Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Cheery Daff
    • By Cheery Daff 11th Mar 18, 6:28 AM
    • 8,743Posts
    • 44,819Thanks
    Cheery Daff
    Cheery's country living adventure
    • #1
    • 11th Mar 18, 6:28 AM
    Cheery's country living adventure 11th Mar 18 at 6:28 AM
    Hello lovely people

    I'm Cheery, been around these parts a long time now and had several DFW diaries over the years, most recently here.

    We are two - Mr Cheery and I. We've been together over 12 years now, and last week we moved from the middle of the city to the middle of nowhere. We were snowed in within 24 hours and unable to leave for a week Quite an introduction to country living

    I now have a mortgage for the first time in my life Mr Cheery had one before, but as it was near the end when I met him, we never added me, and then it got to the end of its 25 year span a few years ago. Now we have a brand new one, and I would like to pay it off as soon as possible

    It's going to take a while - we've borrowed 215,000 over 25 years A reasonable rate though (1.8%), fixed until Sept 2019. Our monthly payment is 890, and I'd like to overpay by 10 at least - with the aim of on average paying off an extra 110 a month to take it up to a round 1000.

    If we don't pay it off early, it'll run til I'm 62, and Mr Cheery is 80 A good incentive to get on with it

    Sadly our building society doesn't have online banking for mortgages (bloody ridiculous) and only sends annual statements, so it looks like I'll be ringing them up every five minutes for a new balance

    I would love it if you dropped in occasionally for a nice cup of tea, especially if you brought along some cake

    More details in a minute
Page 40
    • debtfreeoneday
    • By debtfreeoneday 23rd Jun 19, 5:36 AM
    • 2,976 Posts
    • 10,247 Thanks
    debtfreeoneday
    Soup sounds delish..
    DFW (08/08) 64,346.53 Gone for good (02/19)
    MFW (01/15) 82,637.87
    • Cheery Daff
    • By Cheery Daff 23rd Jun 19, 8:43 AM
    • 8,743 Posts
    • 44,819 Thanks
    Cheery Daff
    It was just yer basic carrot and lentil job but it was pretty tasty (especially as I found some sesame seeds at the back of the cupboard and toasted them to sprinkle on top - proper tasty!)

    So, needless to say I didn't get round to YNAB last night I was proper exhausted, and ended up in bed by 10pm - and later woke having a most distressing dream about my sister having murdered several people, and when I found out and tried to tell the police (who didn't believe me), she tried to poison me I mean, in real life she's rather more fierce than me (not difficult) but I suspect not that bad

    Anyway, a loafing day on the cards today. Well, relative loafing anyway, as I've been informed my 'loafing' days look rather productive from the outside I have already been for a run, picked the poop (and eggs) out of the chicken run, and raked up the grass

    Now I'm going to sit and drink a cuppa while I FINALLY sort out banks and YNAB, and maybe do a sneaky blog post.

    Then a shower, and then Mr Cheery and I are taking ourselves out for breakfast at our current favourite cafe, which annoyingly doesn't open til 10.30 on a Sunday. I'm planning to take a bit of diploma-related stuff with me to do.

    And then no other particular plans Some friends said they may come out for a visit, but as it's not quite so sunny as yesterday, I suspect they may decide they drove enough yesterday and don't want to drive an hour out to us... Quite often people tell me we live 'so far' away and they're too tired to drive here... which is fair enough of course. But I get the impression that they think I don't know how far away it is, and don't do the same journey myself in the other direction several times a week

    Anyway, in the absence of visitors... some batch cooking perhaps? and a little flute playing? and I MUST put away the washing - my study looks like some kind of laundry facility at the minute, especially as we had a visitor on Friday and I had to quickly gather up all my dumped clothes off the bathroom floor and threw them in the study instead Domestic goddess I am NOT

    Right, hope you all have suitably MSE days of fun and frolics (or at least getting useful things done!)
    xx
    • greenbee
    • By greenbee 23rd Jun 19, 9:17 AM
    • 13,318 Posts
    • 226,507 Thanks
    greenbee
    It does sound as if your loafing days are very productive... I've just managed to hang out my first load of laundry!

    Have you noticed yet that people think it's too far for them to come to you, but fine for you to go to them? Clearly the distance is shorter that way round...
    • Cheery Daff
    • By Cheery Daff 27th Jun 19, 3:46 PM
    • 8,743 Posts
    • 44,819 Thanks
    Cheery Daff
    Definitely noticed that greenbee!

    Anyway, I am popping in to confess that I have STILL not sorted out YNAB silly girl.

    And also my car is being held hostage (again) by the garage well, actually they were quite happy to release it, but they haven't actually FIXED it, and it has an intermittent fault that means it just rolls to a halt in the middle of the road every few miles limped it home at 10pm the other night, and limped it to the garage at 7 this morning, but did NOT fancy another 30 miles of cross town rush hour traffic and summer evening countryside traffic, only to have to do the same in reverse on Monday.

    Feel I've pushed my luck too far already and been very fortunate not to stop on a blind corner or whatever

    Anyway, so I am hanging about at the bus stop, and feeling grateful that (a) it's sunny, (b) I put my sandals on, despite the freezing fog that enveloped my house this morning, (c) there is a bus not too from work that will get me within 11 miles of my house, and (d) that we have another car, and that Mr Cheery is willing to come and get me in it.

    All good things and I get a little evening trip to Bakewell which is always cheerful
    • Cheery Daff
    • By Cheery Daff 27th Jun 19, 4:13 PM
    • 8,743 Posts
    • 44,819 Thanks
    Cheery Daff
    Right, finally on the bus (only 15 mins late - I was on the phone to traveline trying to find out where it was when it finally turned up). 4.70! I suppose that's not too bad for a 50 min bus ride to another town but it feels a bit steep to only get half way home

    Nowt much else to report financially I don't think. Had to order chicken food and bedding again this week - pesky chickens. But that's it on the big purchases.

    Nearly the end of the month so will be able to tot up the MB income - we've been over 800 the last two months but things are quieter over the summer... looking like I'll make it to 600 though so that's still good!

    And I realised I only overpaid the mortgage by the 1000 MB money last time, not the other money that I'd already saved so I'll pay that off too can't remember what it was off the top of my head but it included the marriage tax money which was almost 500 so a decent wedge altogether

    Wish I'd thought to get a drink before I left work, this bus is rather warm... might not off for a bit if I can - going to the end of the line after all...
    • debtfreeoneday
    • By debtfreeoneday 28th Jun 19, 5:43 AM
    • 2,976 Posts
    • 10,247 Thanks
    debtfreeoneday
    Hope the car is fixed soon and cheaply!
    DFW (08/08) 64,346.53 Gone for good (02/19)
    MFW (01/15) 82,637.87
    • Cheery Daff
    • By Cheery Daff 29th Jun 19, 2:28 PM
    • 8,743 Posts
    • 44,819 Thanks
    Cheery Daff
    Thank you, so do I!

    Not today though - apparently the guy who knows about electrics is going to look at it on Monday morning... Rather vexing really as next week is the one week of the year where I'm meant to be somewhere specific 9-5 every day almost like having a proper job!

    Fortunately Mr Cheery can take me to the nearest town, where I will apparently be able to get a bus to the ludicrously out of the way place I'?m meant to be. He's then got a hospital appointment in the city, and can collect me on the way home. What a faff!

    What will be more of a faff is figuring out how exactly we collect the car when it IS fixed, given that where I'm meant to be is nowhere near the garage, and if Mr Cheery drives to the garage he'll then have two cars and no way to drive the second one home

    Anyway, that's all hypothetical because I suppose they may decide they just can't fix it at all

    Anyway, we'll figure all that out later - the sun is shining and we've just been on a VERY hot walk down to our local village fete, which is down a big hill and then back up again. Yesterday I went to another local school fete, and the tombola was full of wine and cider and what did I win??

    A jar of Aldi pickled beetroot and a bottle of strawberry flavoured water

    Today I had slightly more luck, largely because I ignored the normal tombola (the prizes were all kids toys) in favour of the excellent "bottle-bola" in which you paid 2 and got to choose a bottle bag, and they ALL had something in (some alcoholic, some not).

    This time I won a bottle of sangria

    Back home now and trying to cool down a bit. Been contemplating some gardening but it's been far too warm so I'm going to wait til the chicken ladies are in bed and attempt to get the strimmer to work (it's not broken, just brand new and I've never used one before).

    But before that a couple of pals are calling in on their way home from somewhere else so we can have a nice laze around in the sunshine
    • Karmacat
    • By Karmacat 29th Jun 19, 7:59 PM
    • 31,906 Posts
    • 188,324 Thanks
    Karmacat
    Extremely vexing about the car, Cheery, and I hope its *not* hypothetical to think how to retrieve it. But your day today sounds lovely. And alcoholic, with sangria in the picture
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Cheery Daff
    • By Cheery Daff 2nd Jul 19, 11:03 AM
    • 8,743 Posts
    • 44,819 Thanks
    Cheery Daff
    Morning all (just)

    Well, still no car I rang the garage twice yesterday - at lunchtime the bloke had apparently not turned up yet, and at 4 he was 'looking at it now', and they said they'd ring when he'd finished, which they still haven't done I'll have to ring again at lunchtime, yawn. Honestly, it'd be quicker to train as a mechanic and fix it myself!

    Still, can't complain, although it does make this week a bit of a logistical faff. Me and several colleagues are holed up in a posh hotel on a 'writing retreat' - an element of our work that we are meant to do, but which we rarely get proper time for, so this is designed to encourage us to get on with it without checking emails or doing anything else (er, they didn't specifically exclude the MSE forum.... )

    Which is all very well, but it's 18 miles from home, and Mr Cheery has had to be in the city these last two days, so there's a bit of messing around. Yesterday he drove me here for 9am then went home, then back to the city (driving past where I am), then picked me up on the way home at 5.30.

    Today he's had to bring me here again for 9am, then go home, then he's going back to the city again, but is busy all evening, so either I stay here at this hotel on my own til he goes past at 10.30pm, or I get the train into the city and find a pal to have tea with.

    Tomorrow I have a docs appointment at 8am, so it looks like he might have to take me to that, then bring me here, and then come and get me again (although maybe he doesn't need the car tomorrow? Fingers crossed...)

    Of course, it's possible that the garage might FIX THE OTHER CAR at some point, in which case I'll have to abandon work, get the train into the city before the garage shuts, and then I can drive back here to carry on the afternoon.

    But who knows. Yawn. All very tedious, and I don't like the uncertainty. Are we going to have to do this ridiculous ferrying all week? Will we need to buy a new car?! Or am I going to have to sack off this afternoon's work to go and retrieve the other one?!

    I should probably let go of the whatifery For the next hour I am here with a specific job to do (which I am trying to avoid, hence being in here waffling about the car), and then at lunchtime I'll try ringing them again and we'll see where we are.

    Oh! Also meant to say about MB... Struggled last week going backwards and forwards with stupid casino offers and feeling like I wasn't getting there, but ended the month 552 up, meaning a total of 2400 since I started in the middle of March According to the new calculations, that's 52 each for me and Mr Cheery to play with, and around 220 to the mortgage, and 200 to savings

    This month is already going well - I'm up 60 since yesterday!

    Right, back to the day job I suppose....
    • themadvix
    • By themadvix 2nd Jul 19, 11:54 AM
    • 2,461 Posts
    • 13,651 Thanks
    themadvix
    Hope you hear back soon about the car.... So frustrating! In the meantime, hope you got the specific job done!
    • Cheery Daff
    • By Cheery Daff 2nd Jul 19, 2:28 PM
    • 8,743 Posts
    • 44,819 Thanks
    Cheery Daff
    Job didn't get quite finished (although significant progress was made) but the car is (apparently) now fixed, and I am in a (non MSE) taxi to collect it (slightly more MSE as the train I was on before the taxi didn't have a guard so I couldn't buy a ticket...)
    • Karmacat
    • By Karmacat 2nd Jul 19, 2:48 PM
    • 31,906 Posts
    • 188,324 Thanks
    Karmacat
    Here's to the writing retreat, and the car being fixed, and the MBing
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • lindez
    • By lindez 6th Jul 19, 9:36 PM
    • 520 Posts
    • 2,345 Thanks
    lindez
    Hi Cheery I have caught up on your diary wow it has been a really interesting read. Your home and all the acres of land sound really awesome. Great decision to move to the country side it has always been my dream. I have subscribed and look forward to reading. Hope the car is now fixed and congratulations on the MB well done. I will go and have a look at the web site.
    MFWB#44
    MFTT5 #28
    save 12k in 2019 #71
    • shangaijimmy
    • By shangaijimmy 7th Jul 19, 7:29 AM
    • 3,080 Posts
    • 15,625 Thanks
    shangaijimmy
    Cars are the devil of the frugal and money responsible folk of the world. I have a tricky indicator relay issue. Normally I'd attack that myself, but looking at the guides and vids on the 'information super highway' I'd be in for an afternoon of swearing, tempers and hitting things! So I'm now mentally weighing up how much is an appropriate amount to pay a garage for a 17 part, and 30mins of work for someone with the right tools!!
    MFW: Turning June 2036 into something less...
    52 months - Total Reduction: 55,485.79
    Was: 136,000..........Now: 80,513.92
    MFiT-T5 #8 - 8.79% of 26,000
    • Cheery Daff
    • By Cheery Daff 9th Jul 19, 11:15 AM
    • 8,743 Posts
    • 44,819 Thanks
    Cheery Daff
    Afternoon chums

    Welcome Lindez I can certainly recommend moving to the countryside It really is most beautiful and cheerful. In my case it's also miles away from anywhere useful, far more expensive and inconvenient than living in the city, necessitates driving everywhere, and our friends are rather reluctant to visit us. So as much as I recommend it for fun purposes, it hasn't exactly been MSE

    shangaijimmy cars are indeed the pits. Although fingers crossed ours has been fixed for 60 and lives to fight another day (it's 16 years old this year but I hope will be fighting for another few years yet!) Fingers crossed...

    Nothing much else MSE to report, except that I STILL haven't done YNAB It's going to be SUCH a mess when I finally get round to it In fact I've got some time alone tonight so I'll gird my loins and get on with it then.

    What else?

    - must order some new LPG - tank is at about 25%
    - still haven't used voucher for cafe
    - MB profit has tipped over 2500 now
    - still haven't paid June's MB profits to the mortgage, or the previous dosh that I'd saved either

    All my brain power is taken up with work at the minute - I have a deadline soon and I'm doing something a bit tricky that I've only ever done part of before and it requires co-ordinating lots of other people.

    But it should be off my desk for a few days by the end of today

    I did actually manage to get some veg in the ground over the weekend A load of beans (broad beans I think although my labels all faded), and a load of squash (again, no labels so could be anything). And some flowers that were in dire need of repotting.

    My beds are vaguely raised - made with cardboard and cow manure - but the chickens have been having a field day trampling and pecking in them. So they all need to be chicken-proofed once I've planted, and I can only plant once the chickens are locked away for the evening, otherwise they jump in any holes I've dug and scratch up the plants I've planted

    So once they've gone to bed tonight I'll get started on the next bed. A friend has given us a load of their spare plants, so they probably need to go in the next bed (although they're a higgledy piggledy assortment of things, don't even know what some of them are).

    My chicken-proofing is effective though, although it does look quite ridiculous. I'm basically winding wool (well, cotton that you knit with) around sticks at the four corners of each bed, then kind of weaving it vaguely across, about 6 inches off the ground Not bird proof netting, but it's enough of a deterrent to keep the chickens from wanting to jump in and scratch around. I'm surprised how well it's worked!

    Right. I only really came in here to avoid work for a few minutes but it ain't going to do itself...
    • Cheery Daff
    • By Cheery Daff 11th Jul 19, 11:47 PM
    • 8,743 Posts
    • 44,819 Thanks
    Cheery Daff
    Evening chums

    You will never guess who rang me today - the mortgage broker! I suppose not that surprising - our mortgage fix is up soon and clearly he is touting for business, perfectly reasonable.

    Except that I figured he must have died, or emigrated, or been imprisoned or something, as i tried SO MANY TIMES to get hold of him while i waited THIRTEEN WEEKS for a mortgage offer and faff to go round in circles separating individual fields to buy outside of the mortgage and paying off my student loan all because he hadn't filed in the forms properly at the start

    Not ONCE did he return a phone call or email. Not ONCE. His office staff were lovely but ineffective, and I needed to talk things through with the actual broker (as advised by the solicitor) and he NEVER got back in touch in over THREE MONTHS of agonizing waiting

    So no, Mr Mortgage Broker, I will not be availing myself of your services, however much you tell me I night struggle to find a good deal myself because of our complicated circumstances.
    • Cheery Daff
    • By Cheery Daff 11th Jul 19, 11:53 PM
    • 8,743 Posts
    • 44,819 Thanks
    Cheery Daff
    Sorry, big old ranty rant there

    But I'm glad he got in touch, because it means I can now send the official complaint that I drafted at the time but didn't send because I didn't want to do anything to jeopardize the mortgage offer, and it took so long to move after we got it that it all felt a bit far away...

    But this is a nice reminder of how annoyed i was back then. And I was very pleased with myself that I managed to tell him this on the phone today (although he took no notice and just kept blathering about how difficult it would be to do it ourselves) so I definitely think a follow up email is in order.

    Sadly it's a bit of a one man band so my complaint will get nowhere but it'll make me feel better!
    • taka
    • By taka 12th Jul 19, 8:15 AM
    • 3,258 Posts
    • 17,437 Thanks
    taka
    Ermmm a justified ranty rant! Go for it... even if it doesn't change anything it'll make you feel a bit less grrrrrrrrrrrrrr!

    ... Mind you I'm someone who joined Twitter last night in order to grump at Aldi for overcharging me - 20% VAT on sanitary products when it should be 5% and that is bad enough!!

    Maybe its ranty Friday today! Pity it's neccessary.
    2019 MFW #51 428.84/500
    MFiT-5 no 45
    You can't fly with one foot on the ground!
    • Karmacat
    • By Karmacat 12th Jul 19, 8:36 AM
    • 31,906 Posts
    • 188,324 Thanks
    Karmacat
    Wow, Cheery - he's got to have been absolutely terrible (as you've exactly described) for you to rant on here. Good to hear you're going to lodge the complaint.


    Oh PS - loving the description of your chicken proofing My catproofing is similar, but with twigs and small branches that I've pruned. It looks untidy, but there are fewer cats digging things up to leave me "presents".
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Cheery Daff
    • By Cheery Daff 13th Jul 19, 6:05 PM
    • 8,743 Posts
    • 44,819 Thanks
    Cheery Daff
    Well I hope they responded appropriately taka!

    Urgh KC, I'd FAR rather chickens in my raised beds than cats Fortunately (touch wood) I've not seen a cat round here...

    Well I am home alone this evening, and while I have had two tempting offers... both involve a lot of driving (one two hours, one four hours), and as I have been slightly grumpy and petulant today I have instead chosen to stay here alone and get on with a few things.

    First up, YNAB I've been putting this off for weeks - it's taken me 45 mins but I've finally sorted everything and put things in their proper places (I've not even attempted to guess where my actual cash has gone - the budget fiddling category has come into its own this month... No point trying to remember every school fair raffle ticket - moving on!)

    Anyway, also found 117 in my paypal account - I think I ordered something a while back then sent it back, and the refund went to PayPal, but the new one came out of the bank. Anyway, requested that, so that should make the overall balance a bit more cheerful

    Still 250 behind what I've budgeted for this month though - but it's payday on Thursday so I'll be able to sort that out

    Anyway, some spendy things.

    - just noticed we probably need a new front tyre on the little car. Sigh. Pretty sure we had them done only a few months ago so clearly something's a bit wonky.

    - Had a notice from the gas people that they're increasing the direct debit to 151 a month Coupled with a 95 electric bill this is quite outrageous! Need to sort this out (first of all by checking the electric meter, although sadly I fear it's correct and we're still paying for not having radiators in several rooms and using electric heaters last winter )

    REALLY need to fix the hole in the ceiling before the winter this year - that's where most of the money has gone I think - sending heat up into the loft space

    Anyway, blah blah blah. There are other things I want to get on with, but it's SUCH a lovely evening out there and the sunshine won't last forever so I'm going to go and do an hour in the garden now the chickens are shut in their run

    When I come back I want to....

    - sort out the matched betting account - need to check everything's gone in there that should have done

    - check the mortgage fix on the building society website (wibbling about this one in case it's outrageously more expensive - REALLY don't want to have to go through remortgaging if we can avoid it )

    - flute practicing - concert is coming up soon and the final rehearsal is tomorrow

    That's probably quite enough, although I have quite a 'floor-drobe' at the minute that could also do with sorting out...
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

107Posts Today

1,427Users online

Martin's Twitter