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  • FIRST POST
    • greent
    • By greent 26th Mar 10, 2:46 PM
    • 7,156Posts
    • 72,844Thanks
    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
Page 93
    • newgirly
    • By newgirly 8th Jun 18, 9:10 PM
    • 6,363 Posts
    • 43,984 Thanks
    newgirly
    Fanatastic (if expensive ) news greent, well done to your ds
    MFW 21
    Target for 2018 £40k/£13,632 paid so far

    Mortgage £36,319 4yrs left. Total owed £48,358 plan to clear in 14 months
    • greent
    • By greent 9th Jun 18, 4:49 PM
    • 7,156 Posts
    • 72,844 Thanks
    greent
    ££££££

    Picks self up off floor - £1220 to put DS1 on my insurance until renewal!!!

    To try and counteract that a little(! ) I have paid £30 to my CC (balance now under £1k - whoop!) from tcb and small fleabay sale

    I need £553 to take total BTL mtge down below £60k and £576 to take sub acct 1 (the one I'm concentrating on as it's end date is the soonest) below 55K. I could pay that off when rent comes in, but I think I'll do about half/ just over and definitely get it below next month (still awaiting a quote for some work, so still not keen to repay too much from BTL acct)

    Beautiful day here. Original forecast was dull and cloudy, but it is warm (windows and doors open, 3rd lot of washing just about to go on line) with blue skies and just some fluffy white clouds. I went on a helicopter ride earlier (Xmas present) for a fly above the city and the next town - views were brilliant. Not something I feel the need to do again, though!

    Busy week coming up - DS1 has 4 A2 exams. I'm working every day. DS2 has 3 exams x 3 days and then a trip to a theme park on Thurs. OH is working away as usual and DD needs to submit her dissertation proposal this week. DS3 has a school trip on Mon Oh - and Fri night OH and I are out at a concert at Westonbirt Arboretum - hopefully I'll be able to stay awake!!

    OH has now formally been offered an extension on his contract until end of Oct. Not likely to get one after that (unless just to mid Dec) as the 2 year rule would come in. Plus a lot of things are due to be finalised by end Oct. He is looking at taking it so I have suggested that - assuming he takes it - he takes off a full week every month to really get some benefit of R&R time, rather than odd days (so would mean working for 3 of the 4 months, in effect) - can spend some time doing nothing, some time going away/ out and some time doing house-y stuff. He does have a possible plan B in reserve, but that's dependent upon something else happening, and it wouldn't do so for several weeks yet.
    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • brizzlegirl
    • By brizzlegirl 10th Jun 18, 10:36 AM
    • 299 Posts
    • 1,812 Thanks
    brizzlegirl
    Blimey. Thats a tonne of cash!!!!

    Best of luck with exams. DD1 had a stinker last week. Really felt for her and the whole class (it wasn't just her) really. She also said there was a question which wasn't on the syllabus in another exam..I do wonder about the QA procedures at the boards sometimes....

    Hope you can find a sensible solution for the contract extension conundrum. A week off a month sounds a good compromise.
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29% May 25% June] 2018 Income Goal £76/£750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
    • greent
    • By greent 11th Jun 18, 4:28 PM
    • 7,156 Posts
    • 72,844 Thanks
    greent
    Thanks, brizzle - DS1 also had an exam last week where there was a question not on the syllabus - wonder if it was the same one? He had Biology paper 2 today - none of them (bar 1) liked the paper - this is from a couple of sets of bright boys who mostly struggled with a lot of it. The teachers hadn't seen the papers by the time I left for the day, so I'll be interested in what they have to say about it.

    OH has accepted the contract extension and is taking his first week off in the first week of July - I will have finished all the exam invigilating and we can take some time out - we'll also probably do a trip to Cardiff one day to DD's new flat to take a load of stuff over there so it's not cluttering up here over the Summer break
    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 11th Jun 18, 9:17 PM
    • 7,156 Posts
    • 72,844 Thanks
    greent
    £85 just claimed from tcb in Tesc0 vouchers Will make a corresponding pymt to CC
    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • michelle09
    • By michelle09 16th Jun 18, 10:35 PM
    • 790 Posts
    • 4,416 Thanks
    michelle09
    Ouch! At least DS gets to drive now? I thought ours was bad, but I won't complain now.


    When are all the exams over?
    • greent
    • By greent 17th Jun 18, 5:53 PM
    • 7,156 Posts
    • 72,844 Thanks
    greent
    DS1's A2 exams finish this week - he has 3 left - one each on Mon, Tues and Weds

    Exams finish for me on June 29th - I will have had one day off in the exam period - which is June 28th! However, I do enjoy it, but this year has been hard work with too many long days working straight through without a break.


    Very expensive month this month! - insurance for DS1 (yes, he is driving my car, but only with myself or OH also present at the mo), new guttering, decking (around £500), kitchen painting , electrician to locate and repair a burned out junction under the loft bedroom floorboards (), new iron - total spending on that lot over £3300!! Ouch!


    Aside from that, my CC balance is now down to the wonderfully low level of £140 - so that will be gone this month and I'll also pay Tax Cr people before the month end - meaning that we can then concentrate on the BTL/ build savings back up/ shove some more money into pension. BTL is now just under £60k (by about £2.50 )

    Went to a gig at Westonbirt Arboretum on Fri night - good weather, thankfully. Also we were lucky - the gig by the same act was cancelled for the following night under medical advice. Yesterday we went to a 60th bday do in the afternoon - lots of fun We spent the morning at Stroud Farmers Market - had forgotten how much I love it, not just for the wonderful produce, but mainly for the general vibe in the town - so relaxed and friendly Have resolved to go at least monthly.


    Right - time to test the new iron whilst dinner is cooking, methinks....

    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 19th Jun 18, 5:59 PM
    • 7,156 Posts
    • 72,844 Thanks
    greent
    Oooof! Beautiful evening here - sat here with French doors open I can hear the rowers training on the canal

    We had the guttering all changed yesterday (the house and the garage) Good price and looks great. They have damaged my big pear tree, though - 4 branches have been broken. There's no way that they didn't notice and I appreciate that the branches do go close to the garage, so I can see how it might have happened (but not all 4...) - however, it would have been polite to have mentioned it They trampled on some strawberries, too. (although I am bored of picking and eating strawberries now!)


    Last A2 paper for DS1 tomorrow. He didn't like today's (stats) and didn't finish it.


    Talking of exams, the provisional timetables for next Summer's GCSE and A2 exams are in - dates have been moved forward for A2s (starting before half term) so it's all a bit of a squeeze. Means we end earlier, but it will be a challenge getting it all done and keeping any sanity!

    DD has gone back to Cardiff for a few days - she's seeing Ed Sheeran and also tidying/ cleaning the flat, ready to hand it back to the lettings agents this weekend - we shall go over on Saturday to collect her and the remaining items (all kitchenware, bedding, a blanket box and some random bits)Next year's flat is - she assures me! - nicer than this one (can't be worse!)


    Oooh - new iron is very efficient. Not sure I'm a fan yet, but it's certainly speedy
    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • Moneyfordreams
    • By Moneyfordreams 20th Jun 18, 11:23 AM
    • 1,024 Posts
    • 4,995 Thanks
    Moneyfordreams
    they certainly should have mentioned it and apologised for there lack of care.

    I remember last year picking our DD2 up from the south , it was so emotional ..... she keeps threatening to go of again to uni, somewhere , Swansea, Dublin, who knows
    Mortgage restart June 2018 £119950
    zero personal cc
    6x166 for sofas ending November 2018
    £2500 on DD1s car cc
    • greent
    • By greent 2nd Jul 18, 4:46 PM
    • 7,156 Posts
    • 72,844 Thanks
    greent
    Whoop! Work is over now until a couple of days in September

    Life feels like it has been put on hold somewhat, so I feel I can try and catch up a bit now I have done 3 hours (!!!!) of ironing today - there's probably about another 2 hours worth left! I've been getting DD & DS1 to put it away. Will tackle the rest of the house throughout the week.....

    We finally had the skirting boards fitted in our kitchen today (was a freebie, so we had to wait) and they look lovely. It was meant to be painted last Friday, but I've rearranged that in view of the boards being fitted today. Am hopeful, though, of the kitchen being totally finished by the end of this month!!


    DS1's exams finished almost 2 weeks ago and he had his leavers' dinner last Friday - which cost me a new suit, shirt, tie & shoes! He looked very smart, though - and I think he enjoyed the evening overall

    Am loving the chance to finally get to enjoy some of this fantastic weather! How wonderful! The garden is suffering (our water butts have totally run dry) but I'm not complaining

    Oh - in money news, last week the last 0% CC and the bill tax credits sent us - so our only debt now is the BTL, so all focus is now on there. Have managed to pay £50 to it today from flebay/ cashback/ a5da priceguarantee vouchers used I need to pay about £200/ mth to it to meet my 2018 OP target, and I'm confident that that will not only be achieved, but exceeded (unless we have a major, major disaster)

    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 2nd Jul 18, 5:10 PM
    • 7,156 Posts
    • 72,844 Thanks
    greent
    Half Year Review of 2018's Targets......
    (Nothing really new for 2018 - it's a take stock, get rid of debt kinda year and then re-assess after that. Biggest change will be if DS1 goes off to uni, which he is really looking forward to )
    • Make memories together - good ones! - Definitely a keeper - we've had family games continue, a day trip to Leg0land (financed by CC vouchers), meals out, a day to Slimbridge with smalls, clearing student flat with DD (and finally meeting her bf's dad ) and DS1 survived A2 exams, DS2 has almost done his first year of secondary school OH and I went to Westonbirt to see Billy Bragg, Paul Heaton & Jackie Abbott. (Also meant to see Tears for Fears earlier in year but their tour was cancelled) (
    • Little jobs which need doing around the house - spreadsheet to be updated over Xmas hols and timescales decided upon. Some of these will be achieved along with kitchen, as we've asked tradespeople to do the small jobs along with the kitchen job. Definitely want more progress on this in 2018 than in 2017! Ideally I would like to achieve something and update the list every month - as well as kitchen, we've had our shower fully replaced/ new tiling, 2 radiators elsewhere in house changed, guttering changed (after a large piece fell off in a storm!), an electrical issue with landing and hallway lights sorted, an electrical fault found under flooring and rectified (thankfully no damage). Need to update s/sheet and see what we can achieve in 2nd half of the year
    • Kitchen remodel - now delayed (by kitchen co) for a couple of weeks. However, I want it in essence done by my bday (early March) and properly finished by end of April. We have most of the money in an account, but anything which gets put on 0% CC to be repaid in 2018 - kitchen done, except for painting the walls- money has been set aside for this. Anything that was put on CC has now been repaid in full
    • Tackle various bits of debt (eg: OH's car loan, possible tax credits overpayment, 0% CC debt) - would like it ALL gone by end of 10/18 - ALL gone by 06/18
    • Carry on supporting DD through Uni, DS1 through the end of VIth form and hopefully start of Uni, DS2 through the rest of his first year at secondary school and (towards the end of the year) DS3 in starting to prep for 11+ test - DONE - except for DS3 prep. His test isn't until 09/19, so will start gentle prep over Summer
    • Continue to declutter - Marie Kondo style Mostly done except for the continual ongoing things needed. I want to re-gain a calm house (*most* of the time) I'd like to achieve 2018 items in 2018, but I'm not sure I can (am almost at 2017 in 2017 though! ) - abandoned keeping tally after laptop failed and lost my list. However, lots has left and more will leave (children's rooms!) over the Summer. House is not very calm after the exam season, but am hoping this week will see it a lot of the way back.....
    • Make £1000 from surveys/ selling unwanted/ unused/ unloved items discovered during decluttering! - currently at £542, so on target
    • Pensions - have made a start on this. 2018 will see us increase our contributions to co scheme (and co contributions are also increasing - both ahead of what the minimum requirements are) and probably an appointment with an IFA to gain a better understanding of what our options with our old pensions are - saw an IFA, and we have put on hold any ideas re our old DB pensions for now, but will continue to review occasionally. We now each pay in 10% to current co scheme, and co pays in 15% and we may increase that again before the year end. Other investment plans on hold for a couple of months whilst we figure out what OH might be doing - but money is being saved to a separate account in the meantime
    • Lose 2 dress sizes - no action taken whatsoever....
    • Review all finances to ensure current needs being met in best possible way and also set up a targeted savings plan come end of year - it tends to be a bit ad-hoc at the mo, and we could do better - some improvements made, but could probably still do better, however, I have been focussing mainly on slaying the debt. Now that's gone I can look at the wider picture
    • Ensure Co accounts and personal tax stuff submitted to accountant promptly again - Co accounts submitted - just waiting for any queries to come back. Still need to send personal stuff (kept it for student finance forms) - will submit this month
    • Carry on targeting BTL IO mtge - target for 2018 is £4000 reduction - ahead of target at 2772/4000 at the mo - pleased with this
    • A family holiday and maybe even anther night away just OH and myself - nothing arranged yet...!!!8230;...
    • Continue with simplified life. - I will be resigning from the 2nd invigilation job - I've only done £100 worth this Summer and it's not worth the mental switching between the 2 schools.
    • Health - I need to get fitter. My shoulder is much better than this time last year. However, I have lost a lot of cardio-type fitness in the 2nd half of the year and need to get this back up - and actually finish c25k this year! - I did some soft tissue damage to my left foot in Oct (which hurt until around March), followed by a bad break of one toe in Feb. Also had flu/ chest infection for 3 weeks in Jan, followed by anaemia (probably as a result of not eating properly with flu) Have just sent off questionnaire for Body Coach (I had a free plan offered after doing it last year) to motivate me again
    • The garden -make it so that we enjoy spending time in there Ultimately (but definitely not in 2018!!) I would like it re-hard landscaped and remodelled as it needs it. - OH has started building a deck at the top where we used to have a broken small patio. Weather is not conducive to continuing with that at the mo, but it'll get there! We have some pretty pots planted up, and the patio will be jet washed this month/next month (waiting for some rain, or I'll feel guilty as the water usage!) We have had a couple of BBQs and eaten outside more, though
    • Count my blessings each and every day - I like thinking at the end of the day about what I am thankful for - Yep. Some days are easier than others, though!
    Last edited by greent; 07-07-2018 at 7:48 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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 6th Jul 18, 6:47 PM
    • 7,156 Posts
    • 72,844 Thanks
    greent
    Ooof! First week of no work after the exam season and it's flown by! The weather has been gorgeous all week (currently 29 degrees at 6.30pm!) I haven't really been out in it (I burn far too easily to go out for long) and the garden is suffering massively - but it's glorious! I'm feeling headachy today, though - I don't think I've drunk enough, so am remedying that now

    This week has gone something like this: give blood, go to visit sis to find she'd forgotten (despite only arranging the previous evening....) so catch up over a cuppa with her mum, lunch out with invig colleagues, lots and lots and lots and lots of ironing, housework (aided by DD & DS1), shopping for some house bits (such thrilling items as a new laundry basket for the boys' bathroom), tidying and inventory-ing the freezer, and catching up on missed tv (whilst ironing) Not a bad week Oh - and bestie and her hubbie came here for the evening as well

    Am looking after nephew tomorrow (almost 9 months) - he's just started crawling a couple of days ago I think I've forgotten how to entertain a small child for that length of time! OH and DS1 are away on a uni open-day trip, but DD, DS2 & DS3 are here DS3 is very excited at it (the reality may be somewhat different to how he envisages the day going! ) Nephew is a totally cutie, though, with the biggest blue eyes ever

    Not much else is happening really - it may be start of the month, but I've already skinted us by clearing the last of the debt at the end of last month! I think it'll take a few weeks for me to catch up with myself there, but so worth it to have it gone
    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • smallholdingsister
    • By smallholdingsister 7th Jul 18, 6:45 AM
    • 3,601 Posts
    • 30,208 Thanks
    smallholdingsister
    I love Westonbirt you lucky thing.
    • CathT
    • By CathT 7th Jul 18, 7:33 AM
    • 5,622 Posts
    • 39,222 Thanks
    CathT
    Great update greent.

    Always so much happening over here!
    June 2018 -
    part 1 - £77,571
    part 2 - £45,272
    Total - £122,843
    • newgirly
    • By newgirly 7th Jul 18, 8:10 AM
    • 6,363 Posts
    • 43,984 Thanks
    newgirly
    Brilliant update on what you have achieved so far this year greent
    MFW 21
    Target for 2018 £40k/£13,632 paid so far

    Mortgage £36,319 4yrs left. Total owed £48,358 plan to clear in 14 months
    • Moneyfordreams
    • By Moneyfordreams 7th Jul 18, 8:21 AM
    • 1,024 Posts
    • 4,995 Thanks
    Moneyfordreams
    Good luck with the baby very hard work
    Mortgage restart June 2018 £119950
    zero personal cc
    6x166 for sofas ending November 2018
    £2500 on DD1s car cc
    • greent
    • By greent 10th Jul 18, 6:30 PM
    • 7,156 Posts
    • 72,844 Thanks
    greent
    Well we had nephew from 9am - 10pm on both Sat and Sun - was shattered! Too hot to do too much! Very cute, though, and all of my 'babies' loved playing with him

    Took DD back to uni city today - keys to new flat collected and took all the kitchen stuff with us, along with bedding etc. Nicer than last year's flat, although desperately trying to figure out where she can put some shelves (she and bf are both English students, so lots of books for pleasure as well as study!) She and he are staying there for a few days, coming back on Sat.


    No real money news in last few days. Signed up for ICE rewards with mastercard, and will get OH to do the same later - should get us £20 in M&S, which I'll use towards school uniform (hopefully shouldn't need to buy too much this year) and pay matching amount (when spent) to mtge Pretty much the quiet time of the month here now - next 'excitement' will be when rent comes in, and I can OP some more

    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • Karmacat
    • By Karmacat 10th Jul 18, 9:31 PM
    • 29,464 Posts
    • 169,163 Thanks
    Karmacat
    Well done on coping with a 9 month old baby! You have experience, of course, but still



    And thank you for mentioning ICE - completely forgot to do it, so I've just signed up now, with 2.5 hours to spare
    Retired August 2016
    • greent
    • By greent 12th Jul 18, 9:44 AM
    • 7,156 Posts
    • 72,844 Thanks
    greent
    Glad my comment reminded you about ICE, Kc

    Current accounts are now looking healthier as OH's expenses have been claimed/ Paid Small payment made to mtge, as some cashback claimed from tcb in Tesc0 vouchers (higher bonus % than Amaz0n) so a rounded-up equiv paid as OP

    Today is the first day with no work for me (and no appointments) and no OH at home (whether wfh or off work) for a few weeks- I miss my 'me' time! My plans are super exciting - ironing to catch up tv, some tidying and visit a supermarket or two! Oh - and get all the tax paperwork in a pile ready to take to accountant next week. And peace and quiet for a few hours!
    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • apple muncher
    • By apple muncher 12th Jul 18, 9:58 PM
    • 7,480 Posts
    • 56,351 Thanks
    apple muncher
    Hope that your day panned out as you hoped and that you had your 'me time'.
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
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