Mortgage free in Forever Home :-)

LadyWithAPlan

All sounds like a lovely weekend / you starting the new job  next week ? 

Brie

KajiKita said:

Brie said:

It's the cascade of tasks that shuts me down very quickly.  I want to have the windows cleaned but it makes sense to clear the gutters first, which can't be done when there's things in the way that need to be taken to the charity shop and I need to get a lot of that stuff into the bins/tip too which is a huge task.  So the windows remain dirty.

I’m confused - why can’t the windows and gutters be cleaned from outside? 

As for the rubbish, if there really is a lot of it, maybe book a skip?

beanielou said:

It’s the content of the tree that Chloe will love 😹

I know … glittery poop again! 😉😂😂😂

KK

some of the stuff to be cleared away is in the car port where one of the windows is.  

and obviously everything is cleaned from the outside.....it's just me prevaricating I think.

KajiKita

LadyWithAPlan said:

All sounds like a lovely weekend / you starting the new job  next week ? 

Yes tomorrow 😊 Little bit anxious about it but there is no logical reason for this so I am assuming that it’s ex boss / workplace hangover and trying to be kind to myself about it ….

Brie said:

KajiKita said:

Brie said:

It's the cascade of tasks that shuts me down very quickly.  I want to have the windows cleaned but it makes sense to clear the gutters first, which can't be done when there's things in the way that need to be taken to the charity shop and I need to get a lot of that stuff into the bins/tip too which is a huge task.  So the windows remain dirty.

I’m confused - why can’t the windows and gutters be cleaned from outside? 

As for the rubbish, if there really is a lot of it, maybe book a skip?

beanielou said:

It’s the content of the tree that Chloe will love 😹

I know … glittery poop again! 😉😂😂😂

KK

some of the stuff to be cleared away is in the car port where one of the windows is.  

and obviously everything is cleaned from the outside.....it's just me prevaricating I think.

Book a skip Brie. That will clear the car port and then I suspect that will gradually ‘unlock’ the other steps. Sometimes the hardest part is just starting. 

KK

SandyShores

KajiKita said:

Done a review this morning of what outstanding balance we are projected to have, according to the MSE mortgage payment calculator, at the end of our new 5 year deal:
£164,857

What I would actually *like* to achieve is £150K by end of the 5 years …. 🤞 That would be a fairly ambitious stretch target, but I’m not sure how much having OPs will reduce interest costs through the 5 years. 

This is great Kajikita, from the 200s, to looking at heading under £150k.  We're roughly the same figures/term as you and its great to think this is achievable.  My aim is to repay the mortgage in full by SPA, but I know that N/W were offering mortgages up to the age of 85 as long as they were less than £150k/60% LTV.  It gives another option, and I do like having a back up plan just in case.

Have you seen the overpayment calculator on MSE where you can add a planned monthly OP so you'd be able to see the effect of your monthly OPs?  I like your organisation and setting out those regular OP targets.

KajiKita

@SandyShores, actually we started at a £316K mortgage! (Gulp …)
I can’t definitely pay off £x amount each month atm (apart from the over paid DD which is so small it doesn’t register! 😂😉) but I will play more with the calculators if I manage to get the £5K salary increase after my six months probation 🤞😊

This sounds a bit hard hearted, but … in a way … the whole job misery / switch thing has had one positive effect in that Mr KK is contributing more. There’s a bit of me that is inclined to not fully reduce the amount that he contributes, if / when I get the salary increase (we normally contribute as a percentage of take home pay) as up to now, all but £40 of the £7.4K OPs have come from me …. If he was shovelling it into his pension I would be more inclined to reduce his contribution, but he doesn’t do that either … sigh … 🙄

KK

greenbee

Maybe you should put the extra into your pension or savings and only OP if Mr KK agrees to match it? After all, the house is a shared asset/liability - maybe you should wait to do any further OPs yourself until he’s caught up?

I’m sure work will be fine - but a new job is always a bit daunting until you’ve got the hang of the people/processes/culture/jargon. Best of luck!

KajiKita

greenbee said:

Maybe you should put the extra into your pension or savings and only OP if Mr KK agrees to match it? After all, the house is a shared asset/liability - maybe you should wait to do any further OPs yourself until he’s caught up?

I’m sure work will be fine - but a new job is always a bit daunting until you’ve got the hang of the people/processes/culture/jargon. Best of luck!

Hmmm … That’s a bit ultimatumy for us … Also, I should say for balance, Mr KK ‘donates’ his skill and time to the work on the house which we would have to pay a lot for if we were to pay tradespeople. 

His mind just doesn’t work for things like OPs in the same way mine does. He’s catching up, slowly. He actually has a savings account now - for the first two decades together he didn’t. In all honesty, I wonder if it just feels too intimidating for him? 🤔

Also, to be fair, he talks about what he would do with his half of the proceeds from his mum’s house when she dies. First on the list is always the mortgage. He did offer to increase his contribution to the joint account by enough so that £20 pcm could be an OP when we first started looking at possible new deals this spring, but that got kiboshed by me needing a smaller job and him having to contribute more anyway. I think he likes easy, passive, don’t have to use mental effort on a regular basis, ways of paying down the mortgage more, iyswim …

Thank you for the job start good wishes. A friend I was text chatting to last night told me not to expect to be amazing immediately and that I put myself under a lot of pressure! 😉😂

KK

CCW007

KajiKita said:

You know those jobs where you want to do one thing, but to do it you have to do this and that and the other job …? 🤔 

 

We call those 9th square jobs. Do you remember those games where you had nine squares and removed one blank square to create a space then had to move the other squares one at a time in sequence to get them into the right position and show the picture?

Our house is all about 9th square jobs so you have my sympathy!

KajiKita

CCW007 said:

KajiKita said:

You know those jobs where you want to do one thing, but to do it you have to do this and that and the other job …? 🤔 

 

We call those 9th square jobs. Do you remember those games where you had nine squares and removed one blank square to create a space then had to move the other squares one at a time in sequence to get them into the right position and show the picture?

Our house is all about 9th square jobs so you have my sympathy!

That’s a brilliant way of describing them! 🤩😊👏
I suspect everyone has at least one 9th square job! 😉

KK

beanielou

Sending positivity & good vibes to you for tomorrow. 🤗😘