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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,892Posts
    • 10,153Thanks
    Kittenkirst
    Getting a mortgage and then becoming mortgage-free!
    • #1
    • 5th Feb 16, 10:35 AM
    Getting a mortgage and then becoming mortgage-free! 5th Feb 16 at 10:35 AM
    Hi all!
    So from my title you may have guessed I don't yet have a mortgage, however I am hoping that will all change within the next few weeks.
    I will then start on overpaying the mortgage and really penny pinching to try and reduce it down as much as possible!

    I'm hoping this is alright to start my diary in here? :-)

    The story so far, my lovely girlfriend and I have been discussing getting a place together for some time. We started looking at houses (al very small and far from her parents- which is a no-no, we want to be close to them to visit regularly). Last weekend we went to see a new build development and fell in love with a house- less than 2 miles from her parents, perfect size for the two of us and within our budget (from getting mortgage in principle information and confirming monthly payments were well within our budgets).

    Sooooo we took her parents round for their seal of approval, spoke with an agent we know through the family about pertinent questions to ask, did lots of number crunching and then placed a reservation.....

    ....so we've now got paperwork from solicitors re the conveyancing etc and paperwork from the mortgage advisors to sort out this weekend.
    We have re-jogged our budget to ensure we had the deposit in savings by end of Feb (we thought we'd have a few months before we found anywhere) so are ready to almost hand over 18500 :O

    I have agreed to move into her parents house and pay rent in mid March to prevent paying rent, bills and food (will save an extra 500 a month) so we should be in a good position for when the house is ready September/October time!

    Does anyone have any hints or tips so far?

    Our brokers/solicitors are ones recommended by family who've used them and really recommend them and we've sense checked the rates the solicitors charge to ensure its competitive.
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
Page 63
    • Kittenkirst
    • By Kittenkirst 3rd Mar 18, 8:58 AM
    • 1,892 Posts
    • 10,153 Thanks
    Kittenkirst
    The poor little birdie made a reappearance last night- Oscar came scampering through to the front room with an excited Hugo in tow with the bird in mouth.

    It has now had a little ceremonial burial out in the snow in the back garden- poor little thing. Weve ordered some new collars with bells on for them both to see if that will help reduce the amount of little burials we have to conduct.

    Meant to be off to a pamper party at yoga today but the snow has come down quite heavily last night- so much so that the WiFi is off for Sky in our local area. Will keep an eye on social media to see id it I s still running- quite looking forwards to 90mins yoga, eyebrow threading, nice supper and mocktails though so fingers crossed the stars align

    Made a cute photo yesterday using an app called WordSwag- downloaded a 2018 calendar from Pinterest and then have overlaid the monthly payments over it- looks pretty snazzy and hoping by adding to it monthly itsanother little motivator to keep up the tilly tidies and the survey efforts.

    Hope everyone is faring well in the bad weather- if we get out to yoga we are planning on calling in on gfs parents elderly neighbours on their road to see if they need any supplies etc theres a few lovely couples on their street and whilst Im sure they are probably more resilient than me itd give me peace of mind.
    Last edited by Kittenkirst; 03-03-2018 at 12:01 PM.
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • michelle09
    • By michelle09 3rd Mar 18, 9:26 AM
    • 777 Posts
    • 4,278 Thanks
    michelle09
    My main concern is that we are both in our 20s and that pensions have got a lot worse in the last 10 years. This way we have covered all our bases. It would be much easier if we could see into the future and know the right way to do it!

    Is there any potential for equity in GF's flat?

    Wow, I am impressed that Hugo went out in this weather, our fluffball has been hiding, it's really funny.
    • Kittenkirst
    • By Kittenkirst 3rd Mar 18, 12:01 PM
    • 1,892 Posts
    • 10,153 Thanks
    Kittenkirst
    It is on interest only at the moment. Now our mortgage has been agreed she could look at changing to capital repayment Mortgage however with the rent and the service charges etc she makes no money on it at all.

    I think she wants to draw the line under this and move on if she can and stem any future losses. Which makes sense to me especially if rates increase as The rent won!!!8217;t increase at the same rate unfortunately.

    Both kittens are loving the snow- weirdos!
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 3rd Mar 18, 1:26 PM
    • 1,892 Posts
    • 10,153 Thanks
    Kittenkirst
    Been faffing with my accounts app today.

    I have a sharesave scheme with my workplace that runs for another two years. The option price for the this years scheme is released on Monday but given the current share price it is looking to be 35p a share cheaper than my current scheme (2017)

    If this is the case I!!m going to cash in my 2017 scheme middle of April which will give me 1680 to stash into standard savings. I would then take the 140 I was paying into the 2017 scheme and add 50 I was planning to put into the 2018 scheme so I am saving 190 a month into the 2018 scheme with the lower share price at the end.

    I have been looking at laser eye surgery now the teeth are nearly completed. I would need to go to a few places for consultations as I am not sure exactly why surgery I would need yet to then work out if I can afford it this year.

    It would be great to be able to go surfing, snorkelling, kayaking in Oz without the worry of losing glasses/wearing contact lenses but potentially getting eye infections from water etc.

    It is just an idea at the moment and one I will work through the costings etc before taking the plunge. However everyone I have ever spoken to who has had the surgery has thoroughly recommended it.

    Something to mull over.

    Received my retainer yesterday from the dentist and wore it to bed. Its actually pretty comfortable to wear so going to wear it at home (just not on Work calls etc) so that it gives the best benefit.

    1 interest received on the joint acct so it has been OPd starting the ball rolling on the March OPs.
    Last edited by Kittenkirst; 03-03-2018 at 5:51 PM.
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 4th Mar 18, 8:28 AM
    • 1,892 Posts
    • 10,153 Thanks
    Kittenkirst
    Awake early thanks to being pounced on by Hunter Hugo at 5.39am. Crazy kitty!

    Pinecone survey completed so will be able to OP that hopefully this week.

    Little mse win yesterda-my- went to the gym and was going to call at tesco on way home but we decided we have enough in to make a variety of foods. When Home we were both tempted by Turkish take out being delivered as we were tried &hungry (& lazy!) after the gym. We got as far as looking at the menu on just eat (via Quidco obvs!) before we realised we were being frivolous and unhealthy.

    Instead I made a veggie mince spaghetti bol- added some red lentils, grated courgette & carrots to up the nutrition and bulk it out. Served with some fancy frilly spaghetti style pasta it was delicious. Plus the big win is gf has always been resistant to adding lentils to dishes (bulks out and adds protein) but as I cooked it alone last night so was able to sneak it in. She knew the lentils were in there but suprisingly she couldn!mttaste or tell (other than from seeing them) so we will add them in future.

    2 portions leftover for either tomorrow night when Imhome late froom Work, gym & yoga for on a spud or will pop in freezer.

    Saved at least 17, saved a lot of calories and we both felt better so it was a great decision.

    Saw on MadVixs diary about homemade falafel so will see if we can try that this week- we have tinned chickpeas, frozen (YS) pittas, garlic, lemon etc in the house so would be another veggie dish for the repertoire if we like it

    Hunter Hugos hunting prowess seems to be growing- we have had another vole this morning, however Jean realised that if we know he has it we will catch it and release it. So this morning we were chasing him round the house whilst he growled at Oscar- not sure if the vole was dead but then I heard a loud crunch so the poor little soul had passed definitely by that point. The garden is becoming a woodland cemetery- ordering the collars with louder bells tonight! :/

    Time to shower and head out to yoga- we have a family lunch seeing gfs brother and family- meeting at a pub halfway between us and them so not long to get ready after yoga and get on the road for food. Will be nice to see them as not seen them since mid December
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 5th Mar 18, 8:10 AM
    • 1,892 Posts
    • 10,153 Thanks
    Kittenkirst
    Lovely afternoon with the family. I enjoyed a huge Sunday roast and shared a Bakewell tart slice which were both delicious.

    Gf has left early to head north for the next two days, I was planning the gym and would leave the house when she did however this morning the warm cosy bed won! (The DOMS in my stomach and legs from the weekend also helped convince me haha!)

    3.50 tilly tidy paid this morning from the joint account.

    Ive also managed to book a full head colour and cut at the nice salon I went to around this time last year - they have graduate stylists needing practice so its 20- im booked in for next Thursday but going to call this morning and see if I can get in on Wednesday instead and shuffle my work calendar around. That way its sorted for our friends wedding on Friday. Fingers crossed!!

    Working from home today but Work calendar is chaotic today so making a nice brew (ground some free beans up yesterday using the Ninja) and will get started for the day
    Last edited by Kittenkirst; 05-03-2018 at 8:27 AM.
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • ch4rly2002
    • By ch4rly2002 5th Mar 18, 9:29 AM
    • 358 Posts
    • 1,508 Thanks
    ch4rly2002
    Hi KK, just catching up with your diary. My BIL had laser eye surgery and he said it's one of the best things he's done. My only concern would be leaving enough time to heal between the op and the holiday, but other than that I think it sounds like a great idea to be free of glasses for the hol, assuming all goes well with the consultants. You're doing the right thing by thinking it through thoroughly, saving and planning to speak to consultants

    Well done on not succumbing to the takeaway. I find that very hard when I'm tired from work, so good on you for having the willpower to say no to takeaway after a gym work out! It sounds like it was a lovely meal too. I'm going to try making some veggie meals with meat substitutes and not tell DH beforehand to see if he actually likes them. Do you have any favourite recipes you really enjoy that you think a devout meat eater might enjoy?

    I'm sorry to hear about the animals I have spent many a morning running round the kitchen with a plastic bowl chasing local wildlife and finding suitable spots to release them. I've only ever had one brought back a second time so hopefully that will be a rare occurrence for you. It's so sweet that you gave them a little burial
    Savings: Aim 13.5k. Dec 2016 1,700 / Feb 2018 12,350
    Mortgage: Dec 2014 -216,000 / Mar 2018 -191,390
    BTL Mortgage: Dec 2014 -136,000/ Feb 2018 -123,400
    CC 0%: Nov 2016 -4,500 / Feb 2018 -3,368.27
    Loan to In-Laws: Sep 2010 -48,185.82 / Mar 2018 -30,065.49
    Student Loan: March 2011 -18,275.04 / April 2017 -14,003.85
    • themadvix
    • By themadvix 5th Mar 18, 9:35 AM
    • 1,668 Posts
    • 9,726 Thanks
    themadvix
    BusyMee's made sweet potato falafel - they sound yummy too!

    Re laser eye surgery - if you decide you don't have time/money before holiday, you can get prescription swimming goggles made up for about 30 (I think). We've not got them, but after losing our glasses on holiday last summer, we certainly will be before doing any more sea adventuring! Great for snorkelling too.
    OPs 2017 = 3103
    S&S ISA 2017 = 626
    OPs 2016 = 6142.12
    Starting balance 2012: 132000; balance Dec 2017: 96,822
    MFW2017 no. 38
    • Kittenkirst
    • By Kittenkirst 8th Mar 18, 1:33 PM
    • 1,892 Posts
    • 10,153 Thanks
    Kittenkirst
    The week has slipped away from us somewhat- falafels been added to next weeks list instead now!

    We have the day off today to prep for our good friends wedding tomorrow-we are staying at the hotel overnight and have planned to make use of the gym and pool facilities on Saturday morning followed by joining the wedding party for cream tea Saturday afternoon.

    Been and got the last bits for the wedding present- making a wicker hamper with travel treats (inflatable neck pillows, sweeties, travel toiletries, a smartphone fan etc) which we will put together with a guide to south Australia and some Australian dollars ready for their honeymoon in a fortnight

    Went to yoga first thing this morning, followed by picking gf up from dropping her dads car off for the MOT and then went to the gym. We then had a coffee date at Starbucks using our cards which was nice and chilled.

    Managed to pick up a new hot cloth cleanser from superdrug- I had been using the Liz Earle tester Which is lovely but I cant justify the expense. I googled online and the superdrug own brand one is highly recommended. At 5.99 and bogof it meant we topped up our moisturizer as the freebie. Result! Also grabbed an own brand dry shampoo for 1.50 to try in the gym bags as we use it a fair bit to save washing hair every day!

    Now we are chilling with a spot of master chef having made brunch- I had English muffin with fried eggs and trimmed bacon yum! Gf had scrambled egg whites beans and trimmed bacon. All from the freezer/cupboards rather than branching out.

    Sharesave price has been released now and is 67p a share cheaper than last years fund. So, Ive decided to cancel my 2017 one in Mid April which I put 140 a month into. I will get back 1640 (not bad!)
    Ive then set up two new sharesaves- a 3 year plan for 150 a month to replace the 2017 one, and one for 50 on a 5year plan as I had budgeted open a new one for 50 this year. They start as of Mays pay packet

    Called Clydesdale to check interest applied on the first and it was very pleasing as the interest rate did change on the 19th so our monthly interest was 316.49 so averaged 11.30 a day. Aprils interest should be around 230-256 but Im always a little out when working out interest, but cannot wait! The OPs will really start to make a difference now!
    Last edited by Kittenkirst; 08-03-2018 at 1:44 PM.
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • try harder
    • By try harder 8th Mar 18, 3:26 PM
    • 784 Posts
    • 3,018 Thanks
    try harder
    So pleased to hear that you new interest rate has been applied what a difference it will make over time i know you have been very excited waiting for it to start.

    Your wedding gift sounds absolutely lovely ,what a lot of thought went into it ,a lovely present to put together and a lovely present to receive have a lovely day tomorrow.

    Everybodys loving Busy Mees falafels yum
    • Kittenkirst
    • By Kittenkirst 8th Mar 18, 8:07 PM
    • 1,892 Posts
    • 10,153 Thanks
    Kittenkirst
    I do hope they like it, we cheekily found some bushtucker lollies with various creepy crawlers and have tucked those in for a giggle and added some chocs for the flight and some boiled sweets for takeoff/landing too! It looks pretty nice all wrapped up in cellophane with a big ribbon on it

    Im really looking forward to seeing their pics and hearing their stories when they are back, always good to get peoples personal experiences of various things and they are starting in sydney which is where our Australia part of the holiday is starting.

    Getting all prepped for tomorrow so off for a bath and then to do mine and gfs nails and toe nails then get packed!
    Last edited by Kittenkirst; 08-03-2018 at 8:15 PM.
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Busy Mee1
    • By Busy Mee1 9th Mar 18, 7:16 AM
    • 599 Posts
    • 2,711 Thanks
    Busy Mee1
    Hi KK - your wedding gift sounds lovely. I always feel that wedding gifts are a bit impersonal these days because everyone understandably asks for money, but that sounds so thoughtful.

    I can indeed recommend the sweet potato falafel, cheap tasty and healthy
    • Kittenkirst
    • By Kittenkirst 9th Mar 18, 7:46 AM
    • 1,892 Posts
    • 10,153 Thanks
    Kittenkirst
    SO excited for the wedding today! Having a cuppa with the gf as we have done the normal chores (washed the pots, bins & recycling out, hoovered downstairs and wiped down all work surfaces ) and then its time to get cracking!!

    Cant wait to see the dress, just hope I can hold back the happy tears
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • michelle09
    • By michelle09 9th Mar 18, 9:58 AM
    • 777 Posts
    • 4,278 Thanks
    michelle09
    I am really wary of laser surgery. I know people who have had it and love it and people who regretted it (my mother works in the optics industry) but if your eyesight deteriorates then you can't wear contact lenses. To me it's not worth ending up back in glasses. Although I tend to be wary of new things, maybe in 10 years.

    That hamper sounds wonderful. So thoughtful, and I'm sure they'll love it! Hope you have a great day, and the couple have a great start to their marriage!
    • Kittenkirst
    • By Kittenkirst 10th Mar 18, 3:02 PM
    • 1,892 Posts
    • 10,153 Thanks
    Kittenkirst
    Oh Michelle, I had not heard about that part- not being able to wear contact lenses...I will do some more researching though before I make a decision.

    The wedding was simply wonderful yesterday. Such a lovely couple, so well suited with a lovely family. The day itself was great and we had a great night dancing away although gf took ill in the evening, we went up to the room where she was sick, we went back down for a while to join in the festivities but called it a night at 11.30pm, where she promptly fell asleep as soon as we got to the room. We therefore decided to just do the breakfast today and skip gym/swim. As the morning wore on it was clear the cream tea was a no-go so we hugged the bride and groom and then came home.

    Now chilling on the sofa with Hugo watching Wonder Woman, whilst gf snoozes on the other sofa with Oscar.

    Spends were minimal compared to budget as I didnt drink much, so just some lattes and fruit juices when we arrived yesterday and a drink for the groom the room at the stately Home was wonderful too!

    I have called the climbing centre nearby and we have booked in for the first of 3 learned sessions for Monday night- eeeek exciting.

    We also spoke with the leisure centre to book the swim lessons, they wanted 100 for the three Fridaysin March left and then April, but if we go and book gf in on 1st April she will pay 100 for all of April and May. I quickly worked out she gets one extra lesson for the same cost if we just wait three weeks so we have made her an appointment for start of April to register the swimming class.

    We have discussed booking the outdoor kayaking sessions for mid May (after payday) then gf will have had 6 swim lessons and hopefully not be as anxious about going in the water

    Getting lots of the plans started and ticked off which feels great. Off to read some diaries and snuggle little Hugo!
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 11th Mar 18, 2:50 PM
    • 1,892 Posts
    • 10,153 Thanks
    Kittenkirst
    A lovely chilled afternoon yesterday and a nice morning of yoga and spending time with the gf.

    Off to her mums this afternoon for takeaway pizza (mums choice, our treat)as she is tired from work and doesnt fancy going out, just wants a nice dinner with her girls As she calls us

    Small OP of 46p overpaid- now at 7.96.

    Some cashback on Quidco has cleared so I have requested it- only 1.50 but it will be OPd once it clears Paypal.

    Managed to resist the urge to buy another travel guide for the Australia trip in WH Smiths the other day (when we got one for the wedding gift)- I was carrying it round the shop until I had a stern word with myself. I got home from the shops, checked ebay and have now won the bid for 4.70 including postage. Much better than the 15.99

    A quick check on Onepoll for a 15p survey and on Prolific and have completed one survey so will be at 1.31- need to take lunch breaks and start checking it a bit more regularly. That is my aim this week as I wanted to try and average 20 a month if possible- so far its 23.89 so I have some catching up to do.

    Going to make some leek and potato soup using some YS goodies we got on Thursday- new potatoes and leeks so will make a batch and the. Have lunches for at work in the week and possibly Tuesday night after my course. rest of the leeks will be chopped up and frozen for use in pies etc in future!
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • michelle09
    • By michelle09 12th Mar 18, 5:50 PM
    • 777 Posts
    • 4,278 Thanks
    michelle09
    It's because the laser changes the shape of the cornea. Still, it works for a lot of people!

    Hopefully gf is feeling a bit better?

    Do you have a local library? I am horrible person and pick up travel guides from the library and return them after I've been on the trip. Then you can read loads!
    • themadvix
    • By themadvix 13th Mar 18, 11:36 AM
    • 1,668 Posts
    • 9,726 Thanks
    themadvix
    Nothing horrible about that Michelle - that's what they're there for! Surely they expect people to take travel guides away with them? I certainly do! They're expensive to buy for one trip and soon out of date (and, as you say, you can read more!). Our last holiday, I have to confess, the guide covered many more places than we were going, so I snapped pics on my phone of the relevant bits and took that with me - it saved on weight. As I wouldn't have bought the book anyway, as I'd got it from the library, I didn't feel too guilty about this.

    I've just cashed out on PA, Kitten, but I need to focus more too - catching them is tricky.
    OPs 2017 = 3103
    S&S ISA 2017 = 626
    OPs 2016 = 6142.12
    Starting balance 2012: 132000; balance Dec 2017: 96,822
    MFW2017 no. 38
    • Kittenkirst
    • By Kittenkirst 14th Mar 18, 6:33 AM
    • 1,892 Posts
    • 10,153 Thanks
    Kittenkirst
    Morning!
    Michelle- the library is a great idea, I will go and have a nose at what they have when Im next in town and its open

    NSD yesterday as worked from home and then went to class in the evening. Leek & potato soup was delicious and there are two portions now in the freezer too. A big bag of chopped leeks has also been added to the freezer as well as a bag of winter root veg that was going really bendy (ooops) so it is now all chopped ready for a soup/stew etc

    Got a little bit impatient and OPd an extra 30 I had spare on Sunday evening ...on the slow procession to payday on Friday which Im eager to do for the money shuffle.

    First rock climbing lesson went well on Monday although its pretty frightening- I climbed twice and both times got 1/3rd of the way up the massive wall (30metres I think they said), our friend rocketed right up to the top on his first go which gives me motivation to try again and try to quiet the fear of heights. Gf did really well too I was so impressed!

    Gf has heard from our more local pool about individual swimming lessons from mid April so just waiting for her to confirm and we should be good to get our practice in on that front too!

    Hair cut & colour today (20 graduate stylist deal!) and then off to Birmingham to see a band with my bestie! Been looking forward to seeing Feeder for ages as they are one of the bands I used to always see every tour when younger. Making sure my Fitbit is charged to capture the moshing/bouncing
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • themadvix
    • By themadvix 15th Mar 18, 9:27 AM
    • 1,668 Posts
    • 9,726 Thanks
    themadvix
    We did a climbing course a couple of years ago and I found I wasn't too keen. I didn't ever fall though, and I don't think that helped - if I'd learnt to trust the belayer, I think it might have been easier (less so once you get onto free climbing, but that's another matter!).
    OPs 2017 = 3103
    S&S ISA 2017 = 626
    OPs 2016 = 6142.12
    Starting balance 2012: 132000; balance Dec 2017: 96,822
    MFW2017 no. 38
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