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  • FIRST POST
    • greent
    • By greent 26th Mar 10, 2:46 PM
    • 7,231Posts
    • 73,486Thanks
    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) £3290.25/£4000
    Net sales 2018 £613.49/£1000 PAYDOX18 (#15) Done £18918.90
Page 91
    • greent
    • By greent 12th Apr 18, 4:01 PM
    • 7,231 Posts
    • 73,486 Thanks
    greent
    Ooh - also forgot that we've switched energy suppliers - DD has increased by only £2/ mth (best deal on current provider was £12/mth) and we've gone through tcb, of course

    Both car insurances are due 1st May, so we're now comparing prices on those (although DS1 has his driving test this month, so I will add him to mine if he passes...)
    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) £3290.25/£4000
    Net sales 2018 £613.49/£1000 PAYDOX18 (#15) Done £18918.90
    • Karmacat
    • By Karmacat 12th Apr 18, 4:39 PM
    • 29,582 Posts
    • 170,248 Thanks
    Karmacat
    We have an appointment (here) with an IFA tomorrow morning, mainly to discuss pensions. Our DB pension schemes from our banking days have a joint transfer value of just over £900K - but as well as the guaranteed pension amounts there are also pensions payable to the children aged under 23, should anything happen to us. As the children range in age from 20 down to 8yo this is something to take serious note of. It will be good to get a professional opinion on some points, and as OH used to work with the guy (in banking) he's not just some random person I believe (OH arranged it) that this first appointment is free
    Originally posted by greent
    Fantastic pension amounts, congratulations!

    Also wanted to say that those pensions payable to the children are potentially incredibly important. My youngest nephew was about to enter the last year of his undergraduate degree when his father died. He couldn't stand the thought of carrying on in a student house of six people, so the pension that was directly payable to him was used to rent him a little flat on his own. It made all the difference, and he managed to finish the degree successfully that year and graduate at the expected time.

    A bits n pieces kind of day today - took DS2 for haircut at the local barbers (much nicer to be in than where OH takes him) and DD has just nabbed my car to take herself to a hair appointment (I believe the first one ever that she'll have paid for herself!) Have also baked a brown seedy loaf, a white loaf, a lemon Victoria sponge (just need the 2 halves to finish cooling before I sandwich them together) and a sheet of chocolate cookies However, I have absolutely no idea what to make for dinner! Am now just going to do an hour of ironing to Holby on catch up whilst the 2 smallest are playing 2 loads of washing also done
    I'm not a fan of ironing, but that sounds an absolutely idyllic day, greent
    Retired August 2016
    • atypicalblonde
    • By atypicalblonde 13th Apr 18, 9:48 AM
    • 2,922 Posts
    • 20,825 Thanks
    atypicalblonde
    Good luck to DS1 with his test!

    Your posts always make me crave a cuppa and a slice of HM cake I was watching your granite and totally forgot as it finished whilst we were away, d'oh! Hope it sold xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
    • Moneyfordreams
    • By Moneyfordreams 13th Apr 18, 5:41 PM
    • 1,068 Posts
    • 5,216 Thanks
    Moneyfordreams
    finally caught up ... ever busy.. good luck to DS1, we've suggested driving lessons for DD2s 21st in September.. she want them before that so sounds like we'll be coughing up soon x
    Mortgage restart June 2018 £119950
    zero personal cc
    6x166 for sofas ending November 2018
    £2500 on DD1s car cc
    • Urbanshyne
    • By Urbanshyne 14th Apr 18, 5:34 PM
    • 50 Posts
    • 204 Thanks
    Urbanshyne
    I've started reading my diary back from the beginning - gosh! - I was so motivated and full of energy back then!! It was my 8 year diary birthday a week ago, which is what prompted me. Some bits are bittersweet but it's a worthwhile exercise. It has galvanised me into listing half a dozen more costly items on fleabay tonight (well, getting basics on there to ensure I've made a promotion deadline- will fill in more details on them tomorrow) It's also made me think about how 'jaded' I can be nowadays - I am going to try to be more jolly I also think that I have gotten quite lazy - I used to achieve far more with my time - so I am planning on less mse/ blogs/ general internet/ candy crush (shhh) time.... should hopefully mean I am more productive elsewhere!
    x
    Originally posted by greent
    Hey greent,

    I used to live out of a rucksack not that long ago. I wasn't homeless, so I'm saying that semi-metaphorically, I suppose, but there was little permanence to my situation that meant a rucksack of stuff was all I could commit to really. Shared houses, travelling, job insecurity, parties - they all played their role in that. Fast forward 10 years and impermanence has found a solid foundation in this house I nearly own. The transformation has been dramatic for me, and I wonder if I had a diary covering those years whether I, like you, would lament something lost. It's entirely sentimental, I guess, and maybe one judges oneself harshly when a wildfire mellows to embers (if that's what you're saying of course!?), but things change, priorities evolve and, well, we get a little bit older.

    And the point to this...? Errr...
    Neither a borrower or lender be; for loan oft loses both itself and friend.
    • greent
    • By greent 17th Apr 18, 2:14 PM
    • 7,231 Posts
    • 73,486 Thanks
    greent
    Good luck to DS1 with his test!

    Your posts always make me crave a cuppa and a slice of HM cake I was watching your granite and totally forgot as it finished whilst we were away, d'oh! Hope it sold xx
    Originally posted by atypicalblonde
    It did sell, thanks, atb - and I'd put it on when there was a listing offer, so my fvf was a bargainacious £1

    finally caught up ... ever busy.. good luck to DS1, we've suggested driving lessons for DD2s 21st in September.. she want them before that so sounds like we'll be coughing up soon x
    Originally posted by Moneyfordreams
    Expensive business, driving lessons!

    Hey greent,

    I used to live out of a rucksack not that long ago. I wasn't homeless, so I'm saying that semi-metaphorically, I suppose, but there was little permanence to my situation that meant a rucksack of stuff was all I could commit to really. Shared houses, travelling, job insecurity, parties - they all played their role in that. Fast forward 10 years and impermanence has found a solid foundation in this house I nearly own. The transformation has been dramatic for me, and I wonder if I had a diary covering those years whether I, like you, would lament something lost. It's entirely sentimental, I guess, and maybe one judges oneself harshly when a wildfire mellows to embers (if that's what you're saying of course!?), but things change, priorities evolve and, well, we get a little bit older.

    And the point to this...? Errr...
    Originally posted by Urbanshyne
    - The bitter bit was being reminded about some tough times/ horrid things happening - but the diary overall came out as positive and energetic, I think.... And has motivated me to get some things shifted/ money in - so was worth doing!



    DS1 failed his driving test - sadly. Has another one booked in for early June. Fingers crossed!

    'Twas DS1's 18th bday on Sunday - seemed to like his presents and cake, so that's the main thing! Also got some generous cash gifts from 2 of my aunts, so they shall be banked

    DD went back to uni last Sunday night (taking the usual approx. 1+ week's worth of food with her!) She's coming back for the Summer 19th May (finishes her exams a few days earlier, but that's the best date to collect her and all her stuff)

    Pension guy was ok - but concentrated very much just on transferring the DB pensions. Kind of missed telling us some basics, which I had to ask about at the end - and also missed some other stuff (maybe assumed we knew it - which we kind of did once-upon-a-time when we worked in retail banking, but that's a long time ago) OH got huffy when I said I'd like to talk to someone else as well ('cos clearly that was a criticism of him.... rolls eyes....) but I'd like to do some more research and have more info/ knowledge when talking to next person and also talk about not just the DB pensions and pros/ cons of transferring. So we've agreed to do that.

    Kitchen is still not finished.... granite people scratched a piece of the granite - and they can't polish it out - as we didn't scratch it I am not happy with their solution as it is still visible - and about 8 inches + long. I want a new piece of granite. It's all gone quiet......... Can't get it painted until granite is sorted, as removal of granite/ upstands causes damage to walls/ paintwork. Meh! Still... it will be lovely when done - and final payment to kitchen co and money for decorator are sat in an interest bearing account in the meantime

    It's so chilly today! Almost Autumnal feeling! I may have to put the heating on low for a couple of hours this evening - I'm already cold in a jumper and vest top and socks and slippers! (and jeans, of course! )

    Can't remember if I said, but OH's contract has been extended yet again - end date is now end of June (was end of April).

    We've got increased pension contribs from this month into co pension scheme - co is putting in 15% and we are putting in 10%. Sounds great - until you realise that we actually take out tiny drawings from the co, so the £ amount is still small! Still, it's better than nothing - which is the amount of contributions we were making just over a year ago! I'm just waiting for tax credits people to contact me now about an overpayment - they think I owe them money - I'm not convinced that I do (or if I do it's much smaller than the amount they suggested as a possibility last year) I need to get our personal tax stuff up together for 2017-18 to have all figures to hand for them and then can pass it over to accountant - along with company accounts (year end was 31st Jan)

    I've just about got time to re-tidy and vacuum kitchen before collecting smallest from school...off I go.....! x
    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) £3290.25/£4000
    Net sales 2018 £613.49/£1000 PAYDOX18 (#15) Done £18918.90
    • apple muncher
    • By apple muncher 17th Apr 18, 8:21 PM
    • 7,561 Posts
    • 56,975 Thanks
    apple muncher
    Is the fact that you didn't have enough laundry for a full load connected in any way to dd going back to uni...? Jus' askin'!
    NST August Achiever #16; NSD 6/15; Ex 10/20 ; craft 12 (105); remove 1 (593)
    2018 Pay off: £2382; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £20,761 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • greent
    • By greent 17th Apr 18, 8:35 PM
    • 7,231 Posts
    • 73,486 Thanks
    greent
    Is the fact that you didn't have enough laundry for a full load connected in any way to dd going back to uni...? Jus' askin'!
    Originally posted by apple muncher
    HaHa!!! We normally have enough for a full load every day even when she is away - but I did do 2 loads yesterday, so it'll even out (and will have 2 loads on Fri) And to be fair to DD, DS1 creates far more washing than she does - although his tends to emerge from his room in bundles, rather than daily (and usually has lots of odd socks in......)

    Managed - in that gap before school - to tidy kitchen, vacuum kitchen/ hall/ cloak/ lounge/ dining room and list something on fleabay - yeay! Have since sorted some other things into sets (toys) for listing but don't think I will do them tonight.

    Having sold 4 things on fleabay last week (£95 net sales) I now have a bid on one thing at £80+ - ends in a couple of days. I really hope the person who wins collects it, as it is large/ bulky / heavy to send by courier. I've got watchers on my other 2 listings - am hoping that they might change into a bid or 2, fingers crossed I'm really motivated to get stuff out of here atm - whether it be CS, fleabay, passed on to someone else, recycled etc - just as long as it's Gone!! Not sure what's brought that on, but I've even been doing more housework - Spring cleaning fever must've struck! (On which note, I shall now go and put away some of the 2 hours' worth of ironing which I did earlier..... )
    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) £3290.25/£4000
    Net sales 2018 £613.49/£1000 PAYDOX18 (#15) Done £18918.90
    • apple muncher
    • By apple muncher 17th Apr 18, 8:49 PM
    • 7,561 Posts
    • 56,975 Thanks
    apple muncher
    Steady on, mrs! Don't overdo it now...
    NST August Achiever #16; NSD 6/15; Ex 10/20 ; craft 12 (105); remove 1 (593)
    2018 Pay off: £2382; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £20,761 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • MeandO
    • By MeandO 18th Apr 18, 10:43 AM
    • 1,513 Posts
    • 7,200 Thanks
    MeandO
    HaHa!!! We normally have enough for a full load every day even when she is away - but I did do 2 loads yesterday, so it'll even out (and will have 2 loads on Fri) And to be fair to DD, DS1 creates far more washing than she does - although his tends to emerge from his room in bundles, rather than daily (and usually has lots of odd socks in......)

    Managed - in that gap before school - to tidy kitchen, vacuum kitchen/ hall/ cloak/ lounge/ dining room and list something on fleabay - yeay! Have since sorted some other things into sets (toys) for listing but don't think I will do them tonight.

    Having sold 4 things on fleabay last week (£95 net sales) I now have a bid on one thing at £80+ - ends in a couple of days. I really hope the person who wins collects it, as it is large/ bulky / heavy to send by courier. I've got watchers on my other 2 listings - am hoping that they might change into a bid or 2, fingers crossed I'm really motivated to get stuff out of here atm - whether it be CS, fleabay, passed on to someone else, recycled etc - just as long as it's Gone!! Not sure what's brought that on, but I've even been doing more housework - Spring cleaning fever must've struck! (On which note, I shall now go and put away some of the 2 hours' worth of ironing which I did earlier..... )
    xx
    Originally posted by greent

    Spread some spring cleaning mojo this way please!
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • Karmacat
    • By Karmacat 18th Apr 18, 10:46 AM
    • 29,582 Posts
    • 170,248 Thanks
    Karmacat
    I'm too much in awe of what you accomplish, without sounding frazzled, to advise you not to do too much

    Great that you're getting rid of stuff you don't want/need any longer, and good for you for sticking to your guns about the granite - letting them install a piece that you can *see* is damaged is not what you want!
    Retired August 2016
    • greent
    • By greent 18th Apr 18, 10:50 AM
    • 7,231 Posts
    • 73,486 Thanks
    greent
    Am on a roll this morning - washing has been done and is blowing away on the line - it's sunny, too! Some of it may even be dry enough to iron soon Dw is now on (having retrieved numerous glasses and mugs from DS1's room) More items have been listed on fleabay : 2 boxes of paperwork (receipts/ gtees/ instructions) have been gone through to check all relate to current items (1 piece of paper recycled) DS3's room has been checked through and some missing pieces for some more fleabay-able things have been found. Some bits n pieces have been relocated to the garage (correct home - they are diy related) and bins have been emptied and sorted for recycling collection tomorrow Bank accounts all checked Just about to sort latest batch of filing (a bit of a large pile!! - haven't touched it this year due to flu/ kitchen/ general laziness! ) ready to do with a cuppa, and then I shall check washing for any dry items and do some ironing whilst catching up with H0lby
    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) £3290.25/£4000
    Net sales 2018 £613.49/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 18th Apr 18, 1:18 PM
    • 7,231 Posts
    • 73,486 Thanks
    greent
    Just have to record this here for posterity - there is absolutely NO ironing to be done here! - it's all up straight, including that produced from the washing done this morning (glorious weather means that it was all dry by midday) (And the only pending washing is a teatowel, 2 kitchen cloths and a pair of socks )

    (The ironing basket gets emptied quite regularly - but usually there is a load of washing drying, so it's only empty for a couple of hours or so - should be 24 hours minimum this time )
    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) £3290.25/£4000
    Net sales 2018 £613.49/£1000 PAYDOX18 (#15) Done £18918.90
    • brizzlegirl
    • By brizzlegirl 18th Apr 18, 6:53 PM
    • 326 Posts
    • 2,054 Thanks
    brizzlegirl
    Woohoo!! Heres to no ironing...
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29%May 25%June 15%July ] 2018 Income Goal £76/£750 August Goals: AFDs 7/25; Decluttering 05/60; LSDs xx/10; NSDs xx/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 18th Apr 18, 6:54 PM
    • 326 Posts
    • 2,054 Thanks
    brizzlegirl
    And agree with you re transferring DB pensions. It can be a mugs game. But FAs get hefty fees for arranging it. I am keeping mine where it is. Its not large but I suspect its best being left where it is
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29%May 25%June 15%July ] 2018 Income Goal £76/£750 August Goals: AFDs 7/25; Decluttering 05/60; LSDs xx/10; NSDs xx/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • Karmacat
    • By Karmacat 20th Apr 18, 9:40 AM
    • 29,582 Posts
    • 170,248 Thanks
    Karmacat
    With the amount of ironing you do, you must all look so good! I really admire that level of care
    Retired August 2016
    • greent
    • By greent 21st Apr 18, 6:18 PM
    • 7,231 Posts
    • 73,486 Thanks
    greent
    With the amount of ironing you do, you must all look so good! I really admire that level of care
    Originally posted by Karmacat
    Haha! - if only that was the case!! Sadly I'm extremely low maintenance other than with ironing!


    So..... in money news we've paid off OH's car finance (finally!) - 6 months early (yeay! - a small saving ) That leaves us with the BTL and 5k on a 0% CC (with more than 2y to run) (mainly kitchen related) Even though it has 2 years+ to run, it's my plan to clear it in 2018, so that 2019 sees us with just the BTL.

    Haven't got a clue what effect increased pension contribs/ increased tax allowances will have on our pay as yet - will see that in the payslips this week. However, the car finance was 'costing us' £550/ mth (£300 repayment and £250/ mth saving to repaying) so we'll be better off by this - although I am planning on putting £250/mth away in a S&S ISA (poss Vanguard Lifestrategy 40%) I'm actually in quite a positive frame of mind re money at the mo - I think getting rid of the car debt has really helped (I've been saying I've been going to do something about it for ages! - although putting £250/ mth aside to it for a year or so has obviously helped) Also - of course - this lovely sunshine makes everything so much better!

    Shifted some more stuff via fleabay this week - and some boxes (free) via fbook - all good
    x
    x
    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) £3290.25/£4000
    Net sales 2018 £613.49/£1000 PAYDOX18 (#15) Done £18918.90
    • Karmacat
    • By Karmacat 21st Apr 18, 7:34 PM
    • 29,582 Posts
    • 170,248 Thanks
    Karmacat
    Congratulations on repaying the car debt!
    Retired August 2016
    • shangaijimmy
    • By shangaijimmy 21st Apr 18, 8:20 PM
    • 2,776 Posts
    • 13,826 Thanks
    shangaijimmy
    Great progress in here, as expected. Onto the next challenge
    MFW: Turning June 2036 into March 2025... 41//120 Payments Challenge, Diary Reduction £44,136.86
    Aug 2009: £163,051 // Current: £91,863.15 // Avg Daily Interest £4.13
    MFiT-T4 #8 - 80.74% of £41,000
    • greent
    • By greent 22nd Apr 18, 7:49 PM
    • 7,231 Posts
    • 73,486 Thanks
    greent
    Where did the weekend go?!? Am sure it has whizzed past! Gorgeous weather, though - for the vast majority of it Some statement plants bought for the garden (too many £ at the GC!!), which OH has planted today - will hopefully look lovely A catch up with sister, nephew (gorgeous) and our aunt in town over a cup of tea Some general housework, some food shopping, a couple of other errands- and - poof! it's over! Am working every day this week, so I hope the lovely weather will be hanging around

    No money news - have been spending it, rather than paying it/ making it!

    x
    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) £3290.25/£4000
    Net sales 2018 £613.49/£1000 PAYDOX18 (#15) Done £18918.90
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