My mortgage clobbering post

Frith

Aiming to get online again with my mortgage company so have just made the necessary phone call and new passwords will be sent in the post.

Will overpay on Thursday.

Hoping for rain. Thunder forecast but hopefully not when we’re having our weekly campfire! 

Frith

I thought I’d apply for the Budgeting Loan, which paid for my 3 replacement window frames years ago (interest free government loan). Sadly, they’ve tightened it up so you need a very disabled person in the household, not just a disabled person. So the “no” letter arrived today.

Slightly disappointed.

I have made 3 meals worth of tomato sauce (9 portions), stewed rhubarb from the allotment and picked redcurrants for the freezer and raspberries for our porridge in the morning. Just making a pizza base for tea tonight. 

longway2go

Annoying you can't get the budgeting loan. Well done on the food prep, it all helps 

Frith

Now:

Mortgage - £36,798.51

Savings - £25

ISA - £25

Frith

Have just submitted my meter readings to the new electricity suppliers. Hopefully I will get my overpayment back from Bulb.

Picked redcurrants and raspberries from the allotment.

Put 8 items on eBay. All my clothes are from charity shops so it’s funny to see people battling over them!

Frith

Spent 50 mins talking to a pleasant man this afternoon and can finally look at my mortgage account online. There was a long forgotten bank account with my mortgage company (from 20 years ago) that was dormant. So the chap reopened it and will now shut it again! It had 84p in! For some reason, this was stopping me from logging on.

It is useful to now be able to see everything on screen. I could see the 10% overpay is definitely up at the end of December each year. 

Ebay items are all doing ok. Son 1 has returned from cycling around (had 3 days camping well away from everyone, in his tent). He had done about 250 miles so I've been cooking all day. A cooked breakfast, lunch, big tea, Eton mess then shortbread.

More raspberries off the allotment (it was a raspberry Eton Mess) plus redcurrants. 

Mortgage - £36,798.51

Savings a/c - £25

ISA - £25

Sistergold

That’s great that you can now go online and view everything! Eton mess 😋 

bethjames5681

Sounds like you're doing everything right and taking everything in your stride in a really pragmatic way, regardless of the mess you were left in.

I'm cheering you on!

Frith

Thank you, both.

Not much to report, mortgage-wise. Ebay is going well - one shirt is up to £9.50 already and it can't have cost me more than £4 from a charity shop last year! I've got 11 things on there now and even £20 will be a bonus and go straight on an overpayment. 
I've started completing Yougov surveys again. Looks like I am £340 in credit with Bulb so hopefully they will give me that back without a fuss.

I have got to make a spend this week - to buy us a takeaway for my birthday. The takeaway has widened its delivery circle during lock down so it stretches for about 10 miles now. This is the first time in my life that I will have been able to get a takeaway delivered to my door! I shall make the rice while it is on its way and look forward to 3 tasty curries. They're a fantastic takeaway and restaurant and have given away 1000 free meals to NHS workers during lockdown. 

In other non-mortgage news, I have spoken to Legal Aid (or whatever their rebrand name is now) and it looks like I will be able to appoint a solicitor again for smaller son. He had to have one in year 5 to get him moved to a special school. At 16, he was "plonked" in a mainstream college and, after 9 months of absolute nonsense coming from County, he will need another solicitor to sort things out again. He hasn't been at school/college since January 2019 so I put his school shoes on Ebay today! He only wore them to walk from my car into his GCSE exams then back to my car when he had finished. When he was taking his exams, he was 5 foot 7 with size 8 feet. He is now 6 foot 2 and needs his feet measuring!

Frith

Birthday money and eBay sales of £258.51 (to round it up).  One charity shop shirt sold for £41! 

Bulb say it’ll take 6 weeks to refund my overpayment. How cheeky. 

Now:

Mortgage - £36,540.00

Savings - £25

ISA - £25