Getting a mortgage and then becoming mortgage-free!

newgirly

Hope the celebrations are going well

PrincessLou

The birthday treats and decorations sound lovely and so well thought out Hope you all have the most wonderful time :j

Kittenkirst

Thanks for all the well wishes ElephantChunks, Newgirly & Princess Lou!
The birthday went well, she loved the presents and we had a great day in London.
Her bro & sis in law (& nephews) didn't come to the London eye in the end, but I hadn't realized gf's parents had never seen that part Of London so it was lovely showing them around and they had a great day too.

Gf's present from brother was a and cookery course for two at he Raymond Blanc cookery school in Oxfordshire. What a thoughtful gift and now means we have two weekends away to plan (one for the hot air ballooning and one for the cookery course). Good news is gf has now come around to he idea of airbnb as a supplier at work was raving about how great she has found it...definitely a step in the right direction as she only really likes to stay in plush hotels (Hiltons, hyatts, Marriott etc!!!)

The restaurant got ditched in favour of a BBQ at her brothers house instead so we got to play in the sunshine with the nephews and chill out which was nice too.
The birthday celebrations continue with a meal I have sorted with friends at a nice Mexican she loves in town- there's 19 of usgoing so I am busy sorting the preorder and the deposits been paid so all should hopefully go smoothly.

The £20 loose change from the lucky cat change piggyback has been paid in and OP'd as well as the £3 from Pinecone, I've also moved the £5 cashback from TSB for contactless usage across too and a few small tilly tidies of change.

OPs for June are therefore now at £201 which is pleasing!
The first direct regular saver has gone in of £300 also so it's all looking positive.

We've had a (recommended this time!) tiler out for a quote to do the kitchen walls above the work surface and the splash back, it includes a window and is £150 and take approx 2 days.
We just need to pick and order our tiles now, we originally wanted a lovely sea green/blue but now thinking a lovely lavender would be nice and bright to go with the charcoal gloss cabinets, white work surface and white shiny floor tiles...hoping to go one day this week and confirm.

We've got a friend over tonight so thinking of a BBQ (BBQ is at parents house but they won't use it -they'd come here if they wanted a BBQ-so said as gf bought it we can have it). I've been tidying up a bit before work as the weekend was so hectic so all of the floors are mopped. Having a quick cuppa then back to work. Planning on cleaning bathrooms on lunch- rock n roll lifestyle

Fortune_Smiles

This all sounds fabulous Kitten. Have a wonderful time.

Fortune x

Kittenkirst

Our first mini BBQ in the garden became a bit of a drunken affair- on a school night :eek:

Our friend used her meal allowance to get some chips & dips, some fruit for in fizz and some other snacks. She also bought two bottles of rose (paid for those herself though onviously)
Between three of us we managed to polish off five (!!!) bottles of prosecco & rose!

We utilized some chicken from freezer and some leftover from weekend and made a jerk & lime marinade, bought some 'posh dogs' from M&S (taste like normal sausages so not really worth it but glad we've tried them) and £1.55 on coleslaw and bread rolls. We also did some jacket spuds in the microwave and then popped them on the BBQ. £6 for the BBQ and lots of stuff from stores isn't too bad for a BBQ, I feel we were pretty frugal with it, and we all had a lovely giggly night!

I then had to leave the house at 5am to travel up north with work today was a very very long day and due to the late night & early start I had to buy food rather than taking a packed lunch. Will work from home tomorrow and have a frugal day!

55p tilly tidy today and £1.39 cashback received for the Mikado bought the other day making them free (shopmium!) shopmium has milk for free and a cider so will collect those from *sda tomorrow on the way to Jewellery class (swapped days this week so we could have mini bbq!)

Now catching up with the handmaids tale which is one of my all time favourite books (I do love a post apocalyptic disutopian society read!) whilst the kittens snuggle on the windowsill kept cool by our little desk fan....they are just the sweetest! :A

Kittenkirst

Thanks Fortune Smiles I forgot to mention the meals on Friday night, friends are going in early to decorate the room with the banners and confetti I've bought so I'm hoping she's pleased on the night :j

Kittenkirst

On a geeky note, I have reconciled my banking s/sheet I keep and archived the Jan-may data. This has meant I've had a look at the movements of money from Jan-End of May on the whole and the numbers look ace I think:

1/1/17-31/5/17

Overpayments: £1085.03
Mortgage payments: £4052
Interest paid: £2087. Total capital cleared £3050.03

Savings increase: £2093
Pension pot increase: £1816

Student loans decrease: £1422
Credit card cleared: £979.31


This means my personal financial situation has improved by £6300 (savings and debt movement) and our joint financial situation with the mortgage has improved by £3k

This has given me a little positivity for today's work day!

Kittens are running around like little mini demons today, luckily it's still warm but not as humid and sticky as earlier in the week!

Jessy103

Kittenkirst wrote: »

On a geeky note, I have reconciled my banking s/sheet I keep and archived the Jan-may data. This has meant I've had a look at the movements of money from Jan-End of May on the whole and the numbers look ace I think:

1/6/17-31/5/17

Overpayments: £1085.03
Mortgage payments: £4052
Interest paid: £2087. Total capital cleared £3050.03

Savings increase: £2093
Pension pot increase: £1816

Student loans decrease: £1422
Credit card cleared: £979.31


This means my personal financial situation has improved by £6300 (savings and debt movement) and our joint financial situation with the mortgage has improved by £3k

This has given me a little positivity for today's work day!

Kittens are running around like little mini demons today, luckily it's still warm but not as humid and sticky as earlier in the week!

Great news! Well done!
:T

EatingTheElephant

Fantastic figures :T I'm always impressed at how much fun you are squeezing in on top of the financial prowess. You'll be MF in no time

chumpy45

Fab progress as always :T and BBQ sounded great fun. Can't beat some fizz on a sunny day (or school night :rotfl:)