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  • FIRST POST
    • muddywhitechicken
    • By muddywhitechicken 12th Oct 12, 10:29 PM
    • 3,922Posts
    • 36,058Thanks
    muddywhitechicken
    Making chicken feed of my mortgage
    • #1
    • 12th Oct 12, 10:29 PM
    Making chicken feed of my mortgage 12th Oct 12 at 10:29 PM
    Hello

    After reading lots of inspirational MFW diaries I have decided to start one of my own as a record of my progress and to keep me motivated.

    When we relocated to our current house 4.5 years ago we gained a bedroom but more than doubled our mortgage
    Luckily Mr MWC had a very generous 4-year relocation package and even luckier it was paid out in full when he was made redundant 6 months later…

    A little about the mortgage…

    July 2002

    Original mortgage (interest only)
    4.49% fixed rate
    Redemption date = July 2027
    £90,250

    April 2008

    Further advance (repayment)
    5.62% fixed rate
    Redemption date = April 2028
    £106,190

    October 2012

    Original mortgage (interest only)
    2.50% BMR
    Redemption date = April 2028
    £88,660

    Further advance (repayment)
    2.50% BMR
    Redemption date = August 2026
    £79,832

    We have been paying £134/month into a S&S ISA for the past 10 years to pay off the capital on the interest only mortgage - fingers crossed. Note to self: check performance of S&S ISA.

    We made our first OP of £2,750 to the FA last November and this year we have OP’d the equivalent of paying the FA twice a month, every month

    A little about me…

    41 years old
    0 children
    7 chickens
    Work FT in a job that bores me to tears but pays well and allows me to finish at lunchtime on Fridays

    A little about Mr MWC…

    Happy to OP as long it doesn’t affect our lifestyle
    Recent convert to topcashback

    Today I have…

    Sold 2 boxes of eggs @ £1.25/box
    Shined my sink (after scrubbing it and bleaching it first)
    Made sausage, barley & kale stew for dinner
    Been unable to locate a dividend cheque for £265 that came in the post last week…

    muddywhitechicken
Page 312
    • muddywhitechicken
    • By muddywhitechicken 5th Jun 18, 10:02 PM
    • 3,922 Posts
    • 36,058 Thanks
    muddywhitechicken
    Hello

    There are not enough hours in the day, I need to quit working! (Actually I am seriously considering going back to college in September 2020 (aged 49 & 3/4) to study for RHS qualifications in horticulture although that does seem an awfully long time away...)

    My garden is looking lovely; well apart from a few bare patches in the lawn resulting from overexuberant use of an electric rake/scarifier thingy - oops

    There isn't much money saving going on here. I was seduced by the SR catalogue and the 20% Chelsea week discount (+5% TCB!) and spent £60 on container plants

    We're still eating endive, chard and rocket from the winter salad leaves although I don't include them in the official figures: I picked 42 large bags of mixed salad from the garden @ 86p/bag

    My big focus at the moment is on diet and exercise. I've lost 10 pounds since 1 January (16 pounds if you include the 6 pounds I gained in the first 3 months of the year ) and I'm nearly back to my goal weight. I'm averaging 15,000 steps/day (anyone else doing the GC?), pilates twice/week, gym 3-4 times/week and dance fit once/week.

    I can't think of any new recipes to share - sorry Greying - we've been eating old favourites. Planning to cook Diana Henry's Greek chicken on Sunday.

    Finishing this quick update with some sad news - Miss LRH III and Miss B II have gone to the big chicken coop in the sky since my last post We're thinking about getting some replacements on our return from holiday although Miss Nasty Pecky Chicken is still with us and she will be horrible to any newbies

    MWCxxx
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£29,500
    Current total overpayments: ~£128,750
    • Greying Pilgrim
    • By Greying Pilgrim 6th Jun 18, 6:47 AM
    • 4,391 Posts
    • 49,496 Thanks
    Greying Pilgrim
    Aw, sad news about the chucks But they will have had a great life with you, which is important.


    Sounds like life is ticketty-boo with you both


    And yay! to career change choices - do what makes your heart sing, if you can, when you can.


    Greying X
    'Ich habe genug' 'Your Vibe attracts your Tribe'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • greent
    • By greent 6th Jun 18, 3:10 PM
    • 7,508 Posts
    • 76,205 Thanks
    greent
    Sorry to hear about the chooks 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
    • CathT
    • By CathT 10th Jun 18, 8:31 PM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Sorry to hear about the girls.


    15k steps a day is great especially if you have a sedentary job. What's GC? I assume a challenge? Sounds like you are doing really well. I'm doing similar but am trying to do weights more regularly to increase my strength and get to eat more in the future!
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • muddywhitechicken
    • By muddywhitechicken 30th Aug 18, 7:04 PM
    • 3,922 Posts
    • 36,058 Thanks
    muddywhitechicken
    Hello I hope that everyone's had a fabulous summer - wasn't the weather glorious?

    I'm back and I need to put my head on as on 30 August 2019 we head off on a no expense spared 15-night trip to Ecuador & Galapagos

    I've made a start by winning 10p on TCB

    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£29,500
    Current total overpayments: ~£128,750
    • Greying Pilgrim
    • By Greying Pilgrim 30th Aug 18, 7:35 PM
    • 4,391 Posts
    • 49,496 Thanks
    Greying Pilgrim
    I've made a start by winning 10p on TCB A win, is a win, is a win!
    Originally posted by muddywhitechicken




    Ay up muddy! How lovely to *see* you


    Was thinking of you the other day.... was looking at pom-pom makers at the time.......


    Glad to hear all well, and that you've mucho, mucho to look forward to


    Greying X
    'Ich habe genug' 'Your Vibe attracts your Tribe'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • muddywhitechicken
    • By muddywhitechicken 30th Aug 18, 7:50 PM
    • 3,922 Posts
    • 36,058 Thanks
    muddywhitechicken
    Was thinking of you the other day.... was looking at pom-pom makers at the time.......
    Originally posted by Greying Pilgrim


    I need to add "start knitting little smoothie bottle hats" to my to do list!
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£29,500
    Current total overpayments: ~£128,750
    • muddywhitechicken
    • By muddywhitechicken 30th Aug 18, 8:32 PM
    • 3,922 Posts
    • 36,058 Thanks
    muddywhitechicken
    Another quick win should be an underspend on the grocery budget in September and October

    I still need to meal plan but I’ve checked our calendar and there are only 21 days between 1 September and 31 October when we are both home for dinner
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£29,500
    Current total overpayments: ~£128,750
    • apple muncher
    • By apple muncher 15th Sep 18, 7:24 PM
    • 7,915 Posts
    • 59,928 Thanks
    apple muncher
    Hope you are both together today - isn't it your anniversary?!
    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
    • muddywhitechicken
    • By muddywhitechicken 15th Sep 18, 9:09 PM
    • 3,922 Posts
    • 36,058 Thanks
    muddywhitechicken
    Yes! Mr MWC has been working in Paris this week so I joined him on Friday for a romantic weekend and then on Monday I’m accompanying him on a business trip to the Faroes for 3 nights
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£29,500
    Current total overpayments: ~£128,750
    • apple muncher
    • By apple muncher 16th Sep 18, 8:00 AM
    • 7,915 Posts
    • 59,928 Thanks
    apple muncher
    Awesome stuff!
    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
    • greent
    • By greent 16th Sep 18, 12:43 PM
    • 7,508 Posts
    • 76,205 Thanks
    greent
    Have a lovely time!
    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
    • Greying Pilgrim
    • By Greying Pilgrim 15th Oct 18, 11:23 AM
    • 4,391 Posts
    • 49,496 Thanks
    Greying Pilgrim
    Dearest mwc

    Assuming that the Faroes didn't go claim yours & Mrmwc's heart, and you've upped sticks and moved there permanently May I ask a pom-pom related question?


    Do you have any fool-proof hacks on how to 'tie' the centre, without all the 'pom' bits escaping? I'm using acrylic yarn, so it can stand a bit of tightening, but it still relaxes slightly as I'm knot tying or trying to secure it. I am using a pom-pom 'maker' one of those plastic, 2 halves, clippy jobs - if that has any bearing.


    TYIA


    Greying X
    'Ich habe genug' 'Your Vibe attracts your Tribe'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • muddywhitechicken
    • By muddywhitechicken 16th Oct 18, 3:23 AM
    • 3,922 Posts
    • 36,058 Thanks
    muddywhitechicken
    Hello Greying

    The Faroe Islands were stunningly beautiful - I wish I could share photos easily. After spending 1.5 weeks in Canada with my aunt and Mr MWC, I’m currently in the USA on business.

    I’ve never had any problems using acrylic yarn to make pom-poms but then I only make little pom-poms and I never got around to using my plastic pom-pom maker (I use the cardboard from cereal packets and draw round a 10 pence coin with a little hole in the middle). I only knot the yarn a couple of times.

    Will try to catch up soon but must get to bed now as I’ve got a 7 o’clock breakfast meeting...

    Love to all,
    MWCxxx
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£29,500
    Current total overpayments: ~£128,750
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