Twinklie returns to the property ladder

twinklie

So since the start of the mortgage 31st October 2019 we've paid £3,234 off the capital. So that's an average of £808.50 per month off the capital. I can cope with that.


Things have slowed down on the selling of things, we need to sort stuff now. But we've got quite a lot of stuff to charity shop and we've recycled lots of bits. The sofa is meant to be coming at the end of the month, but we've now had a bit of a change of plan and can't been here for the delivery date, so that's probably going to take longer now. Sob.


The storms have caused damage to our roof, one of the roof tiles has been hit and broken by something. So we should probably have that investigated and fixed. No idea how much that will cost - just hope it's fairly straightforward.

CathT

We found when my mum lives with us our electricity usage was really high (we have a smart monitor). Also got stung by a high water bill too.

Fingers crossed the roof repairs aren't too costly and we get a break before they decide to name another storm. Surrounding areas in our part of the world were really hit by flooding and fallen trees yesterday.

twinklie

CathT wrote: »

Fingers crossed the roof repairs aren't too costly and we get a break before they decide to name another storm. Surrounding areas in our part of the world were really hit by flooding and fallen trees yesterday.

Yeah we were too. My immediate location was ok (we are high up) but the lower parts of the city and surrounding areas are all flooded really badly. The destruction is so bad.

twinklie

The annual council tax bill came yesterday. It’s now gone up too £172 pcm over 10 months.

Boo. Still it’s better than the £315 we’ve had to pay the last couple of months because we had a debt after it took so long to get an accurate bill after moving in.

twinklie

I’ve not updated any of my figures. But this is way more important. After 4 months of sitting on two chairs...the sofa has come! :j

I’m so happy. It really makes the house feel more homely. It’s given us a few more ideas for what we would like as well.

We’ve also sorted a few more bits and pieces and got some more stuff into the loft. The garden table has been put up so we have somewhere to sit whilst the kids play now too.

Still loads to do. But it’s definitely getting there.

twinklie

Right figures are now all updated. Just waiting to find out exactly how much we own on the mortgage - should get the figure in 9 days. I can then update the MFiT-T5 challenge.


Now we have the sofa we've identified some other bits that we'd like to buy for the living room - unit for the TV, some big storage shelving units x 2. Doubt we'll be able to buy it all at once, but we should all things being well be getting the deposit money back from the rental. We are currently undergoing dispute resolution to get it back.


My mum's been ill for over a month so we've had no help with childcare, the boys have been ill and I've been and still am not 100%. Hubby is now also ill. So progress with everything has been super slow just lately.


It's the Easter holidays for DS1 next week, but DS2 is in nursery so I'm going to work. Therefore DS1 is trying a holiday club (fingers crossed he copes ok). Myself and DS2 then finish for the holidays on Thursday, so I need to come up with an Easter plan to try and keep costs down.

twinklie

Friday, 12th - [STRIKE]Toddler group coffee morning - £3, Lunch out and Food shopping - £13 for lunch[/STRIKE] DS2 has tonsillitis and has been quite ill so we stayed home. Saved £16 by not going out. £0
Sat, 13th - Solo food shopping (no lunch to pay for) - kids in garden. - £5 (bought a movie for tomorrow)
Sun, 14th - Movie and home play day - £0
Mon, 15th - Soft Play - £11.50 + £3 drinks = £14.50
Tues, 16th - Dentist - Free. Bought magazines £7.98
Weds, 17th - Stayed at home (baking and movies) - £0
Thurs, 18th - Hairdressers £14, Soft play £0, Lunch £10.75, Feet measured (both boys needed new shoes but I'm not counting that in holiday spends) = £24.75
Fri, 19th - Off the cuff day trip to York Railway Museum (first family day out since Christmas - Family train ride £10, Drinks £15.40, Ice Cream £9.60, Car park/Entrance Donation £10 = £45
Sat, 20th - Easter Baking £2
Sun, 21st - Easter Egg hunt and play in the garden - Free
Mon, 22nd - Egg rolling on the park - Free

Total - Running total £99.23


I found that in the last holidays not planning and doing very much is better for the boys. So I'm keeping it fairly home based with minimal trips out.

Wonder if I can cover the whole week for less that £50. I'd be happy with less than £100, but £50 would be epic!

twinklie

Some general house keeping bits and bobs to take care of and some address changes that need to be made this week. We’ve been a bit slow on the uptake for a couple of them.

1. Driving licence. - Done
2. Halifax - boys accounts and credit card.
3. Barclaycard.
4. Car registration.
5. Hubbys student loan.
6. Loan.

There’s probably a few other bits and pieces too.

We need to fork out for a new mattress which is a tad depressing. I forgot how expensive they are. But our current one is approx 12 years old and we are starting to wake up with back issues. So needs must.

twinklie

Bonus. Just had an updated P60 from 2016 which indicates I’m owed £437 in tax back! :j

twinklie

Updated mortgage figure is in paid off £4,030 since the start of the mortgage. An average of £806 per month off the capital. Longer months meaning more interest paid...boo.

I suspect I’m going to be a little off the pace for the 10K challenge I’ve set myself by a couple of hundred. But that’s ok.