Getting a mortgage and then becoming mortgage-free!

Staffordia

Congratulations, lovely news.

Fortune_Smiles

Wonderful news!  Happy nesting and wedding planning.

Fortune x

debtfreeoneday

Congratulations!!

Jessy103

Congratulations! ❤🍾

Watty1

Just catching up with you. Congratulations 

CathT

Congratulations to you both, really exciting times. 

Kittenkirst

Morning folks, thanks very much for all the well wishes

The house is progressing along; our floor guy has been in and so far upstairs is all boarded ready for the LVT flooring, downstairs has had the underfloor matting and electrics installed and was screened last night.

Now just waiting for that to dry and he can get cracking. Annoyingly though due to other jobs it looks like it wont be finished until 22/10 which is a bit later than we thought/ hoped.

However, its best to move in once its all done and dusted so we will just have to be patient!

Movers are now booked for 25th October, and Ive booked 25th and 26th off work to unpack and get sorted (hopefully).

Redrow have been great so far; snagging man went in and said its a good build just some small bits to sort (clear out some guttering, fix the leaking seal in kitchen sink, tidy up a little of the plaster work that’s a bit patchy etc). They’ve really been struggling with getting people out so the site manager advised he wasnt happy with the house clean or the window clean on completion, so he’s said they will come out once our floor man has finished and give it another clean and clean down the windows ready for move in.

They’ve also sorted the fault code that was on the boiler (simple thing to fix- something should have been removed at install but was forgotten so sorted in 5 minutes by Valliant), fixed the kitchen sink leak (just a seal to replace) and have been out and done a few other small pieces already.

I must say I’ve been super impressed with their speed of response and also how keen they are to please

In Moneysaving I did one set of deliveries last week so earned £30.83 after tax/insurance etc, however I had a really bad pain in my neck all week so decided the deliveries (& exercising) would have to wait. This week Ive woken on Sunday with a super scratchy throat and now have a cold so feel a little pants. Dosed up on some Sainsbury’s cold & flu tablets and a packet of Halls sweeties to ease the throat too.

Last weekend we managed to take advantage of the Marks & Spencer’s Sparks £5 of free food; as both the gf and I, and her mum all have a sparks card we used all three to get a variety of treats for the cupboards as well as one of their pizza deals for a ‘fakeaway’ night (we got the yummy cheese straws, squash, fancy crisps that were reduced etc). It was a great deal really.

Olio has also been great the last week; a lady round the corner from me popped a listing on for cooking apples so on Saturday morning I was up a ladder picking two huge bags of apples. I prepped one bag last night and they are in the freezer, the other bag will be used for Chundo (an Indian chutney, usually made with mango, but i love it made with apples!) I will see if the lady likes spicy chutneys and drop her a jar off if she does, once its made. I also picked up a bunch of flowers last night- a fancy Tesco bouquet (£15 full price) which is now in a vase in the kitchen smelling wonderful and brightening up the room!

I applied for market research yesterday and had a call to confirm I’d been accepted; so on Monday i have a 90 minute zoom call and hopefully that will be £50 paid to me after. Ive not done this before so I’m a little nervous, but I do zoom calls every day for work so I’m trying not to overthink it too much. Plus the draw of £50 is pretty appealing to me

Kittenkirst

Oh, I probably should update the post to put the new figures in (now Ive sorted the mortgage online banking)

New House Purchase: £394,995
Mortgage amount: £309,499. 
Equity amount 21%

2.05% interest fixed for 5 years. Term of 30 years (!)

New mortgage payment is £1,151.54 per month and interest will be approx £550/ month to start- but we plan to pay down as much as possible over the next five years and our stretch target is to get our equity to 35% by the end of the 5 year fix.

themadvix

Hope you're feeling better soon. The flowers from Olio are great, aren't they?!

Will be interested to hear about your market research thing - I've considered those, but a bit scared of the Zoom-ness of them! I don't know why either, but like you say, £50 is quite a nice incentive. I'm sure it'll be absolutely fine - I guess it's just the not knowing what's expected of you that's unsettling.

Kittenkirst

themadvix said:

Hope you're feeling better soon. The flowers from Olio are great, aren't they?!

Will be interested to hear about your market research thing - I've considered those, but a bit scared of the Zoom-ness of them! I don't know why either, but like you say, £50 is quite a nice incentive. I'm sure it'll be absolutely fine - I guess it's just the not knowing what's expected of you that's unsettling.

So lovely to get the flowers- they smell so amazing and oddly even though I got them they’ve really cheered me up a lot. Small things

Yes its a bit odd isn’t it with the market research @themadvix - I’m hoping once Ive done one, that I will feel confident to do more in future and will start signing up more regularly; it could be a nice little top-up earner really.

Ive got my eye on a coffee machine for the new house (we’ve been researching for over 2 years ha, nothing like procrastination!) and so far we’ve got £75 of amazon vouchers, £135 leaving gift for gf changing roles & £40 from selling a super old laptop, so the additional £50 from the market research means we are almost there and just need to find the £78 to have it paid outright with additional earnings.