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  • FIRST POST
    • hiddenshadow
    • By hiddenshadow 15th Sep 15, 9:51 AM
    • 2,482Posts
    • 11,362Thanks
    hiddenshadow
    Mortgage free by 2021?!
    • #1
    • 15th Sep 15, 9:51 AM
    Mortgage free by 2021?! 15th Sep 15 at 9:51 AM
    DH and I bought our house Christmas 2013 and have been overpaying automatically ever since. Original mortgage of £197,100, have managed to knock out £30k since then. We're both well-employed (computer programmers), no kids, though we do have a pair of dogs and a pair of cats.

    Our mortgage fix is up in December, so we've refinanced for 5 years and managed to shave almost 2% off the interest as well. By agreeing to up our agreed payment to the amount we've been overpaying so far (£1,350 rather than £778) we'll reduce our remaining term from 23 years to 11.75.

    I was playing around with the budget this week, as we ought to be able to live off one salary and save the rest. With that number (£2,750) as a monthly payment, we should be able to pay off the loan in 6 years. Would be really nice to get that down to 5 so that we don't have to refinance again, but paying off almost 200k in 8 years is still pretty exciting.

    Current Goal - June 2018 - Balance below £100,000

    Past Goals
    * December 2017 - Balance below £105,000 (£104,645.69 December 2017)
    * November 2017 - Daily interest below £7 (£6.98 November 2017)
    * April 2017 - Balance below £110,000 (£108,597.74 April 2017)
    * March 2017 - Daily interest below £8 (£7.86 March 2017)
    * February 2017 - Balance below £115,000 (£113,932.35 February 2017)
    * February 2017 - Monthly interest below £250 (£248.27 February 2017)
    * December 2016 - Balance below £120,000 (£119,900 December 2016)
    * November 2016 - Daily interest below £9 (£8.52 November 2016)
    * October 2016 - Balance below £125,000 (£124,999.99 October 2016)
    * September 2016 - Balance below £135,000 (£132,991.85 September 2016)
    * August 2016 - Balance below £140,000 (£139,700.00 July 2016)
    * June 2016 - Balance below £145,000 (£142,927.47 June 2016)
    * April 2016 - Monthly interest below £300 (£293.59 April 2016)
    * April 2016 - Balance below £150,000 (£149,847.03 March 2016)
    * April 2016 - Daily interest below £10 (£9.99 March 2016)
    * March 2016 - Balance below £155,000 (£152,953.85 February 2016)
    * January 2016 - Balance below £159,500 (£158,711.69 January 2016)
    * December 2015 - Balance below £161,800 (£161,771.90 December 2015)
    * December 2015 - Balance at/below £164,280 (£162,636.18 November 2015)
    * December 2015 - Balance below £165,000 (£164,907.08 November 2015)
    Last edited by hiddenshadow; 31-12-2017 at 10:16 AM.
Page 56
    • lippy1923
    • By lippy1923 31st Dec 17, 10:20 AM
    • 1,245 Posts
    • 3,472 Thanks
    lippy1923
    Hey Hidden! Its been a long time but I have finally caught up with your diary. You have certainly achieved a lot over the last year. Well done
    Total Mortgage OP £24,500
    House Value £280,000 Mortgage £82,299
    Emergency Fund £24,000

    • hiddenshadow
    • By hiddenshadow 31st Dec 17, 1:49 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    Thanks lippy. Nice to see you around again.
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • hiddenshadow
    • By hiddenshadow 2nd Jan 18, 2:06 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    Budget Analysis
    We completely re-organised our budgets post-move, so this is only based on data since August.

    All percentages are based on our income.

    UK BUDGET
    Transfer to Euros: 41.91%
    Savings: 25.23%
    Mortgage: 15.63%
    Loan: 5.57%
    London Trips (mostly work): 1.91%
    DH Allowance: 1.89%
    My Allowance: 1.08%
    Misc: 0.91%
    Transfer to Dollars: 0.85%
    Gifts: 0.42%
    Charity: 0.41%
    Life Insurance: 0.20%

    Would like to get the charity number up this year.

    IRISH BUDGET
    Rent: 44.91%
    Savings: 23.99%
    Car Insurance: 5.49%
    Groceries: 4.16%
    Travel (mostly work): 3.05%
    Household: 2.29%
    Natural Gas: 2.11%
    Car Taxes/Fees: 2.01%
    Pets: 1.89%
    Medical: 1.89%
    Health Insurance: 1.84%
    Petrol: 1.24%
    Internet: 1.08%
    Electricity: 0.67%
    Phone: 0.59%
    Horses: 0.47%
    Contents Insurance: 0.40%
    Misc: 0.35%
    Waste/Recycling: 0.33%
    Pet Insurance: 0.26%
    Eating Out/Takeaways: 0.24%
    Allowances: 0.17%
    Vet: 0.16%
    Gifts: 0.15%
    Work: 0.11%
    Culture & !!!!: 0.08%
    Parking: 0.06%

    I'm pretty happy with that, aside from spending 11.85% of our budget on car/transport. Could be worse, though. It'll definitely be nice having that 45% of our budget back once we buy a house and are MF.
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • hiddenshadow
    • By hiddenshadow 2nd Jan 18, 2:17 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    Hope everyone had nice holidays. Ours was very quiet, just us and the pets. DH and I exchanged quite practical gifts, which was nice. (On the other end of the spectrum - our gift to BIL was to contribute towards a chair which retails for over £5k I think it's used so a bit cheaper, but still..!!)

    I've had today off due to an extra day of holiday carried over from last year, so I've just been pottering around.

    Bit of progress towards goals:
    - went for a run yesterday, which went well
    - think I've decided how much I want to request for my raise, still have no idea how to actually request it (beyond pointing out that I've been working insane hours and have completed every project handed to me on time or early, I'm not sure how best to illustrate that it's much cheaper/better to give me X as a raise than to hire an extra dev for some multiple of X...though they should do that too, we're still understaffed!)
    - researched US flights a bit, think we can go for ~£800 which would be quite good, need to figure out luggage options as we'll be carrying back horsey stuff with us (which has been languishing in my parents' basement for almost 8 years!)

    Otherwise generally being a bit lazy/fatigued. Back to work tomorrow though, boo!
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • hiddenshadow
    • By hiddenshadow 5th Jan 18, 8:09 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    Quiet rest of the week. Been dealing with fatigue and brain fog, so just as well that work was extra-quiet.

    No major financial news, except that we got the last of our interest from our T$B accounts. We've decided to pay off the loan that we stoozed from nationwide, as that's currently our highest interest debt (by 0.5% over the mortgage ). Won't be complete until Monday when we can get the final payoff figure from the bank, and had to raid the EF to do it, but DH gets his quarterly bonus this month so that will replenish it anyway.

    Quick goals update...

    Goals

    Personal
    • Health/exercise: Horse riding 0/3 Barn opens next week!
    • Health/exercise: C25K Week 5 started on week 3, lost a couple of days this week to fatigue
    • US Trip: Look into flights have tentative dates planned

    Financial
    • Mortgage balance: £103,847.46/£103,855
    • Sell the house: Draft letter to tenants (who asked for first right of refusal) still to do
    • 2018 Rent: €6,350 currently have €5,200

    Career
    • Research current positions to figure out what sort of raise to request need to write up my thoughts, if only for my own use
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • FloppyDisk
    • By FloppyDisk 11th Jan 18, 10:32 PM
    • 629 Posts
    • 4,227 Thanks
    FloppyDisk
    I LOVE what you do to your data.

    Mortgage- £415,836
    BTL- £162,782

    • hiddenshadow
    • By hiddenshadow 12th Jan 18, 6:05 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    I LOVE what you do to your data.
    Originally posted by FloppyDisk
    Thanks - I'm all about the geeking out over data (and/or spreadsheets).
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • hiddenshadow
    • By hiddenshadow 13th Jan 18, 7:47 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    More goal updates...

    Goals

    Personal
    • Health/exercise: Horse riding 1/3 Good ride today, sensitive mare this time...just my type
    • Health/exercise: ZR5K Week 4 switched to Zombies, Run! 5k program because my C25K app was bugging me and this one includes some other exercises, just finishing week 2
    • US Trip: Look into flights have tentative dates planned

    Financial
    • Mortgage balance: £103,847.46/£103,855
    • Sell the house: Draft letter to tenants (who asked for first right of refusal) still to do
    • 2018 Rent: €6,350 currently have €5,200

    Career
    • Research current positions to figure out what sort of raise to request need to write up my thoughts, if only for my own use

    DH and I also chatted today about the car and I think we're both happy to drive it (figuratively) into the ground. We don't want to sink too much into it if/when it starts to deteriorate, but it's still pretty low mileage and works for our needs, so no rush to swap it out. Perhaps when we're MF and have loads of savings set aside we'll decide to change it sooner rather than later, but in the meantime we'll stick with no car payments/selling and buying hassle.

    Also on the subject of cars, I should be able to drive here. I'm going to investigate a learner's permit and see if I could get my license pretty quickly (as I already know how to drive). Then I can just not drive for 3 more years and count as an "experienced" driver again and hopefully not have to pay tons for car insurance.

    We're finally planning to explore a bit next weekend. We need to head to Dublin anyway to get pet food, so we'll detour on the way home and explore the likeliest looking town for when we move. It's about the same distance from Dublin as we are now (possibly a bit closer), but in a much cheaper county, so worth exploring.
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • FloppyDisk
    • By FloppyDisk 17th Jan 18, 12:12 PM
    • 629 Posts
    • 4,227 Thanks
    FloppyDisk
    I am a big fan of the zombie run app. I find it great for distracting you enough to just get on a run and find I go much further than I do in silence. I haven't done one of the training plans before though.

    Mortgage- £415,836
    BTL- £162,782

    • hiddenshadow
    • By hiddenshadow 18th Jan 18, 3:06 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    I was listening to podcasts/audiobooks before, but I find it much easier/more motivating to run to something with a beat/tune.

    Bit disappointed that ZR has swapped to a subscription model for the main app...think it's £24/year which isn't horrible compared with a gym membership (but then I wouldn't get one of those anyway ).

    The 5k app is a one-off fee of £5 I think, so I may get that and then see if I want to keep with the ZR theme once I'm consistently doing a 5k distance.

    My only complaint about the ZR app is that it's not always clear what you're meant to be doing. This past run was 30s run, 5x heel lifts (the training bit), then 1min walk...repeated. First few times were fine, the audio just said "do x", but the last one they got clever and rather than say "ok now run for 30 seconds" they had a storyline as to why you were running....but they never said "stop and do heel lifts" or "now walk for 1min", so it just bled into the longer run/walk section at the end, which means I skipped heel lifts and ran longer than I was meant to.

    They do the same with the first bit...after your warmup they do a little rundown of what the day's exercises will be, but it's never obvious if you're meant to just keep walking while they do that (which is boring after 10min of walking already!) or if you're meant to start running (which is what I usually do but then after they eventually finish their rambly intro they finally say "ok, now go run").

    Minor quibbles, all told. I'm not really a zombie person (haven't watched The Walking Dead or any of those shows), but it's entertaining and (mostly) well-done.

    Today's meant to be a run day (well, yesterday was) but I'm still exhausted. Hardly slept on Monday night and am still dragging. Plus our needy cat has gone missing so we were out looking for him this morning, which tired me out a lot more than it should (but at least I've walked 2km today, if nothing else).
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • ChasingSunshine
    • By ChasingSunshine 20th Jan 18, 10:24 AM
    • 129 Posts
    • 994 Thanks
    ChasingSunshine
    Just a quick bit about the ZR main app. You can unlock an episode for free every 6 days obviously doesn't help if you are running very frequently but might work for occasional run or if you start now will have a few unlocked by the time you finish the 5k training app and can decide if want all the features.

    I have been lurking on your thread for a long time now and really following your progress. I'm originally from near Offaly and the cost of living there is so much lower than where I am now (London) and obviously other parts of the country are cheaper again. Not sure it's enough to convince me to move home just yet (or ever) though especially when reading some of the hassle you had with the move.
    • FloppyDisk
    • By FloppyDisk 21st Jan 18, 10:33 AM
    • 629 Posts
    • 4,227 Thanks
    FloppyDisk
    Ah I just do the story missions so I haven't ventured into the training plan bits yet, sounds like you need that plus a stop watch too.

    Mortgage- £415,836
    BTL- £162,782

    • hiddenshadow
    • By hiddenshadow 21st Jan 18, 7:57 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    Just a quick bit about the ZR main app. You can unlock an episode for free every 6 days obviously doesn't help if you are running very frequently but might work for occasional run or if you start now will have a few unlocked by the time you finish the 5k training app and can decide if want all the features.
    Originally posted by ChasingSunshine
    Ah, yeah, I'd forgotten that they unlock things gradually. I'd probably be fine with that, really, as I'm also happy to just go out with some music and no zombies if I'm waiting on another mission to unlock. (I only got through 3 missions on season 1 last time, apparently!)

    I have been lurking on your thread for a long time now and really following your progress. I'm originally from near Offaly and the cost of living there is so much lower than where I am now (London) and obviously other parts of the country are cheaper again. Not sure it's enough to convince me to move home just yet (or ever) though especially when reading some of the hassle you had with the move.
    Oh, nice to meet someone who's on a similar (if opposite) journey. I'm still amazed at the COL differences...our rent is probably similar to our mortgage payment (once you factor in exchange rate), but this is a 3-bed detached on 1/2 acre (that's probably 10% bigger than our house), whereas our house is a 3-bed townhouse with about 50sq m as a garden. And even with DH flying back and forth to London I think we're spending much less on "commuting" costs. (I don't even want to know what we'd be paying for rent in London these days...our friends live in a 2bed in zone 3 and I think they're paying something like £1,450/mo now, and their flat is a dump because the landlord refuses to fix anything.)

    I think we'd rank our move much higher if it weren't for the internet. I was so confident that I'd researched things and knew how/when we could get faster internet, so finding out that even going through those steps (as stupidly painful as they were!) didn't do any good...that's annoying, especially as we're renting here for 2 years. Literally every other house within 1/4 mile is setup for 100Mb fibre but because there isn't an exchange box on the telephone pole outside our house, we can't get it. (Until the infrastructure gods smile on us and hook up a box, but that seems unlikely just for 1 house.)

    Still, at least we know that now, and can be more aware of the options for when we move again. We're still debating buying a site and building vs buying something already in place, and my big fear of building our own is all the hassle in getting decent internet hooked up.
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • hiddenshadow
    • By hiddenshadow 21st Jan 18, 7:59 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    Ah I just do the story missions so I haven't ventured into the training plan bits yet, sounds like you need that plus a stop watch too.
    Originally posted by FloppyDisk
    I haven't tried the training plans within the main ZR app, the 5k stuff is a separate app entirely. So far (fingers crossed) no extra equipment required.
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • hiddenshadow
    • By hiddenshadow 21st Jan 18, 8:32 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    Quiet weekend here...I've been dragging all week since I was ill on Monday night. No running, barely any walking (my leg's been weak/sore). I had to skip riding yesterday, which was extra disappointing because I wanted to try a longer lesson than I've been doing. And now it's Sunday night again, and I still feel exhausted facing the work week.

    Trying to be kind to myself about all of this, given I can't control it and have done everything I can to be easy on myself, but it's hard. DH is off to London this week as well, so I hope I'm less tired by the time he goes.

    We were going to explore a different county today to see what it looks like as a possible place to move, but it's been super windy and rainy so we didn't fancy driving all over the place. Fingers crossed next weekend is better weather.
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • michelle09
    • By michelle09 21st Jan 18, 9:06 PM
    • 785 Posts
    • 4,336 Thanks
    michelle09
    Hope the leg feels better soon. Can you rest up this week at all?
    • hiddenshadow
    • By hiddenshadow 22nd Jan 18, 7:21 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    Not really, when DH is in London and I'm on my own with the pets. I may skip working in our new office (as it's upstairs) so that I don't have to navigate them myself or shepherd the old dog down them (he's been falling on them lately).

    I'm still using a crutch today around the house, but I am a bit better than yesterday. Fingers crossed I'm more improved tomorrow.
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • hiddenshadow
    • By hiddenshadow 28th Jan 18, 8:47 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    January Goals
    Personal
    • Health/exercise: Horse riding 3/3 Counting this as a win even though I only went twice...rode for an hour instead of 30min this weekend
    • Health/exercise: ZR5K Week 4 made it through week 2 before fatigue hit
    • US Trip: Look into flights booked flights and everything!

    Financial
    • Mortgage balance: £103,847.46/£103,855
    • Sell the house: Draft letter to tenants (who asked for first right of refusal) done...it's complicated
    • 2018 Rent: €6,350/€6,350

    Career
    • Research current positions to figure out what sort of raise to request currently on hold due to work chaos

    Pretty good month overall, with a few less-than-ideal bits.

    Health-wise, I lost over a week with severe fatigue. I skipped riding last weekend, but kept with it this weekend. I didn't expect to be able to manage a 60 minute lesson, but somehow it worked. (Quite sore today, though! Rode the squirrelly mare again and she was very distracted and bolt-y...it was a fun ride, but wow are my shoulders/seatbones sore today.)

    US trip - figured out dates that work with our holiday allowances and my parents and went ahead and booked it. Missed out on a possible discount in the meantime, but still paid a decent amount...just over 2x what my mother paid for her solo ticket to visit us next month, and April is a more popular time to travel than February.

    House sale - we contacted the tenants last week, hoping they would reply to us directly. Instead, they replied via the estate agents, so they're now aware of the situation. (Possibly not an issue, but I wouldn't be surprised if they claimed they're owed sales fees for us selling to the tenants.) It's likely irrelevant, as the tenants apparently aren't in a position to get a mortgage for at least a year due to being self-employed. They're still eager to buy, but want to explore a rent-to-own arrangement until they can get a mortgage. We're not sure how that will work, how long they would want it to run, and what sort of situation we'd be in at the end of it...we'll investigate a bit this week, but I think the most likely outcome will be that we sell to someone else at the end of the tenancy. Bit disappointing as it would be nice and simple to just sign paperwork with tenants and be done.

    Work has been super chaotic, upper management is shuffling things around and re-organising the team. No idea when performance reviews will even happen, but if the chaos doesn't settle down in the next few weeks I'm likely to job hunt anyway, so perhaps the review/raise discussion is irrelevant.

    Our clingy/needy cat has disappeared. He usually goes out for about 5 minutes at a time, just wandering around the front/back of the house, but we haven't seen him for over two weeks. There's still hope that he'll turn up again, but I'm not confident. (As a silver lining, management cat is blossoming as an only cat, she's really turning into a people cat! By her standards, anyway, lol.)

    We went exploring this weekend to see potential areas for us to live in...quite pleased with what we saw, both existing properties (€100-200k, depending on size/location) and land for building (€20-80k, again depending on size/location). Not sure yet which direction we'll go, but it's nice to have options. (Though the downside to that is that I want to go house shopping RIGHT NOW.) Have also chatted with our bank here regarding a mortgage (in case the timing makes more sense to get a mortgage here for a year and then pay it off with house proceeds)...we would need a 20% deposit to secure a mortgage, but should be able to qualify for up to €400k (even including our current rent/mortgage payments but not rental income...bit shocking.)

    Also met up with a potential new friend this weekend...she has a sheep farm and is looking to get into spinning yarn. As we're both new to it, we had a nice chat about learning how it works, farming, life in Ireland, etc. We'll be going to a day-long course next weekend which should be a lot of fun.

    Overall I'd say a neutral start to the year...if clingy cat returns, I'd upgrade that to quite satisfactory. Who knows, he has 3 days to turn January around. (Odd as we spent the majority of our interactions with him yelling at him to give us personal space, but once he's not around constantly bugging you for cuddleses you miss it.)
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • hiddenshadow
    • By hiddenshadow 29th Jan 18, 7:04 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    January Retrospective
    January OPs: £0.00

    Current (offset) balance: £103,847.46
    Month we’d be in to get to our current balance without OPs: August 2027 (+1 month)

    2018 Overpayments: £0.00
    2018 Interest Saved: £0.00

    Total Overpayments/Offsets: £68,918.78
    Total Interest Saved: £55,727.46

    Daily Interest: £6.85 (down £0.06)
    Monthly Interest: £211.96 (up £5.19) <-- more stupid 31 day months!
    January 2017 Interest: £256.82 (down £44.86)
    January 2017 Daily Interest: £8.28 (down £1.43)

    House Bricks: 1

    Mortgage reduction: £798/£104,646 (0%) (Average: £798.23/mo)

    Bit sad to not break 4 figures, but that's what pausing OPs will do.

    Net worth increase: £25,553/£150,000 (17%) + €571/€20,000 (2%)

    No miracles here re: the sudden increase on the UK side, DH just finally got around to checking the value of his pensions after 6 months.

    MFIT-4: £55,652/£90,000 (61%)

    Out of the green for the first time this quarter. Should catch up later this year though!
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
    • hiddenshadow
    • By hiddenshadow 29th Jan 18, 7:16 PM
    • 2,482 Posts
    • 11,362 Thanks
    hiddenshadow
    February Goals
    Personal
    • Health/exercise: Horse riding 0/4 bit ambitious based on January!
    • Health/exercise: Zombies Run Week 4 this is only 2 weeks but I'd rather ride than run if I only have energy for one thing

    Financial
    • Mortgage balance: £103,055 tempted to get this below £103,000 but will be good and follow the budget
    • Sell the house: Investigate rent-to-own option
    • 2018 Rent: €7,500

    Career
    • Look for a new job work is not showing any signs of improving...had thought about staying through 2018 in case we need a mortgage but...not worth the stress/aggravation...not in a rush on this, but may as well start seeing what's out there
    MFW: £197,100 (2013) to £99,838 (June '18)
    2018 MFW #56: £4,806/£105,000 4% / MFiT-T4 #15: £59,661/£90,000 66%
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