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  • FIRST POST
    • AlexLK
    • By AlexLK 8th Mar 15, 11:07 PM
    • 6,066Posts
    • 32,097Thanks
    AlexLK
    Renovations and Repayments.
    • #1
    • 8th Mar 15, 11:07 PM
    Renovations and Repayments. 8th Mar 15 at 11:07 PM
    Hello and welcome to visitors familiar with my journey thus far and are surprised to see me on such a sensible board and a further warm welcome to the new faces wondering what they've let themselves in for.

    Let me begin by clarifying a few points: the first one is I am not sure whether I'm actually serious or not about clearing my mortgage and the second is the fact my house needs quite a bit of work doing to it. This work I do myself and in the time my wife and I have lived in the house we've learnt all kinds of new skills. The current project involves renewing the windows and I am making the frames myself, two are done and I'm pleased to say look great.

    I plan to use this mortgage free (how very grown up) diary to document the renovations and my savings activities, out of which overpayments may or may not be made. However, I am fully committed to long term saving and making as much money as possible. A long term goal of mine is to add to the BTL portfolio I shall one day inherit and am already becoming more involved in which is perhaps a good reason to pay my mortgage off and make my current property into an investment.

    Aside from the recent interest in moneysaving I have a four year old son, run my own company, play and teach the violin and piano whilst studying for my own interest. Oh and don't mention the cars.

    Those familiar with my debt-free diary will know I'm not exactly great at record keeping but am trying to improve, so please don't expect the detailed financial updates others seem to put on here. To kick things off, I suppose I ought to confess the mortgage debt is a total of circa 185,000 and I have no real timescale or plan in mind to pay it off.

    Sorry if this is not a particularly articulate introduction, as I seem to be at a loss how to tailor it to both those who've read my debt free diary and to new readers frequenting mortgage free.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
Page 156
    • maman
    • By maman 12th Jul 17, 10:54 AM
    • 17,927 Posts
    • 107,313 Thanks
    maman
    Many Congratulations to LittleK . You must be so proud.


    Glad you've had that conversation with MrsK. If it helps her to plan an activity in advance then so be it. Involving LittleK in the decision would help too as it would show him that his mum is thinking about him. But that's hardly necessary between collecting him from your cousin and bedtime. They could just potter about, maybe in the kitchen!
    • AlexLK
    • By AlexLK 12th Jul 17, 9:32 PM
    • 6,066 Posts
    • 32,097 Thanks
    AlexLK
    Your wife sounds terrified of being alone with her son. I do feel for her, but it needs to be overcome for both of their sakes, and yours!

    You mention painting, is that something that could become their shared thing that they bond over, as you do with his music? Often musical children are talented at other arts too and if your wife can teach him some techniques I bet he'd be delighted to learn, and it would give them something to focus on besides each other and the awkwardness they must both feel during their time alone together.

    Of course you aren't going to send him away, he's your child and he belongs at home with his parents!
    Originally posted by Red-Squirrel
    I think she wants to try to make an effort but I agree. I've told her it's not really fair to my cousin and such days will be few in number.

    He really enjoys drawing and painting, so I think that is definitely something they could do together.

    Many Congratulations to LittleK . You must be so proud.


    Glad you've had that conversation with MrsK. If it helps her to plan an activity in advance then so be it. Involving LittleK in the decision would help too as it would show him that his mum is thinking about him. But that's hardly necessary between collecting him from your cousin and bedtime. They could just potter about, maybe in the kitchen!
    Originally posted by maman
    Thank you, maman. We both are. I was quite surprised just how much a fuss my wife made of him. My in-laws are coming around on Saturday to listen to him play and have a musically related gift which I think he will be delighted with. My father was really pleased with the result and has promised to take him out for a cup of tea and a cake. Inevitably, I'll go too. Mother wasn't quite so encouraging, wanting to know what he should be doing to receive a better mark.

    I think it would be a good idea for them to plan in advance, between themselves on such an occurrence. However, I see what you're saying re. not a lot really needing to be planned for.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • AlexLK
    • By AlexLK 12th Jul 17, 9:35 PM
    • 6,066 Posts
    • 32,097 Thanks
    AlexLK
    July Targets:

    How are we over 1/3 the way through this month already?

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay 1,000 (/ 4,000 to pay)
    Total Grocery Spend: 115 / 400.
    New bedtime routine: 10/31.
    Meditation: 10/21.
    Keeping organised: Have been avoiding things for the past few days, need to get back to it. Job for tomorrow, I think as it's a bit quieter.
    Spreadsheets / Money tracking: Updated.
    De-clutter and Sell: / 3 items. Including the car I've been meaning to sell for a couple of months now. Really struggling to motivate myself with this.
    Books read for pleasure: 1 / 3.
    Prep tasks for course: 1 / 4.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.Been playing piano a lot and am learning a new sonata. Hoping to keep this one new piece per month up for the foreseeable future.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • AlexLK
    • By AlexLK 13th Jul 17, 8:42 PM
    • 6,066 Posts
    • 32,097 Thanks
    AlexLK
    July Targets:

    How are we over 1/3 the way through this month already?

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay 1,000 (/ 4,000 to pay) On track to pay.
    Total Grocery Spend: 125 / 400.
    New bedtime routine: 11/31.
    Meditation: 11/21.
    Keeping organised: Not sure why I'm avoiding things at the moment other than a few changes which are happening. Perhaps I'm trying to avoid the inevitable re. changes.
    Spreadsheets / Money tracking: Updated.
    De-clutter and Sell: / 3 items. One item for sale.
    Books read for pleasure: 1 / 3.
    Prep tasks for course: 1 / 4.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.

    Had a generally quiet day.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • Calfuray
    • By Calfuray 13th Jul 17, 8:46 PM
    • 988 Posts
    • 5,919 Thanks
    Calfuray
    Hey Alex, finished catching up on your diary and decided to de-lurk. I noticed you saying a few pages ago that you were looking at programming stuff for school, I'm a Software Engineer, please feel free to message you me if you need a hand with anything.

    *goes back to lurkdom*
    • cazmanian_minx
    • By cazmanian_minx 17th Jul 17, 8:49 PM
    • 4,011 Posts
    • 18,477 Thanks
    cazmanian_minx
    Yesterday, I told my mother when she was causing a fuss about the house being passed through the generations that I may sell it and start an Aston Martin collection. She was furious. It amused my father, though with a warning about not being able to run / maintain the AMs if I sell the other property too.
    Originally posted by AlexLK
    Alex, I've not read anything on the internet for a long, long time that made me laugh as hard as this did Absolutely EPIC takedown, well done that man!
    Home: 06/08: 145,145.00 Currently: 114,428.66 Offset: 51,337.84 Amount paid off: 30,716.34 (21.2%) Paying interest on: 63,090.82
    Holiday let:
    02/17: 177,416.86 (Family loan: 129,146.86 + 0% cards 48,270.00) Currently: 169,836.86 Amount paid off: 7,580.00 (4.22%)
    Sugar days 2017: 17/26 Debt-free: 17/02/2017
    • heartbreak_star
    • By heartbreak_star 20th Jul 17, 10:55 AM
    • 7,610 Posts
    • 16,788 Thanks
    heartbreak_star
    I was wondering if your dad might want some cream for that amazing burn haha! Well done Alex!!

    I'm loving new Alex and how wonderfully you deal with things I have started a new job in Quality, it's full-on and a bit intimidating, but I'm enjoying it

    HBS x
    I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another.

    #JC4PM
    • AlexLK
    • By AlexLK 22nd Jul 17, 11:01 PM
    • 6,066 Posts
    • 32,097 Thanks
    AlexLK
    July Targets:

    I don't really know how the week has passed so quickly. Been very busy since the last time I posted on here, generally very positive though. Anyhow, it's summer now.

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay 1,000 (/ 4,000 to pay) Paid.
    Total Grocery Spend: 260 / 400.
    New bedtime routine: 19/31. Not updated because I have been going to bed early. Looks like I need to find a new time to update.
    Meditation: 11/21. Not really using this for sleep at the moment but do when sleep is harder to come by.
    Keeping organised: Getting there but seem to have a lot to organise at the moment.
    Spreadsheets / Money tracking: Need to update this, although July hasn't been a great month (lots of expenses).
    De-clutter and Sell: / 3 items. One item for sale. Think this is going to need to be my main target for August.
    Books read for pleasure: 2 / 3.
    Prep tasks for course: 2 / 4.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.

    Hey Alex, finished catching up on your diary and decided to de-lurk. I noticed you saying a few pages ago that you were looking at programming stuff for school, I'm a Software Engineer, please feel free to message you me if you need a hand with anything.

    *goes back to lurkdom*
    Originally posted by Calfuray
    Thanks, Calfuray. I may take you up on that offer at some point.

    Alex, I've not read anything on the internet for a long, long time that made me laugh as hard as this did Absolutely EPIC takedown, well done that man!
    Originally posted by cazmanian_minx
    It was worth it if only for my mother's reaction.

    I was wondering if your dad might want some cream for that amazing burn haha! Well done Alex!!

    I'm loving new Alex and how wonderfully you deal with things I have started a new job in Quality, it's full-on and a bit intimidating, but I'm enjoying it

    HBS x
    Originally posted by heartbreak_star
    Seem to be getting there at the moment, it's been a long time coming. Glad to hear you're doing well and enjoying your new job.

    I've taken my father to a few medical appointments and the specialist asked what changes I've noticed. Don't think the specialist was ready for my response of "well, recently he seems to have developed a sense of humour".
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • kelpie35
    • By kelpie35 22nd Jul 17, 11:29 PM
    • 1,551 Posts
    • 5,019 Thanks
    kelpie35
    Alex, thank you for your update.

    You are doing so well and what comes through is your positive attitude, well done.

    I hope you, your wife and son have a lovely summer.

    Take care.
    • AlexLK
    • By AlexLK 26th Jul 17, 1:42 PM
    • 6,066 Posts
    • 32,097 Thanks
    AlexLK
    Thank you, Kelpie.

    The weather is awful today so I'm trying to get organised. I do want to keep updating the diary as it does help me to focus. Past couple of days have been difficult to stay positive and keep the bedtime routine but I've done it. My parents are really struggling at the moment. Father isn't too well and mother has become very agitated about his future.

    Lots of MSE things I wish to get done over summer. Also need to make my mind up how I'm going to pay for my course. My parents are happy to pay but I think it is time they stop funding my education. I'm considering getting back into a little antiques dealing as that would fit nicely around what I'm doing school / property wise as well as keep me in touch with values etc. However, this time I don't want to borrow from the property business for capital as I have a couple of watches which I haven't worn in many years which would raise c.20,000. If I don't make anything in a year, just under half the money raised will pay for the course and I'll put the rest towards the mortgage.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • themadvix
    • By themadvix 27th Jul 17, 10:40 AM
    • 1,668 Posts
    • 9,716 Thanks
    themadvix
    Sounds like a great idea to sell the watches to fund the course Alex. Hope things improve with your parents soon - remember to remove yourself from their company if needed!
    OPs 2017 = 3103
    S&S ISA 2017 = 626
    OPs 2016 = 6142.12
    Starting balance 2012: 132000; balance Dec 2017: 96,822
    MFW2017 no. 38
    • AlexLK
    • By AlexLK 27th Jul 17, 10:43 AM
    • 6,066 Posts
    • 32,097 Thanks
    AlexLK
    July Targets:

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3. Not really done or planned anything else for this summer at the moment.
    Debts: Pay 1,000 (/ 4,000 to pay) Paid.
    Total Grocery Spend: 310 / 400.
    New bedtime routine: 25/31. Only two "late" nights and they weren't late by my standards.
    Meditation: 14/21.
    Keeping organised: Struggling with this somewhat.
    Spreadsheets / Money tracking: Need to update this, although July hasn't been a great month (lots of expenses). Still need to update, still avoiding.

    De-clutter and Sell: / 3 items. One item for sale. Think this is going to need to be my main target for August.
    Books read for pleasure: 2 / 3.
    Prep tasks for course: 2 / 4. 2 will be carried over into August.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • AlexLK
    • By AlexLK 27th Jul 17, 10:44 AM
    • 6,066 Posts
    • 32,097 Thanks
    AlexLK
    Sounds like a great idea to sell the watches to fund the course Alex. Hope things improve with your parents soon - remember to remove yourself from their company if needed!
    Originally posted by themadvix
    Well, I hoping profits from selling other things will fund but if not it's not the end of the world.

    My parents are really struggling at the moment.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • Suffolk lass
    • By Suffolk lass 27th Jul 17, 7:25 PM
    • 1,978 Posts
    • 20,666 Thanks
    Suffolk lass
    Come on Alex, get that spreadsheet reviewed by close on Monday, ready for the new month! End of nag... Have a great holiday, whatever you do. We are off on our road-trip on Monday. I can't wait!
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save 12k in 2018 #53 - after March 19.96% 1,996.19/10,000 5.04% behind
    OS Grocery Challenge 2018 spent 721.33/3,000 including stores so far 24.04% of my annual budget at the end of April
    My DFD is here
    • AlexLK
    • By AlexLK 27th Jul 17, 10:24 PM
    • 6,066 Posts
    • 32,097 Thanks
    AlexLK
    Come on Alex, get that spreadsheet reviewed by close on Monday, ready for the new month! End of nag... Have a great holiday, whatever you do. We are off on our road-trip on Monday. I can't wait!
    Originally posted by Suffolk lass
    My wife has said something similar. She told me I'm quick to update when the finances are showing an upwards trend but avoid it when things are not as positive. Things are not dire but we have had better months. May be the reason I'm also avoiding MSE a little too.

    We've things to look forward to this holiday but will also be having a fairly quiet time too. I am a little reluctant to plan too much - September is set to be busy.

    Road trip? Where are you going?
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • Suffolk lass
    • By Suffolk lass 27th Jul 17, 11:03 PM
    • 1,978 Posts
    • 20,666 Thanks
    Suffolk lass
    We are driving to the north of Italy over several days - basically driving in the morning/early afternoon and then exploring and eating in the town we are staying in, then driving on the next day. We have done it before and choose different places to stay on the way down - Trier was a revelation (I believe it was where Charlemagne had his headquarters so plenty of history, also Luxembourg City with a post-Tour de France gala one year). This year we are staying in Netherlands, Luxembourg (not the city), Germany and a small place just through the Brennar Pass outside Bolzano (we like Sud Tirol) before a week in a Villa at the same time as the Blues Festival at Malcesine on Lake Garda (the Villa is a short drive from there), then a few days in a hotel we know well in the Dolomites before back via Germany and Netherlands. I drive as I enjoy it and my husband does the commuting driving the rest of the year. I really enjoy the drive as part of the holiday. We take a local ferry (less than 20 miles from home) so it feels as though the holiday starts straight away. Ooh I feel quite excited now!
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save 12k in 2018 #53 - after March 19.96% 1,996.19/10,000 5.04% behind
    OS Grocery Challenge 2018 spent 721.33/3,000 including stores so far 24.04% of my annual budget at the end of April
    My DFD is here
    • A Frayed Knot
    • By A Frayed Knot 27th Jul 17, 11:12 PM
    • 2,372 Posts
    • 10,567 Thanks
    A Frayed Knot
    Come on Alex, get that spreadsheet reviewed by close on Monday, ready for the new month! End of nag... Have a great holiday, whatever you do. We are off on our road-trip on Monday. I can't wait!
    Originally posted by Suffolk lass
    Was just thinking, we have the luxury of putting things off. Think of Little LK when he doesn't want to do his homework. There you are - treat it as homework , that your not allowed to "put off"

    Great to see (read) all the positives coming out in your posts. You have came a very long way
    And had a good giggle at your reply to the Dr at your dad's appt, about him now having a sense of humour loved your reply I do think you may have enjoyed giving that answer

    And also love the way you just casually mention a couple of watches you have not used in a while. est 20,000 some wouldn't even see that money in a year, never mind in 2 watches

    Keep up the good work, have a great holiday and . . . . get your homework done
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    Target 19 months 5/24
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • AlexLK
    • By AlexLK 1st Aug 17, 10:34 PM
    • 6,066 Posts
    • 32,097 Thanks
    AlexLK
    We are driving to the north of Italy over several days - basically driving in the morning/early afternoon and then exploring and eating in the town we are staying in, then driving on the next day. We have done it before and choose different places to stay on the way down - Trier was a revelation (I believe it was where Charlemagne had his headquarters so plenty of history, also Luxembourg City with a post-Tour de France gala one year). This year we are staying in Netherlands, Luxembourg (not the city), Germany and a small place just through the Brennar Pass outside Bolzano (we like Sud Tirol) before a week in a Villa at the same time as the Blues Festival at Malcesine on Lake Garda (the Villa is a short drive from there), then a few days in a hotel we know well in the Dolomites before back via Germany and Netherlands. I drive as I enjoy it and my husband does the commuting driving the rest of the year. I really enjoy the drive as part of the holiday. We take a local ferry (less than 20 miles from home) so it feels as though the holiday starts straight away. Ooh I feel quite excited now!
    Originally posted by Suffolk lass
    Sounds fantastic, SL. I'd love to do something like this in the Daimler one year.

    Was just thinking, we have the luxury of putting things off. Think of Little LK when he doesn't want to do his homework. There you are - treat it as homework , that your not allowed to "put off"

    Great to see (read) all the positives coming out in your posts. You have came a very long way
    And had a good giggle at your reply to the Dr at your dad's appt, about him now having a sense of humour loved your reply I do think you may have enjoyed giving that answer

    And also love the way you just casually mention a couple of watches you have not used in a while. est 20,000 some wouldn't even see that money in a year, never mind in 2 watches

    Keep up the good work, have a great holiday and . . . . get your homework done
    Originally posted by A Frayed Knot
    You're right, AFK, I need to stop putting things off.

    Trying to stay positive. Had a good (impromptu) weekend away. We went on Friday afternoon and got back late on Sunday. Yesterday and today have both been a bit of a write-off for me as I cannot seem to motivate myself.

    Re. my father. Yes, I enjoyed giving the answer. We still have no diagnosis. The medical profession believe his changes in behaviour are MH related after extensive investigation. My mother is not willing to accept this and is gravely concerned about his future as she believes the medical profession have missed something. He can be forgetful but his mind does seem to be elsewhere and has been for a while. I know I have been terribly forgetful especially when things were really bad for me. Father seems very regretful of the past but is attending counselling sessions. Had quite a few difficult discussions with him but also found out a lot about his life which I didn't know. He's kept his word over deferring to my methods on such an occasion my son is not behaving as he should be. Really pleased my son seems to have noticed this, is less weary and wants to spend more time with my father.

    I didn't mean to be ostentatious re. watches.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • AlexLK
    • By AlexLK 1st Aug 17, 10:43 PM
    • 6,066 Posts
    • 32,097 Thanks
    AlexLK
    New month, new start re. targets / posting.

    August Targets:

    Summer holiday plans: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay 1,000 (/ 3,000 to pay) This is going to be a challenge this month but I want to get the antiques buying / selling underway and have told Mrs. K this is going to be my first target for that.
    Total Grocery Spend: 40 / 400.
    Keeping organised: 1. Electronically. 2. Paper diary. 3. Payments / invoices. 4. Teaching / course. 5. General business. This month I want to get all systems in place so they just need updating / tweaking.
    Spreadsheets / Money tracking: 1. July - bring up to date. 2. Deal with every week in August.
    De-clutter and Sell: 1. 2x watches, 1x car. 2. Go through one room and set things aside that need to go.
    Books read for pleasure: / 3.
    Prep tasks for course: / 2.
    Last edited by AlexLK; 02-08-2017 at 10:31 PM.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • A Frayed Knot
    • By A Frayed Knot 2nd Aug 17, 12:04 AM
    • 2,372 Posts
    • 10,567 Thanks
    A Frayed Knot
    Sounds fantastic, SL. I'd love to do something like this in the Daimler one year.
    You're right, AFK, I need to stop putting things off.

    Trying to stay positive. Had a good (impromptu) weekend away. We went on Friday afternoon and got back late on Sunday. Yesterday and today have both been a bit of a write-off for me as I cannot seem to motivate myself.

    Re. my father. Yes, I enjoyed giving the answer. We still have no diagnosis. The medical profession believe his changes in behaviour are MH related after extensive investigation. My mother is not willing to accept this and is gravely concerned about his future as she believes the medical profession have missed something. He can be forgetful but his mind does seem to be elsewhere and has been for a while. I know I have been terribly forgetful especially when things were really bad for me. Father seems very regretful of the past but is attending counselling sessions. Had quite a few difficult discussions with him but also found out a lot about his life which I didn't know. He's kept his word over deferring to my methods on such an occasion my son is not behaving as he should be. Really pleased my son seems to have noticed this, is less weary and wants to spend more time with my father.

    I didn't mean to be ostentatious re. watches.
    Originally posted by AlexLK
    There is not one of us, who does not put off "something" till another day. So your just like the rest of us

    And as for not motivating yourself after a lovely weekend away, well can't think of anyone who does

    Hope someone gets to the bottom of your father's condition very soon, always best to know what you are dealing with, that way you can start to tackle it

    I never thought for a minute you were being ostentatious re; the watches. I just love the way it's so matter of fact to you making comments like that Can't help smiling when I see comments like that
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    Target 19 months 5/24
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

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