Twinklie returns to the property ladder

twinklie

Took the kids to the library where we made pop up books. A lovely free activity to start the day. 

Came home and played Lego. Sounds like a top MSE day, except I’m still ill and had to throw up at the side of a very busy road. I think I’m having a reaction to my antibiotics. 

CathT

Sounds like you've had a really lovely Easter break with the children but sorry to hear you're now poorly. Hope you're able to rest up and get well soon. 

savingholmes

Sorry you have been poorly.

What a shock about the neighbour.

Good news about the fence cost sharing

twinklie

Oooh a £40 and a £15 payout from TCB, which when it clears will go straight to the mortgage. 

savingholmes

Fab result! Keep it up!

twinklie

May update

DEBT 

Made up of car loan and DH's phone.
I've decided to take this off because I have to rely on DH for updates on these and it drives me potty. But I'll keep a check on it separately. 
Start of year total debt = £5,432 

SAVINGS
Aim to save £400 per month to build emergency fund and for rainy day expenses (car, house maintenance etc.).  DONE (with a bit extra). 

 

MORTGAGE 

Current daily interest - £13.85

We now own 24.60% of the house - current rough valuation actually puts us as 35.19%.

4 rooms owned (5 if I go with the higher valuation). Yay - I've bought another one!

Paid off 15.78% of the mortgage. 

Current MF date - Oct Sept AUGUST 2037.

Given all the increasing in cost of living etc, I'm ok with this update. Feels fairly positive. 

We are away at the end of the month and I need to pay for our annual travel insurance this month - so not sure what will happen in terms of OPing - it might be a case of skipping a month just to be safe, but we shall see. 

savingholmes

Holiday plans sound nice. Where are you off too

Well done on the percentage of the house owned.

twinklie

savingholmes said:

Holiday plans sound nice. Where are you off too

Well done on the percentage of the house owned.

A trip to spend time with family up in Glasgow. I genuinely cannot wait!

I did my first full day in an office since Feb 2020 today. It was very weird. It was crazy how little I actually got done. 

savingholmes

I found my first day back really hard. I go in occasionally now and have for about a year. Sometimes I'm productive there, sometimes I find it too distracting

twinklie

Swings and roundabouts. The dog is having her first season so we are forced to have a quieter weekend as we can’t really do any of the stuff in terms of dog walks we’d normally do. 

It also means she should have finished her season by the time we go on holiday all being well. So that’s a relief. I was a bit worried that wouldn’t be the case and she’d come into season whilst we were away, which wouldn’t have been pleasant for her. 

Works very stressful at the minute, so I’m very much repeatedly chanting the daily countdown of days left to work. I can’t wait for it to be over so we can just go away and relax. I can’t tell you how much I need this break. 

I’m still not feeling right, but I have the doctors again on Wednesday so fingers crossed they may have a suggestion for me.