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  • FIRST POST
    • themadvix
    • By themadvix 10th Mar 12, 9:51 AM
    • 1,719Posts
    • 10,056Thanks
    themadvix
    Finally I have a mortgage I can start to pay off!
    • #1
    • 10th Mar 12, 9:51 AM
    Finally I have a mortgage I can start to pay off! 10th Mar 12 at 9:51 AM
    Hi Everyone,
    Having been a long time lurker on this board whilst saving for a house deposit (you!!!8217;re all so friendly and positive that it!!!8217;s an inspiring place to !!!8216;hang out!!!8217;), my fiance and I completed on our first house yesterday!

    It!!!8217;s a three-bedroomed terraced house in Hertfordshire (hence the long saving period) with an 80% LTV mortgage of 132,999 with Natwest, fixed for 2 years at 3.79%.

    There!!!8217;s just the two of us (and our new two fish, Rosie and Jim, inherited with the house!), but I work from home, hence the need for a third bedroom as office space. We won!!!8217;t be moving in until June as the house needs some work doing and we!!!8217;re getting married in June so it seemed to be a sensible option (as we both currently live with our parents!!!8230;tragic I know in my late 20s, but nice mortgage rate as a result).

    Obviously with house needing work and a wedding looming, I don!!!8217;t expect to be making much in the way of overpayments for a while (but this won!!!8217;t stop me rounding numbers down or transferring small bits across). Another issue is that although DF is employed (and hopefully about to get a new job in the company ), I am self-employed and therefore my income varies drastically from month to month. However, I have built up a fairly solid client base over the last five years, and especially in the last year, so I hope that this will continue to improve and that I will be able to contribute to overpayments.

    DF is the spreadsheet nut, so I!!!8217;m hoping he!!!8217;ll get it set up for me so I can play with figures soon (although I have no idea what a pivot table is and am not convinced I need to know! ) We!!!8217;re already a very MSE couple having been saving for so long !!!8211; we cashback, do surveys, shop around, get the freebies that are relevant to us and have already (having gone to the house last night) established that if I!!!8217;m paying the energy bills we!!!8217;ll be living in a cold house! In all seriousness though, we are both on board with the idea of overpaying the mortgage - it just makes sense!

    So, for the moment this diary will be a place to record the small things I do as well as the little overpayments I make (once my mortgage shows up in online banking!). Once June has flown past and we!!!8217;re back from our honeymoon, I!!!8217;ll get a grip on income and expenditure and work out an SOA and how much we can regularly overpay.

    Vicky

    PS Long, long term, this isn!!!8217;t our forever home and one day we!!!8217;d like to build our own environmentally friendly home! But more of that in the future!!!8230;
    Last edited by themadvix; 21-11-2016 at 5:06 PM. Reason: Because I got the interest rate wrong!!
Page 41
    • Jessy103
    • By Jessy103 11th Jan 18, 10:51 AM
    • 525 Posts
    • 2,237 Thanks
    Jessy103
    Hope the funeral goes as well as can be expected MV. We watched Jumanji as well recently and really enjoyed it, I especially liked how they paid respects to Robin Williams' character from the first film.
    Original Mortgage Amount 2007 - 87,310.50
    Mortgage Amount Jan 2018 - 58,500.00
    Overpayment Target for 2018 - 5,000 /663.78
    Jan - 369.23 Feb - 294.55
    • themadvix
    • By themadvix 12th Jan 18, 10:11 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Morning all,

    Funeral went well yesterday, despite the minister going on a bit. The service truly captured what a kind, giving and gentle man my aunt's dad was. His widow looked well, which is good, as she had been suffering from problems while he was ill too - I suspect the stress of the situation hadn't helped.

    My Paddington goody bag arrived while I was out, but it was a bit of a disappointment. It didn't have a bear or even the DVD in it - a keyring and pin badge, which I'll ebay, a couple of bits for the Brownie lucky dip and a shopping bag which I'll keep (which I think is a good division of items).

    No work as yet today, although may get a few queries from a client. I have a long list of other things to do though - the housework seems to have been neglected a bit this week - oops! Brownies (and planning meeting) this afternoon.

    MS things:
    * PA finally cleared - 25 on its way to me
    * VB surveys done last night and poll done this morning - 7.20 now
    * Ate enough at lunchtime yesterday that I just had porridge for dinner, didn't fancy much else
    * SBing ongoing. Seems to have been a code this morning - don't think it's a swag code day, but I'll take all I can get. Surveys have been shoddy lately, so think I'll try downloading some more of the apps- it's a quick and easy way to reach the target each day

    NY resolutions:
    * 10k steps yesterday! Have signed up to a solo challenge to walk around NYC today, so that should keep me motivated. Will be interesting to see how many steps I do at Brownies too.
    * Kitty playtime was good last night - lots of running around for them for a change
    * Podcast and full 20 min yoga done this morning - all good!

    Gratitudes:
    * There was such a good turn out for the funeral yesterday - truly representing the life the gentleman in question lived
    * We sang the Scout Hymn, which was new to me (written by Ralph Reader, of Gang Show fame)
    * A chance afterwards to catch up with family

    Happy Friday All - I'm so glad it's the weekend tomorrow!

    PS Jess - I couldn't remember the first film, but DH filled me in about the tribute to RW - a nice touch!
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • ch4rly2002
    • By ch4rly2002 12th Jan 18, 10:40 AM
    • 358 Posts
    • 1,508 Thanks
    ch4rly2002
    I'm glad the funeral went well, it sounds like he was well presented in the service showing what a good person he was It's always nice to catch up with family, I'm just sorry it was under such sad circumstances.

    Well done on the Paddington win. Even though it wasn't what you expected, it sounds like it will still be good to pop on fleabay

    Looks like you're doing well with the MS things and NY resolutions - well done! I intend to start my resolutions when we move to the new house
    Savings: Aim 13.5k. Dec 2016 1,700 / Feb 2018 12,350
    Mortgage: Dec 2014 -216,000 / Mar 2018 -191,390
    BTL Mortgage: Dec 2014 -136,000/ Feb 2018 -123,400
    CC 0%: Nov 2016 -4,500 / Feb 2018 -3,368.27
    Loan to In-Laws: Sep 2010 -48,185.82 / Mar 2018 -30,065.49
    Student Loan: March 2011 -18,275.04 / April 2017 -14,003.85
    • themadvix
    • By themadvix 12th Jan 18, 10:46 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Spoke too soon about SBs - survey done, target reached... sorted!
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • Karmacat
    • By Karmacat 12th Jan 18, 11:57 AM
    • 29,312 Posts
    • 167,876 Thanks
    Karmacat
    Sounds like the funeral/memorial went very well - I'm glad for you, and for your aunt. Sometimes when a funeral gives "proof" like that, it can become an incredibly positive memory.

    Loving the SB - I wander on with them, trying this that and the other, and sometimes, to my surprise, it pans out but I'm not nearly as organised as I want to be Today, for instance, I've been rattling about on the Swago board, and to my surprise I've managed to fill in a whole strip (5 points or something ) but my daily goal is more important, and I'm not yet 25% there horrors !

    Complete madness but now I have to go play swagasaurus or whatever it is, which actually becomes quite addictive
    Retired August 2016
    • themadvix
    • By themadvix 15th Jan 18, 9:51 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Morning All!

    Thanks KC. The funeral was good. Re SBs.... I've got a bit of system going now - try to complete task list (difficult if there isn't a free Discover available), aim for goal either through survey complete or watching the videos/using video apps. Once I reach the first goal, I stop. (Might add a code later, or check for another survey). I only play the games if I'm desperate for the last few bucks! Don't forget to use up your spins from Swago - I always find they give me a few extras

    We had a good weekend; Saturday we did various bits and pieces around the house and Sunday we went for a long walk at an NT place not too far from us. Sunday afternoon we got on with stripping the wallpaper in the dining room (one of my jobs today is to book the plasterer to come and do the ceilings).

    MS things:
    * Almost a NSW - we did buy some (reduced) milk, coconut milk and Ibuprofen on Saturday, but all necessary and that was it!
    * Listed a couple more bits on ebay - one of the other items has sold (comp win) so will need to brave the weather to post it later (5 for a pin badge, I'm pleased with that!)
    * Took a packed lunch on our walk - there's a definite sense of smug self-satisfaction about being able to stop, spread the picnic mat and enjoy a hot cuppa on a hillside away from the madding crowd (even if said madding crowd then appear from around the bend and shatter illusions of isolation and peace!)
    * OP at 11.35, YG and NV surveys done
    * S&S and FOTG submitted on time

    NY resolutions:
    * Steps: Friday: 9499; Saturday: 11,997; Sunday: 15627 - very pleased with these figures. I've made a point of going for a walk (however short) for the last 5 days and it makes a difference, whatever the weather. I won't let the grim weather put me off today (and I have that pin to post)
    * Kitty playtime: the boys now appear hopefully whenever we go into the cupboard where their frenzy rods are kept! And are learning that it's more fun to let go and chase it occasionally! (This could be an expensive resolution as they tend to destroy the attachments quickly!)
    * Yoga and podcast - 5 min yoga completed this morning, but will do 20 mins this eve. Podcast done.

    Gratitudes:
    * Such a lovely walk yesterday - really helped to rebalance me
    * Colouring - picked up my colouring book on Saturday night and enjoyed the calm it gave me
    * Productive afternoon yesterday, despite walk - giving me the motivation and belief that we can get this decorating finished!

    Lots of work to do, so better get on. Happy Monday everyone!
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • ch4rly2002
    • By ch4rly2002 15th Jan 18, 10:06 AM
    • 358 Posts
    • 1,508 Thanks
    ch4rly2002
    The walk sounds lovely! DH and I are going to make our 'New House' resolutions as we missed New Year and have so much going on here, but we want to make some changes when we move. One is to do more walking so we're going to buy a season parking pass for Rufford Country Park (it has a lovely walk round a lake and old house, with a cafe) but I hadn't really considered looking at NT as I'm not sure what there is in Nottingham. I'll take a look and investigate what we will have on our doorstep down there. Have you found the NT membership to be worth it, and any tips on getting a pass (best time to buy or anything)?

    I love how you call them frenzy rods! Our boy loves catnip filled mice but they too don't last very long. If we clip his claws before giving him a new mouse it lasts *slightly* longer.
    Savings: Aim 13.5k. Dec 2016 1,700 / Feb 2018 12,350
    Mortgage: Dec 2014 -216,000 / Mar 2018 -191,390
    BTL Mortgage: Dec 2014 -136,000/ Feb 2018 -123,400
    CC 0%: Nov 2016 -4,500 / Feb 2018 -3,368.27
    Loan to In-Laws: Sep 2010 -48,185.82 / Mar 2018 -30,065.49
    Student Loan: March 2011 -18,275.04 / April 2017 -14,003.85
    • themadvix
    • By themadvix 15th Jan 18, 10:12 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Hi Charly!

    Love the New House resolutions - that makes perfect sense for you! Our NT membership is a product of growing up with one! There's very little around us in Herts, but we make use when we go to the Lakes and wherever we go, I try and find somewhere nearby. DH isn't keen on the houses particularly (he'll suffer them if I insist), but we make the most of the walking opportunities. From memory there's not a huge amount around Nottingham (BIL lives there), but I may not have looked very far out as if we go to visit for the day, it's plenty of driving as it is.

    Flying frenzies are specific thing, although I think over here they are technically sold as Purrs in Our Hearts - http://www.purrsinourhearts.co.uk/shop/. The ends are interchangeable and made from natural fur, feathers etc. (by-products or bits of sheep's fleece) - the boys' go mad for them!

    You're braver than me - I hate to think what the reaction would be to trying to clip their claws!!
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • ch4rly2002
    • By ch4rly2002 15th Jan 18, 10:15 AM
    • 358 Posts
    • 1,508 Thanks
    ch4rly2002
    Thanks MV, I'll take a look
    Savings: Aim 13.5k. Dec 2016 1,700 / Feb 2018 12,350
    Mortgage: Dec 2014 -216,000 / Mar 2018 -191,390
    BTL Mortgage: Dec 2014 -136,000/ Feb 2018 -123,400
    CC 0%: Nov 2016 -4,500 / Feb 2018 -3,368.27
    Loan to In-Laws: Sep 2010 -48,185.82 / Mar 2018 -30,065.49
    Student Loan: March 2011 -18,275.04 / April 2017 -14,003.85
    • try harder
    • By try harder 15th Jan 18, 10:51 AM
    • 787 Posts
    • 3,039 Thanks
    try harder
    Sounds like a lovely weekend and what an amazing amount of steps you did .
    • Karmacat
    • By Karmacat 15th Jan 18, 12:49 PM
    • 29,312 Posts
    • 167,876 Thanks
    Karmacat
    Great stuff on here I like the NT membership too, there's a few places round here, and a few here and there. Cat frenzy in particular ... happy sigh ...
    Retired August 2016
    • Watty1
    • By Watty1 15th Jan 18, 4:46 PM
    • 2,992 Posts
    • 21,300 Thanks
    Watty1
    My nsd may just have been broken by spending money on toys for kitten. Everytime I think about spending I think would it be better in my spotted hanky fund ..or ?? And every time till today the spotted hanky fund wins. Kitten needs toys
    Mortgage at start of diary Sept 2013: 132,995 Aug 2015 0
    Overpaid next mortgage. 79,491 down to 27152
    Changing focus for now
    • themadvix
    • By themadvix 15th Jan 18, 4:49 PM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Couldn't agree more Watty! (Sorry for leading you astray though!)
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • carolcarol
    • By carolcarol 15th Jan 18, 6:34 PM
    • 14 Posts
    • 238 Thanks
    carolcarol
    Well done! Mindset is the first thing to get right and you are well on your way. It feels insignificant at first just paying off a tiny bit more but with compound interest in reverse, magic things can happen! X
    • Kittenkirst
    • By Kittenkirst 15th Jan 18, 10:30 PM
    • 1,899 Posts
    • 10,199 Thanks
    Kittenkirst
    Awwww there!!!8217;s some happy kitties in mfw households this week
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • newgirly
    • By newgirly 16th Jan 18, 7:10 AM
    • 6,334 Posts
    • 43,793 Thanks
    newgirly
    Happy (very!) belated birthday
    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
    • themadvix
    • By themadvix 16th Jan 18, 10:09 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Thanks NewGirly! Kitten - does that mean you've ordered a frenzy too? Your boys will love it!

    Morning all!

    Feeling a bit peeved this morning as gift card code for Z00plus finally turned up from SB, only to discover on checkout that it expired on 1/1/18 (i.e. before I put in for it!). Have emailed SBs and hope to get a speedy conclusion - was/am waiting for the code before ordering the boys' special food. I don't really need the code if I can't use it for this order - it'll be ages before I order from them again. Hmm... not impressed. (I have already had an initial response however, whilst typing this.)

    Had a really productive day yesterday - focused and got all work finished and managed to do some wallpaper stripping. DH had diarised our (Youtube) yoga session, so we did that too. We do find that putting it in the diary means we stick to things (kitty playtime is in there - otherwise we'd just forget).

    No work as yet today, so just pootling on t'Interweb until I've had my cuppa and then must crack on with wallpaper, homework for evening class and the dreaded call to Sky about Internet and phone line. I detest it, but it's *so* worth it. We won't be staying with them unless we can get the bill down dramatically from what it's about to go up to. (I feel today may involve *some* procrastination!)

    It's lovely outside today, so I'll definitely be going for a walk too at some point.

    MS things:
    * Reached SBs target yesterday (much faffing required here too KC). It's pootling along in the background now too.
    * OP at 11.60. No PA surveys yesterday though. VB at 7.80
    * MS rewards done
    * Freezer meals tonight for dinner
    * Cancelled milk for tomorrow as not needed (but buying more expensive veg box this week, so probably cancelled out!)

    NY resolutions:
    * 9,600 steps yesterday - I just couldn't manage the last few (I think my jogging/walking on the spot next to DH was driving him slightly mad)
    * Kitty playtime, podcast and yoga done. Did a different yoga video - with some mega stretches in it - didn't realise my body would bend some of the directions (and it didn't in others! )


    Gratitudes:
    * A brief break in the rain meant I a) didn't get soaked walking to PO and b) got some fresh air
    * Glorious sunshine this morning
    * More colouring in colouring book - very soothing

    Have a good day all!
    Last edited by themadvix; 16-01-2018 at 10:15 AM.
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • themadvix
    • By themadvix 16th Jan 18, 12:44 PM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Sky - done! equivalent of 18.99/month for broadband, phone and eve and weekend calls. I'm very happy with that.

    Off for a walk in the sunshine with mum now.
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • Karmacat
    • By Karmacat 16th Jan 18, 2:10 PM
    • 29,312 Posts
    • 167,876 Thanks
    Karmacat
    That's a very good result with sky! Well done!

    And I'm all for happy/frenzied kitties
    Retired August 2016
    • themadvix
    • By themadvix 17th Jan 18, 11:51 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Morning (just) all!

    SBs haven't replied properly yet to my query about the gift card, so I've sent them another message. I also did a whole survey (75 SBs) and then was told I didn't qualify.... so I've messaged them about that too. None too impressed today.

    Have plenty of work to be doing, however, and I need to finish stripping the wallpaper in the dining room today. We're off to the cinema tonight (again!) and hoping to have a free dinner out first (Pizza Express, with MS rewards vouchers), so I need to get it done, or we'll have to eat at home.

    Had a lovely walk with Mum yesterday, and explored a bit of parkland that we've known about for a long time, but never been to. Will definitely be going back - there's plenty we didn't get to see and it will be lovely to see the seasons change there.

    MS things:
    * SBs
    * Have opened a new current account with existing bank with the intention of becoming a bank tart It's about time!
    * Work, work, work
    * Will use vouchers and vouchers for dinner out tonight , bill should be small

    NY resolutions:
    * Podcast definitely paying off for evening class
    * Yoga - only 5 mins this morning, but it's now diarised for every evening with DH
    * Kitty playtime... done
    * 10k steps yesterday (but slacking today, need to get cracking

    Gratitudes:
    * Lovely walk yesterday
    * Good evening class
    * Countryfile magazine arrived today (birthday present from Mum, when I sort out the subscription)
    * Surprise parcel arrived for me - birthday present from BIL - small hamper of edible goodies, largely plastic-free Very exciting!

    Have a good day all!
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
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