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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,957Posts
    • 10,552Thanks
    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 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
Page 66
    • A Frayed Knot
    • By A Frayed Knot 14th Apr 18, 3:52 AM
    • 2,473 Posts
    • 10,939 Thanks
    A Frayed Knot
    Sounds as if trip is coming together, what a terrific time you are both going to have.

    As for bathroom decor, ever thought about wall stickers, you can get scenes or sayings from ebay - beach view through windows or bathroom/life sayings.

    Thought this would make you smile -


    https://www.rosegal.com/wall-sticker/cat-animal-3d-removable-bathroom-1207456.html
    Last edited by A Frayed Knot; 14-04-2018 at 4:00 AM.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target 14 months 10/24
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • PurpleFairy26
    • By PurpleFairy26 14th Apr 18, 7:58 AM
    • 2,343 Posts
    • 15,816 Thanks
    PurpleFairy26
    Sounds like you are having a great time planning your time away. We love Bradgate park too can you recommend a yoga place. I've been to one in sileby but they don't do classes at weekends. Thanks.
    • Kittenkirst
    • By Kittenkirst 14th Apr 18, 3:01 PM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    Sounds like you are having a great time planning your time away. We love Bradgate park too can you recommend a yoga place. I've been to one in sileby but they don't do classes at weekends. Thanks.
    Originally posted by PurpleFairy26
    Ooooh PurpleFairy- I've been going to Hotpod yoga in Leicester city entire since it opened in October and can not recommend it highly enough.

    It's based in an inflatable purple pod with low lighting, aromatherapy oils and humidifiers in there. It's wonderfully heated to 37 degrees so you build up a good sweat and it eases your muscles into positions.

    If you fancy giving it a try send me a privately message and I can refer you- you get a free lesson and I get a 5 credit to my account.

    I've heard good things about B-yoga also in town but believe that's a bit stricter (not allowed to drink water in class and longer sessions) but haven't tried it just yet
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 14th Apr 18, 3:02 PM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    Sounds as if trip is coming together, what a terrific time you are both going to have.

    As for bathroom decor, ever thought about wall stickers, you can get scenes or sayings from ebay - beach view through windows or bathroom/life sayings.

    Thought this would make you smile -


    https://www.rosegal.com/wall-sticker/cat-animal-3d-removable-bathroom-1207456.html
    Originally posted by A Frayed Knot
    That is AMAZING! made me chuckle!!
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 14th Apr 18, 3:18 PM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    Dentists went okay, thanks for asking all, but I forgot my trays so they didn't get to do the whitening treatment but they did fix the retainer that had come loose on the back so that is much better. Going back on Tuesday after work to get the final treatment and pay the last installment and then it's all done! Hurrah!

    Pay day was yesterday and received my bonus so the pay day money shuffle has taken place

    I put a portion of my bonus (200) to the Mortgage and alongside our monthly OP of 312.45 (which makes the monthly payment 1k) so its been our biggest OP this year so far.

    It makes our 2018 payments a nice chunky 1,416.26 which is 47% of the target this year.

    The plan is to continue a few months at OP of 312.45 but to taper it off towards our Oz trip and for the month we get back.

    We went for our second climbing lesson yesterday and I still found it nerve wracking! Will continue with the course and then see how confident I feel after it but very glad we are trying it and trying out something new

    Went to the market this morning for our fruit & veg before 10am yoga class, then we went to Costco to look at chicken costs- is actually the same as buying at tesco so will take a look at local butchers next. We ended up spending only 8.70 which is amazing for us in there (dried cranberries for nut/fruit packs in lunches, a mahoosive bag of spinach and a 6 pack of kippers (2 packs now in the freezer) and one out to make kedgeree next week for a supper

    I broke my plan of one bought coffee a week as gf asked me to get her a karak chai (Indian style) from a fab place in town after my 7am yoga class yesterday (as I had the day off so wasn't in a rush) so I picked us both up some and also got her parents a cup each Andy dropped it in for them on the way home (they loved it and were suprised you could get proper Indian spiced tea freshly made) so I've bought two coffees this week for me, totalling 2.60 for a flat white earlier in the week and 6.50 for the four teas yesterday.

    Will try again for next week!
    Last edited by Kittenkirst; 14-04-2018 at 3:37 PM.
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 15th Apr 18, 9:06 AM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    This morning I've woken up with muscle soreness (DOMS) in my shoulders/arms and bum from yesterday's workouts.

    We've signed up with an online fitness coach (who lives in the town next to us so we can go and see him ) to formulate us individual workout plans and provide nutritional advice. We know what we are doing mostly but feel that we've got to a good point but need better direction now to achieve our goals before Australia.

    So I've completed four gym workouts this week- three from the plan, one before I received my plan as well, plus three yoga sessions & a climbing session this week. I was supposed to go to yoga this morning but have a fair bit of DOMs in the shoulders/triceps so the gf and I are heading out for a nice morning walk instead to get moving but not stress the body too much.

    The shock has been the meal plan- he's given us an example for one day as told us to then emulate this with other foods but equalling the macros- on his day there is a lot of asparagus, COD,salmon, asparagus etc so will have a play with that and substitute for more budget friendly but healthy foods

    Also the calorie count is a good 565 per day over what I usually aim for not sure how I feel about it but will give it a go and see for the four weeks! May as well try something new and see how it goes!

    There is also limited cardio- 8minutes twice a week. I've been itching to go for a run now we've had the good weather and have been watching the runners on the treadmill at the gym with some envy I must admit (who'd have thought it!!!!)

    Managed to have a good YS haul at our local Tesco's yesterday- an avocado for 40p, a rotisserie chicken for 1.60, lettuce for 30p and then a cucumber at full price for 50p. So we had a lovely dinner of chicken, Nando's sauce (from a chrimbo gift set), sweet potato Cajun wedges, and a chopped salad. Chickens leftover for a nice salad for lunch and we're off to a friends for dinner this evening
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • MichaelDH
    • By MichaelDH 17th Apr 18, 5:02 PM
    • 129 Posts
    • 554 Thanks
    MichaelDH
    Hey KittenKirst

    Just caught up on your diary - not logged in for ages, new puppy keeping me very busy!!!

    Looks like you are doing great with OP's. I'm a little sad we haven't made any OP's ourselves this year but on the bright side we finally have flooring, sofa, furniture and curtains so I shouldn't complain too much...

    For the downstairs loo, how about a really bright and funky wallpaper? One of the many show houses we saw had koi carp wallpaper in the downstairs loo and I've made a promise to myself that when have building work done and finally have a downstairs loo I'm having the koi carp wallpaper

    Do you have any show homes near to where you live? They are great for getting ideas for decor.
    Starting Balance August 2016: 170,199.00 | Current Balance (4th October 2017): 164,720.53
    OP's to date (starting August 2017): 906.58

    Target: Balance below 160,000.00 by June 2017
    • Kittenkirst
    • By Kittenkirst 22nd Apr 18, 11:00 PM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    Hey Michael, nice to see you posting!

    Sounds like you have had lots of stuff done this year to your home great work!

    We've finally had our blinds fitted on our patio doors, in the kitchen and the small window in our front room. Now the living room had a wallpapered wall its starting to feel more homely, not so much white everywhere!

    Went for gfs first swim lesson today, so I did some lengths- managed 22 in the half hour session which I'm pleased with- I'm not a strong swimmer so will go with her for her lessons and I will practice.

    Had a great yoga session this afternoon too so I'm feeling all relaxed but achey muscled.

    Nutrition & fitness plans are going well- it's quite a change but I'm managing to stick to it mostly- even having plain chicken tikka and salad at an Indian when out with old workmates on Thursday!

    Got some YS teriyaki fish skewers today at Tesco's for 1.40 so had those for dinner with homemade cauliflower mash, brocolli and a side salad.

    No additional ops yet this month- TSB app has had some maintenance this weekend so I shall take a look tomorrow and see if i can TT anything over.

    I need to pay the guy for the blinds tomorrow I mustn't forget!

    Had my last dental appt this week so I am super pleased with my teeth now, and even better was that they told me there was 250 left owing which I was suprised at, so I recalculated and thought i must have made an error so I Rejigged the accounts on my spreadsheet ad in app and paid for it, they called to advise they were refunding as my info was correct. So, it feels as though I have gained 250! Bonus!

    Went into town yesterday with the gf after yoga yesterday and went into Blacks to look at trekking towels- the ones that fold up Uber small and dry dead quick- as we think they'll be perfect for visiting waterfalls/rivers/beaches etc in Oz. I had loooked online and thought the cheapest was 12, but blacks had an offer on of buy one, get one half price so we were going to get one for 15 and the other for 7.50 (wouldn't have to pay postage so worked out the same and we could open it to check sizing etc).
    Anyways, the guy at the till kindly pointed out if we bought a 70p handwarmer each the towels would be just 7.50 each. We put through the purchases separately but then another discount went on meaning we paid 8.06 each and got hand warmers (they are in the box ready for winter for rugby games/football games/bonfire nights etc). BARGAIN

    I also bought myself a cheaply but cute cotton tee for 2.50 in a (smaller than my usual size) 10 and a cutesy off the shoulder floral dress for 13 from primark which feels like a splurge but was super cheap. I also got a surprise cute koala makeup bag for gf to take to Oz- she loves it as it's adorable & practical!!

    Off to catch up with diaries as I've been a bit slack recently with the increased exercising and meal prepping/shopping!
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 26th Apr 18, 9:51 PM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    Evening all you lovely mfw-Ers

    This week has been a long but good week so far, three gym sessions, 2 yoga sessions and started back at college for silversmithing so it's been hectic!

    Managed to finally pick up a Pinecone email and complete the survey in time so have requested to withdraw the 3 for an OP.

    An old regular saver matured and paid 8.21 in interest today (unexpected as I didn't keep it open for the full duration) so that has been OP'd this morning.

    Making a nice 528.91 overpaid so far this month.

    We have booked a little more towards the Oz adventure today in booking a trip across to Fraser Island when we are on the Sunshine Coast. Annoyingly one of our internal Oz flights was cancelled so we have reshuffled the itinerary for that bit and ended up with more time and cheaper flights so it worked out better in the end!

    Yoga in the morning before working from home day tomorrow, then off to the third climbing lesson we're both trying hard with the new nutrition and exercise plans but I had a wobble this evening and succumbed to three naughty shortbread fingers ( I regret Nothing! Haha!)
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 26th Apr 18, 10:01 PM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    Ooooooh also operation use-up is going well with three shower gels now used, two body scrubs & a body lotion all done. We have loads of mini toiletries too so we are using up the older ones/ones we don't like.

    The minis that we like can come with us to Italy in the summer or to mini festivals we have booked
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 27th Apr 18, 11:44 AM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    Unexpected duvet day as I managed to do something rather excruciating to my back this morning

    So I've taken emergency annual leave, been to the docs and now resting with a heated wheat pillow whilst the painkillers kick in

    Not much to do when you're laid up so I've started watching Delicious on Sky- really intriguing drama. I love Dawn French too.

    A quick OP of 2.55 this morning to Tilly Tidy the joint account and updating my spending app following a Lidl food shop last night.

    Looks like a day of boxsets and Australia trip planning now :
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 27th Apr 18, 4:56 PM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    Pinecone credit of 6 has just cleared so I have overpaid that just now so the April Overpayment is now 537.46, making the op for the year so far 1433.02.

    Gf gets her quarterly bonus paid mid May and told me yesterday that she'll make a small OP from it which is fab- even if it's 25 it will all help with crushing down the Mortgage!
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • A Frayed Knot
    • By A Frayed Knot 27th Apr 18, 5:51 PM
    • 2,473 Posts
    • 10,939 Thanks
    A Frayed Knot
    Hope its not too long before your up and about again, but meanwhile rest as much as you need.

    Great use of time - planning more Aussie adventures.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target 14 months 10/24
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • Merchandiser2367
    • By Merchandiser2367 27th Apr 18, 10:10 PM
    • 181 Posts
    • 1,100 Thanks
    Merchandiser2367
    Pinecone credit of 6 has just cleared so I have overpaid that just now so the April Overpayment is now 537.46, making the op for the year so far 1433.02.

    Gf gets her quarterly bonus paid mid May and told me yesterday that she'll make a small OP from it which is fab- even if it's 25 it will all help with crushing down the Mortgage!
    Originally posted by Kittenkirst
    Great reading your diary! Hope your back isn't too bad....had some back trouble in the past and is horrible pain when you jarr/pull it etc. Slept on the floor a few times and felt it really helped the next morning as our old mattress was really soft and provided no support so when I had pulled my back, the stiff floor did wonders!

    Good work on your OP's! You are doing so well on your yearly target already!!
    Mortgage When Started Over Pay 01/11/2017- 146500
    Current Total - 17/09/2018 - 111,062 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1900 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • Kittenkirst
    • By Kittenkirst 28th Apr 18, 1:29 PM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    Afternoon all!
    Back is still pretty darn painful so another day of minimal activity, drugs and trying not to eat allllll the bad food

    I fell off my nutrition plan last night and we had a (YS from freezer) cheese pizza, oven chips, garlic bread and homemade chilli chicken bites. Not the healthiest but I was within my calories for the day but the protein/carb/fat ratios weren't right. Not the naughtiest but it was better than the takeaway I wanted whilst feeling sorry for myself (better nutritionally and financially )

    Back on track this morning with yogurt berry & seeds for breakfast and poached eggs with avocado for lunch

    However, today has been more spendy but not all for me. I have ordered gf parents both new beds on the credit card (they will transfer the cash so we get the avois points) using Quidco so willget 1% cashback (whoop!) then ordered my brother some dvds for his birthday to take over next weekend when we go to visit (also via Quidco for 31p cashback!).

    We've also taken the plunge and booked some tickets to go to SW4 for the day in August together- we've never done a festival together as have different music tastes but the line up for this looks great for us both and we have a group of friends going so we'll hopefully meet up with them. Hotel nearby has also been booked for the night too (only 45 for us both!). Looks like we have loads to look forward to in 2018:

    : gfs 40th present of the hot air balloon
    : Download festival weekend for me (Guns & Roses baby!!!)
    : the wedding in Italy!
    : Pride Festival weekend to see Britney and a good friend
    : SW4 for the day to see Chase & Status, Craig David & Basement Jaxx
    : Seeing Incubus in September with my bestie from school
    : seeing my favourite band- The Used- with my bestie (re-scheduled as the band cancelled their March gig
    : Singapore Grand Prix& East coast Australia trip

    A busy, expensive year but we are trying to keep the balance with being frugal where we can but still enjoy ourselves and make fab memories!

    We've been trying to find ways to be more eco friendly at home and about- we use a lot of water bottles (although I will use the same one daily for a week before getting a new one) but that would still equal 104 bottles per year for us as a couple. Soooooo I have been researching reusable bottles and finally ordered us some stainless steel ones which have an interchangeable sports cap and a pouch too.
    So these, whilst not the cheapest, are better for the environment and we will utilise them on our trips away (e.g filling up with water post security at the airport if allowed!)

    One saving has been that I was researching the plug adaptors we need for Oz, and they are the same as the China ones. So I've gone through the cupboards and managed to find one of the adaptors from China. Will continue having a good old root through the electronics/suitcases etc to see if we have any more to save buying them before the trip. Although I next need to research the Singapore adaptors and see what we need for there.

    Catching up with some Suits with Oscar all snuggled next to me (I think he's secretly trying to steal the wheatbag I have rather than cuddling me ) and going to do some more planning & dreaming of holidays!
    Last edited by Kittenkirst; 28-04-2018 at 2:01 PM.
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 29th Apr 18, 4:07 AM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    Gf went to help the parents out with some decorating last night which meant a late last minute dinner so we ended up with a take-away. 20 later and we had a yummy Turkish meal delivered!

    Our only saving grace is I went via Quidco so 9.20 cashback has tracked and the portions were HUGE so we have plenty for dinner tonight (we have beetroot falafels tonight so leftover rice, salad, hummus & bread will go great!)

    Luckily with some clever ordering the meal wasn't too out of line with my nutrition plan as I managed eat well all day too, although am just itching to be more active. Fingers crossed for a gentle swim (too much?) or at least a small walk tomorrow!

    I'm struggling to sleep with the back pain tonight, so trying to relax and tire myself out- one great thing about being laid up is that I've been able to catch up with lots of diaries which always helps spark ideas for frugalness.

    I must avoid online shopping now especially though as it's so very easy to get sucked in and buy it all.
    Last edited by Kittenkirst; 29-04-2018 at 4:11 AM.
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • Kittenkirst
    • By Kittenkirst 29th Apr 18, 4:18 AM
    • 1,957 Posts
    • 10,552 Thanks
    Kittenkirst
    A Frayed Knot- I Just was just inspired by your signature to check the Mortgage balance (in my accounts app) which was sat at 159,415.52

    Quick OP of 5.52 made to make it a nice 159,410
    2018 MFW #20 - OP 3000.58/ 3000 100%
    June: 182.76 July: 356.59 Aug: 461.02

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • themadvix
    • By themadvix 29th Apr 18, 1:37 PM
    • 1,921 Posts
    • 11,087 Thanks
    themadvix
    Sounds like you've got an amazing few months coming Kitten!

    Good call on the stainless steel water bottles - better for you too as there won't be (as much) plastic in the water (reusing the plastic bottles means they start to degrade )
    OPs 2018 = 2090
    Moving savings = 3085
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • CathT
    • By CathT 29th Apr 18, 3:15 PM
    • 5,712 Posts
    • 39,907 Thanks
    CathT
    Another macro tracker here too. I follow the most incredible guy on Facebook and am loving it!
    Sept 2018 -
    part 1 - 75,557
    part 2 - 44,913
    Total - 120,470
    • try harder
    • By try harder 1st May 18, 9:42 AM
    • 791 Posts
    • 3,084 Thanks
    try harder
    I feel exhausted just reading about all the activities you do . What an exciting year ahead for you both too ...Hope your back is improving .
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