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    • themadvix
    • By themadvix 10th Mar 12, 9:51 AM
    • 2,693Posts
    • 14,755Thanks
    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 96
    • themadvix
    • By themadvix 14th Jan 20, 3:08 PM
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    themadvix
    Afternoon all,

    Haha, Karma, no we didn't go for a drive. DH drove it back, but it needed to charge then/I wanted to get on with the walls/there was a motorway pile up near us and the roads were a nightmare. We used it on Sunday though for our socialising (plugged it in at the in-laws ), and my new favourite phrase is 'It was a dino-juice-free journey!'.

    Work is picking up again now, which is nice. Yesterday I also visited Mum and Niece, hospital-staying friend (yes, still!) and the cats I am looking after. It was a long day. Cats are lovely though and were very friendly this morning. While I was there I walked into town (town centre is a 40 min walk from home but only 10 mins from theirs - which I drove to) and paid in my birthday money and did a few jobs.

    MS things:
    * Baked biscuits instead of buying them (used up some naff Christmas chocolate)
    * Walked into town - combining car journeys, exercise and running errands (inc RM survey posting)
    * Clicks etc.
    * Made big batch of minestrone soup yesterday to use up some passata. Enough for 4 portions. End of loaf turned into croutons. Delicious!
    * Used up several bits in dinner last night
    * Daal for dinner tonight (super cheap) with hm naan
    * Still haven't been out/had takeaway for my birthday - saving that for a rainy day!

    Spent 59p on mayo to add to food budget: 28.91. CC @ 142.27.

    We're out for dinner tomorrow with one of DH's uni friends (DH will be paying for us, hopefully ). Then he's away with work Thursday night (work will pay for his dinner). At the weekend we're meeting some friends for a local event. Hoping to avoid an expensive meal - waffles from a street stall or a cuppa & cake are the plan (friends know we're on a budget). Sunday we're off to a 1st birthday party, so hoping we'll eat fairly well there at lunchtime and just need something light from stores when we get in. No veg box this week and I'm going to eke the milk out as far as I can. Next week DH is away 3 nights (2 work, 1 spendy 'boys' weekend), so hopefully food spending will remain low then too (again, probably no veg box).

    Feeling reasonably hopeful about food budget. CC should be okay except for my day up in London with Dad for his Christmas present (Tutankhanum exhibition) - I'll have to pay for train and at least some drinks. Feeling less optimistic about petrol, but the cat sitting will impact that - so extra is justifiable and later in the month I might take the electric car to my evening class, which will help!

    Gratitudes:
    * Lovely new cat friends
    * Elderly friend is doing well (although they keep extending her stay in hospital)
    * Work is picking up, although expected project might not come off...

    Have a good afternoon all!
    • newgirly
    • By newgirly 14th Jan 20, 9:54 PM
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    newgirly
    I envy you the exhibition it looks good
    MFW 38

    2020 start bal:73,119, current bal: 73,119 target 18,000, opd
    • Cheery Daff
    • By Cheery Daff 14th Jan 20, 11:36 PM
    • 9,109 Posts
    • 47,273 Thanks
    Cheery Daff
    Lots of cheery money saving things in there, well done you!
    • themadvix
    • By themadvix 15th Jan 20, 12:17 PM
    • 2,693 Posts
    • 14,755 Thanks
    themadvix
    Afternoon all,

    Thanks NG - I'm looking forward to it, but hadn't realised that the real death mask is in Cairo and won't ever be leaving. I think there's a replica but I think the advertising is very iffy - it should be made clear that the death mask won't be there. My Dad saw it in Egypt though when he was there in November.

    Thanks Cheery!

    Popped to see my furry charges this morning and then to Wickes as out back fence is threatening to fall onto driveway (and thus brand new car ) in the winds. DH is coming home for lunch en route to a meeting (car swapping too!) so is hopefully going to sort that out then with the bolts I bought.

    Work has really picked up all of a sudden, so I've been cracking on with that and making some more naans this morning (partly to have with lunch and more for the freezer while we've got yoghurt in for them).

    MS things:
    * We really need to sell the old car - no interest so far, but DH had to insure the new one yesterday and obviously his NCB is all linked to the old car, so it's costing a fortune at the moment. We've got until 12 Feb to get rid of it as that's when insurance renewal is. We've advertised it in a couple of specialist places so far, but no interest. Will have to consider our options (annoyingly we'd really have to be desperate to find some driveway to SORN it - Dad has space but I know he doesn't want the car there).
    * Clicks etc. Sent my friend a rundown of all survey sites etc. that I use as she needs a bit of an income boost (also self-employed) -she was very grateful (and it reminded me of how much benefit they have).
    * Work, work, work!

    CC is + 6.36 for bolts for fence. No additional food costs as yet.

    Gratitudes:
    * Lots of work
    * Sunshine here today after the storms of last night
    * DH home for lunch

    Have a good afternoon all!
    • Karmacat
    • By Karmacat 15th Jan 20, 2:29 PM
    • 32,904 Posts
    • 194,638 Thanks
    Karmacat
    Afternoon all,

    Thanks NG - I'm looking forward to it, but hadn't realised that the real death mask is in Cairo and won't ever be leaving. I think there's a replica but I think the advertising is very iffy - it should be made clear that the death mask won't be there. My Dad saw it in Egypt though when he was there in November.
    Originally posted by themadvix
    The advertising *is* deceptive, you're right I saw the death mask at the British Museum in 1971 or whenever it was. And yes, its beautiful, has a presence and all that, but the items that *are* on display are more informative in a lot of ways, telling you a lot more about the life and the culture and the people than the mask ever could. Even though its so brilliant. I hope that doesn't tarnish the experience for you.

    Popped to see my furry charges this morning and then to Wickes as out back fence is threatening to fall onto driveway (and thus brand new car ) in the winds. DH is coming home for lunch en route to a meeting (car swapping too!) so is hopefully going to sort that out then with the bolts I bought.
    Love reading about your furry charges, but then ... yikes! I hope all is well with your fence long enough for it not to fall on the brand new car!

    * Clicks etc. Sent my friend a rundown of all survey sites etc. that I use as she needs a bit of an income boost (also self-employed) -she was very grateful (and it reminded me of how much benefit they have).
    Thats lovely
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • themadvix
    • By themadvix 15th Jan 20, 5:00 PM
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    • 14,755 Thanks
    themadvix
    Hey Karma, I am still looking forward to the King Tut exhibition - I'm sure it'll be very impressive regardless. I just think it's naughty how it was advertised.

    DH came home at lunchtime and fixed the fence in 5 minutes - amazingly!
    • Suffolk lass
    • By Suffolk lass 16th Jan 20, 8:03 AM
    • 3,571 Posts
    • 30,967 Thanks
    Suffolk lass
    Re your old car - you should still have it insured irrespective of a SORN - so storing it won't help (much) with the premium - although some insurers will improve (reduce) the premium if it is off the road and in secure storage (like a motorhome in a secure storage facility) - not ours, I might add, which is on the drive but SORN'd
    Save 12k in 2019 - #68 9.396.36/7,000 134.23% total
    Save 12k in 2020 - #20
    OS Grocery Challenge 2020 target 0/3k 0% so far
    Mortgage Free Wannabes 2020 #37
    MFIT T5 No 2 42,188/59,998 or 70.32% paid after Q3
    My DFD is here
    • Cheery Daff
    • By Cheery Daff 16th Jan 20, 10:12 AM
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    • 47,273 Thanks
    Cheery Daff
    I thought you didn't need to insure a SORN car if it was kept off road? I took ours off the insurance a few weeks ago and left it on the drive til it was collected.

    But I suppose it depends if you're worried about anything happening to the car itself. Ours only ever had third party insurance anyway and was waiting to be scrapped so if a tree had landed on it, it wouldn't have mattered
    • themadvix
    • By themadvix 16th Jan 20, 10:20 AM
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    • 14,755 Thanks
    themadvix
    Morning all,

    Thanks SL and Cheery - unless I'm missing something, that was where my thoughts were Cheery. The car we're selling is not really worth insuring if it's off-road as the cost to insure both is almost half the value of the car. I think we'd risk it. Alternatively, if it was SORNed the insurance company might be more willing to transfer the NCB to the new car, which would certainly save some money if we did continue to insure both.

    Had a lovely meal out with DH's friend last night and DH paid It was very reasonable actually - probably as we all stuck to water and didn't have desserts - 15/person seems pretty good for a starter and main each (and it was delicious ).

    My furry charges have been seen to. (Detail for Karma, feel free to ignore if you're not a cat person!) They are quite bonkers - they have a long tunnel which they absolutely love and run into and then slide it across the kitchen floor. We have a play each time I visit - the tunnel is a great place to catch the mouse from and takes a lot of abuse from paws and heads appearing (it has holes in the side).

    Continuing with work this morning (with my fingerless gloves on ). Mum due to call round for a cuppa soon as she has an appointment nearby.

    MS things:
    * Clicks etc. done
    * NV survey done
    * Lunch from stores (out of freezer)

    Gratitudes:
    * A nice evening last night
    * Sunshine here this morning, although it's cold!
    * Fingerless gloves - so snuggly and helping to keep the heating off!

    Have a good day all!
    • themadvix
    • By themadvix 16th Jan 20, 1:13 PM
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    themadvix
    15.01 OP made - TT from a couple of accounts. Loving the new Santander system! OP allowance now: 5084.99.

    Have just sent Mum intro link to TSB, so we should get 100 each from that.

    Oh and had letter in post requesting we fill out an Ipsos Mori survey - will get a 5 voucher for doing that!
    • Karmacat
    • By Karmacat 16th Jan 20, 7:03 PM
    • 32,904 Posts
    • 194,638 Thanks
    Karmacat
    My furry charges have been seen to. (Detail for Karma, feel free to ignore if you're not a cat person!) They are quite bonkers - they have a long tunnel which they absolutely love and run into and then slide it across the kitchen floor. We have a play each time I visit - the tunnel is a great place to catch the mouse from and takes a lot of abuse from paws and heads appearing (it has holes in the side).
    Originally posted by themadvix
    Thanks for this that sounds wonderful, actually

    My niece in law notices how different the cats are, on their return, depending on whether they've had me there as a human presence, or they've been on their own when someone else has been popping in (eg for a few days, or over Christmas) - they're much more sociable when I've been there
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • themadvix
    • By themadvix 17th Jan 20, 12:26 PM
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    themadvix
    Afternoon all (already? What happened to this morning?),

    That's really interesting Karma - and good to know. I saw the 'girls' for my final visit this morning; they've been a real pleasure to look after (not that my boys aren't!).

    I had a really bad night last night - hardly slept at all. Have just managed to finish the work that was waiting for me. Need to finish stripping the wallpaper - I did a fair bit last night (it's really quick to do, fortunately). Think I need a sleep first though and something for lunch.... hmm.... maybe I'll make some more minestrone (no bread, too lazy to bake any and it's raining...).

    MS things:
    * NV survey
    * Clicks etc. - managed a SB survey yesterday, and 5SB from Swago (better than nothing!)
    * RM special survey begins on Monday (can I count that here?!)
    * Resisted takeaway last night and Dad called in for a cuppa but didn't offer to take me out for dinner (cheeky, I know, but he often does) - put some food from the freezer in the oven (nothing high quality, but reasonably okay and cheaper than other options! (Poor weather does discourage me from temptation!)

    CC @ 156 (with a 29 transaction pending that I don't know what it is... doubt it's fraud, but will keep an eye on it - sure I've forgotten something...). Food: 33.66 (milk for today and next week).

    Gratitudes:
    * Central heating (very necessary today)
    * Tea
    * The wallpaper comes of easily
    * A grateful and communicative cat owner

    Have a good afternoon all, think I'm off to bed!
    Last edited by themadvix; 17-01-2020 at 12:36 PM.
    • themadvix
    • By themadvix 20th Jan 20, 12:20 PM
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    themadvix
    Morning (suspect it'll be afternoon by the time I finish typing) all,

    Had a good weekend. Ceiling in living room is now plastered, we met up with friends and yesterday we attended a family first birthday party. All good stuff!

    We did have takeaway on Friday night as we were finishing the prep for the plasterer (DH paid). It kept us going for lunch and tea on Saturday too though, so made the most of it! There were also some small spends on drinks and a snack while we were out on Saturday afternoon, but again, DH paid!

    I remembered what the 29 pending on the CC was - the extra cost of the new car on the insurance. CC bill now at 192.83 with the insurance and some sugar soap, as well as a couple of food bits (food @ 36.72 - helped by takeaway). Will discount the insurance in my total though, so 160ish currently. Lunch today and train fares on Friday will finish me off. Still fairly pleased with balance though.

    We're in the process of switching energy company to 0ct0pus - they have an EV tariff with electricity at 5p/kWh between 12.30 and 4 am. Bargainous! And the rest of the time it's cheaper than what we're currently on. And cheaper and greener for gas too. (Clearly we've been a bit lax lately on this front). Better yet, Mum is referring us, so hopefully we'll both get 50 credit (tbc as it's complicated by the tariff we want).

    It's Mum's birthday today, so we're going for lunch somewhere (with the Pickle-niece), but near me as she needs to return something to a shop here - so saving me petrol money

    MS things:
    * YG surveys
    * Won 10 on GfK tv survey Have converted it to Wagamamas voucher as I got a 10 one for Christmas - now we've got enough for a meal, more or less
    * Various work done (did some on Saturday - what else to do when plasterer is here?)
    * Clicks etc.

    Gratitudes:
    * Lovely catch up with friends on Saturday - it was beginning to feel like it was all going to be too much hard work (balancing plasterer, who came a week early with needs of their small child), but it worked out really well
    * Sunshine
    * The purry ginger beast who is sat next to me as I type (less grateful when he puts his big bum on the caps lock key and won't move!)

    Have a good day all - hope you manage to get out into the sunshine!
    • themadvix
    • By themadvix 21st Jan 20, 4:19 PM
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    • 14,755 Thanks
    themadvix
    Afternoon all,

    Just popping on quickly to do a tiny bit of work, clicks and update here. Have spent the day so far washing down one wall of the living room. It's not *that* big (although it is the longest wall), but it was caked in wallpaper paste! Have made a start on the next wall now, but losing the will to live! FIL is coming to help tomorrow, but I was hoping I'd have got this done today, so that we could make painty progress tomorrow. Never mind.

    MS things:
    * Lunch from stores
    * Clicks etc. done
    * Received link for 5 voucher for survey invite that came through the post

    Gratitudes:
    * Radio 2 for keeping me company, although it does get a bit much after a while and the wonderful peace when I turn it off is lovely too (I work in silence, so noise all day is a change for me!)
    * Sugar soap - not sure where I'd be without it!
    * Sunshine - had a lovely walk this morning

    Have a good evening all!
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