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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,918Posts
    • 10,274Thanks
    Kittenkirst
    Getting a mortgage and then becoming mortgage-free!
    • #1
    • 5th Feb 16, 10:35 AM
    Getting a mortgage and then becoming mortgage-free! 5th Feb 16 at 10:35 AM
    Hi all!
    So from my title you may have guessed I don't yet have a mortgage, however I am hoping that will all change within the next few weeks.
    I will then start on overpaying the mortgage and really penny pinching to try and reduce it down as much as possible!

    I'm hoping this is alright to start my diary in here? :-)

    The story so far, my lovely girlfriend and I have been discussing getting a place together for some time. We started looking at houses (al very small and far from her parents- which is a no-no, we want to be close to them to visit regularly). Last weekend we went to see a new build development and fell in love with a house- less than 2 miles from her parents, perfect size for the two of us and within our budget (from getting mortgage in principle information and confirming monthly payments were well within our budgets).

    Sooooo we took her parents round for their seal of approval, spoke with an agent we know through the family about pertinent questions to ask, did lots of number crunching and then placed a reservation.....

    ....so we've now got paperwork from solicitors re the conveyancing etc and paperwork from the mortgage advisors to sort out this weekend.
    We have re-jogged our budget to ensure we had the deposit in savings by end of Feb (we thought we'd have a few months before we found anywhere) so are ready to almost hand over 18500 :O

    I have agreed to move into her parents house and pay rent in mid March to prevent paying rent, bills and food (will save an extra 500 a month) so we should be in a good position for when the house is ready September/October time!

    Does anyone have any hints or tips so far?

    Our brokers/solicitors are ones recommended by family who've used them and really recommend them and we've sense checked the rates the solicitors charge to ensure its competitive.
    2018 MFW #20 - OP 2236.18/ 3000 74.5%
    May: 361.07 June: 182.76 July: 53.21

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
Page 69
    • Kittenkirst
    • By Kittenkirst 12th Jul 18, 10:33 PM
    • 1,918 Posts
    • 10,274 Thanks
    Kittenkirst
    Thanks for posting CompHunter- no time like the present to start
    Lots of little overpayments will soon add up

    Another eBay sale made so an additional op of 19.17 made yesterday and the shoes posted out yesterday!

    Ended up out to watch the footie with some senior peeps at work last night which meant a free dinner and quite a few drinks but only spent 16.50 which was my first cider and my share of the cab home.

    Unfortunately I'd never realised how much sugar is in a rekorderlig cider- 48g per 500ml bottle I had four last night so nearly 200g if sugar which meant I was up most of the night on a sugar high not something I'll be repeating anytime soon!

    Payday tomorrow so we can do the payday money shuffle- yay!
    Last edited by Kittenkirst; 14-07-2018 at 9:27 PM.
    2018 MFW #20 - OP 2236.18/ 3000 74.5%
    May: 361.07 June: 182.76 July: 53.21

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 14th Jul 18, 11:02 PM
    • 1,918 Posts
    • 10,274 Thanks
    Kittenkirst
    Payday shuffle all sorted and a nice chunk of 169.57 sent to the Mortgage

    Random number this month as we've reduced the OP in preparation for our big trip but want to overpay a nice number that makes the capital paid this month a nice lovely round number

    Capital paid off this month is a nice tidy 700 which feels good!
    2018 MFW #20 - OP 2236.18/ 3000 74.5%
    May: 361.07 June: 182.76 July: 53.21

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 15th Jul 18, 7:53 AM
    • 1,918 Posts
    • 10,274 Thanks
    Kittenkirst
    Kayaking yesterday was great fun, some other friends joined the session this week and we all had a nice chilled paddle up the Rover Soar

    Gf seemed to enjoy it more being in a tandem kayak this time so next time we are trying a tandem sea kayak to get the feel for it- seems like it's a winner for the Oz trip though. Yay!

    We've booked two more Saturday classes over the next four weeks and I have stand up paddle board yoga booked in with a friend to try next Monday. The boat for the Whitsunday trip has a stand up Paddleboard on it so thought I'd give it a go here and see if I like it.

    Went to get some shoes yesterday for the next weekends Italian wedding- found some gorgeous ones in Debenhams: on sale and I used gift vouchers so no actual cash spent which is fab. Gf also got some sandals that match her dress for the actual wedding for only 15 in the sale too

    The couple have sent an email out that the Friday night event is smart casual so gf and I are taking back the new dresses we had bought for that event from monsoon (on sale obviously!) so that's 110 back in the pocket. Gf isn't a dress type girl so she's going planning to wear some lovely floral trousers and a nice lacy top or she'll wear some tailored cut off trousers with the lacy top. I'm going to wear a dress I already have that is a bit less formal and have borrowed shoes from gfs cousin.

    Feels a bit better that we have shopped from our wardrobes essentially for the Friday events and have got some bargain but gorgeous buys for the wedding.

    More planning for the holiday done now- great time of year for shopping as we've bought ourselves two rashvests each. Half price so a lot more affordable. Also bought a small dry-sack on sale to take for anything water related to protect valuables whilst we were away.

    We've had a good sort out from under the bed of old holiday clothes too and as we've both lost some weight a lot more of it fits. Good news is I don't need any new shorts Feels like we have brand new wardrobes without shopping which is ace.

    Does anyone have any suggestions of how many bikinis to take for three weeks on east coast of Oz? Looking online peeps are suggesting 6 bikinis! I don't own 6 bikinis
    2018 MFW #20 - OP 2236.18/ 3000 74.5%
    May: 361.07 June: 182.76 July: 53.21

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • PurpleFairy26
    • By PurpleFairy26 15th Jul 18, 8:01 AM
    • 2,232 Posts
    • 15,094 Thanks
    PurpleFairy26
    6 'they' do know you can only where one at a time right. I assume it's so they feel like they are wearing different and not duplicating. I would say 3 max, bearing in mind you can wash it through and it'll be dry the next morning anyway. Another thought would be to buy two different tops that go with the same bottoms, that was it looks like 2 different bikinis but only 3 pieces bought not 4
    • Kittenkirst
    • By Kittenkirst 15th Jul 18, 8:04 AM
    • 1,918 Posts
    • 10,274 Thanks
    Kittenkirst
    Ooooooh that's a great suggestion Purple Fairy!
    2018 MFW #20 - OP 2236.18/ 3000 74.5%
    May: 361.07 June: 182.76 July: 53.21

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • CathT
    • By CathT 15th Jul 18, 8:19 AM
    • 5,628 Posts
    • 39,241 Thanks
    CathT
    A capsule bikini wardrobe! You are going to have such an amazing time in Oz. You seem to be investing in making sure you have the most amazing experiences out there.
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
    • Downshifterella
    • By Downshifterella 15th Jul 18, 7:34 PM
    • 134 Posts
    • 862 Thanks
    Downshifterella
    Holiday plans sound amazing kittenkirst !
    You will have such an amazing time!

    MF planning for the simple life
    • Kittenkirst
    • By Kittenkirst 15th Jul 18, 8:26 PM
    • 1,918 Posts
    • 10,274 Thanks
    Kittenkirst
    I honestly can't wait but there's still 59 days to go! I know it will fly by but still 2 months left.

    Luckily we have lots of fun stuff to do between now & then- wedding in Italy, seeing Britney at Brighton pride, SW4 festival and some gigs too, and there's still plenty of time to get a little more 'bikini-ready'

    We took the monsoon dresses back this morning for the refund, and gf found a top in the next sale to wear on the Friday for the wedding (8!!!) and she looks lovely in it

    We've then watched the tennis, saw most of the footie and then headed to the gym for 6pm to get a cardio workout in. We can weight train from Thursday and we're both looking forward to getting back into our plans/routine!

    Dinner was a frugalised meal- we got a yellow sticker roasted chicken yesterday, so we had the leftover shredded chicken in a buffalo hot sauce we made, with a chopped salad from the fridge, leftover halloumi from Thursday night and some cucumber chunks. Sounds a bit odd but worked (& tasted) great!

    We got a raw YS chicken this morning which is in the freezer to roast another weekend and I managed to get lots of YS avocados for the week too so feeling all prepped for the week ahead

    Off to pack lunches for tomorrow- thinking leftover chopped salad with some boiled eggs and ham slices should be good for lunch, and I'll take a slice of brown bread, boiled egg and smashed avocado for brekkie, with some Greek yogurt and YS blueberries for 3pm snack
    2018 MFW #20 - OP 2236.18/ 3000 74.5%
    May: 361.07 June: 182.76 July: 53.21

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 17th Jul 18, 10:35 PM
    • 1,918 Posts
    • 10,274 Thanks
    Kittenkirst
    Long old day today- left at 5.45am to travel north for a long meeting. Then left the office at 3.30 to get to my hotel and ended up logged back in and working from 5-10 with an hr break to use the (ridiculously hot but free to use!) hotel gym and ordered room service.

    Feeling a bit grumpy about not being home tonight, hotels are nice and all but there's no place like home really. At least I got a gym session in & got to have a tasty meal- I perhaps ordered when super hungry so ended up with a starter pasta dish, a humongous calzone and chippies! Not healthy but I didn't eat it all luckily!

    Another long day planned tomorrow but should leave at 1pm at least to get home for around 5pm. Looking forward to seeing gf as she left for an overnight stay yesterday morning, the Kittens and just being home. I hadn't realised how much of a Homebird I really am
    2018 MFW #20 - OP 2236.18/ 3000 74.5%
    May: 361.07 June: 182.76 July: 53.21

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 18th Jul 18, 7:44 AM
    • 1,918 Posts
    • 10,274 Thanks
    Kittenkirst
    Feeling a little more positive and perky this morning

    Just enjoying hotel breakfast- coffee bran flakes with dried fruit and a banana- much lighter than last nights overordering

    Looking around the breakfast hall there's a lot of professional people with breakfast for one - kinda a little lonely to see. The waiting staff here are great and spotted my travel mug and big insulated water bottle so offered to refill it for me to take with.

    Off to Italy for the wedding early on Friday morning- I think we're all organised. Outfits ready, euros already bought, car parking booked (through Quidco!). Just have to get through today at work and then I'm off until Monday- hurrah!
    2018 MFW #20 - OP 2236.18/ 3000 74.5%
    May: 361.07 June: 182.76 July: 53.21

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
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