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  • FIRST POST
    • f0xh0les
    • By f0xh0les 12th Aug 16, 1:55 PM
    • 2,845Posts
    • 26,584Thanks
    f0xh0les
    22 Foxhole East
    • #1
    • 12th Aug 16, 1:55 PM
    22 Foxhole East 12th Aug 16 at 1:55 PM
    I just made my first mortgage overpayment.

    We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!).

    So far I have replaced 2 Velux on the attic floor so the rain stays on the outside (very rotten frames)

    Have had a full electrical rewire as the wiring was underneath the wallpaper - not boxed or chased in, just behind the wallpaper and skirting boards. Got a shiny certificate and everything now!

    Decorated 4 kids bedrooms and put down new carpets in 3 of them

    On the still to do list for this year

    - new roof and insulation - nails degrading! Snow could cause a huge problem. Better get it sorted really.

    - New shower and bathroom flooring - water damage, holes in floors (!) we should have moved the bath mats when we were viewing, they hid a lot of damage.

    Plastering and decorating.

    Nice carpets!!

    Shelves!

    That will be the two top floors done and I can kid myself I am 2/3rds of the way finished

    Not attempting anything on the ground floor until 2017 - so no talk of log burners,knocking down walls, kitchens, damp proof courses, shower rooms or the like. That way lies madness, shhhhh, next year, at some point...

    So, let's talk money.
    House cost £160,000
    Deposit was £41,315 (sale of previous nasty Manchester Foxhole)
    Amount borrowed £118,685

    We got a 1.94 % fixed for 2 years with Accord which rises to something ridiculous like 7% so remortgage time in 2018

    We will repay £1.82 for every £1 borrowed over the 26.5 year life of the mortgage unless I overpay

    I have just rung Accord, found out I can repay up to 10% of the total amount borrowed (each year without penalty), can make as many overpayments as I like per month without penalty, but cannot check on the balance online. I have to ring up a silly automated 0345 number that will tell me what the balance is! I will have to remember to ring it on my mobile so it is free.

    Monthly Mortgage repayment £467.00
    An overpayment of £200 a month would knock 10.5 years off the life of the mortgage.

    We are planning on spending 5 years living here, and them moving elsewhere due to the nature of DH's work. So, lets see how much I can throw at this mortgage.
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
Page 81
    • f0xh0les
    • By f0xh0les 10th Dec 19, 6:30 PM
    • 2,845 Posts
    • 26,584 Thanks
    f0xh0les
    Well a very lightly bubble-wrapped turkey baster in shrink wrapped black plastic was enough to raise my eyebrows!

    Dh came home, gave it a fondle and shrieked 'OMG well you can't blame the poor postman for thinking that!'.
    Spreading that festive cheer! One sorting office at a time. No wonder it took over a week to get here.
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • f0xh0les
    • By f0xh0les 13th Dec 19, 11:45 AM
    • 2,845 Posts
    • 26,584 Thanks
    f0xh0les
    Oh very F*ck!
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • apple muncher
    • By apple muncher 13th Dec 19, 12:00 PM
    • 9,794 Posts
    • 75,148 Thanks
    apple muncher
    Indeedy. ****
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage £3,000 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Cornish_mum
    • By Cornish_mum 13th Dec 19, 4:15 PM
    • 77 Posts
    • 145 Thanks
    Cornish_mum
    Thirded from me... what the F???? However sadly not surprised. Just had to give my students a pep talk about it ~~~
    CM
    • f0xh0les
    • By f0xh0les 13th Dec 19, 5:50 PM
    • 2,845 Posts
    • 26,584 Thanks
    f0xh0les
    Dh rolled home at 4.10am, someone announced the exit polls as pudding was being served at their works meal, so they went out for cocktails after, while keeping an eye on the pundits, then ended up at the boss's house having a wake.

    And the rotter did not even ring or text me once. Ratbag!
    Anyway, I was in bed with the coverage, dozed once or twice for 20 minutes, finally turned off at 5am and got up at 6.20. One kid off school with sore throat and horrible cough. Got lems1ps and cough mixture on the way home from dropping the other three at school, came home, dosed him and popped him back into bed with a hot water bottle and a bacon sandwich (not real bacon, facon!) anyway he has spent most of the day in bed, is happy as Larry and seems to be making an improvement.

    Biryani for supper tonight as I can't be faffed to cook (well, there are various degrees of not being bothered to cook, and this level is one pot).
    Poor dh is suffering a bit. He did manage to get to work by about 10.30. but looked rough around the edges. A bit ruffled. It will not bode well for the Uni sector - foreign applications are down already.

    I did the school Xmas decorations afternoon. Had a gossip, and came home. That is it.

    I have just started to make a list of things for people for Xmas.

    I am devastated by the election results. I do not know why. I am never going to be mainstream, why on Earth would I be on the populist side? I also know a lot about the EU and all its institutions and what it actually does, oops, sorry, did for the UK. Come of having studied modern European Politics for BA and MA. So, time to pull on my big girl pants and try and brexit proof my immediate surroundings and lifestyle. It is coming, I know it is coming, it will not be a surprise. I must join a prepping thread and become a conspiricist.

    If anyone complains on 1st February that Brexit is not sorted yet and they are bored of it. I will attack them with the full force of my disappointment in them, and any available root vegetables, whilst shouting 'shut up, get over it- We have left, It is done'
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • badmemory
    • By badmemory 13th Dec 19, 11:23 PM
    • 3,046 Posts
    • 4,942 Thanks
    badmemory
    I suspect in the not to distant future some people will recognise the truth of "be careful what you wish for".
    • greent
    • By greent 14th Dec 19, 8:38 AM
    • 8,357 Posts
    • 84,695 Thanks
    greent
    Also disappointed - but not surprised - at the result.

    And can confirm that any such parcels arriving from ASummers or similar do arrive in discreet packaging - a friend told me this, of course!
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/19 £48986 2020 OPs (#18) £450/5K
    Net sales 2020 £15.88/£500 Decluttering: 275/2020
    • f0xh0les
    • By f0xh0les 14th Dec 19, 9:24 AM
    • 2,845 Posts
    • 26,584 Thanks
    f0xh0les
    Today's plans - coffee, quick morning trip to town, bank, bake, clean and hoover my car. Laundry (yawn)

    Got rid of a big bag of books to c/s yesterday.

    I will make a savory mice and potato pie for supper. Lunch will be facon sandwiches or microwaved leftovers. Take your pick. Will also make a veg soup as the kids are suddenly ravenous, 24/7 although they are doing nothing.

    I was in bed by 9.00 last night and slept until woke by a coughing child at 6. So did the lemon-flavoured-paracetamol-based-drink thing. made him a cup of tea, he had a bowl of cereal, and I packed him off back to bed with cough mixture and a hot water bottle. So then I was awake.

    Bought DS1 his first pair of DMs (£140!!!)( 5% cashback and cc points)for Xmas, got a few hints of dh as to what he wants. Found out the B0dy Sh0p is still owned by Nestle, so is still on my boycott list. I boycott the big 3 plastic polluters - Coca-Cola, Nestle, and Pepsi-Co. But it does mean no Sao Pelligrino. Oh well. Conscience must, and all that. So DS1 will have things to open, DS2 has nothing and still has £150 of birthday/summer holiday money left floating around his room, DS3 is sorted, and DS4 has nothing much.

    S-i-l has bought them all pjs from N3xt, which is lovely, I will open them and have a look - they might all go back to the shop - she is not great on their ages/sizes and has not seen them in over 2 years. Too busy jetting off on holidays.

    F-I-L has a date for his operation. Why they did not just go private when they have health insurance I do not know. It is going to cost them about £300. He did not want to have to bother with it. That is why men die of prostate cancer. Ignore it and it will go away. Anyway, m-i-l rang up to find out if they were covered after getting annoyed that he would not - I mean you can't wait over 2 months to make one phone call! And from initial funding enquiry to having an actual op date was less than 48 hours. So he is booked into the vets for that. One less thing to worry about.

    Step-gran fainted the other day, while getting dried from the bath by the carer. No harm done. I rang as she was waiting to go out to lunch with her friend to say thank you for taking her out shopping every Thursday for her groceries. Well that means she has been lying to me about not being able to go out, so she was off to a country club for her lunch with her mate! Cheeky mare. Pulled the wool over my eyes - manipulative old bat. She is very unhappy with me volunteering at the foodbank. I think she has rung a few times and I have not been in to hear her complain. Oh well! I am sure she can complain to her friend over her posh lunch out.
    But first, coffee and getting dressed.
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • f0xh0les
    • By f0xh0les 14th Dec 19, 2:08 PM
    • 2,845 Posts
    • 26,584 Thanks
    f0xh0les
    I am plagued by being one of two morning people in my house. I have waited for dh to get up so I can have a coffee with him before going out to town- he appeared at 9.20 ,I just tried to leave, when a head (DS1)poked between the banisters and said if I was going to town could I wait 20 minutes for him to get dressed and have breakfast... I have been waiting since 7am to be able to leave, and now I am waiting again! I will be lucky if I get to town for 11am. Parking will no doubt be horrendous. Oh well! The best laid plans of mice and f0xh0les....
    And now dh has got in the bath so DS1 can't clean his teeth, do his hair or wash. I am going alone!
    Parcels and envelopes have started to be delivered. I can no longer pretend it is not happening. I may decide next year to not bother, but for this year I am 'in'.

    Step-Gran can have another bouquet.

    I have just come back from my shopping trip and I have seen the most random present ever - it is a build your own model of a pregnancy pelvis. Complete with foetus. Bizarre! Someone is going to be weirded out this Xmas! Recreate the wonder of Bethlehem this December, with a recreation of Mary's birth canal. There were plenty of other weird things in Tiger - the remote control snake, in case you wanted to recreate The Garden of Eden and Adan's fall into sin, but mostly it was just plastic tat and nonsense. It was rammed!
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • apple muncher
    • By apple muncher 14th Dec 19, 4:00 PM
    • 9,794 Posts
    • 75,148 Thanks
    apple muncher
    We are sending mum a bouquet too. If we give her a plant, she fiddles with it and deadheads it constantly until it dies. About 24 hours... But she tends to leave flowers alone for some reason.
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage £3,000 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • f0xh0les
    • By f0xh0les 14th Dec 19, 4:24 PM
    • 2,845 Posts
    • 26,584 Thanks
    f0xh0les
    She is probably reliving gardening and tending to her plants 'to make them last' - she has dementia doesn't she? or have I remembered that wrong?

    But flowers are a remembrance of love, and celebrations, and happiness, so she can just enjoy without thinking she has to be 'doing' with them. A plant you have to take care of, a bouquet of flowers means you are not forgotten and someone thinks enough of you to make sure you have them. Even if you can't remember who gave them to you. You know you are important, and loved, and it gives a conversation opener to anyone who sees them, which can only be a good thing.
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • apple muncher
    • By apple muncher 14th Dec 19, 4:50 PM
    • 9,794 Posts
    • 75,148 Thanks
    apple muncher
    Totally spot on, f0xh0les!
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage £3,000 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • f0xh0les
    • By f0xh0les 14th Dec 19, 6:18 PM
    • 2,845 Posts
    • 26,584 Thanks
    f0xh0les
    You are amazing. She is lucky to have you for a daughter.
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • apple muncher
    • By apple muncher 14th Dec 19, 7:30 PM
    • 9,794 Posts
    • 75,148 Thanks
    apple muncher
    You are amazing. She is lucky to have you for a daughter.
    Originally posted by f0xh0les

    I was lucky to have her as my mum for 48 years. And now it's my turn to return the love. Emotions are where she can still make connections with new people, which I find almost overwhelming. After all, all you hear about dementia/ alzheimers (and she has both) is about the forgetting and losing of memories. Yet we have found, using the awesome agency Home instead (shameless plug here, sorry) that mum can make new connections. She doesn't remember S's name (though she remembers her dog!) But her face totally lights up when she sees her.
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage £3,000 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • f0xh0les
    • By f0xh0les 15th Dec 19, 3:39 PM
    • 2,845 Posts
    • 26,584 Thanks
    f0xh0les
    Well I am back from town with DS1 and DS4. DS1 bought a few gifts, and we Scooby Doo'd (let's split up!!) and met back at their favourite doughnut shop. I stayed with DS4 obviously, lets face it, I am the driver!, soon I will be able to take them to town, and go sit in a coffee shop with a book, and then they can come to me like homing pigeons, but I suppose a week away from being 10 is a little young to release him into the wilds of Leicester city centre (not that it would bother him in the slightest - dangerously confident child that he is).

    So, after the football this afternoon, I am opening my bottle of Ameretto, spiking my sweet mincemeat and making pies and getting my dried fruit sozzled to make a cake. I might add some to soya cream to make a vegan ameretto cream drink. DH has discovered vegan baileys. The lady on the local homeless charity converted milkfloat coffee stand made him a ''cheeky hot chocolate'' with a shot of it in it. He was trollied. Now I fancy an ameretto one. See, the power of suggestion!
    Tonight is the Sunday before the last week of school. Well that has come around quickly.
    DH found another slate in the back yard. We don't know if it came off our roof or the one next door. Will stick my head out of the skylight later on (not too much later or it will be dark!) and definitely before I go anywhere near a spirit. Safety first.

    DS3 has complained his radiator is not working, so will have to go playing with the valves and bleeding them again.

    The car goes to the garage tomorrow morning. I am dreading it, but I have managed to sideline £500 into another account to pay for it. I do not think it will be much more than that. My savings still are increasing, which is nice. I cannot remember another December where I have been in such a good position with all pots of money topped up to pay off various December bits.
    What is worrying though, is the Tory threats to remove the public license from the BBC as feel they have not been impartial over the elections or brexit. The senior conservative ministers are rumoured to be boycotting BBC political programmes, which seemed to be true this morning, when Gove was all over Sk7 but they only sent Rishi, the chief secretary to the Treasury on to Marr, who said they were looking into de-criminalising not having a tv license. They are going to kill the BBC for not turning into the mouthpiece for the party machine. They can't do anything about the agreed funding until 2017, but they can make paying the license fee optional.

    They have enough MPs to redraw the electoral boundaries without any effective opposition as well.

    They have already threatened the high court for their decision that progueing parliament was unlawful. So, now we just wait and see what they come out with next week. Who is next in the Tory's little black book of insults and imagined sleights.

    Interesting times eh?
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • mark88man
    • By mark88man 15th Dec 19, 4:19 PM
    • 4,665 Posts
    • 11,917 Thanks
    mark88man
    But they were pretty much the mouthpiece both for Brexit and the Tories - so that's really ironic.
    I think I saw you in an ice-cream parlour - Drinking milk shakes cold and long - Smiling and waving and looking so fine (5 years - Bowie)
    Weight/Health - Fluctuating - much worse than I should be
    End 19: CC:16K@0% - Car Loan:6K@2.8% - Mort:118K@2.1% = £140K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K 2018:£16K

    • f0xh0les
    • By f0xh0les 15th Dec 19, 6:30 PM
    • 2,845 Posts
    • 26,584 Thanks
    f0xh0les
    In other news. StarTrek: Discovery is starting on E4 tonight. Well worth a watch.
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • apple muncher
    • By apple muncher 15th Dec 19, 7:30 PM
    • 9,794 Posts
    • 75,148 Thanks
    apple muncher
    It is set up to record in the apple house.
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage £3,000 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • f0xh0les
    • By f0xh0les 16th Dec 19, 7:55 AM
    • 2,845 Posts
    • 26,584 Thanks
    f0xh0les
    Think DH got N3tflix just to see it.

    Car in the garage day.
    Very excited - how daft is that!
    Hopefully by day's end, I will be car problem free.
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • badmemory
    • By badmemory 16th Dec 19, 5:38 PM
    • 3,046 Posts
    • 4,942 Thanks
    badmemory
    I suspect we live in interesting (but not very nice) times. I have to wonder what people were thinking or even if they were thinking at all. Thankfully whilst I have never earned a lot (less than average wage pretty much all my life) I have the funds to deal with anything to do with me & mine. I still give to childline but I am afraid that whilst feeling very guilty everyone else is on their own. I'm hoping that the Brexit thing doesn't land up with so much inflation that my pension is a year behind on that I don't have to stop that. Not holding my breath.


    Has anyone in the UK actually realised that if their milk comes from NI they are going to have two lots of 36% tariffs. One to send it to southern Ireland for treatment & one to send it back. So what we are paying £1 for now is going to cost almost £2.


    For the last few years this country has been like turkeys voting for Christmas. What went wrong, what rubbish are they reading & believing. If they live in the northern part of the UK have they not seen all the things that say funded by the EU? Have they not noticed that simple things like a blood test result under this lot is no longer a next day thing but (if you are lucky) a 3 to 4 day thing.


    Sorry for the hijack, can you tell I feel strongly about this? I should change my username to Worried sick.
    Last edited by badmemory; 16-12-2019 at 5:40 PM.
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