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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,918Posts
    • 10,270Thanks
    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 £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
Page 68
    • Kittenkirst
    • By Kittenkirst 25th May 18, 10:24 AM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    I tried to send you a pm last night but it doesn't seem to be in my sent items folder. So either your inbox is full, you'll get multiple messages arriving at the same time, or i being particularly dim about the whole process!! May be worth you messaging me and i'll reply?!?!
    Originally posted by shangaijimmy

    Morning I've received it twice so you've managed to send it somehow- thank you very much i shall log onto my laptop a bit later and check it all out!
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Kittenkirst
    • By Kittenkirst 25th May 18, 10:33 AM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Update on the laser eye surgery front, after a bit of googling yesterday I found that one of the places has an offer for 15% off but when you click the link there is no discount. I therefore rang that clinic and asked about it which they said they couldn't do as they don't know anything about it but they could offer an additional £500 off (the discount took £508.70 off) so they've pretty much matched it.

    This now makes it just over £1200 cheaper than the other clinic, however they are calling gf this morning to discuss how we got on yesterday as think they are keen to secure both of our custom so I'm hoping that they can offer a similar amount as would like for us to go to the same clinic together etc as we'll have to travel to Birmingham for the day

    Yoga and gym done this morning and now relaxing with a cuppa and a cuddly Oscar

    We foolishly started painting one line of our fence in the garden last night, it then went really overcast and rained luckily it looks like the paint dried enough that it's not ruined it but means we have one line painted and the other two lines not with people over on Monday afternoon for dinner
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Kittenkirst
    • By Kittenkirst 26th May 18, 6:40 PM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Another gym & yoga session completed today although feeling a little headachey today so think I need a bit more h2o today.

    It's a bright sunny day here so we've managed to paint another line of the fencing, only one more left to finish and just under two pots of paint left (had to go and buy four this morning-£54!) gone are the bank holidays of old getting drunk in a beer garden, replaced by similar spends but a weekend of fence painting I guess this is getting older :rofl:

    Gf has made a nice chunky OP today from her bonus- so a nice £200 overpaid this morning helping us get closer to our target for the year. I'm very conscious we need to reduce our OPs down pre Oz so trying to maximise them now.

    I'm very exciting news we are both now booked in for laser eye surgery. The clinic that will treat gf couldn't match my cheapest offer but they did reduce the price pretty dramatically, and to make life easier we have both booked at that clinic for 28th June.

    Whilst it wasn't the cheapest (is £300 in total more than the last clinic) I felt very comfortable with all the discussions I have had, all the reviews I have looked up and the fact that the gf and I can have it done same time & place and then do all our aftercare sessions together.

    The total cost for me is £3295 down from £4590. It scares me somewhat that they would haggle that much as I probably wouldn't have thought to haggle due to it being a clinical procedure.

    Savings has taken a £500 hit though to pay the deposit and have taken out 0% finance for 24 months rather than exhausting the easy access savings pots.

    This weekend is therefore going to be a low spend weekend, with a swimming lesson for gf tomorrow (I will do lots of lengths!) and then some friends over on Monday

    Oh, and the entertainment has been announced for the Singapore Grand Prix - the killers and Liam Gallagher are the ones I'm excited about with gf looking forward to Dua Lipa, but considering we are going for the racing having a good lineup is a real bonus
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Kittenkirst
    • By Kittenkirst 28th May 18, 3:20 PM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Went swimming yesterday and gfs is going really well, as there was no lesson after hers I was able to join her in the roped off section and we practiced her techniques from the lesson and she's massively gained confidence. I'm managing 30 lengths a time now so getting stronger, I just need to work on getting over putting my head under the water- that's my aim for the next few weeks.

    Gym session done today and then a Lidl trip for dinner party supplies for this evening: planning gluten free nachos, build your own chicken breast burgers with masala chips followed by salted caramel brownies. One batch of brownies were made yesterday and turned out quite well, made another batch this afternoon but they have turned out quite gooey so that may be a chocolate brownie mess with ice cream ha

    (Picked up some gluten free cake for the gluten free friend as not so sure on the gluten free baking!)

    We've managed to sort out the larder cupboard- cleaned it all out and rationalised what we had in there, feels nice and organised now and easy to see what we have.

    House is all spick and span so we're just sharing a brownie and having a cuppa before getting washed and ready for this evening, we can thennstart prepping the food.

    Really looking forward to tonight, the friends who got married in March are coming over and bringing the wedding video- geekily looking forward to watching it all. They also went to oz for their honeymoon so may get a chance to find out where they went/what he recommend etc.

    11 days until Download festival too-
    Last edited by Kittenkirst; 02-06-2018 at 7:30 AM.
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • MichaelDH
    • By MichaelDH 29th May 18, 2:02 PM
    • 121 Posts
    • 541 Thanks
    MichaelDH
    Hey KK

    Your dinner party menu sounds delicious! Hope all goes well tonight :-)
    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 2nd Jun 18, 8:15 AM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Thanks Michael, we had a lovely evening reliving the wedding and everyone seemed to enjoy the food too

    This week has passed in a bit of a blur- went back to work this week and it has been pretty hectic! Managed another swimming session with the gf on Wednesday though and managed to conquer the fear of putting my head in the water!!! Just need to keep on practicing it and get used to it so I'm all good for snorkelling etc in Oz.

    Booked my annual leav for the laser surgery now, and we're looking at prebooking our train tickets this weekend too so we know we are sorted.
    I need to visit my docs to get them to sign some paperwork as I foolishly told the optician that I had work related anxiety last year, so I need the docs to confirm that I'm no longer being treated to it before I can have the surgery. Will try to sort that on Monday if the docs play ball- they can often be a little difficult and lose paperwork etc so we shall see:

    I've been trying to use the net worth tracker Shanghai Jimmy kindly sent but it doesn't work on my phone and my work laptop blocks the site so will just have to try and make my own method of tracking it.

    Will try and log in later tonight to update my May totals for everything, as we are off kayaking shortly. Signed up for a paddle sports session this morning at an outdoor pursuits place- starts at 9.30am for 1.5hrs so I'm intrigued with how it will go. It was £10 each for the session, hopefully we will have a few gos at it and see if we like it- if we do we can arrange some sea kayaking in Oz. If we don't then we can do something else
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Kittenkirst
    • By Kittenkirst 2nd Jun 18, 4:19 PM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    End of May figures:

    May Totals - Payment 20
    • Closing Balance - £158,376.54
    • Total OP's - £561.67
    • Net Reduction - £1033.46
    • Daily Interest - £7.19
    • LTV - 78.4%
    • % Loan Remaining - 92.6%

    Length of Diary Figures
    • Total Reduction - £24,400.02
    • Cumulative OP's - £4849.56
    • Ave OP's - £242.48
    • Ave Net Reduction - £630.93

    From a net worth perspective, savings took a drop of £905 based on £500 deposit for the laser eye surgery and £405 for the tax/student loan debacle which I've now paid to get rid of and claim back the credit when the fees are removed!

    Sharesaves and sip plans increased by £240 and pension pot/lifetime ISA increased by £440= £680 overall

    Making my net worth movement approx of £225 reduction for this month.
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Kittenkirst
    • By Kittenkirst 2nd Jun 18, 7:12 PM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Just a quick post to mention that we LOVED the kayaking this morning!

    We went in a tandem open top kayak and it was so much fun- we paddled upstream a km (which took quite a while with us all getting used to steering etc and moving out of the way for barges) then played stuck in the mud (well canoe!) which was great fun and then paddles back. We both got pretty soaked through so got changed at the centre. We both loved it so much we have booked in for another two sessions- one in June and one in July

    £1.95 credit interest received this morning on our joint bills account so that had been OP'd and started the June OP ball rolling which always makes me happy

    Some YS salmon sliders for supper tonight bought last month at Tesco's and frozen- think we'll have it with some nice crusty bread leftover from having gfs cousins over on Thursday night, and probably a nice rainbow salad (spinach, red cabbage, carrots, pepper, beetroots etc!)

    Early morning gym session tomorrow- we have a joint weights session which I enjoy doing- then it's swimming time and then potentially a yoga session. The coming week is going to be hectic with us both having lots of work travel and long days (groan!) so trying to make sure we get workouts in where possible.

    And then on Friday it's Download Festival I cannot wait!!
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Kittenkirst
    • By Kittenkirst 4th Jun 18, 8:47 AM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Morning all, our Sunday plans got a little waylaid as we both woke up with bad backs- think the kayaking activated muscles not often used so we have found some back exercises to incorporate into the gym plans moving forwards.

    We therefore ditched our swimming, gym & yoga plans in favour of a more sedate Sunday- a nice gentle morning walk, some light house tidying, some chilling on the sofa with some travel guides and then we went out late afternoon to the local riverside festival for a nice wander.

    Gym this morning was also put on hold as both still feeling a bit tender but I'm planning yoga after work to gently stretch and get things going tonight.

    Not much financial stuff to report for this weekend other than some candy floss and coffee bought at the festival, however I've been slack checking premium bonds so will check that at lunch today- there's only £100 in there but you never know
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • MichaelDH
    • By MichaelDH 4th Jun 18, 12:52 PM
    • 121 Posts
    • 541 Thanks
    MichaelDH
    Sounds like you both had a great time on Saturday. Hope you are feeling better soon!

    We have been over doing it ourselves the last few weekends gardening. We are building ourselves up to demolishing the swimming pool so that it can be filled in but keep putting it off as will be a huge job just breaking up the concrete, never mind the filling in! At least all this time in the garden is good for our sun tans

    How long until the big trip to Oz?
    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 23rd Jun 18, 7:33 AM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Two weeks since I last posted!

    Download festival was an awesome weekend- Guns n Roses were spectacular and really put on a great rock n' roll show. I was so pleased to see Rise Against and had a great time in the mosh Marilyn Manson was pretty disappointing- think he was on something and he missed quite a few song ques so I only watched a little of him. Pretty much stuck to the budget and even managed to buy a nice new handbag from primark before for £8 that fit in with the new baggage rules, but is super cute for my normal wardrobe

    Mortgage OP made for this month of a nice £ 132.28 to round up our total payment this month. Some cashback from Quidco for travel insurance has been paid out so the £24.92 has also been overpaid making a small total of £159.15 overpaid for June.

    Kayaking session this morning, with a friend joining us. We are booked in for a fortnights time too and friends we went for dinner with last week have also booked to join us on that date- who knew kayaking would be so popular!

    We decided to get Hugo a cat bed this payday as he seems to nest down in any hoodies left out- the little cutie loves the bed so much but he did get so relaxed in it yesterday he fell out! We didn't think Oscar would use a bed so only got one to see, but he's shown a lot of interest in it so we're planning to head back to Argos to get another this weekend for £12.99!

    Consultation for laser eye was had this week: the surgeon advised my eye shape was odd and that they'd need to redo my scans on Thursday - they looked like they still had contact lenses in. If they are the same on Thursday they'll do the Lasek surgery instead which has a longer healing time and has a lens you wear for a few days after.

    It's coming around quick and we're both a lot more nervous, but also excited!
    Last edited by Kittenkirst; 23-06-2018 at 7:37 AM.
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • newgirly
    • By newgirly 23rd Jun 18, 6:24 PM
    • 6,360 Posts
    • 43,955 Thanks
    newgirly
    Glad you enjoyed download festival, don't envy you in the mosh pit though
    MFW 21
    Target for 2018 £40k/£13,632 paid so far

    Mortgage £36,319 4yrs left. Total owed £48,358 plan to clear in 14 months
    • Kittenkirst
    • By Kittenkirst 26th Jun 18, 9:27 PM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Had a very mse based day today. Worked from home so ate from the cupboards all day so no money spent on Work food/coffees.

    Popped to the gym after work and had a good workout, then called in at Tesco's with the aim to pick up some mini naan breads. The YS items tonight were great- managed to get reduced fat sausages for 62p, cod fillets for £1.25, some spinach pasta swirls for 46p, giant tuna tins for 84p (kitties will be pleased) and lots of bottles of franks buffalo sauce for 45p each. Bargainous!

    Our Tesco's usually only knock 45p or so off things, so tonight was Uber exciting, but a little nerve wracking as we only had a tenner in cash. Luckily it all came to £8.45 including a lovely 22p cherry pie (shared with parents and just scoffed!!!)

    Also, I managed to finallylist the tent that's been in my car boot for two years on gumtree- sold it for £12 this afternoon so have OP'd it straight away

    Also did a small tilly tidy OP from the joint account of £4.33 so it's all mounting up.
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Kittenkirst
    • By Kittenkirst 30th Jun 18, 8:01 AM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Morning morning mfw's!
    The day finally arrived for the laser eye surgery on Thursday- procedure was definitely scary but over pretty quickly. Lots of stinging and eyes streaming for the day, cured by lots of sleep in the day.
    Woke up yesterday being able to see, a little blurry close up (takes approx 7 days to settle fully) but with just slightly itchy eyes. So far so good!

    The hard bit is no cardio for 1 week, no swimming for 2, no weight training or yoga for 3 weeks. 3 weeks- what will I do with myself?!?

    Had our first check up yesterday morning and we felt good so we started to do a little bit of holiday shopping and also dress shopping as it's 21 days until the wedding in Italy!

    I've been saving the vouchers I get from work so we went to Debenhans where I tried a few on. Grabbed a coast dress I thought was pretty but too small a size (size 10) and it fit beautifully. It was originally £179, reduced to £99, then to £79. I got to the checkout with my £96 of vouchers and it had been further reduced to £47.20!!! Really pleased as it's just beautiful and feels princess but within the budget totally

    Planning to wear an older dress for the pre wedding party- will wear different accessories and hope no one recognised it from social media and comments (some funny aunties may make comments )

    Had a good look through the sale's in town and picked up some long floaty trousers and some floaty shorts from fat face that I had tried on at full price but decided to wait. Managed to get both for £35 instead of £68, also as I found the trousers in the John Lewis concession stand I got them with vouchers too so only £15 cash spent.

    We also picked up the GoPro ready for holiday that we've been saving the John Lewis vouchers for- still felt a lot of ££ to hand over though. Calmed ourselves with a free coffee (and cake taken home for mum & dads to share) in their restaurant though

    Instead of lunch in town we picked up some bread, cheese and ham and made yummy toasties when we got home mid afternoon.

    Spendy but fun day, gf and I don't really do shopping together like that so it was nice to wander round town, chatting, talking about holiday plans, holiday wardrobes and just relaxing :

    £2.43 OP made yesterday, with hopefully another small OP today to round down the change which should finish the month off.

    Off for a morning cuppa and then lots of house tidying today- planning to clear out the wardrobe- hopefully to have a bag to pop on eBay/fb/gumtree
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Kittenkirst
    • By Kittenkirst 1st Jul 18, 9:10 AM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    The main wardrobe is now de cluttered, nicely folded and organised

    Seemed to take forever but I now have a better understanding of what I have and therefore planning different outfits using some of my lesser worn clothes/shoes/accessories.

    A big nice pile is ready for the charity shop, and another large pile for Baying/treeing or facebook selling.

    Felt inspired so four items have been listed on eBay this morning, will aim for three more this evening.
    There's a nice pile that's very winter/autumn based so I'm tempted to stash under the bed until September and then whack it on then when people will want to buy nice sweaters....however, I also want it decluttered and gone!

    Had a lovely evening out last night at a yoga social- we had fresh lime with sodas so the pub didn't charge (result!) and then had a lovely meal at Las Iguanas using that voucher we got after the awful service when we went with friends. We had a delicious meal- it was so much better last night even though it was busier- and it only cost £9.70.
    A pretty frugal but decadent evening really!
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Downshifterella
    • By Downshifterella 1st Jul 18, 10:12 AM
    • 134 Posts
    • 860 Thanks
    Downshifterella
    Hey kittenkirst
    Some fab bargains and voucher successes you are doing great!
    Bet you are getting so excited for your big Oz trip now!
    Love a good shopping trip ..like you it's not something I do often but where you can save money (even with spending some!) it can make for a really enjoyable day out!

    Well done on the decluttering too , if you can send some of that vibe this way I have 2 rooms in dire need and no motivation!!

    Ella x
    MF planning for the simple life
    • Kittenkirst
    • By Kittenkirst 2nd Jul 18, 11:59 AM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Hey Ella!
    Vouchers and bargains always makes it seem more exciting doesn't it. I just have to resist the urge to tell people how frugal I've been when they compliment the new thing

    Another three things listed on eBay last night so now up to 7 items on there. Will keep on posting whilst I have the motivation, I have found the new app is a lot speedier though which makes it less of a daunting task!

    Working from home today so minimal spends but have to nip to Tesco's for some milk at some point- will take a walk and get some steps in whilst I can't be exercising. Eyes are all okay today just a bit itchy but otherwise fine, find it hard not to touch them constantly though but I must resist!
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Kittenkirst
    • By Kittenkirst 3rd Jul 18, 8:56 AM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Morning MfW-ers!
    Woke up this morning and eyes are feeling pretty good, a little scratchy but alright.

    Gf left early to travel to another office so I got up and went for a nice half hour walk in the sunshine (with my oversized £1 Primark sunnies of course)

    Got home to a notification that the beach dress I posted yesterday has sold- yay! £8.75 sale so will post that off today and OP. Small steps but that makes £20.75 in the past fortnight from our junk. Need to keep up the motivation and get things sold and out of the house

    Forgot to do my month end tally post so will try and get it done at lunch today- will also update my picture calendar as that really motivates me. Although I follow some mfw's on instagram and their numbers are crazily high for OPs- inspiring stuff!
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Kittenkirst
    • By Kittenkirst 10th Jul 18, 6:54 AM
    • 1,918 Posts
    • 10,270 Thanks
    Kittenkirst
    Morning MFW-Wes!
    Hope you are enjoying this beautiful weather!

    A few little overpayments have been made this month- two small amounts of Quidco cashback had cleared so they have been withdrawn and overpaid, another eBay sale (£18.99 this time ) and then a Pinecone survey which I'm waiting to cash out to OP.

    Makes this month £34.04 so far which is not bad considering most of it is 'made' money from interest, eBay, surveys & cashback

    OPs so far for 2018 = £2217.01 which is not bad against a stretch target of £3k

    Realised I have been being so silly with all the holiday bookings as I was going direct to websites for all the hotels I realised the error of my ways so the last two hotel bookings for Oz have gone through Quidco (£12 tracked!) so that's better than nothing. Everything is now booked apart from airport transfers and the hire car for Oz- will make sure the hire car goes through Quidco if I can as that will be a large expense.

    Booked a ferry transfer yesterday from Hamilton Island in the Whitsundays to Airlie Beach and was a little shocked that it's $55 AUD each for the hours ferry! It looks beautiful there but still. Ouch! Thank goodness we've had such a long time to save and pay for it all up front.

    Eyes are still healing well and we've been back in the gym doing cardio so I managed a 5km run (painful but got it done!), 1st dance class back on Thursday but will take it easy as I'm going back a week early. I've decided I just won't do any upside down work on the pole just in case I slip and bang the head but general spinning and twirling around the ole should be fine.

    Allowed back in water from Thursday so going kayaking Saturday morning and then hoping for a swim on Sunday so gf can practice her strokes will be so odd to be able to see in the pool!!
    Last edited by Kittenkirst; 15-07-2018 at 8:29 AM.
    2018 MFW #20 - OP £2236.18/ £3000 74.5%
    May: £361.07 June: £182.76 July: £53.21

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • compHunter
    • By compHunter 10th Jul 18, 10:49 AM
    • 8 Posts
    • 19 Thanks
    compHunter
    Really impressed with the overpayments so far. Inspiration I need to start overpaying mine
    Last edited by compHunter; 10-07-2018 at 10:49 AM. Reason: spelling
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