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  • FIRST POST
    • Calfuray
    • By Calfuray 5th Nov 12, 11:34 PM
    • 993Posts
    • 5,920Thanks
    Calfuray
    MFW Diary - Take 1!
    • #1
    • 5th Nov 12, 11:34 PM
    MFW Diary - Take 1! 5th Nov 12 at 11:34 PM
    Hello! Brand new, squeaky-clean newbie here, although I've been lurking for a while.

    A wee bit about myself: from Scotland, live with my partner (hubbie in '14) and had our mortgage since 2009. We are young 'uns(!) and as such don't earn much. My OH works in an industry that's not done well with the recession, he was down to 4-day weeks for a while but managed to get back to a full working week. I am a student and work part-time.

    When we first got the mortgage I was a month shy of 20, and we signed up to a 35 year mortgage. Silly, I know. I want to OP as much as possible so we are not in our 50's when it finishes! I worked out that if we OP 100 a month, the mortgage would end 14 years early.

    Mortgage at highest: 58,896
    Mortgage currently: 57,282.32
    Highest APR: 5.98%
    Current APR: 3.99%
    OPs since Oct 12: 200

    The only other money we owe is a loan for 5,000.
    Savings of 1800.

    All I can think of just now! Looking forward to updating this diary
Page 42
    • Watty1
    • By Watty1 19th Oct 17, 11:00 AM
    • 2,992 Posts
    • 21,303 Thanks
    Watty1
    It's up for sale!
    Originally posted by Calfuray
    Wow !! Exciting times ahead
    Mortgage at start of diary Sept 2013: 132,995 Aug 2015 0
    Overpaid next mortgage. 79,491 down to 27152
    Changing focus for now
    • Calfuray
    • By Calfuray 19th Oct 17, 9:11 PM
    • 993 Posts
    • 5,920 Thanks
    Calfuray
    Exciting times cal!
    Originally posted by SuperSecretSquirrel
    Wow !! Exciting times ahead
    Originally posted by Watty1
    Thank you both We actually got a phonecall today, have a viewing booked for tomorrow. Trying to not get my hopes up. No wonder people say buying/selling a house is so stressful!
    • Fortune Smiles
    • By Fortune Smiles 21st Oct 17, 8:18 PM
    • 2,877 Posts
    • 23,880 Thanks
    Fortune Smiles
    Good luck with the sale - it'll all be worth it.

    Fortune x
    Mortgage: 7% paid Overpayments: 2205.18 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • Calfuray
    • By Calfuray 7th Apr 18, 5:54 PM
    • 993 Posts
    • 5,920 Thanks
    Calfuray
    Once again, it's been a while.

    So what's been happening?

    The house was sold a couple of months ago, to the 3rd viewer, for 98.5% of the home report value. I was very happy to be proven wrong on my usual pessimism.
    The sale wasn't 100% without drama, most of it due to FTB misunderstandings/nerves. It culminated in the buyer trying to sue us and then disappearing into the woodwork red-faced.
    Very glad that is all over!

    Unfortunately, since January my husband has been experiencing symptoms which rapidly got worse over the past 6 weeks. It's been a rollercoaster, and now he's been diagnosed with 3 separate genetic diseases. One of them will need life-long management and injections, and one of them has caused a permanent, incurable disability.
    My only silver linings are the NHS, that he's not in any pain, and that my job has been very flexible and kind.

    Bit of a downer to post, sorry. I don't know how this will affect our finances in the future, with the possibility that he may not be able to work etc. Having to take it in the very short term for now, but once everything settles down, will be able to start making long-term plans.
    I will probably hang around here a bit, but I'm unlikely to post much.

    Hope everyone is well,
    Cal x
    • Calfuray
    • By Calfuray 10th Apr 18, 5:04 PM
    • 993 Posts
    • 5,920 Thanks
    Calfuray
    From what I was posting yesterday, I thought that I better do a calculation of net worth, so we know where we stand.

    Code:
                   CURRENTVALUE            
    Cash:            38,000.00     
    Pensions:        6,869.90      
    Car Value:       3,000.00     
    S&S:             3,071.80            
    Student Loan:    -22,293.47      
    Total:           28658.23
    Student loans still hasn't updated for the year, so this is actually 2017 vales. Same for pension amount.
    • SuperSecretSquirrel
    • By SuperSecretSquirrel 11th Apr 18, 7:48 PM
    • 705 Posts
    • 3,137 Thanks
    SuperSecretSquirrel
    Great news on the house sale Cal! Very sorry to hear about your husband's health

    Mtg [2013 64k|2014 51k|2015 38k|2016 26k|2017 14k] Zero!
    MN [2013-25k|2014-2k|2015+16k|2016+34k|2017+52k] +56,615.31(MFiT4:+60k)
    NW [2013 126k|2014 156k|2015 190k|2016 228k|2017 269k] 278,659.39 (2020:300k)
    FI [2013 -1.2%|2014 2.8%|2015 6.9%|2016 13%|2017 18%] 30.9% (exc SP)
    • Calfuray
    • By Calfuray 12th Apr 18, 7:12 PM
    • 993 Posts
    • 5,920 Thanks
    Calfuray
    Great news on the house sale Cal! Very sorry to hear about your husband's health
    Originally posted by SuperSecretSquirrel
    Thanks SSS We're in the process of getting him registered as sight impaired just now, and speaking to work and college to see if it's going to be feasible or practical for him to complete his college course or continue to work. Once we know the level he is classed as and have advice from a few appointments next week then I'm hoping we'll know more for the future.
    • SuperSecretSquirrel
    • By SuperSecretSquirrel 13th Apr 18, 1:19 AM
    • 705 Posts
    • 3,137 Thanks
    SuperSecretSquirrel
    I hope it's good news on the severity front Cal.

    Is your husband a computers guy? The same kind of thing as you? If so maybe a high contrast screen setting could help? He could end up looking like the coolest retro hipster if he used a matrix style green on black screen... I reckon there could easily be a pay rise in it as he'd look like he really meant business behind a keyboard!

    Best of luck at the appointments

    Mtg [2013 64k|2014 51k|2015 38k|2016 26k|2017 14k] Zero!
    MN [2013-25k|2014-2k|2015+16k|2016+34k|2017+52k] +56,615.31(MFiT4:+60k)
    NW [2013 126k|2014 156k|2015 190k|2016 228k|2017 269k] 278,659.39 (2020:300k)
    FI [2013 -1.2%|2014 2.8%|2015 6.9%|2016 13%|2017 18%] 30.9% (exc SP)
    • Fortune Smiles
    • By Fortune Smiles 13th Apr 18, 7:33 AM
    • 2,877 Posts
    • 23,880 Thanks
    Fortune Smiles
    Oh my Cal! What a time you've had. Good to see you back.

    Big hugs

    Fortune x
    Mortgage: 7% paid Overpayments: 2205.18 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • Calfuray
    • By Calfuray 13th Apr 18, 9:17 PM
    • 993 Posts
    • 5,920 Thanks
    Calfuray
    I hope it's good news on the severity front Cal.

    Is your husband a computers guy? The same kind of thing as you? If so maybe a high contrast screen setting could help? He could end up looking like the coolest retro hipster if he used a matrix style green on black screen... I reckon there could easily be a pay rise in it as he'd look like he really meant business behind a keyboard!

    Best of luck at the appointments
    Originally posted by SuperSecretSquirrel
    Thanks SSS. I got him a tablet so he would have more real estate, we're talking over size 100 font and about 30cm from his face before he can read anything.
    We're hoping he will get classed as the higher level (legally blind) so that we can get more support to be honest, the effects are certainly bad enough.

    However, I am that cool person at work with the Matrix-style terminals

    Oh my Cal! What a time you've had. Good to see you back.

    Big hugs

    Fortune x
    Originally posted by Fortune Smiles
    Thanks Fortune, thanks for stopping by, good to see you. I've been popping in to your shop and FB, are you not drawing any more? Hope the new house is treating you well xx
    • Fortune Smiles
    • By Fortune Smiles 13th Apr 18, 9:22 PM
    • 2,877 Posts
    • 23,880 Thanks
    Fortune Smiles
    Thanks Fortune, thanks for stopping by, good to see you. I've been popping in to your shop and FB, are you not drawing any more? Hope the new house is treating you well xx
    Originally posted by Calfuray
    I'm doing a couple of paintings for the local WI show at the moment but that's all. We moved last year and there's been so much going on I haven't had the chance. I'm hoping to pick my brushes up again in the summer... if it ever gets here.

    Fortune x
    Mortgage: 7% paid Overpayments: 2205.18 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • Calfuray
    • By Calfuray 15th Apr 18, 11:05 AM
    • 993 Posts
    • 5,920 Thanks
    Calfuray
    I hear you on the lot going on when moving, there is so so much it's unbelievable!

    Glad to hear you might pick up the paintbrushes again
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