

I can’t imagine too many others want to leave in the middle of a pandemic! Hope you can find out soon. 

Kittenkirst

VelvetFreak said:

I can’t imagine too many others want to leave in the middle of a pandemic! Hope you can find out soon. 

I was hoping this too, however with the company changing our terms & conditions the future redundancy payouts will be dramatically less. Therefore a lot of long-tenured folks are really considering it, including ones I thought would stay forever as they love the company. Time will tell what happens next!

The adventures with the bbq pizza oven continue as we’ve ordered the stone which was delivered yesterday, mum and dad had some charcoal and we found pizza peels on clearance in Homebase. So we reserved one online and collected it after work earlier in the week (before revenge of the lockdown was announced!) We will send the pizza peel we ordered online back as we will be saving £16!

I spent a good few hours cleaning the bbq oven yesterday, the stainless steel was very stained an odd orange/brown colour so I used a stainless steel spray, cif, washing up liquid combined with bicarbonate of soda to clean it. The three cleans with different products got it shiny and clean but it was still very stained. 

A rummage in the cupboards found some barkeepers friends and that was like a magic potion alongside more elbow grease and now, other than some fire stain it’s shiny silver again and looking fantastic! 

We trialled using it last night and made salami and chill pizzas for dinner last night but my dough recipe turned out very thin & crispy so will try a different one for next time. But they turned out good and was a super lovely Friday night supper 

Now we know that it works, I have ordered online the high temperature paint, so next weekend it will be our mini project to sand down the stove parts, wash it down and then repaint it and restore it to almost brand new!

In total, with returning the online pizza peel and ordering the paint, we will have spent £56 in total for it. Brand new they range from £165-£200 for this model so we are super pleased and it’s keeping us entertained now we are back in tighter lockdown restrictions again! 

Gf has put £16 into the joint account that she won so I’ve sent that to the mortgage today bringing our overpayments for the month to £38.69. Not huge numbers but little and often all helps pay it down.

Today we’ve both got our workouts done, cleaned the house, walked to see the parents from the doorstep and now gf is having a nap (side effect of her condition is that she gets tired easier than I) and I’m doing more travel studying and planning. 

Tonight we have chicken wings (cooked on the barbecue) with homemade coleslaw and I’m very much looking forward to it. Gf will have jerk marinade, I think I’m doing garlic & thyme for mine. I can never get over how cheap chicken wings are to buy compared to eating them out. It’s a frugal dinner to cook at home and one of the gfs faves too so brownie points! 

Kittenkirst

The girlfriend had a few days off and became good friends with Paddy Power in that time. She had a free bet for £5, staked it and won £55!! So she has been using the profits for that and playing on roulette every now and then.

She turned that £55 winnings into
•£141 in total overpaid to the mortgage, •£20 for a takeaway treat for us 

•£40 put towards our service charge for the house!

She’s being super sensible and only using the profits from that free bet, withdrawing the winnings when it gets to a set amount and just playing with the remainder. However I think she’s done with it for now (doesn’t want it to become addictive!). So we will take that as good fortune for us!

It brings our overpayment for September up to £168.69 (so I will send an OP for 1.31 at the end of the month if we don’t make any more). Which is fantastic and unexpected!

The high temp paint has arrived for the bbq, so I just need to find some sandpaper to sand it back. Hoping for some good weather to get cracking with it. Luckily the cheap cover from eBay arrived before the torrential downpours of the last few days!

From a work perspective the window to opt for voluntary redundancy closed yesterday and they are saying they will share the output from week commencing 5th October, so not too much longer to wait.

A close friend sits under another side of the business and should get her outcome today/tomorrow so I’m nervous for her, as well as for me. Chatting to a few people in my pool and they’ve all opted to stay (if they can), however I only know 7 people and the pool is 97- I don’t know the other 89 or what way they will decide so it’s all a waiting game and positive thinking.....

 

themadvix

Hope you get the outcome you want!

VelvetFreak

Fingers crossed!
Must say I am very jealous of your pizza oven. Wish I had an outdoor area, I would totally get one.