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  • FIRST POST
    • greent
    • By greent 26th Mar 10, 2:46 PM
    • 7,435Posts
    • 75,385Thanks
    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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
Page 95
    • juliejim
    • By juliejim 5th Aug 18, 4:33 PM
    • 7,574 Posts
    • 151,579 Thanks
    juliejim
    Have a great holiday greent
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
    • chumpy45
    • By chumpy45 7th Aug 18, 12:44 PM
    • 354 Posts
    • 1,554 Thanks
    chumpy45
    Hi Greent, hope you have a fab holiday. Am just back on the forums after a long absence so catching up with everyone's diaries. Hope you and yours are well. I always love reading your diary.
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017; :) 06.08.18 £24,769.47 New Target Date Sept 2020
    • greent
    • By greent 12th Aug 18, 8:19 PM
    • 7,435 Posts
    • 75,385 Thanks
    greent
    hope you have a lovely holiday
    Originally posted by Moneyfordreams
    Thank you, mfd! x

    Have lots of fun in Center parcs greent!

    (We're going to the Woburn Center Parcs with Mr Julicorn's family next month, and I'm crazy excited. I think last time I went to one must have been 15 years ago, and it was always so much fun when I was little!)
    Originally posted by julicorn
    Thanks, julicorn - it was great! 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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 12th Aug 18, 8:21 PM
    • 7,435 Posts
    • 75,385 Thanks
    greent
    Have a great holiday greent
    Originally posted by juliejim
    Thanks, juliejim x

    Hi Greent, hope you have a fab holiday. Am just back on the forums after a long absence so catching up with everyone's diaries. Hope you and yours are well. I always love reading your diary.
    Originally posted by chumpy45
    Thanks, chumpy - and welcome back! I've got your diary open in another tab, so I'll catch up on that (and lots of others!) later or tomorrow We are all good, thanks 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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 12th Aug 18, 8:40 PM
    • 7,435 Posts
    • 75,385 Thanks
    greent
    So... Woburn CP.... I really liked it - you can tell it's new - although I understand Longleat has been re-vamped, especially the swimming complex. The pool at W is much smaller, but - then again - you don't really do actual swimming when at CP - most people only go in it for the waves I liked the rapids (although by Friday they were no longer that fun - they hurt too much by then!) and we often went down them as a full family of 6 The lazy river was fun for the first dozen or so times...!!!8230; Kids loved the big slides.

    We went swimming every day, usually for around 4-5 hours and sometimes evening swimming too. Other than that we did bowling and the 2 eldest boys did crossbow shooting - and both were really good (DS1's scores were 27/30 and 28/30 and DS2 19/30 and 27/30 (he needed more time to work it out)) They really enjoyed it. We had one lazy morning in the lodge and that was it - most of the time we were out. Pretty forest, with visitors on our patio area every morning of partridge and squirrels and various small birds. OH and the eldest 2 boys saw pheasants too. We didn't eat out (previous experience is that food is ok, but not worth the money for 6 and finding 1 place that everyone likes something is always a challenge... and service tends to be slow) - but we did make 'nice' food to eat in on an evening. We also saw Charl1e Br00ker and his wife K0nn1e Huq there on the Friday We left just after 3 on Friday afternoon and were home (after some diversions and traffic) by 6pm - first load of washing was in the machine and on by 6.15

    We really enjoyed ourselves - mentally relaxing, if physically exhausting at bits! Was made even better somehow by it being a late booking - not much build up time to it.

    Yesterday was washing, ironing and food shopping (and putting stuff away ) Today was a late start and then we have been wallpapering a friend's lounge - will finish it next weekend (Late start and aching muscles aren't conducive to a long day of wallpapering!) - there is a natural stopping point in the room, so that's fine. I know our friends really wanted it done, but they asked us to do it today, we didn't offer and the timing after being away (they knew this) wasn't the best. They can still put half of the room fully back together this week

    This week is results day.....!!!! Enough said about that for now!

    Other plans for this week - finish getting the house back straight (ish - it is the holidays!), list a couple of bits on t'bay and fb00k, book a haircut for me, book having my eyebrows done, take DS1 & DS3 to barbers, book appointment to go school shoe shopping (ouch! £) and that'll do for definite plans at the mo. DD is off to Cardiff on Weds for an unknown period of time to stay in her new flat with the boyf. They can measure some spaces for a couple of items they need to see what'll fit.

    Hope everyone is having a lovely weekend. Am slowly catching up on diaries 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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
    • julicorn
    • By julicorn 12th Aug 18, 9:40 PM
    • 362 Posts
    • 1,282 Thanks
    julicorn
    That sounds awesome, great to hear you had a good time at CP

    We also saw Charl1e Br00ker and his wife K0nn1e Huq there on the Friday
    Originally posted by greent
    Haha wow, my husband would have lost it!
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Current: £189,600
    • Karmacat
    • By Karmacat 12th Aug 18, 10:18 PM
    • 29,863 Posts
    • 172,543 Thanks
    Karmacat
    Good grief, you're back at full tilt straight away and thats *very* good of you to wallpaper a friend's room. Wow
    I'm glad you had such a great time away
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Busy Mee1
    • By Busy Mee1 13th Aug 18, 7:06 AM
    • 691 Posts
    • 3,200 Thanks
    Busy Mee1
    Sounds like a fantastic break at CP GreenT and very good of you to do the wallpapering for your friends !
    • apple muncher
    • By apple muncher 13th Aug 18, 7:56 AM
    • 7,803 Posts
    • 58,908 Thanks
    apple muncher
    How's your shoulder?
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 31 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (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 13th Aug 18, 9:42 AM
    • 7,435 Posts
    • 75,385 Thanks
    greent
    That sounds awesome, great to hear you had a good time at CP


    Haha wow, my husband would have lost it!
    Originally posted by julicorn
    My husband may have followed CB when he first spotted him at a distance to see KH.....

    How's your shoulder?
    Originally posted by apple muncher
    A little sore, apple - thanks for asking. Not too bad, though, and it's my left one, so easier to avoid using in general (although obviously not when wallpapering! )

    OH and I actually don't mind wallpapering. I intensely dislike painting, though! And they are our besties (I met 'her' the first week of secondary school back in Sept 1981 )

    I've been up since 7am, but am still sat in PJs - have been catching up on here/ blogs still (I only took my phone, not laptop, with me to CP - and didn't use it for browsing so had a sort-of tech break (I did check I'd received a couple of important-ish emails at the start of the week, but other than that only used my phone as an alarm the 2 times we needed it) I have made a batch of rocky-road-esque stuff, which is now setting in the fridge and done a load of washing - which is still sat in the machine waiting to go out on the line. I shall make some dough for bread (need both white and brown loaves) and then I suppose that I really should go and have a shower and get dressed whilst it's on its first prove
    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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 13th Aug 18, 8:39 PM
    • 7,435 Posts
    • 75,385 Thanks
    greent
    A day of bits n pieces here, I guess. Made the rocky road-esque, 2 loaves and a big pot of ratatouille (gifted loads of hg toms and courgettes by my mum) Added a small chicken breast to part of the rata and then OH and I had that for dinner tonight with rice/ fresh bread (he won't eat it unless it has meat in!) Rest of rata in fridge ready to figure out whether I want to eat some tomorrow of freeze it (OH staying away tomorrow night)

    2 loads of washing dried on line - and then it started bucketing it so will dry last load on heated airer (is usually in DD@s accom, but is living here over summer hols ) IT ahs stopped raining now, but I'm not hanging it out now Will do some ironing once I have smallest 1 in bed.

    Smallest 2 did some tidying/ sorting in their bedrooms today with help of bigger ones - about a waste paper bin of rubbish/ recycling removed from each room as a result. Small steps!

    Am debating about 'investing' in a soap tray for our shower. We're coming to the end of our (my) shower gel/ bubble bath stash but do have lots of bar soaps (even after giving literally dozens to foodbank/ shoebox appeal and using them to make laundry gloop all the time) I'm thinking that spending £2 on a cheap one should pay for itself in soap usage as opposed to buying more shower gel (I have some 'nice' stuff on my Xmas list). I do already have soap dishes - but they are the sort to stand on a sink back - I saw Mata1an have the ones with suction things to attach to walls for £2, so I could stick that in the shower (I have absolutely no desire to drill holes in the tiles, so only want a temporary type one) I'd really like the space back from all the soap too! - most of what I have left has expired use by dates on, so can't be given out by foodbank/ shoebox appeal etc but is clearly still usable!

    Oooh - have booked the appointment for school shoe shopping..... argh! May have promised the smallest 2 a McDs afterwards..... I'm not above bribery!

    Right - time to get smallest to bed, 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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
    • apple muncher
    • By apple muncher 16th Aug 18, 6:47 AM
    • 7,803 Posts
    • 58,908 Thanks
    apple muncher
    Fingers crossed for ds1 today x
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 31 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (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 16th Aug 18, 8:18 PM
    • 7,435 Posts
    • 75,385 Thanks
    greent
    Thanks, apple. The boy did well - an A and 2 x B grades. He is going for a remark in the one subject, as he is 5 marks off an A grade and his teacher thinks its likely to go up (appears to be quite a history of re-marks on the sci subjects finding extra marks...) He is 3 marks off an A on the other, but the teacher doesn't think a re-mark is worth it as it's maths, so rather more black and white. Whatever, I am super proud of him and his hard work!

    Nand0s for dinner as a result (exam boy's choice) - yummy, but I am now stuffed!
    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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
    • Karmacat
    • By Karmacat 16th Aug 18, 8:24 PM
    • 29,863 Posts
    • 172,543 Thanks
    Karmacat
    Congratulations to ds1
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • apple muncher
    • By apple muncher 16th Aug 18, 8:45 PM
    • 7,803 Posts
    • 58,908 Thanks
    apple muncher
    Well done ds1! What are his plans for next year?
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 31 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • julicorn
    • By julicorn 16th Aug 18, 10:09 PM
    • 362 Posts
    • 1,282 Thanks
    julicorn
    Congratulations to your son! You must be so proud
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Current: £189,600
    • greent
    • By greent 20th Aug 18, 9:02 PM
    • 7,435 Posts
    • 75,385 Thanks
    greent
    Thanks all! I am super proud of him As well as the 9 A2 papers he also resat 3 papers for his Maths AS level (having got a low C last year) and got a good solid A in all 3 papers!

    There's nothing which is available/ appeals in Clearing for this year, so he's going to apply for entry next year and also resit 2 papers of his Maths A2 (to hopefully get the 3-4 marks/ 5 UMS points for an A grade) We're awaiting the re-mark on Chem to see if that changes at all He's looking for volunteering/ a care/ health related job to boost his application and get some money! I've said I'll 'pay' him for any (relevant) volunteering to hopefully help the motivation - although obviously not as much as he'd get with paid employment!

    School shoe shopping has been done - although I still need to get DS2 some casual/ home trainers £195 spent on footwear for DS2 & DS3 so far.... Thankfully, uniforms themselves should not require much spending. I've bought them both some more school socks (M&S using vouchers/ gift card) and swapped out DS3's outgrown trousers (will take to school for 2nd hand rail) for some outgrown ones of DS2 and one of DS2's friends DS2's trousers still fit (yeay!) DS3's polo shirts are ok, and I also have the next size up ones ready - same for jumpers for him. I've had to buy him a new PE top as school have changed them (grr)I need to check DS2's white shirts - I'm hoping that they a- still fit and b - look white! If not, that's easily rectified. His jumpers are ok, so it's then just his sports and rugby kits I need to check (have already purchased new mouth guard (almost £50!!!!) and rugby boots and white PE trainers (inc in previous spends) Part of the problem that I have with him is very narrow feet (a low D) with a very narrow heel, so lots of styles slip off. (DS1, on the other hand, has mole feet - shaped like a spade and a 'H' width fitting!) Other than that, I had to buy DS2 a new backpack and DS3 a new lunchbag - both of which were reduced - yippee!

    I'm getting DS1 to go up into the house loft (above family room) tomorrow and get boxes down - shall see if anything is suitable for DS2/ DS3 before re-assessing their Autumn/ Winter wardrobe I don't have much up there now and just usually get DS1 to get the boxes twice a year (seasonal changeover ) I don't make them wear a hand-me-down if they don't like it (and I don't pass shoes/ trainers/ socks/ underwear down)but it's definitely worthwhile from a moneysaving point of view

    Ooh - and OH and I are off to Vienna (without any children!) next week! :
    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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 21st Aug 18, 3:59 PM
    • 7,435 Posts
    • 75,385 Thanks
    greent
    So I've just helped DS1 fill out a job app for a NHS apprentice HCA. Not that I necessarily expect him to get it, but it's a start. I've also got him filling out an app form for volunteering at the local care home and another apprenticeship for a care asst at a care home. Let's see how it all goes...

    Finished sorting DS3's uniform out earlier (OH just needs to swap some socks for me - although worst case scenario is that DS3 has school socks already, I just wanted more as he's very 'hard' on his socks. Have named new PE stuff and just need to check trousers/ polos and jumpers still have visible names in. Still need to do DS2 - neither of us can seem to summon up the required enthusiasm/ energy!

    Sold a small bag of DS3's clothes on fb00k this morning - so small OP made to match

    End of Aug/ start of Sept is expensive - 2 x car tax, 2 x MOT and 2 x Winter service... (I always get my service done same time as MOT) Eeek! And I'd best book my car in sooner rather than later, as its MOT is due a full fortnight before OH's. Fingers crossed that neither end up needing any significant work...….
    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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
    • chumpy45
    • By chumpy45 21st Aug 18, 8:58 PM
    • 354 Posts
    • 1,554 Thanks
    chumpy45
    A little late, but many congratulations to DS1, a fantastic achievement. You must be very proud. Ouch to all the "back to school" stuff, this will be my last year of buying school uniform as DS4 goes into Yr11. Mixed emotions. A child free holiday with OH - that sounds fab. I think we have managed that once in almost 25 years Have a fantastic time.
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017; :) 06.08.18 £24,769.47 New Target Date Sept 2020
    • greent
    • By greent 22nd Aug 18, 7:15 PM
    • 7,435 Posts
    • 75,385 Thanks
    greent
    Thanks, chumpy - I'm super, super proud of him

    Will DS4 not require uniform for 6th form? My youngest is 9, so just about to go into Y5 - can't wait for him to finish primary, I have to say - I've done 16 years at primary so far, and I'm SO over primary stuff now!

    Child free hols with OH - when we only had 2 children we once managed 2 nights away and my mum looked after DD & DS1. Last year OH and I had a night in London and DD (then 19) looked after DS2 (then 11) & DS3 (then 8) (DS1 was away with army cadets) and my mum came down in the day and got them a takeout. Other than that - nope! I know people who regularly (once a month) manage to hand their children to grandparents from anything from a night to a week away- although I suppose the majority only have 2 children!


    DS1 has had the results of the re-mark on his chem paper - 4 marks were found - so he is now just the 1 mark short of an A grade - argh!!! We are therefore going to request the 3rd paper is re-marked. There are 23 marks on that paper which he didn't get - hopefully he will have actually written 1 of them down to move him up a grade! Annoyingly so close! And if he doesn't get any more marks (or even of he lost a couple, which is theoretically possible) his overall B grade won't change. Nothing ventured, nothing gained.....
    Last edited by greent; 22-08-2018 at 11:54 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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
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