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The second hurdle - Nichelette v the huge mortgage

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Comments

  • Nichelette
    Nichelette Posts: 2,211 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Oh this is interesting! I've never had that one but I had £5 off £40. DH had £5 off £30 the other day. I have seen people getting free cleaning products but never me. I thought we all got the same but maybe bit more random!

    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £182,525.16
    Overpayments since 27.03.19: £59,482.47
    Moving fund so far £4000 - Premium bonds £4,000
  • South_coast
    South_coast Posts: 6,393 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic

    Ooh, that is curious - I thought everyone got the same as well 🤔!!!

    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Nichelette
    Nichelette Posts: 2,211 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    So week has been a bit of a disaster 🙃. I have the week off to look after DS1. Everything has been manic with easter and his birthday on Tuesday. On Sunday DH decided it was a good time to start assembling bunk beds (have been in storage) whilst I was trying to cook roast. Unfortunately though he won't admit it he's absolutely awful at flat pack (I do it all) so after spending ages putting 5 bits of wood together for one headboard he had a temperature and I ended up juggling making that whilst cooking roast. To be fair he has had a just below 40 temperature but he was in bed until yesterday apparently dying... He was obviously ill to a degree but I'm not the best at sympathy 🙃. We started potty training DS2 on Friday over the long weekend as we only usually get 2 days with him so was also trying to juggle that simultaneously.

    Roll on yesterday and DS2 has come home with spots on his torso. Turns out that he'd had severe HFM before and not chicken pox 🤦🏻‍♀️. Only have myself to blame because I bathed them together thinking he had immunity. We're going to IOW tomorrow so perfect timing. He's okay in himself at the moment so only hoping it doesn't get too bad. DS1 had them in his mouth and wasn't good at all. I had a bit of a sore throat yesterday and slight raised temperature but it's okay this morning so going to take loads of zinc and hope for the best.

    In happier news have OP'd PB money so getting closer to 170's. I feel like 210ish to now has gone really quickly (probably hasn't actually 😅).

    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £182,525.16
    Overpayments since 27.03.19: £59,482.47
    Moving fund so far £4000 - Premium bonds £4,000
  • South_coast
    South_coast Posts: 6,393 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic

    Hope everyone manages to perk up for your trip 🩷

    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Nichelette
    Nichelette Posts: 2,211 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Thanks @South_coast DS2 still in good spirits so fingers crossed! Anecdotally I've heard that the younger ones are usually better with it and he's not quite 3 yet so crossing everything.

    I had a quick look out of curiosity and we were at 207k when we started last 2 year fix so we're down about 25k including the 5 I've done recently. I'm quite pleased with that considering we've had 2 in FT nursery for a good chunk of that at the highest rate we've had. The interest was around £800ish depending on how many days in the month so only £350ish (about £8400) was actually capital repayment, everything else was an overpayment.

    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £182,525.16
    Overpayments since 27.03.19: £59,482.47
    Moving fund so far £4000 - Premium bonds £4,000
  • edinburgher
    edinburgher Posts: 14,534 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    @South_coast - I get heartily sick of the Mr L coupons changing. Just as I get used to a freebie, it's gone! I don't then continue buying it, so I fail to see what they achieve with the chopping and changing?

  • South_coast
    South_coast Posts: 6,393 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic

    Ed, you're taking this way too seriously - I just like getting free stuff 🤣!

    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • edinburgher
    edinburgher Posts: 14,534 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    As a parent with two weans, going grocery shopping is my Woodstock! 😁

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