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  • FIRST POST
    • themadvix
    • By themadvix 10th Mar 12, 9:51 AM
    • 1,861Posts
    • 10,735Thanks
    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’re all so friendly and positive that it’s an inspiring place to ‘hang out’), my fiance and I completed on our first house yesterday!

    It’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’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’t be moving in until June as the house needs some work doing and we’re getting married in June so it seemed to be a sensible option (as we both currently live with our parents…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’t expect to be making much in the way of overpayments for a while (but this won’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’m hoping he’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’re already a very MSE couple having been saving for so long – 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’m paying the energy bills we’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’re back from our honeymoon, I’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’t our forever home and one day we’d like to build our own environmentally friendly home! But more of that in the future…
    Last edited by themadvix; 21-11-2016 at 5:06 PM. Reason: Because I got the interest rate wrong!!
Page 52
    • Karmacat
    • By Karmacat 6th Apr 18, 11:55 AM
    • 29,608 Posts
    • 170,455 Thanks
    Karmacat
    You're doing the right thing, madvix, I was commenting (on here?) the other day about layering offers - no, I think it was on PP's thread - you did really well with the meal out! But it might only be mse-ers that understand.
    Retired August 2016
    • newgirly
    • By newgirly 7th Apr 18, 12:19 PM
    • 6,410 Posts
    • 44,357 Thanks
    newgirly
    That's why this board is so great , no judgement when you do become a skinflint
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,193 3yrs 9 mths left. Total owed 47,059 plan to clear in 12 months
    • shangaijimmy
    • By shangaijimmy 7th Apr 18, 3:18 PM
    • 2,777 Posts
    • 13,826 Thanks
    shangaijimmy
    I take pride in the skinflintedness! Deep down we know its money smartedness though!
    MFW: Turning June 2036 into March 2025... 41//120 Payments Challenge, Diary Reduction 44,136.86
    Aug 2009: 163,051 // Current: 91,863.15 // Avg Daily Interest 4.13
    MFiT-T4 #8 - 80.74% of 41,000
    • themadvix
    • By themadvix 9th Apr 18, 11:51 AM
    • 1,861 Posts
    • 10,735 Thanks
    themadvix
    Morning all, and thanks, you've reassured me that I'm not being too tight.

    Had a good weekend, where we didn't get much that we should have got done done, but did lots of walking instead even in the rain! Explored some nearby areas that were new to us and took snacks (Easter chocolate) so two free days out. I did manage to cut the grass on Saturday before it rained and DH got some work on the Mini done. Saw a friend last night and used Leisure Vouchers to pay for dinner - also covered a chunk of her dinner too, so she was happy. Evidence that I'm not a skinflint quite yet

    Santa interest has been paid so deficit in savings is under 1000! Nw switch hasn't finalised yet, so DH and I still waiting for our 200 there.

    Having kitty weeing problems again, so more special food ordered and a diffuser to see if that helps. There has been more fighting and hissing than usual. TCB, savings club discount from the retailer and Amex points to claw back from this expense - at least it's something!

    A very bitty week coming up as far as I can tell. Various odd jobs to do, bitty bits of work (who knows what else, it's a very reactive job) and a busy social day on Weds, even though DH is away: helping sis with house viewings, meeting Brownie friend for lunch and planning (Wetherspoons, so nice and cheap her suggestion, not mine!), and then Dad's in the evening for fish and chips - his turn to pay

    MS things:
    * Tried to use up some piccalilli in Saturday's curry.... 1/3 jar gone, but won't be repeating the experience. Have posted on the OS forum and had some suggestions, so will be implementing those (DH was given the jar by his mum, but I don't like it all and he's not keen!)
    * VB, MS rewards, SBs
    * YG survey
    * Nectar survey - was quite a quick one, 100 pts, so thanks Busy Mee!
    * OP survey and PA survey
    * Two meals out for 5.10 of real money

    Gratitudes:
    * Excellent weekend doing fun stuff with DH
    * Nice catch up with friend
    * Caught up with family too
    * Felt like we actually fitted quite a few jobs in around all the fun!

    Have a good afternoon all x
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • Crumpets
    • By Crumpets 9th Apr 18, 3:14 PM
    • 903 Posts
    • 2,826 Thanks
    Crumpets
    Hi Madvix,sounds like you've had a busy week. Any news on the car boot this weekend? I'm slowly collecting things from around the house to go! I need it to be sunny before I will do one though

    You definitely don't sound like a skinflint at all! I wish I was as good as using vouchers...good for you!

    Oh and thanks BusyMee! I've signed up to nectar canvass too! we don't have a Sainsys near us so the opportunities to collect points are few and far between
    Mortgage March 2011 143,927.6
    Mortgage Aug 2018 86,030.76
    1877.98/2000
    • themadvix
    • By themadvix 9th Apr 18, 5:34 PM
    • 1,861 Posts
    • 10,735 Thanks
    themadvix
    Judging by the forecast, I don't think car boot will be on this weekend either. Don't think Mum is busy, but the field is still likely to be waterlogged. We know we could go elsewhere (although the Saturday daytime works best for us anyway - Mum is not an early riser and has caring duties on a Sunday), but we like the atmosphere at this particular sale (and are familiar with the site, like to catch a glimpse of 'Brian May' (he's not, but it makes us giggle as he looks a bit like him!).

    May have skived off this afternoon at Mum's with niece.... In fairness, it was moral support for Mum as she only had 3 hours sleep and has niece until 6.30 tonight (from 7.30 this morning!). Work is due to arrive, but hasn't as yet, so not feeling too guilty.

    Have just booked hotel for BIL's wedding in Sept. Ignored expensive suggestions from him and opted for a cheapie travelodge in the city centre - it'll be a taxi ride after the wedding, but intending to split the cost with other BIL, so will still be cheaper. And TCB, of course Oh, and within walking distance of a Beefeater for brekkie using LV
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • newgirly
    • By newgirly 10th Apr 18, 6:21 AM
    • 6,410 Posts
    • 44,357 Thanks
    newgirly
    Sounds like a good plan going for a cheap hotel, you will be out at the wedding anyway won't you so won't be able to make the most of it if you spend a lot.

    Good luck with your "Brian may spotting"at the boot sale, my dd is a Queen fan and he came to visit college to do a talk in politics (the real one that is!) - she managed to touch the back of his hair apparently
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,193 3yrs 9 mths left. Total owed 47,059 plan to clear in 12 months
    • shangaijimmy
    • By shangaijimmy 10th Apr 18, 7:36 AM
    • 2,777 Posts
    • 13,826 Thanks
    shangaijimmy
    Have to say i am not envious of your car boot sales. Mrs SJ says we should do one and my level of support is pathetic! I've offered to lad the car the night before,and then offered to bring a Mcdonalds breakfast later but thats my limit! I'd rather give Mrs SJ the 100 myself!

    Loving your gratitudes list by the way. Great idea that i may shamelessly steal for a Sunday round up
    MFW: Turning June 2036 into March 2025... 41//120 Payments Challenge, Diary Reduction 44,136.86
    Aug 2009: 163,051 // Current: 91,863.15 // Avg Daily Interest 4.13
    MFiT-T4 #8 - 80.74% of 41,000
    • Karmacat
    • By Karmacat 10th Apr 18, 9:34 AM
    • 29,608 Posts
    • 170,455 Thanks
    Karmacat
    I once visited a friend who was selling off her stuff at a car boot sale, as moral support for her. I think if you enjoy doing it, it can actually be fun. The other stallholders were really kind to her little boy, then aged four, I was surprised how good the atmosphere was.
    Retired August 2016
    • themadvix
    • By themadvix 10th Apr 18, 12:10 PM
    • 1,861 Posts
    • 10,735 Thanks
    themadvix
    The boot sale thing is a funny one. Last time I was really nervous and not looking forward to it as I'd remembered how stressful the beginning was from a previous one, years ago (but had plenty of stuff I wanted to sell - made 60ish, I think). But in the end Mum and I enjoyed it a lot and had a good giggle - watching people and being amused at the number who'd pick up certain items and then put them down - we had a couple of things that had loads of interest but no one seemed to want to buy them until right at the end). I think having confidence in your prices, smiling at people and being prepared to engage make all the difference. DH is definitely of your opinion Jimmy, and while he would come along if I was desperate, I wouldn't want him to as he wouldn't enjoy it and I think he might scare the punters off (sorry DH! ).
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • themadvix
    • By themadvix 10th Apr 18, 12:19 PM
    • 1,861 Posts
    • 10,735 Thanks
    themadvix
    Am struggling with focus today, even though I have plenty of work to get on with. Am also struggling to type as ginger kitty is laying across my hands!

    It's grey again here today, but not raining quite as much, so hopefully will get out for a short walk with DH later. Have bread in the oven and have attempted to bake scones (have never made them before and they didn't rise very high, but taste light enough, so think I just rolled them a bit thin).

    MS things:
    * 275 SBs for a 10 min survey nearly enough for a 10 voucher. Also 50 for full Swago board. Apparently there's a code day coming on Weds, so that should help, although not sure how much I'll be at my desk.
    * VB poll, MS rewards done
    * Meal planned until weekend of 20th (when we go away)

    Gratitudes:
    * Kitty cuddles... although my shoulder is aching now
    * Plenty of work, even though I had to turn a large project down because it wasn't in my area of expertise
    * Evening class is back tonight (must do homework - whoops!)

    Have a good afternoon!
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • themadvix
    • By themadvix 11th Apr 18, 10:57 AM
    • 1,861 Posts
    • 10,735 Thanks
    themadvix
    Morning all!

    1.56 TT to savings this morning. Have set up new RS with Santa to cycle savings through. Still waiting for Nw bonus money. Savings deficit now 933.81 - slowly but surely I'm getting there.

    Have just been looking at Santa internet banking... I think it's wrong that they don't use a minus sign against the mortgage - it doesn't show it's true significance if it looks the same as the other accounts (which are in credit). I can't remember exactly, but I think our NW mortgage had a minus sign in front of it. It would just make it clearer for the less savvy that it's a *debt* and should be dealt with accordingly. Hmm...

    DH is away with work tonight so a quiet night. Was meant to be viewing houses with Sis but the EA hasn't got back to her - couldn't get hold of the tenants or something... So hoping to walk to meeting with Brownie friend - good exercise, save on parking and fuel. Weather is a bit rubbish though, so I'll see. Need to do a couple of bits in town while I'm there too.

    Have placed an online grocery order as DH informed me that he'd run out of Weetabix! (Organic - because we tried them once and they taste so different that we couldn't go back). I always buy these online as we get staff discount. So between them and some other bits it was 60 (before discount). And hardly anything to eat. But with that in mind will aim for another 6 weeks before another order (approx time to end of Weetabix supply!). There's plenty in the freezer and ingredients to make other stuff.

    MS things:
    * VB poll, MS rewards, SBs codes and 100 SB survey - saw link in Martin's email to double points - so cross I'd not cottoned on to it before (had seen vague mention on KC's thread but not followed it up - that 275 yesterday could have been doubled.... at least this one will be!).

    Think that's it!

    Gratitudes:
    * Good to see evening class friends last night.... Really struggled with a new concept though, need to study it more
    * Library books Haven't had any from the library in ages and recently got three out - down to the last one now and they've all been great (found a new author too)
    * Lunch with a friend
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • themadvix
    • By themadvix 11th Apr 18, 11:19 AM
    • 1,861 Posts
    • 10,735 Thanks
    themadvix
    Have just ordered 30 of LV from S&S - will stash those away for the breakfasts at the wedding... or will try to anyway!
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • Busy Mee1
    • By Busy Mee1 11th Apr 18, 6:25 PM
    • 676 Posts
    • 3,032 Thanks
    Busy Mee1
    You are famous Mad Vix ! - your old style thread about using piccalilli has been featured in the MSE email
    • themadvix
    • By themadvix 12th Apr 18, 11:40 AM
    • 1,861 Posts
    • 10,735 Thanks
    themadvix
    Haha Busy Mee, I'd missed that! Just hope the in-laws don't spot it (although I doubt very much FIL reads the email with anywhere near that much attention.... and let's face it, if he's clicking on it it's because he needs an alternative use for all the piccalilli in the house! )
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • themadvix
    • By themadvix 12th Apr 18, 11:50 AM
    • 1,861 Posts
    • 10,735 Thanks
    themadvix
    Morning all!

    With DH away, the cats let me have a lovely lie-in this morning The joys of being self-employed! Woke up to rather a lot of small bits of work, so have blitzed them and working on the bigger project that has been lingering this week - if only clients gave me tighter deadlines!

    Busy day yesterday in the end - managed to walk into town to meet Brownie friend, but didn't have time to do the jobs I needed to do, so will pop out later. Sis picked me and we went off to look at houses. I don't think there were any real contenders in the ones we saw, but she'd seen another in the morning that was promising. Home about 5 and then out to Dad's for dinner at half past!

    Today, once I've finished this project (it's just not holding my attention enough!), I need to get those jobs done. I'm still struggling to get used to the idea that I have a car again, having not had one for the best part of two months (if only we'd known, that would have been a nice amount of road tax back). I may pop to visit a nursing home with mum later (for Nan), but it will mean I get caught in rush hour traffic and mum may not make it either, so that's a bit up in the air.

    MS things:
    * MS rewards, SBs (only 3 today, after a bumper day yesterday!), VB poll done
    * YG, NV, Nectar surveys done
    * 1.07 claimed from TCB
    * Lunch in Wetherspoons yesterday and had a refillable tea which I bought when I first arrived. Lunch came with a drink and the bar lady said I could have one with a lid on to take home - winner! I know I paid for it, but it certainly seems like a freebie! 5.60 spent on jacket potato with chilli, 3 cups of tea and a J2O!

    Gratitudes:
    * The bird song - so much to hear at the moment, especially as I walked into town yesterday, just had to block out the traffic noise.
    * Lovely fish and chips with dad
    * Great catch up lunch/planning with Brownie friend
    * Time with niece and sis yesterday (and nosing round other people's houses!). Niece is definitely getting bigger - all the carrying of her yesterday counts as a workout!

    Hm pizza for tea tonight - if I remember to make the dough! Right, back to the boooooring work!
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • Karmacat
    • By Karmacat 12th Apr 18, 1:47 PM
    • 29,608 Posts
    • 170,455 Thanks
    Karmacat
    I'm off to look at the newsletter, got to see that
    Retired August 2016
    • themadvix
    • By themadvix 12th Apr 18, 5:42 PM
    • 1,861 Posts
    • 10,735 Thanks
    themadvix
    Pizza dough is proving and I'm trying out a celeriac soup recipe in the hope that we've found a way to eat the celeriac we get in the veg box every so often. It's ok in small quantities (in stir fry usually), but the problem is it's such a big vegetable! Soup is the River Cottage recipe, smells nice at the moment! I appreciate that the weather forecast is due to be very un-soup-like, but needs must (the celeriac was a bit furry on the outside!). Will freeze it if necessary.

    Have been thinking about the upcoming events in May/June - we're going to be away on a couple of occasions and plan to take some food with us. I think I need to crack on with getting some of this prepared (and frozen) so that the dates don't creep up and take me by surprise (I can always guarantee that work gets busy the week before we're away).

    Finally finished that dratted project - hooray! Didn't get to view nursing home as mum had to cancel appointment. Did post ebay parcel that was overdue though (oops).
    Last edited by themadvix; 12-04-2018 at 5:45 PM.
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • themadvix
    • By themadvix 13th Apr 18, 11:20 AM
    • 1,861 Posts
    • 10,735 Thanks
    themadvix
    Morning all,

    Very glad it's Friday today. It seems to have been a long week. I have a very long to-do list, but I'm not sure how much I'll get done today as I'm going to visit some care homes with Mum later, hopefully. I do need fuel and have a double Nectar points voucher, so will be topping up at Sains.

    At the moment I'm finishing up some work and trying to fend off the headache I have acquired. More tea may be necessary! (On that note, I recently accepted that I needed to stop using tea bags because of the plastic content - had been burying my head in the sand - and am amazed at how much cheaper loose tea is! I guess it's not surprising given there's much less effort involved, but I won't be switching back, even when the plastic-free tea bags are on the shelves - it's still less waste, less carbon involved in manufacture too).

    MS things:
    * VB poll, SBs, MS rewards
    * YG survey
    * 1P - 30p - halfway there now!
    * Entered some comps (haven't won anything this month yet! )
    * ETA 2 PA surveys completed- 4.52 there now (will be a while yet as I wait for 25 to pay out)

    Gratitudes:
    * DH got home eventually last night - motorway was closed, so we ate quite late!
    * Enjoyed 'Minimalism', a documentary on Netflix
    * NT magazine came yesterday and they've switched the wrapper to potato starch - not only is this brilliant from an environmental POV, but the ginger cat, who eats plastic bags, wasn't interested in munching it! Safer for future occasions when post comes while I'm out!
    Last edited by themadvix; 13-04-2018 at 11:31 AM.
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • themadvix
    • By themadvix 14th Apr 18, 11:19 AM
    • 1,861 Posts
    • 10,735 Thanks
    themadvix
    Morning all,

    Was feeling a bit frustrated this morning - it seems like we're never going to be able to afford the home we'd like (house-wise nothing bigger than we've got now, but somewhere more rural with more outside space) somewhere where we actually want to live - i.e. not millions of miles away from our families and friends. However, DH has discovered that some shares he bought have tripled in value, so he's decided to sell these. In itself it's not an earth shattering amount of money (1k profit), but the fact we have all these bits tucked away (DH's employer loves to give him random free share allocations) does make me feel better.

    Am refocusing and going to try to make more of an effort now though.

    MS things:
    * 2x 14.38 refunds from our old pet insurance company (no notification of this, but it's just appeared in our account, guessing they must have been taken by mistake)
    * MS rewards, SBs (met target) and MM survey
    * Claimed 10 voucher from SBs
    * Lemon biscuit dough chilling in fridge.
    * Transferred Amex points to Virgin Atlantic... slowly getting to have enough for our trip to the States.
    * Persuade DH to open Nw RS to use for 'moving' savings - once we've got these saved we can go back to OPing.

    To-do this week (hoping putting this here will hold me accountable):
    * Ring ikea as our oven is still not working properly
    * Ring miele as our fridge guarantee is coming to an end and we're still using gaffa tape to hold the light off so it shuts (2nd visit for them too)
    * Close Amex card

    Today, I'm going to have a go at planting some spinach in the garden. I know it's risky weather-wise, but we just don't have space to start them inside (I have four seedlings in a pot on the kitchen windowsill, but there's no room for more - cats!) and fingers-crossed that the weather just keeps improving now! Veg bed has been topped up with hm compost (very pleased with this and there's more to use too ) and as we love spinach, I know we'll eat it all!

    I also need to post a card and pop to specialist to top up my ecover bottles. DH is going to do some car stuff (the mini, I think) and garden stuff.

    Right, those biscuits won't cut themselves. Have a good day all!
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
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