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  • FIRST POST
    • new mortgageeee
    • By new mortgageeee 20th Feb 16, 5:53 PM
    • 112Posts
    • 251Thanks
    new mortgageeee
    Can definitely do better!
    • #1
    • 20th Feb 16, 5:53 PM
    Can definitely do better! 20th Feb 16 at 5:53 PM
    Seemingly like many newbies, I've been lurking for a while - finally thought I'd take the plunge and start a new diary. Mainly for motivation I suppose - hope to get and share some great ideas too!

    I bought a shared-ownership flat back in 2012 (hence the "new mortgageeee" name!) - I know there's much debate over their usefulness (and value for money), but it's worked out well for me so far. To date I've paid off 70% of my 25% share (OP £250-350 a month) - leaving me with approx. £35k equity for a "real" deposit when I'm ready to move. If I'd have stayed renting that amount would have been an impossible dream!!

    MFiT - T4 #65 hoping to clear the remaining £16,550 mortgage on my share (may be a bit of a stretch, but worth aiming for!).

    I know my savings are lower than I'd like (for emergencies) - currently splitting spare money at end of month 2/3 OP 1/3 saving, but I'm sure there's more I can do to budget through the month and find extra bits and pieces - I've only just cottoned on to Swagbucks for example! Will sort out a budget spreadsheet to better plan - any suggestions or examples very welcome!

    All for now, thanks for reading! May do a SB survey then will be trying to relax this evening... fingers crossed !!
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
Page 5
    • new mortgageeee
    • By new mortgageeee 9th Feb 19, 12:01 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Did my week's shop a day early today as I'm off out for a walk with a friend tomorrow and back here for dinner, so needed to have something in the cupboards!

    A couple of annoying or at least unplanned expenses yesterday - the door of my meter box blew open in the wind we've had and snapped in half! After much research it is clearly my responsibility, so I've ordered a replacement one - £45 was the cheapest I could find online (annoyingly it is a non-standard shape). OH has also asked if I can order allotment infrastructure supplies, which will need to be here for next weekend - so £65 on hunks of steel and wood! Should make for a nicer environment to grow veg though (it is a very, very steep allotment) so worth it in the long run.

    Looking to book a short break in rural wales over Easter for the two of us as a reward for getting through a trying time with OH's house and both under a lot of stress at work. Enjoying perusing the little cottages in the middle of nowhere

    NMx
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 11th Feb 19, 2:49 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    An excellent day financially - though more by luck than judgement. NSD (home now and won't go out again), plus received £48 back on my bathroom (quote accidentally included two sets of installing a cupboard!), found an email to say I'd won £30 on the lottery at the weekend, and came home to find a letter telling me a new owner of an old flat had challenged the council tax band and I was due a refund of £290.99! Phoned to arrange direct payment rather than waiting for a cheque. Popped the £48 back in the house renovation pot; the others will probably go half to OPs half to new house fund.

    Feeling lucky
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 17th Feb 19, 1:45 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Mid month update for Feb:
    Main mortgage OPs = £128.41
    Smaller mortgage OPs = £200
    House renovations/big bills savings = £50

    I think that will be it for spare money this month, the standing order into the House renovations/big bills savings will go across on Monday for £285, along with £300 into the new house fund. Anything left over will go towards rounding the main mortgage OP up to a nice number!

    Happy to still be on budget for groceries shopping and general expenditure - £244/£500 for the month. In fact I've just remembered that a) Feb is really short so there are only 11 days left, and b) I'm away for five of those days and shouldn't have any out of the ordinary expenditure for the other six

    Have had a great couple of days at the allotment - much digging and edging, and today the first seeds for the year are in! Radishes (mainly to mark out area dividers - but tasty too!) and parsnips - slightly suspect old seeds so we've gone for an early sowing in case none of them germinate and we can try again! OH back over there now finishing digging and doing a tip run whilst I do some work (after spreadsheet updates!).

    I hope everyone has had good weekends

    NMx
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 19th Feb 19, 7:22 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Looking at Feb as a fairly standard month, I think my monthly OP targets will be:

    Mortgage 2 (2.39%): £250 (max 10% allowance)
    Mortgage 1 (2.19%):£100 plus rounding up to 00.00 (c.£80 at the moment)

    NSD today apart from 5p at the library to photocopy my drivers licence.
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 24th Feb 19, 7:43 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Get paid tomorrow

    Nothing more to pay for Feb so as things stand:

    Mortgage 1: £100 regular OP
    Mortgage 1 nice round number: £78.41
    Mortgage 2 10% OP: £250

    New House savings: £300
    Big bills account: £285

    Extra savings top ups: £103

    That's £1116.41 diverted into savings or OPs this month

    This is SO much closer to where my last SOA said I should be. I'm delighted!! Can't wait for next month's DD's to start coming out on the 1st now...
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 3rd Mar 19, 3:04 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    A new month, and new OPs to be made!

    Preemptively whipped out my OPs and the majority of my savings transfers for this month as soon as I was paid at the end of February. My calculations left me with min. £300 left over (which is now in savings) so there's a decent extra amount should I need to pinch any back for unforeseen spending. And hopefully it will make me feel like I don't have lots of surplus cash (which amazingly I seem to at the moment, now I'm sticking to a pretty strict food budget) and fritter it away. Happy that my spreadsheet budget included only £13 of 'fritter' for February

    Regular payments have now come out to mortgages, and just waiting for automatic money shuffling (mainly to get max. interest rates on a couple of current accounts) into bills account and new house savings account.

    In terms of general budgetary spending in Feb, I went £38 over budget on my day-to-day cc account, but that included £60 worth of gifts and things for the house, so I'll transfer them out of allocated savings once the last cc bill is paid. Overall then, a win for Feb

    Bathroom is paid for (still need to buy tiles - job for next weekend I think) and booked in to start towards the end of April had many text shenanigans with the delivery company who just don't want to understand that their big lorry won't fit down Devon lanes that are limited to 6ft! Have done my best, and will see what turns up.

    March so far:
    Mortgage 1 regular OP: £100/£100
    Mortgage 1 nice round number: £57.93/£57.93
    Mortgage 2 10% OP: £250/£250

    New House savings: £250/£300
    Big bills account: £0/£285

    Extra savings top ups: £300

    Really chuffed with how things stand since the beginning of Jan. Just did a quick 'offset' calculation (what I owe on mortgage vs. what I have in savings) - happy that this is well below my expected £100k at £88,803.

    Extending this forwards, my target for this year is to have £40,000 in the new house deposit fund (/invested in a new house!), main mortgage below £100k and mortgage 2 at c.£26,000 (which will be max OPs for the year). That would leave me with a net mortgaged figure of c. £80,000 - a nice number to aim for
    Last edited by new mortgageeee; 03-03-2019 at 3:41 PM.
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 8th Mar 19, 10:07 AM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Ugh. Definitely feel like about to get walloped with a lurgi !

    Still, it has meant that I haven't really been out for the last couple of days, and when I did venture out yesterday it was only to fill my car up.

    Weirdly I think the short February has knocked a couple of my payments back - things that were due to go out yesterday are still sat there today, and presumably won't move over the weekend. Ho hum, I'm sure it will all work its way through eventually.

    A couple of evenings this week I've been experimenting with doing some online transcription work - does anyone else do this? It definitely isn't as lucrative as some of the survey sites, and the exams you have to pass to join are a bit tough! It's also nearly all US spelling - organisation/organization is my nemesis! But as surveys seems to come and go I thought it might be nice to have that in the background for any idle evenings if I'm twiddling my thumbs. Have currently accrued USD$10.53 (minus paypal fees) - I don't think I'll touch it for now, and just see where it ends up.

    OH is staying this weekend, and has promised it will be one of relaxing and pottering about the house/allotment. I really feel like I need a bit of a break! Hope everyone has nice weekends. NMx
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • jodles16
    • By jodles16 8th Mar 19, 10:32 AM
    • 1,442 Posts
    • 4,367 Thanks
    jodles16
    Sounds like a perfect weekend! Hope you dont end up with the lurgy, though lots is still going around!


    You are doing so well with all the saving, very impressive! Exciting to be looking for a new property together as well!


    Jodles
    MFW2017 #29 1200.24/4524
    MFiT #66
    Overall aim 10,124.20/21,743 (£156,000)
    2016- Jan-£177,472, Apr-£173,195.04, July- £171,417.47 Oct- 169,366
    2017- Jan- 167,347.80 Apr- July- Oct-

    • new mortgageeee
    • By new mortgageeee 17th Mar 19, 10:09 AM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Thanks Jodles!

    Only had a mild lurgi for a couple of days thankfully - I was worried at the start that it felt like the beginnings of the full-blown flu! Happily spared that horror.

    Not much to report from a MFW/MSE point of view. A quiet time of the month. Had three NSDs last week, and only minor top-ups for fresh groceries in between. Did splash out on a new, larger cat-carrier for my moggy. But it was 'delivered' by Hermes - and has subsequently gone AWOL. Currently stuck in the complaints system trying to retrieve it. SIGH.

    Despite the delays from February, all my transfers/SOs eventually shifted, and I'm just waiting for tomorrow's final resting place(!) for the various pots and then I'll update my footer and totals for the month. Overall very happy with progress again - the budgeted grocery shopping is making such a difference. And the only difference I'm really noticing is that I'm meal-planning more to make sure I throw away less.

    Still dabbling in transcription work, with $23 accrued to date. Prolific seems especially slow at the moment after a little rush about a month ago? Keeping an eye anyway.

    Just waiting for the current downpour to blow over and then I'm off to the allotment to get sowing!! Oh, also *smug face* managed a run down to the beach this morning . It was glorious, if a little bit chilly.

    Happy, relaxing Sundays all. NMx
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 18th Mar 19, 6:52 AM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    March figures at financial month-end:
    Mortgage 1 regular OP: £100/£100
    Mortgage 1 nice round number: £57.93/£57.93
    Mortgage 2 10% OP: £250/£250

    New House savings: £550/£300
    Big bills account: £285/£285

    Extra savings top ups: £300

    Money diverted to savings or OPs: £1542.93

    About to pay for breakdown cover and partnerís birthday from bills account, so will go down a little bit. Still, so delighted
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 25th Mar 19, 9:42 AM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Did a last-minute transfer into my bills/house account last night of £28 as I had a payout from transcribing and prolific. Rounded that up nicely.

    I've been paid this morning, so I've done my standard OPs -
    Mortgage 1 regular OP: £100/£100
    Mortgage 2 10% OP: £250/£250

    Now to wait until the 1st April to see what the 'nice round number' OP will be for Mortgage 1.

    I'm looking forward to my April pay - it will include a 2% pay rise, a salary increment up, and the full tax allowance (in previous years I've paid c. £1k self-assessment tax through my tax code too). Should be a noticeable increase in take-home pay. April, May, and June are my most spendy months in terms of annual bills, car insurance & MOT etc. etc. I think I've budgeted for these all correctly in my bills account - time will tell!

    Weekly shop yesterday of £46. Slightly over 'weekly' budget, but well within my monthly pot for March still, so happy with that.

    Currently wondering what the cheapest way to buy dahlia tubers is as I'd like some for the allotment.
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 1st Apr 19, 6:16 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Well, March turned out to be a long and spendy month!! Gearing up for my bathroom fitting, so picking up bits and pieces for that. Ordered and collected my tiles, and booked in the flooring. Also the year's breakdown cover, annual service charge on my house, and some expenditure on the allotment.

    Enjoyed seeing the interest on my new house savings going up though - nearly up to £50 a month now!

    Mortgage payments sorted for April:
    Mortgage 1 regular OP: £100/£100
    Mortgage 1 nice round number: £75.71/£75.71
    Mortgage 2 10% OP: £250/£250

    I think I should have £230 spare this month which will drop into savings. Not as good as last month, but my pay was slightly less, and my (larger than normal) first mortgage payment was taken today.

    Is it weird to be looking forward to doing my tax return?! I shouldn't have to pay any additional personal tax this year, but will have student loan payments to make on my additional income. That should knock a chunk off my student loan. I think about £2k - so hopefully less than 4 years remaining on it. It'll be so nice not to lose a chunk of salary every month!
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 14th Apr 19, 1:47 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Life has really precluded my regular weekly shop of £40 for the last couple of weeks which has been a bit of a shame. Lots of eating away from home and odd meals. I don't think I'm particularly over-budget, but it's really tricky to tell at the moment. Currently away for Easter so mixed eating in/out.

    My savings have taken a £500 hit (lagged from last month due to paying off credit card) as expected (though also had to fork out for a new tyre after mine had a nail in it )

    Lots of private work on at the moment (currently paying myself c. £700 a month), so in a couple of months (post invoice and receiving payment) I should feel the benefit of all of these hard-worked hours! The private work has limited my transcribing, so I haven't built up enough for another payout ($25) yet.

    Not much else to report I don't think! I hope all have a lovely Easter NMx
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 24th Apr 19, 3:26 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Looking forward to being paid tomorrow - a couple of payrises should see me with c.£200 extra a month

    Have done a draft tax return, which just sees me owing c.£600 in student loan on my extra income which was slightly less than expected once Iíve had my p11D confirmed Iíll submit.

    Iíve reinstated my S&S ISA now building work is nearly complete - my Ďbig bills accountí should be just that, and a rolling c.£2k for planned, annual outgoings. So Iíve decided to take it off my footer as a Ďsavings accountí, focus on OPs, emergency savings, new house deposit, and anything left over can drop into the ISA - no particular target there at the moment.

    Iíve upped my emergency savings target to £5k - it had sat at £4K for a few years, and my outgoings have increased a little bit, so that seems sensible to aim for.

    For prosperity, current footer at end of 18/19 tax year is below:

    - Mortgage 1 started Oct 2016 £120,000 £102,800
    - Mortgage 2 started Feb 2019 £30,000 £29,175
    - Student loan started 2009 £16,413 £9,370
    + New house fund £37,592/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £2,586/£5,000
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 24th Apr 19, 3:35 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Oh, whilst Iím at it:

    April figures at financial month-end:
    Mortgage 1 regular OP: £100/£100
    Mortgage 1 nice round number: £75.71/£75.71
    Mortgage 2 10% OP: £250/£250

    New House savings: £300/£300
    Big bills account: £285/£285

    Extra savings top ups: £100

    Money diverted to savings or OPs: £1010.71! Not as good as last month, but met all targets nonetheless
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 20th May 19, 4:53 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Dropped £25 into my new house fund as I won't need it between now and payday. When interest (c.£45) is added at the end of the month that'll tip into £38k!

    Not much else to report financially, it has been quite quiet. I had car tax and TV licence this month, both out of rolling bills account. I had one spendy day in the spring sales, but probably won't buy any clothes now until the Christmas/NY sales.

    Eagerly anticipating payday on Saturday (maybe Friday?) and its associated regular OPs; I'm on the cusp of dropping into the £101ks on my main mortgage - which feels tantalizingly close to dropping below £100k!! The prospect of being into two figures on both mortgages is very exciting. Five months away at current OP rate. Might try to divert an extra £100 a month and see if I can do it by September!

    In a spur of the moment decision last week I applied for a new job! Not that I'm really in need of a new job or particularly unhappy where I am - my current job is fine and suits me with its flexibility. But it was too good not to if that makes sense. Waiting to see if I'll get an interview. I almost hope I don't get it so that I then don't have a difficult decision to make!! We'll see.
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 25th May 19, 3:44 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    May figures at financial month-end:
    Mortgage 1 regular OP: £105/£100
    Mortgage 1 nice round number: £68.80/£68.80
    Mortgage 2 10% OP: £250/£250

    New House savings: £300/£300
    Big bills account: £285/£285

    Extra savings top ups: £200

    Money diverted to savings or OPs: £1208.80
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 25th May 19, 3:55 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    I've just set up a monthly transfer of £100 into my S&S ISA. I don't think I'll have a lot of cash spare this month, but I've made my min. OPs of £350, and should be fine to do the 'nice round number' of c.£70 into my main mortgage, tipping it down into the £101ks... It's funny how non-negotiable these standard payments have become, and it's reassuring to think that it wouldn't (quite!) be the End of The World if I chose not to make them one month if I needed the money for something else.

    Have had a very productive morning at home sorting and tidying, vacuuming etc. I even went for a 7.5km run! I also spent £28 on a fairly big shop for the coming week. Will probably need a small top up, but hopefully in the £10 region to stay on budget this week.

    Now I need to settle down to some work but I'm really struggling to focus even when I think of the extra income!!

    I hope all are having nice Bank Holiday weekends - I've just spotted a wealth of decent films on TV for the afternoon... noooooooooo

    NMx
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 29th May 19, 8:15 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    NSD today, feels like the first for ages though I suppose it isn't. I've finally got into the swing of things with my private work, and tentatively feel like I'm getting to grips with the enormous amount that I suddenly seem to find myself with. It's good, of course, to have the extra income, but it comes with extra time pressures that are often difficult to meet.

    Looking forward to the end of the week/month - partly its time for invoicing and that should be very healthy this month, and partly because it'll see a couple of my accounts tip over nice milestones That said, I don't know where May has gone!!

    Hoping for an early night; even though this is a short work week I feel shattered already!

    NMx
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
    • new mortgageeee
    • By new mortgageeee 2nd Jun 19, 12:10 PM
    • 112 Posts
    • 251 Thanks
    new mortgageeee
    Doing a big batch cook today - a bolognese and a couple of curries - all to be portioned up and into the freezer.

    New house fund tipped up to £38,000 yesterday with the monthly interest disappointingly the mortgage payments didn't move because of the weekend, so I'll have to update my spreadsheet tomorrow.

    Otherwise a fairly quiet weekend thankfully. It's a grey day here today so much pottering amongst the cooking; hopefully it'll set me up well for next week!

    Happy Sunday all.

    NMx
    - Mortgage 1 started Oct 2016 £120,000 £101,990
    - Mortgage 2 started Feb 2019 £30,000 £28,500
    - Student loan started 2009 £16,413 £9,370
    + New house fund £38,030/£40,000
    + Emergency savings £4,200/£5,000
    + S&S ISA £200
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