Adventures and Overpayments

145791017

Comments

  • Hi @chicker just wanted to drop by and say I've enjoyed reading your diary so far :) Hope your little one is feeling better soon and you all get a bit more (much needed) rest!

    I don't have a toddler so unfortunately can't offer any holiday tips, but I'm sure some other smart folks will have some tips and tricks to share
    My MFW diary: Big mortgage, small steps

    Mortgage start: £356,000 - December 2019 £345,052 - December 2020 £331,976 December 2021
    Overpayments 2020: £1550
    Overpayments 2021: £3550/£3450

    MFW 2022 #48 progress: £3400/£6000
  • savingholmes
    savingholmes Posts: 27,270 Forumite
    Name Dropper First Anniversary Photogenic First Post
    When is the holiday due to happen?

    Sorry you've needed so much physio between you - hope it's working.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • chicker
    chicker Posts: 142 Forumite
    First Anniversary First Post Name Dropper
    Hi @chicker just wanted to drop by and say I've enjoyed reading your diary so far :) Hope your little one is feeling better soon and you all get a bit more (much needed) rest!

    I don't have a toddler so unfortunately can't offer any holiday tips, but I'm sure some other smart folks will have some tips and tricks to share
    Hi almalobana!

    Thanks for dropping in 😃 Ooh I like the title of your diary - I like reading diaries with big mortgages as the end can feel so far away! I'll make sure I have a read.

    When is the holiday due to happen?

    Sorry you've needed so much physio between you - hope it's working.
    Holiday is booked for May. DH turns 40 in April but we wanted to go when it's a bit warmer and also out of school holiday time. Fingers crossed we're allowed to go!

    Also hoping the physio works 😂 I'm just suffering because I had such a big gap since I last saw anyone and pregnancy wasn't kind to my body! Hoping it settles down quickly because it's expensive but then it's miserable being in pain.
    MFW diary Adventures and Overpayments

    Mortgage start: £240,945 Aug 2020
    Mortgage now: 
    £230,738
    2021 OP total: 
    £605.85   1 month off approx

    MFW 2022 #39  £135.68/£1200
  • savingholmes
    savingholmes Posts: 27,270 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Hope you manage a pain free Christmas.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • chicker
    chicker Posts: 142 Forumite
    First Anniversary First Post Name Dropper
    Thanks @savingholmes 😊

    MFW diary Adventures and Overpayments

    Mortgage start: £240,945 Aug 2020
    Mortgage now: 
    £230,738
    2021 OP total: 
    £605.85   1 month off approx

    MFW 2022 #39  £135.68/£1200
  • chicker
    chicker Posts: 142 Forumite
    First Anniversary First Post Name Dropper
    Ugh I’m feeling rough at the moment. I had a sickness bug last Monday which took ages to get over. Since Saturday I’ve had a stinker of a cold with a really sore throat which keeps waking me up at night. All LFTs have been negative thankfully but I had my booster yesterday and I feel like I e been hit by a truck 🥴

    Currently watching some
    MFW diary Adventures and Overpayments

    Mortgage start: £240,945 Aug 2020
    Mortgage now: 
    £230,738
    2021 OP total: 
    £605.85   1 month off approx

    MFW 2022 #39  £135.68/£1200
  • chicker
    chicker Posts: 142 Forumite
    First Anniversary First Post Name Dropper
    Oops posted too soon!

    watching something cheesy on Netflix and feeling very un-Christmassy…
    MFW diary Adventures and Overpayments

    Mortgage start: £240,945 Aug 2020
    Mortgage now: 
    £230,738
    2021 OP total: 
    £605.85   1 month off approx

    MFW 2022 #39  £135.68/£1200
  • I hope you feel better soon @chicker when I had my booster I was advised to drink plenty of water for a few days after.
    Fashion on a ration 2024 66/66 coupons remaining
    80 coupons rolled over 0/80 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • savingholmes
    savingholmes Posts: 27,270 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Hope you feel better soon. I had my booster the week of my divorce but was exhausted but unsure if that was due to the booster or the divorce!
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • chicker
    chicker Posts: 142 Forumite
    First Anniversary First Post Name Dropper
    Merry Christmas everyone! 

    Thanks @savingholmes and @Baileys_Babe I'm still not 100% unfortunately but managed to get the house sorted on Christmas eve and enjoyed the day yesterday at my brother's.

    I've just decluttered one chocolate orange   ;)

    Money update:
    I asked for vouchers this year if anyone asked what we wanted so I've now used these to order a few bits from N£xt, M&$ and F@tF@ce. I had a list of clothes we needed and only a few things were in the sale. 

    I did manage to get the doormat I wanted in the sale but the best thing was I got a new car seat for our holiday from B00ts for £85 using two 10% vouchers plus nearly £12 of points on my card.

    I've done a bit of research on car seats when travelling abroad and decided we didn't want to take ours because it's big and expensive and I don't want it to get damaged or lost. I also read that the hire car company car seats are not looked after properly and they don't rear face so this was the next best option. 

    I'm really looking forward to the end of year bank shuffles - that's how exciting my life is! I'm also keen to write some financial goals for the year ahead as I have quite a few things I need to get sorted.


    MFW diary Adventures and Overpayments

    Mortgage start: £240,945 Aug 2020
    Mortgage now: 
    £230,738
    2021 OP total: 
    £605.85   1 month off approx

    MFW 2022 #39  £135.68/£1200
Meet your Ambassadors

Categories

  • All Categories
  • 343K Banking & Borrowing
  • 250K Reduce Debt & Boost Income
  • 449.6K Spending & Discounts
  • 235.1K Work, Benefits & Business
  • 607.7K Mortgages, Homes & Bills
  • 173K Life & Family
  • 247.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards