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  • FIRST POST
    • greent
    • By greent 26th Mar 10, 2:46 PM
    • 7,010Posts
    • 71,579Thanks
    greent
    greent's mfw journey
    • #1
    • 26th Mar 10, 2:46 PM
    greent's mfw journey 26th Mar 10 at 2:46 PM
    Afternoon all!

    I have been inspired after reading lots of the diaries on here to join in.

    Background: OH and I are both 40. Have 4 children (12, almost 10, 4 and 10 months) OH was made redundant twice last year and recently started working as a contractor on a daily rate (4 month contract, may be extended a little) - so we now have a limited co of which we are both directors. I no longer work. We have a BTL property on which we have an interest only mtge and will clear that by selling the property (only bought for capital gain, not income, purposes) BTL property has long term tenant in. Rent covers mtge and buildings insce and repairs/ renewals with a small excess - but not much.However, it's on a fixed rate and takes care of itself.

    MFW relates to our home. Bought in Oct 2005 for 277k, 130k mtge over just under 16 years (kept previous end date) Since then we have added a further 30k to the mtge for a loft conversion (needed due to the no of children!!) that cost approx 35k. We have also spent 20k+ on a bespoke fitted kitchen and building work - but financed that from savings/ income. And decorated and new carpets (previous owners ran out of money and had to sell, so place was full of stuff to do, even though it's still only 11 years old!) Some overpayments have been made, as can be seen from the overall balance.


    OUr mtge is with C&G. I have a statement for balances as at 31/12/09:
    (Balance as at 31/01/2009 was £124 616, so we reduced the balance by just under 20k last year)
    Sub Account 01
    Term remaining 12 years and 7 months.
    Fixed rate 4.79% - until 30/09/10
    Balance £79512.27

    Sub Account 02
    Term remaining 13 years 1 month
    Fixed rate 3.99% until 30/04/11
    Balance £25423.78

    Sub Account 03
    Term remaining 12 years and 7 months
    Fixed rate 4.79% until 30/09/10
    Balance £33.32


    TOTAL BALANCE: £104969.37

    We can repay by 10% a year without incurring penalty fees. We pay £1074.94/ month - this includes an element of overpayment, but I'm not sure how much (we didn't reduce our monthly payments when we paid off £12500 after DH was made redundant the first time)

    My first step is going to be repaying Sub Account 03 We are with C&G, so I will phone them up about this. I can also afford to repay £4k to £5k from sub account 01, I think - but will leave that until after a meeting with our accountant (we are not sure yet exactly how much OH will be paid from the linited co)


    I'm kind of looking for advice/ ideas, I guess... Would posting an income/ expenditure budget be an idea?

    greent


    ETA: We don't have any other debts. CCs are used (Tesco ones for Clubcard points for rewards) but are paid off in full.
    Last edited by greent; 25-05-2010 at 11:41 AM.
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
Page 84
    • Karmacat
    • By Karmacat 2nd Dec 17, 12:11 PM
    • 29,202 Posts
    • 166,784 Thanks
    Karmacat
    No interest payment at all seems *extremely* cheeky! Following up, though, just too much. Good for you for getting the capital back

    8% for fully managed let sounds a good deal, actually, that does let you off the hook of all the calls about hot water tanks etc etc. Enjoy!
    Retired August 2016
    • greent
    • By greent 3rd Dec 17, 9:23 AM
    • 7,010 Posts
    • 71,579 Thanks
    greent
    Yep - not worth my time in chasing up any interest at 0.01% , or whatever!

    Yesterday's 'outs' included one fleabay sale and 2 outgrown Xmas jumpers sold on fb00k - all proceeds added to kitchen fund . Flooring now booked (50% deposit paid), plasterer booked, plumber possibly booked, no gas safe person found yet for cooker (argh!), new range ordered (purple ) New radiator being ordered today (I think)

    January is going to be a nightmare - we have to take out the old kitchen, get the floor tiles up, remove the wall tiles etc before plasterer comes in (w/c 08/01) I'm working 2 weeks in Jan - OH looks like he'll be working away again in Maidenhead from w/c 08/01 (fingers crossed) and the BTL needs turning around in Jan (wallpaper stripping/ repainting, 1 new kitchen cupboard door, carpets cleaned (they are clean but I want to make sure), big clean of the place (may get someone in to do end of tenancy clean), some sealant needs removing and replacing in the bathroom and some grout needs cleaning up) - eek! Some long days and late nights, I feel!

    I'm really trying to run down food this month - whilst also taking into account it's going to be school hols and Xmas - less stuff come beginning of Jan (esp pantry items) = less to move out of the kitchen (will pack some away - am not going to be baking cakes whilst kitchen is being done, for instance!) January's food could be interesting!

    Other money news? - hmm... not much - haemorrhaging money out at the moment paying for kitchen and Xmas. I also have a tax bill of just over £500 to pay in January. I will look to sort that by mid Jan

    Biggest bit of news is that it looks like (subject to sign off) OH will still be working in Maidenhead come Jan for a couple more months, at least. This is good news - we'll still have money coming in to the company! He has an unpaid break from Fri 15/12 - Mon 08/01 - but I have (of course!) lots of plans to keep him busy with kitchen etc in that time! (I don't want to rip any of the kitchen out before Xmas, but we can start to pack up a little bit and straight after Xmas and NY we can pack up the crystal and a lot of the crockery. Am considering using melamine plates and plastic glasses from the camping stuff whilst kitchen is being done - less stress than trying to wash up 'real' stuff in the bathroom (or maybe the caravan if we hook the waste water up) In fact, decision made - I WILL do that.

    Right - off to clean the g-pigs hutch out - such glamour for a damp Sunday morning!
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • atypicalblonde
    • By atypicalblonde 7th Dec 17, 12:43 PM
    • 2,860 Posts
    • 20,050 Thanks
    atypicalblonde
    A new kitchen is firmly at the top of my "to do" list once we are MF. It will be a huge upheaval for you all but sooooo worth it xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
    • shangaijimmy
    • By shangaijimmy 7th Dec 17, 2:09 PM
    • 2,716 Posts
    • 13,381 Thanks
    shangaijimmy
    A new kitchen is top of list post mortgage!! And a new bathroom. And a new en suite! And probably a new couch. Mmmm... and out artificial turf will need replacing...
    MFW: Turning June 2036 into March 2025... 38//120 Payments Challenge, Diary Reduction £40,984.38
    Aug 2009: £163,051 // Current: £95,015.63 // Avg Daily Interest £4.27
    MFiT-T4 #8 - 74.24% of £41,000
    • Watty1
    • By Watty1 7th Dec 17, 4:04 PM
    • 2,989 Posts
    • 21,286 Thanks
    Watty1
    Thinking another pony might be on my post mortgage list.....I know how to complete a financial drain
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • michelle09
    • By michelle09 8th Dec 17, 4:14 PM
    • 777 Posts
    • 4,278 Thanks
    michelle09
    We're on the kitchen rundown as well, have you got Christmas food sorted if you're going to be at home for it?

    Just remember how amazing it will be when it's done.
    • greent
    • By greent 9th Dec 17, 7:59 PM
    • 7,010 Posts
    • 71,579 Thanks
    greent
    Waaaaah!!!! Just lost a looooooong post!

    In a nutshell - Xmas is here, bird is sorted (bought fresh and then frozen) - will sort veg closer to the time. OH's contract extension confirmed - but only until 2nd Feb. Busy week at work last week - and another busy week to come. Very cold here, but no snow

    Hope everyone is keeping warm!
    xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • Karmacat
    • By Karmacat 10th Dec 17, 1:43 PM
    • 29,202 Posts
    • 166,784 Thanks
    Karmacat
    Sounds good, greent. Nice and warm inside here, but very sodden outside and cold with it, I'm not setting foot out there.

    Are you sorted for Christmas deccies too? Or do the littlies make some each year?
    Retired August 2016
    • michelle09
    • By michelle09 10th Dec 17, 7:11 PM
    • 777 Posts
    • 4,278 Thanks
    michelle09
    Oh no. Least you're all sorted, suspect Mum will coerce me into another 6am Christmas Eve veg shop!

    Has the snow made an impact on school around your area?
    • greent
    • By greent 17th Dec 17, 8:42 AM
    • 7,010 Posts
    • 71,579 Thanks
    greent
    Most secondary schools in the county were shut on Monday with last Sunday's snow fall - DS2 had a day at home but really wanted to go in as he had a trip to the panto (the theatre ended up being shut anyway - but no refund forthcoming, as the school have kept the money towards a Summer Y7 trip....) DS1's school was open (1 of the 3) so he and I went in together (I was invigilating Y11 mocks) and DS3's school was also open.

    DD went to her bf's parents' house last weekend (in the Welsh valleys) - and got stuck there for an extra 2 nights due to the heavy snow they had! They finally made it back to uni in time for an exam she had (which counts towards final marks)

    All 3 of my boys have broken up from school now - they all finished for the holidays on Fri lunchtime/ afternoon. I finished work until 11th Jan on Thurs and OH's contract finished on Fri until Jan. He went to collect DD from uni (only an hour away) so she got back here on Fri evening - so the holidays are now well and truly started It was her bday last Monday so Fri night was all about cake and presents. Yesterday we started putting up Xmas decs. Usually we have a large real tree in the living room (colour coordinated in bronze, gold and purple and rather gorgeous looking, even if I say so myself) and a large fake tree in the family room full of crazy decorations, HM decorations, gaudy tinsel, a crazy lopsided fairy, colour hanging massive angel lights etc. However, due to kitchen works and the family room being a bit crazy with stuff in, I've abandoned the idea of a full sized second tree (much to most of the family's disappointment) and just gone for the fake one in the living room instead - and have let the kids decorate it with all the crazy items It also saves us the cost of a real tree (c £60) this year and is just a bit less to do in terms of putting decs up/ taking them down. The 4 kids have also each got small (2 or 3ft high) trees in their rooms (each with a colour theme) and then I've still got 3 other small trees......

    I need to get the house a bit straighter today (crazy from working the past two weeks, combined with Xmas performance/ activities, OH working away some of the time, the snow creating work, it just being a busy time of year) and then tomorrow I plan to check all presents and see *just* what still needs to be done, which hopefully isn't that much.... fingers crossed. Tuesday is HP Studio Tours day, so any gaps in DS2 and DD's presents (they have bdays either side of Xmas, so there is a double requirement for them) should be filled by purchases from there. Weds is cinema (Last Jedi) and then that should see us sorted before Xmas. DS1 and DD also have nights and days out with friends and we have to see some friends and family for present swaps too

    Money wise - DS3 has made £150 from selling unwanted toys on fleabay! DS1 and DS2 have made a much smaller amount each (c £10 each) and I've made just over £60 from there this month (all figures net after all costs) I will bank some of DS3's and he can have some towards post Xmas purchases of (no doubt) leg0.... Any money we're (OH and I) making at the mo is all going towards kitchen stuff (will add up exact costs after the end...) - we currently have a very healthy looking savings account for it, which will be wiped out in Jan

    Other than that, the tenants are moving out on Jan 10th. No interest in it by any new people yet - wrong time of year, really - so it is now off the market until the NY. I've stopped OPing the mtge until we have new people in (other than the occasional small £5 payment a few times a month from 'saving the change' on OH's current account) but I expect to be able to do that again come Feb (March at the latest), so only a small delay in real terms
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • newgirly
    • By newgirly 17th Dec 17, 8:56 AM
    • 6,273 Posts
    • 43,337 Thanks
    newgirly
    How wonderful having them all back together I love the sound of the crazy tree, mine is the same, tinsel, multicoloured lights , 1970s baubles nobody wants their own tree to look like that but they love mine

    Have you made any plans for next year yet?
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • Karmacat
    • By Karmacat 17th Dec 17, 9:58 AM
    • 29,202 Posts
    • 166,784 Thanks
    Karmacat
    Wow, greent, what a post! Amazing stuff. As newgirly says, having the family altogether like that is lovely - and you've planned some great trips out as well.

    And apparently you have a forest in your house at this time of year it's very impressive
    Retired August 2016
    • CathT
    • By CathT 17th Dec 17, 3:39 PM
    • 5,546 Posts
    • 38,656 Thanks
    CathT
    Hope the pace of life slows down a little now you have all finished for Christmas. Still one week to go here, it's very much a reversal of last year when our schools finished before England. We used to have two trees but one was one my mum gave me and the fake snow used to drive me mad falling off it so I returned it to her!
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • greent
    • By greent 17th Dec 17, 6:28 PM
    • 7,010 Posts
    • 71,579 Thanks
    greent
    Some local schools are still going until Tues/ Weds - but it's nice that we've all finished (it does mean an early return though - 2nd Jan for DS1 and 3rd Jan for DS2 & DS3)

    'My' tree (forsaken this year) is very different to the one currently up! I always choose a really wide tree and there are 600 warm white lights on it first. It is then festooned with literally hundreds of gold/ bronze/ purple baubles of varying sizes, a few gold bells and stars and one large golden pear (random, but I love it) Next year it will be back!

    I haven't made many concrete plans for 2018 yet, newgirly - I have some vague/ possible ideas which need firming up. I also need to revisit this year and see how that went ( I already know some bits went better than others! ) I'm looking forward (without wishing Xmas away, as I love it too much!) a new year though
    x
    Last edited by greent; 17-04-2018 at 7:25 PM.
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • shangaijimmy
    • By shangaijimmy 18th Dec 17, 10:11 AM
    • 2,716 Posts
    • 13,381 Thanks
    shangaijimmy
    Our school only closes on Friday! DS1 is most agrieved that mummy and daddy have finished work yet he still has a week to go, whilst i'm viewing it as a minor adult victory!
    MFW: Turning June 2036 into March 2025... 38//120 Payments Challenge, Diary Reduction £40,984.38
    Aug 2009: £163,051 // Current: £95,015.63 // Avg Daily Interest £4.27
    MFiT-T4 #8 - 74.24% of £41,000
    • greent
    • By greent 18th Dec 17, 5:22 PM
    • 7,010 Posts
    • 71,579 Thanks
    greent
    2017 Review
    As I wrote up 2016's review on 18th Dec, it seems a good time to do it again this year! (Clearly there is a lull in the proceedings at this time for me - enough of one, anyway, that I can look back and forward )

    • Make memories together - lots of good ones! - Definitely a keeper on the list. I am aware that time with all 6 of us together will be rarer and want to make the most of it - we have played lots of family games together, gone to playparks with smalls, more cinema trips than before (cheap tickets), a holiday without DD. Weekend brunches together have been a good family time - even better than Sunday dinners. DS1 (17) has a brilliant sense of humour and is funny to talk to on the way to school (I take him when I'm invigilating there) We're ending the year with 2 (part)family trips (ie: not everyone is going on each trip) - HP Studios and a cinema trip. Oh - and OH and I had a night away totally without children for the first time in years! (we've only ever had one night away since having 4 children before) The boys had fun in the snow last weekend
    • Little jobs which need doing around the house - spreadsheet to be updated over Xmas hols and timescales decided upon - some have been done, but not as many as probably could have been - partly because OH has been working away since Jan and partly because some have been overtaken by new little jobs which have arisen since this time last year - and also partly because we are innately lazy!
    • Kitchen remodel (and some new appliances sadly required) without any debt - 2017 will see this happen!! - well 2017 has seen this planned and changed and planned some more - so although this hasn't been done, the plans are there, the deposit has been paid and it is booked for the NY (Once we got to Oct I didn't want it started in case of delays in the run up to Xmas) I consider this an almost-success
    • Tackle various bits of debt (eg: OH's car loan, tax credits overpayments ) - £10K target for the year - yep. Tax credits, OHs car, an old small prsnl loan, some 0% CC debt - £12239 repaid in 2017
    • Support DD through rest of first year at Uni, DS1 through AS exams and UCAS application and DS2 through starting at secondary school - success. DD got the equiv of a 2:1 for her 1st year. DS1 could have done better in his AS exams - but far better to door poorly in AS than in A2 - hopefully he realises the work required. UCAS app - 1/ 5 conditional offers received, 1 rejection, 3 still to hear from. DS2 is loving his new school, after an undecided start. More work for me with some running around but he is thriving and has joined the rugby club (and is in a team - he was previously totally non sporty), the rifle shooting club (the school has their own rifle range!), the drama club and the chess club
    • Continue to declutter - Marie Kondo style (I WILL conquer the paper in this house!!) - definitely a success. Paper was done - needs a revisit in the NY to ensure systems are maintained. Lots of things have gone - but this is an ongoing process with 4 children
    • Make £500 from selling unwanted/ unused/ unloved items discovered during decluttering! - £1445.57 (net) made between myself and the children.
    • Pensions! - we have upped our contributions to co pensions but still need to review our old pensions - my transfer value seemed huge when I had a peek, so I'm confused.
    • Lose weight - still aiming for 2 stone -
    • Review all finances to ensure current needs being met in best possible way - kind of. Money has been being saved for kitchen (which is costing rather more than we thought) so it's been in a reasonably easy access account. New 0% CC obtained to buy some kitchen things on and aid cashflow for 1st half of 2018
    • Ensure Co accounts and personal tax stuff submitted to accountant promptly!! - Co year end is 31/01 - accounts were submitted to accountant before the end of Feb. Personal tax stuff was with them in May - definite success for both items
    • Carry on targeting BTL IO mtge - target for 2017 is £3286 reduction - actual reduction so far £5288. Currently on hold until new tenants in
    • A cheap family holiday - maybe even just in the caravan with the smaller two. - hmmm - a week in Portugal in Oct wasn't exactly mega cheap - but not outrageously expensive. DD unable to be there, but we did give her the spending money for her trip to Paris
    • Simplify life - an ongoing thing. I have decided to drop the festival after the NY and will let the main organiser know first week in Jan. Whilst I am committed to invigilating in both secondary schools for this summer, I may resign from one after the exam season - I much prefer one school above the other and it seems silly to run myself ragged with 2 very different systems (the one I'm considering dropping pays 26% more per hour, so it's not a money based decision! ) I have been neglecting the charity stuff - really need to get my b** into gear and sort all paperwork out and hand it over after AGM. It's a fab project, but I've done my stint there now and I'd possibly like to do something else - Gosh! I find it hard to believe that this time last year I was still involved with the festival. Anyway, I *did* resign in Jan. I also left the charity in July - it wasn't my plan in the end to leave entirely but I did, somewhat abruptly! However, since then I have realised just how much it was affecting me negatively and I don't miss it one bit - so leaving was definitely the 'right' thing to do for me.
      I am still invigilating at both schools - I was hoping to get a different role at one, but mention of that has fallen by the wayside.
    • Health - I need to get fitter, not just lose weight. I am loving Zumba and it has helped my shoulder mobility but I need to do more. This was going great guns at the start of the year - Zumba 3-4 x/ week, HIITs and C25K..... then I got a cold which went to my chest over Easter and took time out, then the exam season happened and then I got lazy over the Summer. 2.5months ago I tore a ligament in my left foot and it's only just easing up now but needs a lot of support still. However this *will* be resurrected
    • The garden - lots of little jobs to do here and it tends to come at the bottom of the list so will do a separate list for this and also look to grow some veggies again in 2017 (didn't in 2016 as we were away for 3 weeks in the Summer) Ultimately (but definitely not in 2017!!) I would like it re-hard landscaped and remodelled as it needs it. Grew fruit, salad leaves and lots of tomatoes - was probably enough, tbh. Still lots of jobs to do. 1 patio was smashed up and removed but has not been replaced with anything yet - except weeds!
    • Count my blessings each and every day Life is good - sometimes I need to remind myself of this - I have been practicing daily gratitudes


    Overall - some good bits, some not so good bits. OH did get a contract in Jan which was extended in July and has just been extended again until 2nd Feb - so that's been good. I've probably still not put my physical health and wellbeing high enough - although mentally I feel better for no longer doing 2 things which were dragging me down. House is better clutter-wise. And I have a nephew (8 weeks tomorrow) - ooh - and my 'baby' cousin (she's 26...) got engaged and has set a date for her wedding (2019) to a lovely chap No family deaths and no major health scares (that I'm aware of)

    Now to 2018...
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • newgirly
    • By newgirly 18th Dec 17, 6:04 PM
    • 6,273 Posts
    • 43,337 Thanks
    newgirly
    Fantastic update greent
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • Karmacat
    • By Karmacat 18th Dec 17, 6:18 PM
    • 29,202 Posts
    • 166,784 Thanks
    Karmacat
    I agree, that's a fantastic update, you've done so much! Though not so much for yourself as for the others, maybe? It's got to give somewhere, I suppose, but your health is *so* important ... please take care. Oh, yes - enjoy yourself too

    Retired August 2016
    • CathT
    • By CathT 18th Dec 17, 8:35 PM
    • 5,546 Posts
    • 38,656 Thanks
    CathT
    Great update. You achieve so much and it was lovely to read a summary of your year and goals achieved.
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • shangaijimmy
    • By shangaijimmy 18th Dec 17, 9:24 PM
    • 2,716 Posts
    • 13,381 Thanks
    shangaijimmy
    Great update and got me thinking... I'm sure on my diary id promised a 2017 review, so need to get that boxed off!
    MFW: Turning June 2036 into March 2025... 38//120 Payments Challenge, Diary Reduction £40,984.38
    Aug 2009: £163,051 // Current: £95,015.63 // Avg Daily Interest £4.27
    MFiT-T4 #8 - 74.24% of £41,000
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