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  • FIRST POST
    • themadvix
    • By themadvix 10th Mar 12, 9:51 AM
    • 1,991Posts
    • 11,480Thanks
    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 69
    • themadvix
    • By themadvix 30th Oct 18, 10:40 AM
    • 1,991 Posts
    • 11,480 Thanks
    themadvix
    Morning all,

    Crumpets I replied on your thread about the sleeping tablets. The brownie recipe is here - it is good, and I've tried a few! The beer needs more work, but we'll get there!

    The Americans still haven't paid yet and it seems to be a cashflow problem, which is not good. I'm doing any more for them until I've been paid. Plenty of other work coming through from clients who do pay though

    We had a lovely day on Saturday, out in the woods with my uncle and FIL geocaching. It was SO cold though. As a result, we decided not to go out for the day on Sunday, although we did go out for a short walk in the afternoon. It was a lovely relaxed weekend (£2 spent on a cuppa was all - I took brownie and lunch, although the roll came back with us.).

    I have booked the hotel for next week as it seemed too good an opportunity to miss. BIL can cover the cat care

    Other stuff all pottering on. Taking B&W cat to the vet later though as he has goopy eyes - imagine they'll give him some antibiotics as it looks like conjunctivitis. poor thing!

    MS things:
    *A friend has ordered loo roll from WGAC and used my referral, so we both got £5 off our next order
    * Very low cost weekend
    * Cashback from £co and TCB claimed- about £5 combined
    * Made lentil bolognese last night - was delicious - consciously trying to cut down on quorn both for planet/health reasons and cost reasons. So a winner there!

    Gratitudes:
    * A lovely weekend
    * Great walk in the woods with niece on Friday afternoon She's so into everything at the moment!
    * Washing line dried yesterday

    Have a good day all!
    Last edited by themadvix; 30-10-2018 at 10:43 AM.
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • themadvix
    • By themadvix 31st Oct 18, 2:41 PM
    • 1,991 Posts
    • 11,480 Thanks
    themadvix
    Afternoon!

    Work is keeping me busy, if raising my blood pressure a bit at the moment. It's good to have plenty of work though, although invoicing tomorrow will be a mammoth task(tusk? )!

    DH and I are escaping Halloween and going to the cinema tonight, what we see is as yet undecided.

    B&W cat's eye is back to normal - fortunately I didn't fall for the antibiotic eye drops as the vet said it may clear up on its own and it has. This is a double relief and I didn't fancy putting the eye drops in and I'm his favourite, let alone leaving BIL to do it at the weekend! Annoying to have spent the money on a consultation, but I don't begrudge it, would rather know kitty is okay.

    I have washing on the line again today as it's sunny and breezy. Hard frost though again this morning and I have the little oil-filled radiator keeping me and my office warm (bizarrely the cats don't seem bothered).

    MS things:
    * Blitz on PA surveys, so I'm up to £12 now
    * YG survey done
    * Clicks done
    * Have chased Americans, as hope they'll pay tomorrow
    * Still no refund from HMRC, so will need to ring them *again* tomorrow

    Gratitudes:
    * My mum, for her help with work (and allowing me to vent about clients!)
    * Plenty of work
    * Late opening at my zero-waste shop (and free on-street parking)
    * Purry kitty on my lap (appeared like a ninja just after I'd written that they weren't bothered about the warmth in here, sneezed on my lap and has gone off again! Lovely....)

    Have a good afternoon all!

    ETA: Americans have just confirmed I'll be paid *next* Thursday for sure.... hmm, an entire month late. However, at least I will be paid.
    Last edited by themadvix; 31-10-2018 at 2:45 PM.
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • Crumpets
    • By Crumpets 3rd Nov 18, 12:18 PM
    • 962 Posts
    • 3,055 Thanks
    Crumpets
    What did you see at the cinema in the end? Glad your kitty's eyes cleared up without the need for eye drops! I've been really lucky with my cat, in that he very rarely needs vets treatment. I can't imagine he'd take kindly to me to giving him medication of any kind

    Hope you've got all your invoicing done, work sounds super busy!

    Have a lovely weekend
    Mortgage March 2011 £143,927.6
    Mortgage Oct 2018 £82,359.83
    • themadvix
    • By themadvix 3rd Nov 18, 5:57 PM
    • 1,991 Posts
    • 11,480 Thanks
    themadvix
    Hi Crumpets, we went to see A Star is Born. Probably a very good film, but **definitely** not my sort of film. I nearly walked out it was so depressing. DH has promised he'll take me to see First Man - at least we know they made it back from the Moon!

    Fortunately, touch wood, our kitties are both pretty healthy too - this is the first vet visit this year. Fingers crossed, touch wood, etc., etc.!

    Almost all invoicing done and I've finally paid myself. Rather pleased to find that there's a nice chunk for savings this month - all this frugalling is finally catching up with us!

    We're off for the London to Brighton veteran car run tomorrow - this year I get to ride on (not a typo) the car! I'm super excited, but carefully packing thermals, hand warmer, gloves, scarf and so on!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • Karmacat
    • By Karmacat 3rd Nov 18, 6:37 PM
    • 30,051 Posts
    • 174,273 Thanks
    Karmacat
    Have a great run!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • newgirly
    • By newgirly 3rd Nov 18, 8:58 PM
    • 6,511 Posts
    • 45,329 Thanks
    newgirly
    What car is this you are travelling ON Vix? Sounds like great fun, enjoy
    MFW 21

    £77,580
    • earthgirl
    • By earthgirl 4th Nov 18, 3:31 PM
    • 2,216 Posts
    • 24,308 Thanks
    earthgirl
    Hope you had a great time at the car run. Great news about lots of work, thats what I'm needing!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k 5k Travel savings £3203/5k
    • Crumpets
    • By Crumpets 4th Nov 18, 5:49 PM
    • 962 Posts
    • 3,055 Thanks
    Crumpets
    Hi Crumpets, we went to see A Star is Born. Probably a very good film, but **definitely** not my sort of film. I nearly walked out it was so depressing. DH has promised he'll take me to see First Man - at least we know they made it back from the Moon!
    Originally posted by themadvix
    I know what you mean, I absolutely loved the movie but found it quite harrowing and it affected me emotionally for a good while after I saw it (I've seen it twice too )

    Hope you had a great car run today...you'll need to explain more about riding ON the car!!
    Mortgage March 2011 £143,927.6
    Mortgage Oct 2018 £82,359.83
    • themadvix
    • By themadvix 7th Nov 18, 2:15 PM
    • 1,991 Posts
    • 11,480 Thanks
    themadvix
    Afternoon all!

    Thanks for all your good wishes - we had a great weekend and the car run was fantastic! I'll upload a pic later - I've got to get techie help from DH! We made it down there in great time and the weather was fab (really quite warm for November - I didn't need the blanket or hat I'd packed, just the thermals!). We stayed in Brighton and had a lovely meal with our friends (and some new ones) - this is the event that we're not allowed (and I do mean *not allowed*) to contribute towards, so I'll need to think of a good thank you present soon. What do you buy people who have enough money for a 'Brighton car' though? (London to Brighton cars have to be proven to have been built in 1904 or earlier - because of their eligibility for the run they attract quite a premium. The cheapest go for around £40k and one sold this year for £600k!! Our friends' car was definitely towards the bargain end of the spectrum, but nonetheless...!!) It is a dream to one day own a Brighton car.... but it may be just that, a dream!

    On Monday DH and I went off to the New Forest for a night (in a Travelodge, a different experience to the previous night!). We had a lovely time, a meal in Pizza Express that was fully paid for by vouchers except the tip) and lots of walking and a great pub lunch yesterday. As ever, we come back full of ideas and motivation about how to get the life we want. We just have to put it into practice (and be braver, I think, we're both very risk averse). Any tips would be most welcome!

    I've done a whole load of jobs this morning, some work, but mostly life admin stuff. I tried to call HMRC about my repayment as it has **still** not come through and they keep changing the goalposts. I'll ring again tomorrow (when I'm sure they still won't have paid - the bl00dy automated woman cut me off today when I gave her the date I last spoke to them - it wasn't long enough ago, so tough!).

    MS things:
    * £25 *bucks gift card claimed from SBs (and bonus 950 SBs for doing so ) Not a fan of
    *bucks, but it's a way to ensure we have a treat when out every now and then/gives DH an emergency rations option if out with work
    * YG survey
    * VB, MS rewards (v. close to payout now)
    * Joined Costco on Saturday. Not sure how MS this will be as very little there meets my strict requirements for food (palm oil and plastic free), however, we've got a voucher to get £20 our first online order, which will be of free-range chicken for the cats - the main reason we joined. Verdict is open on whether it'll be vfm or not.
    * Moved WGAC loo roll order back from end of Nov to end of Jan - we still have 1/2 a box!
    * No veg box this week
    * Heating not required during the day as it's so warm

    Gratitudes:
    * The chance to take part in the L2B - an incredibly special experience and I feel really privileged
    * A wonderful weekend with friends
    * A great time in the New Forest plotting and planning with DH in beautiful yellow-leafed woodland (with ponies and piggies!)
    * I could go on, but I think you'd get bored!

    Have a great afternoon all!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • Karmacat
    • By Karmacat 7th Nov 18, 2:45 PM
    • 30,051 Posts
    • 174,273 Thanks
    Karmacat
    Awww! This sounds like you've had a fantastic few days! Brighton *and* the New Forest, wonderful stuff.


    Presents for people like that ... ouch. I'd say a consumable (but I always do ...) a bottle of whisky or something, or something hand made from an artisan market - honey, chili jam, that sort of thing - there's some very swish stuff around
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • themadvix
    • By themadvix 7th Nov 18, 3:23 PM
    • 1,991 Posts
    • 11,480 Thanks
    themadvix
    It was a great few days.

    Yes, it'll be something consumable - I'm a great believer in that too. But I've done a hamper and booze before.... hmm, unless I combine the two/just up the budget a bit.
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • themadvix
    • By themadvix 8th Nov 18, 8:58 AM
    • 1,991 Posts
    • 11,480 Thanks
    themadvix
    Morning all,

    DH off to speak at an event in Birmingham this morning, so it was an early start! In need of a second cuppa, I think.

    Have spoken to dear old HMRC. Apparently the bank account details were *still* wrong, so the money was still going round in circles. It makes you wonder when, if ever, they'd have contacted me about it! Anyway, the guy said it shouldn't take 5 weeks this time, so here's hoping!

    Am popping out with Mum this morning to an auction house - they are going to auction some of the bits from Nan's house, but this is just a valuation morning. Work is quite quiet, so I thought I'd go along to see what happens.

    Yesterday I began some preliminary research into our future plans - all online stuff, but it looked quite promising and one of the organisations seems supportive. I've also started reading up on chicken care

    MS things:
    * SBs, VB and MS rewards done
    * No PA surveys as yet but keeping checking
    * Registered on Cat in a Flat as a cat sitter - we'll see what happens with that!
    * Mentioned to a client that I'd be open to doing something I've said no to in the past (voice recording stuff, urgh, hate the sound of my voice!)
    * Returned library books (didn't quite avoid fine as we were away, but minimised the cost!)
    * Load of washing has just finished - to be put on the line!

    Gratitudes:
    * DH does seem to get *less* stressed about public speaking than he used to (think I'm more nervous on his behalf now)
    * Sunshine
    * Gloriously golden leaves on the trees I can see from my window here

    Have a good day all! (I haven't forgotten the pic!)
    x
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • themadvix
    • By themadvix 8th Nov 18, 9:03 PM
    • 1,991 Posts
    • 11,480 Thanks
    themadvix
    This was the car I was riding on It was an incredible privilege!

    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • Karmacat
    • By Karmacat 9th Nov 18, 9:29 AM
    • 30,051 Posts
    • 174,273 Thanks
    Karmacat
    Gorgeous!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • themadvix
    • By themadvix 9th Nov 18, 11:29 AM
    • 1,991 Posts
    • 11,480 Thanks
    themadvix
    Morning all!

    I think I'm getting a cold That aside, things are going well. I've received a £5 no minimum spend voucher from the garden centre for use this weekend, so will go see what plants I can buy this time. SBs is ticking away merrily in the background - thanks for the tip Karma, it's amazing how good it can be when it actually works!

    I've got a phone call with CatinaFlat scheduled for lunchtime, so that will be interesting. By speaking to them on the phone it gives you a bit more credibility (shows on your profile). It'll be interesting to see if anything comes of it - there are several already listed for around here, plus a couple of local pros and a few catteries. I guess there are lots of cats though!

    MS things:
    * £2 L2S vouchers received from RM survey yesterday
    * 10p PA survey
    * SBs, MS rewards and VB done/doing - aiming for another voucher from SBs imminently.
    * DH had leftovers for tea last night (and Dad might have bought me fish and chips )
    * Washing dried beautifully on the line last night
    * Redcurrant vodka bottled for GMIL for Christmas - it's a lovely colour
    * Brownie expenses cheque cleared (paid in Weds, wahoo for faster clearing!) and paid off cc - free miles!
    * No heating since first thing this morning

    Gratitudes:
    * A lovely evening looking at Dad's amazing holiday pics
    * Fish & chips
    * Interesting visit to auction valuers and toasted tea cake at mum's

    Have a good Friday everyone!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • newgirly
    • By newgirly 9th Nov 18, 1:42 PM
    • 6,511 Posts
    • 45,329 Thanks
    newgirly
    Wow that must have been quite an experience, I can help wondering why they the hold the car run in November instead of summer though
    MFW 21

    £77,580
    • themadvix
    • By themadvix 9th Nov 18, 2:07 PM
    • 1,991 Posts
    • 11,480 Thanks
    themadvix
    The run always takes place on the first Sunday in November as this is when the first one was held is 1896 to celebrate/mark the abolition of the law that all motorised vehicles had to have a pedestrian, flag-carrying escort walking in front of them. The speed limit changed at the same time to 14 mph from 4 mph. A red flag (like those carried by the escorts) is always symbolically torn in half at the beginning of each year's run.

    To be honest, I think in hot weather it would have the potential to be just as unpleasant as there's no shelter from the sun either!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • newgirly
    • By newgirly 9th Nov 18, 3:10 PM
    • 6,511 Posts
    • 45,329 Thanks
    newgirly
    Ah that makes sense, That's only a year after our business was established it seems a world away from today what a stunning car though.
    MFW 21

    £77,580
    • Hazelnutty
    • By Hazelnutty 9th Nov 18, 5:08 PM
    • 141 Posts
    • 749 Thanks
    Hazelnutty
    Themadvix - I have just worked out your name thanks to Newgirly! I'm such a dope sometimes!
    • Karmacat
    • By Karmacat 9th Nov 18, 9:18 PM
    • 30,051 Posts
    • 174,273 Thanks
    Karmacat
    Things do sound good (apart from the cold, I hope its an illusion caused by dust or something ). Interesting about the London to Brighton run too, I'd no idea why it was November. Nor have I any idea about your name
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
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