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

Welcome to the MSE Forums

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

Search
  • FIRST POST
    • greent
    • By greent 26th Mar 10, 2:46 PM
    • 7,513Posts
    • 76,249Thanks
    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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
Page 97
    • newgirly
    • By newgirly 9th Sep 18, 9:09 AM
    • 6,508 Posts
    • 45,302 Thanks
    newgirly
    Wow that's great news greent, I hope you get too spend some time together before he leaves, it is short notice
    MFW 21

    £77,580
    • jodles16
    • By jodles16 9th Sep 18, 4:24 PM
    • 1,369 Posts
    • 4,154 Thanks
    jodles16
    What wonderful news for DS! So glad you had a wonderful time away as well, Vienna always looks beautiful! Great that DD has also got herself a lovely flat and job!


    Jodles
    MFW2017 #29 1200.24/4524
    MFiT #66
    Overall aim 10,124.20/21,743 (£156,000)
    2016- Jan-£177,472, Apr-£173,195.04, July- £171,417.47 Oct- 169,366
    2017- Jan- 167,347.80 Apr- July- Oct-

    • brizzlegirl
    • By brizzlegirl 9th Sep 18, 4:27 PM
    • 401 Posts
    • 2,661 Thanks
    brizzlegirl
    Just catching up after holidays and RL work and stuff....great he’s off to uni to do a course he likes. Envious he will be so close to my beloved Gower

    Also see you liked Vienna. So did we when we went a few years ago ...my favourite thing was swimming in the Danube in one of their amazing parks. Awesome.

    Have a great (but very busy!) week

    Brizzle x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • greent
    • By greent 12th Sep 18, 6:52 PM
    • 7,513 Posts
    • 76,249 Thanks
    greent
    Thank you all! x

    brizzle - we saw a park by the Danube - my aunt says that lots of events are held there We had a whistle-stop tour of everything, so next time we go we'll take our time with a few select places We watched a guy swim the width and back of the Danube - rather impressive!

    We are haemorrhaging money out at a rate this month - mainly in connection with DS1. We do have some things for him anyway, but are buying some other bits n pieces and have had to pay accom deposit and will also need to pay the rent for him each term and probably still have to top him up a bit (he gets the min maintenance loan) I'd rather he finds his feet and gets his head down than go job searching. Thankfully Swansea (and Cardiff) are both quite cheap for student cities : Agree that the Gower is beautiful - although often rather damp!

    In 2020 both OH and I will be 50 (well, he'll be 50 at the end of 2019, but we were in the same academic year) and it will also be our 25th wedding anniversary. We were looking at a cruise for just us for his 50th, but have now thought about the possibility of Disney in USA again...…. DD would have finished uni and either have been working for a year or have just finished her Masters(doesn't have to make a decision on that just yet) DS1 will be 2 years in to his degree, DS2 will be 14 and just finished Y9 and DS3 11 and just finished primary (finally - I will have done 18 years at primary by then!!) Not sure at this moment whether it is remotely achievably affordable (assuming we'd be paying for everyone, and it would be late July onwards, so peak school hols time....) but it would be lovely. My bestie is also 50 that Summer and has thrown into the mix that she and her husband may consider coming along..... (they have no kids)

    Anyway, moving on from that, we've managed to pay and extra 475 to the BTL this month - and that's before rent, which should mean I can pay another 390 minimum over too It's coming down... slowly

    Have been accepted on the RM survey thingy again - more free stamps! I still haven't used up all the ones from the first time I did it - and this will be the 3rd time! I usually send any flebay parcels via courier now - often cheaper than RM and tracking is free. Last couple of things I sent RM were disputed as being never received.....

    It's been a lovely sunny Autumnal day here - washing has dried nicely on the line. Good job too, really - I sent DD's heated airer back with her and am not buying DS1 one for this year, as the uni don't allow them in Halls. Sadly, most of our clothes as a family aren't tumble dryer-able (not that I'm a fan of the cost £££ of using tds) Am hoping it's like this for the rest of the week - DD is back tonight from a few days in Cardiff so will no doubt be bringing all her laundry homeand then OH gets back tomorrow night with all of his (plus Friday = white school shirt wash night + also rugby kit.....)

    Need to sort freezer out and see what I can offload onto the students when they leave - should mean lots of space for freezing the Autumn fruit glut
    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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • CathT
    • By CathT 14th Sep 18, 7:02 AM
    • 5,778 Posts
    • 40,504 Thanks
    CathT
    Wow so many changes for you all. Glad ds1 has found a course he wants and everything seems to have worked out well for him.

    Anniversary/birthday planning sounds great. I'm still mulling over CP so won't get any cruise/Disney ideas!
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • chumpy45
    • By chumpy45 15th Sep 18, 3:01 PM
    • 361 Posts
    • 1,603 Thanks
    chumpy45
    Wow just caught up on all your news. Belated Happy Anniversary and your holiday sounded fab. Also, many congrats to DS1. How exciting for him. I feel your pain in the" loss of your boy" it's so hard to let them go isn't it. I hope the preparations are all going well. Good luck
    with it all x
    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 01.11.18 £23,825.00 New Target Date Sept 2020
    • jodles16
    • By jodles16 16th Sep 18, 2:08 PM
    • 1,369 Posts
    • 4,154 Thanks
    jodles16
    Oh a cruise or Disney would just be amazing!! Is there any cruises that you could go to from disney? Do a bit of both? Mind you, could be even more expensive then!! I do love a holiday


    Great news about the OP of BTL, great stuff!


    Jodles
    MFW2017 #29 1200.24/4524
    MFiT #66
    Overall aim 10,124.20/21,743 (£156,000)
    2016- Jan-£177,472, Apr-£173,195.04, July- £171,417.47 Oct- 169,366
    2017- Jan- 167,347.80 Apr- July- Oct-

    • greent
    • By greent 17th Sep 18, 9:25 PM
    • 7,513 Posts
    • 76,249 Thanks
    greent
    Preparations are still underway - we've been sorting out online access to bank accounts today, and making sure all of his pre-uni reading has been done. Tomorrow the plan is to get everything in one place and sort it all - so check that all bedding is there and together, all kitchen items there and together etc. Then make a list of anything still needed to buy (possibly a couple of utensils and definitely some basic storecupboard items) and a list of last minute things to pack (chargers, toiletries etc) And then see where we are at that point! I've transferred a lump of money into his account - he seemed very pleased, until I pointed out that that had to last him until hopefully mid Dec!!!


    Other news - OH has re-hung one of the kitchen radiators after the painting - looks lovely. Unfortunately, the other is so heavy that he and DS1 damaged a bracket thing when lifting it. Looks like we may have to hang it on alternative style brackets, as the vendor says they don't do spare bits (it sheared apart) Ah well - it'll get done eventually! I'm not booking the annual boiler/ heating check until it is, though!

    On the subject of kitchen painting I've still not had the invoice - so that's a teeny weeny bit of interest being earned on the money in the meantime


    I need to reduce the BTL by around £980/ mth to fully repay by expiry. Have calculated we'd be about 22k short reducing it by an achievable £535/ mth (assuming int rates stay same/ we have no major letting voids/ major repairs) I figure that amount should be re-mortgageable at the time if we don't make it so am happy with that

    It's going to be very weird next week with the 2 big ones 'missing' and OH working away.....
    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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • Karmacat
    • By Karmacat 17th Sep 18, 10:07 PM
    • 30,036 Posts
    • 174,060 Thanks
    Karmacat
    That really will be different next week. And you have such a good age range with the four of them. Hope you get to hear all the exciting stories really soon
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • greent
    • By greent 18th Sep 18, 2:23 PM
    • 7,513 Posts
    • 76,249 Thanks
    greent
    Lots of organising of stuff today (although not yet finished)

    2 small flebay sales (of freebie items) overnight - monies rounded up and OP made to mtge Have been playing with spreadsheet. We only have a 'standard' OP going to the BTL of < £35/ mth (to keep balance on sub acct 1 at a round figure ) - all other OPs come from rent/ 'extra' monies. If I make £1500 more above standard OPs between now and end of 2018, the balance on sub acct 1 will be under 50k - that's quite exciting! I haven't been looking at super short term targets/ figures in goodness knows how long - I've been concentrating on what I can get it to by term expiry - however, some short term good news on there is rather fab!

    Have 2 more small freebie flebay items to list and a pile of stuff to list on fb00k marketplace - but will leave until next week, I think, as it's a bit busy with other stuff at the mo!

    Lovely blowy day here (after the horrid rain blew over) - 2 loads of washing flapping away outside! 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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • the cross rabbit
    • By the cross rabbit 18th Sep 18, 5:14 PM
    • 200 Posts
    • 1,162 Thanks
    the cross rabbit
    Hi greent thanks for your advice it spurred me into action.I've now registered for my course and applied to student finances. Hope your son enjoys uni
    CR x
    Mortgage £82,000, due to end July 2036. 4/11/18 Mortgage £79,872.13
    • greent
    • By greent 18th Sep 18, 8:49 PM
    • 7,513 Posts
    • 76,249 Thanks
    greent
    Hi greent thanks for your advice it spurred me into action.I've now registered for my course and applied to student finances. Hope your son enjoys uni
    CR x
    Originally posted by the cross rabbit
    Yeay! Well done, cr! 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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 22nd Sep 18, 6:09 PM
    • 7,513 Posts
    • 76,249 Thanks
    greent
    Well, my house is now lacking 2 children!!!! We took DS1 to his uni yesterday and installed him in his halls We were the first people in the flat (seven bedrooms) - so had the pick of the kitchen spaces Am disappointed in there only being 1 twin socket (which isn't *that* securely attached to the wall, tbh) in his room. Nipped to TEsc0 anyway, so picked up 2 extension things - 1 4m 2 socket one to run from the wall socket (also helpfully hidden down the side of the wardrobe) under his bed to the bedside drawers for his phone charger and toothbrush (no charging points in (shared, very cold) bathrooms) and 1 4 socket/ 2 usb points from the wall socket to the desk for printer, laptop, desk lamp (o combat gloomy ineffective ceiling lamp) Really not fussed on his accom (hasn't really changed since I viewed it 31 years ago as a prospective uni!!!) , but am sure he'll survive! Will be sending him a parcel in the week though with a couple of small things which we hadn't thought of and some others which will be handy (and we already have, so no need to buy more) - will be using my freebie RM survey stamps, so no cost! His flatmates seem to be incredibly shy - am hoping they come out of their shell a bit soon....

    Took DD back today to her flat - horrid weather for the journey. Thankfully we parked right outside and only had to take in food/ clothes/ books (although that filled the car!! ) Grabbed a quick snacky lunch for the 5 of us from Gregg5/ Tesc0 and tehn came back. Constant rain here all day and the house does feel a little chilly - will likely put the fire on in the living room this evening!

    House already feels different.... And fridge/ freezer/ cupboards are looking much emptier!

    A new normal (term time only!) starts from here.....
    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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • Karmacat
    • By Karmacat 22nd Sep 18, 7:04 PM
    • 30,036 Posts
    • 174,060 Thanks
    Karmacat
    Greent, how weird for you ... that's only today that you've taken DD back, so **technically** I suppose it's too soon to miss them, plus you're still doing tasks on their behalf, but I bet you *do* miss them. Hope you can have a nice cuddle with the littlies in front of your fire
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • apple muncher
    • By apple muncher 22nd Sep 18, 8:26 PM
    • 7,918 Posts
    • 59,973 Thanks
    apple muncher
    It'll be a very different dynamic in the greent household. Hugs x
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • newgirly
    • By newgirly 23rd Sep 18, 10:51 AM
    • 6,508 Posts
    • 45,302 Thanks
    newgirly
    Wow you will have a much quieter house greent, hope you are feeling ok x
    MFW 21

    £77,580
    • greent
    • By greent 23rd Sep 18, 4:45 PM
    • 7,513 Posts
    • 76,249 Thanks
    greent
    Thank you, karma, apple and newgirly It's different here already - just simple things like when I popped to Tesc0 I didn't buy things for them. The washing is less (well it will be once I've washed / dried/ ironed all their stripped bedding) and the dishwasher is emptier! I wouldn't necessarily see much of them on a weekend anyway. unless it was at mealtimes.

    DS1 went out last night and after a bad start to the evening (he left his d/licence in his flat, thinking his student ID and the wristband would be enough to get him in the venue - for some it was, for him, no - thankfully he got the bus there and back reasonably quickly and caught back up with the rest of them) he had a great time. Not a massively late night (1am ish?) and isn't having a late night tonight, as he has a 9.30 tomorrow morning (and also Tues and Weds mornings). He's planning on going out again on Weds night though!

    There's another lad in his flat who is on the same course, so that's at least a face they'll each know when the course induction starts tomorrow - even if they don't end up being proper friends

    DD is fine - as to be expected. She has 2 shifts at work this week, including a 6hr shift at a club night on FRi (finishing at gone 3am! - I don't envy her! )

    I have made a pot of chilli today using bits up from the fridge and freezer. OH and I will have it with freshly baked wholemeal/ seedy bread later, with HG pears poached in red wine and vanilla cream after - yum! The smalls don't like either of those things, so will be having something different (DS2 is poorly with a cold so has little appetite anyway) I've had a tidy/ sort of the fridge to make sure things won't get wasted and some bits have gone in the freezer as a result. I have several kilos of HG tomatoes frozen, so I forsee some soup making in the near future! I also have some ends of hm loaves frozen, so I shall do some chunky garlic-y croutons too

    It's definitely feeling Autumnal here - although today has at least had some sunshine, unlike yesterday! Much chillier, though - and the trees seem to have suddenly started turning. I've pulled up the Summer bedding and have some pansies to plant up in pots for some colour. We even had the fire on last night, and a few tealight candles lit too
    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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • Karmacat
    • By Karmacat 23rd Sep 18, 5:30 PM
    • 30,036 Posts
    • 174,060 Thanks
    Karmacat
    Sounds good, greent! Settling in is a long job for a first year ... I guess you need to be ready for some really late phone calls As for DD: ouch, I remember going to bed at 3am after finishing work at 9.30 and getting home at midnight, 20 years or so ago, but never finishing at 3am. Thats a *proper* night shift!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • greent
    • By greent 26th Sep 18, 10:46 PM
    • 7,513 Posts
    • 76,249 Thanks
    greent
    My view is at least it's a Fri night, Kc - so no lectures/ seminars to get up for Thankfully the walk to her flat from the SU takes literally no more than a minute!

    DS1 seems to be ok. Am sure he's a bit homesick (and missing his gf) but they are beginning to chat in his flat, and he's been on a couple of nights out (gotta get the money's worth out of that Freshers' wristband! ) It takes time....

    Have been getting rid of stuff this week - lots of recycling of paper, cardboard boxes, empty bottles form used up toiletries, cracked takeaway tubs.... Binned items include broken flipflops and a broken car racing track game. CS will benefit tomorrow from a large bag of kids' clothes/ shoes/ toys/ dvds and a couple of A level text books and a brand new (still with labels on...…) metal pudding basin. Whilst I love steamed puddings I find that doing them in the micro is much easier and more 'me'. This basin has been catching my eye every time I open that cupboard and this week I decided it had to go! I also donated a bag full of bits to the shoebox appeal (I tend to have an ongoing bag) and have shoved a few more bits in the foodbank bag.

    Have also been using up food - so much easier to see what's in the fridge/ freezer/ cupboards now that the students have half emptied them! Tomorrow I plan on making lentil and bacon soup and courgette and tomato soup and I found a bag of poorly stored rolls in the freezer (so they're falling apart) so I plan on turning them into yummy garlic-y croutons

    Lovely weather here this week (chilly first thing, but warms up nicely) - opportunity to get lots of washing done

    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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 30th Sep 18, 8:42 AM
    • 7,513 Posts
    • 76,249 Thanks
    greent
    Oof! Another month is almost gone! So much happened in Sept in a short space of time - at the very start of the month DS1 was applying for jobs and now he's at uni! Proper timetable starts this week - he's just had induction stuff so far. DD has only had re-fresher stuff too - signing up to a couple of things. First 2 shifts at her job completed and she found it fun (tiring, but fun) I have said that she is free to drop it if it's impacting at all on her studies. She finished last year with a 69 score - so a 2:1 - and I know she'd love to push that to an overall 1st if possible this year (so an overall score of 70+)

    Weather this week has been beautiful! Perfect for catching up on lots of washing It's meant to be a little more changeable this coming week, but I'm hoping to get out and vacuum all the falling leaves up (there will still be more to fall, but I'd like to make a start), harvest the last pears, plant the pansies I bought a couple of weeks ago ..... (I will need a trip to buy some more compost though) and prune back some bushes (ideally these things before Thurs, as that's when green garden waste bin is collected)

    BTL - we've overpaid £1584 this month (not entirely sure how we achieved that!!) so are well on the way to achieving our (increased) target of £7500 this year. I might scale repayments on it back a little next year if we decide to do a big holiday in 2020 - probably just ensuring I overpay 'excess' rental income and then all other stuff which would have been OPd can go to holiday fund

    House - well we had the kitchen painted 1 of the 2 kitchen radiators is now back up. The other had a fitting damaged when being lifted back on by OH and DS2 so OH needs to change fittings and do some filling/ repainting as necessary. I'm kinda hoping this is in the next couple of weeks max, seeing as it *is* going to get colder and all that.... We've also received a quote for some painting in dining room and hall/ stairs/ landing. I'm inclined to go for all of it, but not sure about OH. We need to decide soon if we are to have it done before Xmas though!

    Currently (as is usual) only DS3 and myself awake/ up at the mo. I'm going to wake DS2 up now - he has a lot of homework to get done today.....!
    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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
Welcome to our new Forum!

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

Forum Team Contact us

Live Stats

1,778Posts Today

8,530Users online

Martin's Twitter