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  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 2,067Posts
    • 11,305Thanks
    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 3846.60/ 3000 128%. Nov: 594.90

    Mortgage Oct '16 170.995 LTV 90% end Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
Page 71
    • A Frayed Knot
    • By A Frayed Knot 8th Sep 18, 7:40 AM
    • 2,571 Posts
    • 11,339 Thanks
    A Frayed Knot
    Just popping in to say - Have an absolutely Fantastic Holiday !!!

    Not popping in as much, so may miss your departure date, so thought I ought to get in now

    Look forward to reading all about your adventures Enjoy your trip of a lifetime !!!
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target 12 months 12/24 (missing out no.13)
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • jodles16
    • By jodles16 8th Sep 18, 12:34 PM
    • 1,369 Posts
    • 4,161 Thanks
    jodles16
    Hi KK!



    You are so good at balanceing OP's, pensions and life! So impressive! Glad the kittens are growing well and keeping you on your toes! Also super jealous you got to see Stone Sour! Love!


    Your upcoming travels sound amazing, love all the activities that you are doing, I am looking forward to trying more things but need to lose a lot more weight before I can (sadly over the weight limit for the paddle boards and cannot lift my own weight for climbing!). There is a page I follow which offers beginners rock climbing courses in the Lake District, this is one of my goals!


    I will be checking in again soon!


    Jodles
    MFW2017 #29 1200.24/4524
    MFiT #66
    Overall aim 10,124.20/21,743 (156,000)
    2016- Jan-177,472, Apr-173,195.04, July- 171,417.47 Oct- 169,366
    2017- Jan- 167,347.80 Apr- July- Oct-

    • Kittenkirst
    • By Kittenkirst 29th Sep 18, 8:24 PM
    • 2,067 Posts
    • 11,305 Thanks
    Kittenkirst
    Morning all! It's 5.15am here in Townsville and I'm wide awake. Gf has come down with the flu so I was woken early today to help her.

    Holiday has been fantastic so far- Singapore, Sydney, Brisbane, Mooloolaba, Fraser Island, Whitsunday Islands and now we are headed north today to Mission Beach. Think it looks be a slow drove today with lots of stops for the gf.

    Holiday budget is going well and we still have a lot of cash between us which is great news. The Whitsundays catamaran tour was just amazing- beautiful islands, stand up paddleboarding , kayaking, snorkelling with schools of fish & sea turtles true bucket list moments.

    We've been missing everyone back home a fair bit, but are getting regular updates on our boys from the cat sitters, as well as camera snaps of the boys tinkering round the house!

    Overpayment for September was a mini 4.56, so I just transferred an additional 5.44 to make it at least 10. This brings 2018 to 3010.58
    2018 MFW #20 - OP 3846.60/ 3000 128%. Nov: 594.90

    Mortgage Oct '16 170.995 LTV 90% end Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • Kittenkirst
    • By Kittenkirst 30th Sep 18, 9:25 PM
    • 2,067 Posts
    • 11,305 Thanks
    Kittenkirst
    I've been struggling to sleep since 2.15am today, I think by the time we fly home my body clock may have finally adjusted to Australian time

    So, I've tossed and turned loads and have completed a little banking and reconciliations.

    Had a surprise eBay sale of an apron we got from an experience day (another one still up for sale!) so I've messaged the buyer that postage will be on Monday next week. I've offered a refund if they need it sooner so will see what they say. If they are happy though it's a nice 9.50 to start the OPs for October.

    I then checked Quidco and withdrew 2.40 to OP once it clears. Unfortunately prolific is only at 2.2 so a little more is needed to get that up to cashout status- deffo something to focus on when back
    Home.

    I drove us up to Mission Beach yesterday which was a gorgeous 3 hour drive. This place is a lot mire village like than some of the places we have stayed and is stunning, but food is a bit pricey! (50 for some sweet potato fries, one beer, one coke, 3 sliders and some not so good mini ribs last night!)

    We didn't stop at the planned waterfall as gf was still feeling awful with the flu, however a nice snooze in the car and easy day yesterday meant she was much brighter and feeling alright for a nice dinner together. Will amend today's plan to drive out to the Atherton Tablelands and visit six waterfalls. Will investigate and we'll stop at 2 on our way to Port Douglas (mainly to break up the long drive and see some bits off the beaten track).

    We're then in Port Douglas until we come home (from Cairns) so hopefully gfs flu will subside and she can relax in PD
    2018 MFW #20 - OP 3846.60/ 3000 128%. Nov: 594.90

    Mortgage Oct '16 170.995 LTV 90% end Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • themadvix
    • By themadvix 1st Oct 18, 11:17 AM
    • 2,030 Posts
    • 11,629 Thanks
    themadvix
    Sounds like you're having an amazing time! Hope GF is feeling better soon though!
    OPs 2018 = 2090
    Moving savings = 3085
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • Kittenkirst
    • By Kittenkirst 7th Oct 18, 7:00 AM
    • 2,067 Posts
    • 11,305 Thanks
    Kittenkirst
    We're home!

    Holiday was just wonderful, but I can't express how happy we are to be home!

    I came down with the Aussie flu not long after my last post but luckily our plans in Port Douglas were a bit more relaxed than the first part of the holiday. We managed to visit three of the waterfalls- I even got brave and swam in the Millaa Millaa falls (where the Peter Andre Mysterious Girl video and the herbal essences hair flick advert were shot!) - it was blinking cold though, but a pretty fab moment!

    We still managed to visit a local wildlife sanctuary to feed some 'roo's on one of the days where we didn't feel good (it was less than 2km from our apartment) and we waited until we were over the worst of the flu and still got to drive to Cape Tribulation and get off the beaten track for a bit- it was indescribable and I'm so glad we went!

    Getting home was 31 hours of travel and yesterday was mainly sleeping, with gfs parents bringing some home cooked food for dinner (they are wonderful- potato shak with roti's! )

    Cats haven't left our sides since we got back- I woke at 3.30am to release the little vole brought in alive by Hugo and haven't been able to sleep since- felt so hungry! I've now decamped downstairs with Harry Potter on, a cuppa and a slice of toast to try and help with my body thinking it's lunch

    Plan today is to go do the grocery shop- a big Lidl has just opened next to our Tesco so we're going to go have a nose. I've also checked cash back apps and there's a few bits from Shopmium at tescos worth us getting (4 breaded cod fillets for 1 etc) so have added those to the list.

    Right, will crack on with the order of the Phoenix (my favourite HP!) my cuppa and Hugo strokes (he's curled up on my tummy!)
    2018 MFW #20 - OP 3846.60/ 3000 128%. Nov: 594.90

    Mortgage Oct '16 170.995 LTV 90% end Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • A Frayed Knot
    • By A Frayed Knot 7th Oct 18, 7:12 AM
    • 2,571 Posts
    • 11,339 Thanks
    A Frayed Knot
    So glad you had such an amazing and wonderful holiday, so many memories to treasure. Just a pity you both felt so naff for some of the time away.

    Back to the grind.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target 12 months 12/24 (missing out no.13)
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • CathT
    • By CathT 7th Oct 18, 8:09 AM
    • 5,812 Posts
    • 40,676 Thanks
    CathT
    Crikey I check in for first tome for a while and your holiday has been and gone! What a shame you were both unwell but it still sounds like the most amazing trip with many memories made.

    What's the plan for the rest of the year now the trip is done and you've already exceeded your OP target?
    Dec 2018 -
    part 1 - 73,558 part 2 - 44,554
    Total - 118,112 111 months to go!
    • Kittenkirst
    • By Kittenkirst 8th Oct 18, 4:11 AM
    • 2,067 Posts
    • 11,305 Thanks
    Kittenkirst
    Thanks both

    CathT- very good question! Well the planned OPs up until Christmas are for a further 605 which is banking on a few things:

    1. me not splurging too much on Halloween,
    2. Christmas spending remaining within budget &
    3. also paying off any additional holiday spends on the credit cards in the next two months so we don't incur interest!

    I think the key areas we can focus on to make more OP's are:
    1. My car insurance renewal- due end of month so looking now.
    2. Our gas/elec switch is mid November- cash back from comparison sites is usually a good OP (may not pay out until 2019 though.....)
    Sky renewal is end of this month too- we use this heavily but will look at what we could drop and do the haggle dance with them- is like to shave at least 10 a month off if we can....
    4. The food shop- we've got in a rut with what we eat so will invest some tine in looking at new recipes/old forgotten recipes and try to make them lower fat/ lower cal but budget friendly
    5. De-clutter pre Christmas and do the eBay stuffs....I'm also tempted to try some reselling on eBay but need a bit more thought into what will sell best.
    6. Prolific, pinecone & food cash backs!

    We did the shop today- we had cleared the fridges and larder of perishables so had to buy staples like cheese, garlic, onions etc. The new Lidl have a 6 week welcome card where if you spend 20 you get a free item- yesterday 1.6kg washing powder (25 washes). We split our shop in case we could get 2 wash powders but combined it Dane to 34.
    We then nipped next door to Tesco for the bits we couldn't get (namely my 0% Greek yogurt) and a few Shopmium bits- 4 breaded fish down to 3 with 1 cashback (now in the freezer!) & a tube of Primula (1.50 but will get 1.5 back).

    That makes the predicted 30 grocery shop a steep 42 with 2.50 due back....need a bit more focus next week. Also I automatically bought blueberries (1,89) and Greek yogurt (2.06) but with the temperatures here being pretty chilly now I should probably swap back to porridge/overnight oats again which is often a fair bit cheaper over the months (especially if can get windfall apples/ free bananas from work!)

    We did get a few freezer items and some of the veggies will carry through to next week so not too much of a disaster.
    2018 MFW #20 - OP 3846.60/ 3000 128%. Nov: 594.90

    Mortgage Oct '16 170.995 LTV 90% end Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • Kittenkirst
    • By Kittenkirst 8th Oct 18, 5:35 AM
    • 2,067 Posts
    • 11,305 Thanks
    Kittenkirst
    Jet lag is proving to be quite a pain at the minute, so I've used the time and been googling some new recipes/ ideas. I'm at work at 8.30am and am pretty much dreading the piles of emails....

    I picked up a nice squash in Lidl (84p) today and been trying to find alternative recipes other than soup- I like the idea of roasting it with some crumbled feta on the side of dishes but have also found a nice taco recipe (we lovvvve Mexican style food!)

    Making a note of them here so I can refer back and tick them off:

    https://www.google.co.uk/amp/s/www.bbcgoodfood.com/recipes/420645/chard-sweet-potato-and-peanut-stew%3famp (with cashews instead)

    https://www.bbcgoodfood.com/recipes/3091674/melanzane-parmigiana

    https://www.google.co.uk/amp/s/www.foodnetwork.com/recipes/chicken-tortilla-soup-recipe-1939403.amp

    https://www.shelikesfood.com/roasted-butternut-squash-and-black-bean-tacos/

    https://cookingonabootstrap.com/2018/10/06/black-bean-tarkari-38p/

    Will continue having a good read through and also through the old Style forum pages. Time to add some more meals to our repertoire and get a bit more adventurous in the kitchen l!
    2018 MFW #20 - OP 3846.60/ 3000 128%. Nov: 594.90

    Mortgage Oct '16 170.995 LTV 90% end Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • lessavyfav
    • By lessavyfav 8th Oct 18, 4:23 PM
    • 205 Posts
    • 296 Thanks
    lessavyfav
    Yum, I love butternut squash. I made Anna Jones squash, potato, kale and almond tray bake lots last winter - it is so flavourful!
    https://www.theguardian.com/lifeandstyle/2016/dec/12/vegetarian-christmas-lunch-anna-jones-modern-cook
    Giant London-sized mortgage (started July 2017) 485,623/499,00 Current LTV 86%
    Overpayments 2210
    S&S ISA 2,268.53
    Regular Saver (started August 2017) 5,679
    EF 1,500/ 1,500
    • Hazelnutty
    • By Hazelnutty 8th Oct 18, 5:29 PM
    • 151 Posts
    • 812 Thanks
    Hazelnutty
    Yum! I'm definitely looking that recipe up!
    • Kittenkirst
    • By Kittenkirst 8th Oct 18, 8:05 PM
    • 2,067 Posts
    • 11,305 Thanks
    Kittenkirst
    Yum, I love butternut squash. I made Anna Jones squash, potato, kale and almond tray bake lots last winter - it is so flavourful!
    https://www.theguardian.com/lifeandstyle/2016/dec/12/vegetarian-christmas-lunch-anna-jones-modern-cook
    Originally posted by lessavyfav
    Ohhhh that sounds delicious too! Thank you for the link
    2018 MFW #20 - OP 3846.60/ 3000 128%. Nov: 594.90

    Mortgage Oct '16 170.995 LTV 90% end Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • CathT
    • By CathT 9th Oct 18, 6:37 AM
    • 5,812 Posts
    • 40,676 Thanks
    CathT
    I eat so much 0% Greek yoghurt, I get the @ldi one which is so much cheaper than branded and really high protein. I use frozen blueberries/raspberries in porridge, might work out cheaper for you? Always put a dollop of yoghurt on though to help with protein.

    Thanks for posting recipes. I'm trialling gluten free so feeling a bit restricted with menu choices at the moment!
    Dec 2018 -
    part 1 - 73,558 part 2 - 44,554
    Total - 118,112 111 months to go!
    • Kittenkirst
    • By Kittenkirst 9th Oct 18, 8:07 AM
    • 2,067 Posts
    • 11,305 Thanks
    Kittenkirst
    Gluten free seems like quite a challenge- one of our good friends is Coeliac and I hadn't no idea some of the items that contain gluten (malt vinegar for example...makes sense when you think it through but wouldn't have twigged!)

    Frozen raspberries is a good idea- I will take a look as I do like raspberries in my porridge in the winter, especially if we have any coconut in!

    I've pulled up loads more recipes that look interesting and have bookmarked them but the ones above are ones we have ingredients in at the moment for from the Sunday shop.

    Off out to a gig tonight with a mate, booked the tickets ages ago, he's offered to drive as knows I'm struggling with the jet lag- not sure what dinner will be tonight but hoping I can sway him for a cheaper option....my credit card bill hasn't arrived for Oz spends (552) so not too bad but we need to review gfs and divide that up (we use hers for the reward points!) which is a task for the weekend.

    Back to work yesterday went ok, like usual there is so much to do, not Enough time and lots of stress but at least nothing changes

    Found 3 in pinecone from August which I requested a pay out for but didn't appear, double checked it now and withdrawn...will OP as soon as it clears. Two quick one poll surveys done this morning and will check out Prolific on my breaks today- need to get back on this with a vengeance! Looking at predicted OP's for the year if we stay on track it'll be 95 short of 4K....my mini mission is to get that to a nice round 4K or more before 31st December.

    The mortgage statement has arrived so I started reconciling it but got quite tired (at 9pm!!!) so will try finishing that over the next few days and make sure my figures are all aligned and correct (love it )

    Also, a massive positive is due to the holiday a bit out of sorts with dates and only just realised payday is on Monday- wooooooo!
    2018 MFW #20 - OP 3846.60/ 3000 128%. Nov: 594.90

    Mortgage Oct '16 170.995 LTV 90% end Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • Kittenkirst
    • By Kittenkirst 9th Oct 18, 2:00 PM
    • 2,067 Posts
    • 11,305 Thanks
    Kittenkirst
    Car had passed its MOT! Wooop and only 45 to pay (instead of the 200 I budgeted for!)

    Pretty pleased with that! Working from home today and it's been pretty hectic, but managed to make a nice chicken noodle soup using the leftover chicken from the chicken crown we ate yesterday (2.79 at Lidl)- Used the crown bones for a broth and then added dried noodles, tinned sweet corn and some chilli, basil, schezchuan peppers and garlic. Delicious & frugal too!

    I've downloaded the Green Jinn app today to have a look at using it this weekend. Finally opened all the post and have some vouchers for pets at home including one for a free small bag of cat food. Yay! Will pop in the purse and when in the office tomorrow nip over at lunch (it's across the road from my main office!)

    The Harrington's cat food is back on half price on Shopmium at Tesco so will get three of the four options available (kittens both hated the plain chicken one, as did gfs parents cat Joey!) and will do another transaction for the gf so we can get 6 bags for 16.50 (1.40 a kg). Shopmium also has Iams cat food on offer so will take advantage of that too on both of our Shopmiums- stockpiling the kitten food to see them through the winter

    If anyone fancies trying Shopmium if you use my referral code in the app you get a freebie- jar of Nutella at the mo- and I get 3 credit which is given back as cashback when I buy items

    Referral code: ACEAHKFA
    Last edited by Kittenkirst; 10-10-2018 at 12:08 AM.
    2018 MFW #20 - OP 3846.60/ 3000 128%. Nov: 594.90

    Mortgage Oct '16 170.995 LTV 90% end Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • Kittenkirst
    • By Kittenkirst 12th Oct 18, 8:07 AM
    • 2,067 Posts
    • 11,305 Thanks
    Kittenkirst
    It's Friday today has felt like a long old week getting back to work and the routine!

    Sleeps still a bit of an issue- I was up north yesterday so up and out of the house at 6am and home for 7.30pm. Asleep on the sofa by 8.30pm

    Popped into Pets at Home as we had a voucher for a free small bag of cat food (400g) and picked up some dreamies treats as it seems like our cat sitters were rather generous with them

    Doing a volunteering day today but starts at 10.30am so a bit of a lie in this morning and now relaxing with a cuppa.

    Gf had saved all her John Lewis vouchers from work until they stopped doing them so she said a few months back we'd get the new apple watches with the vouchers when they came out. Soooo we've ordered them for collection tomorrow and will take advantage of the free cuppa and cake whilst there it will cost me 100 which is the difference in her vouchers, and I think worthwhile as I managed to crack my Fitbit screen when snorkelling in Oz () so that's coming out of my fun money spends for this quarter.

    Shopmium money received and also referral money so those four fish fillets and primula were all free as the grocery budget is looking good (we don't need any shopping for this/next week still) so overpaid the 4.50.

    The 3 old pinecone money cleared this morning so that's also been overpaid- small steps means we are now at 25.22 so far with our monthly OP planned for Monday- planned for half the usual amount due to the holiday so 175 budgeted

    This week has slipped with silly spends at work canteen and not as good planning as usual- so the focus for next week is no silly coffee spends at work and packing full lunches. Time to get back to normality and routine fully and no frittering of silly monies!
    2018 MFW #20 - OP 3846.60/ 3000 128%. Nov: 594.90

    Mortgage Oct '16 170.995 LTV 90% end Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • chumpy45
    • By chumpy45 13th Oct 18, 5:50 PM
    • 361 Posts
    • 1,605 Thanks
    chumpy45
    Hi KK, just catching up after a bit of a long absence. Sounds like all going great guns with you. Holiday sounds fabulous. Well done on all your achievements x
    Starting Mortgage 01.08.08 171,209.24. Mortgage as at 01.09.15 - 54,780.04; 01.11.15 49,577.04;01.03.16 45,799.32; 01.08.16 42,418.93; 01.10.16 40,119.5 01.02.17 36,584.00; 01.04.17 34,694.71 09.06.17 32,828.89 MFW Target date Sept 2017; :) 06.08.18 24,769.47 01.11.18 23,825.00 New Target Date Sept 2020
    • Kittenkirst
    • By Kittenkirst 14th Oct 18, 9:27 AM
    • 2,067 Posts
    • 11,305 Thanks
    Kittenkirst
    Thanks Chumpy, holiday was a dream and so glad we did it next year will be a much cheaper holiday probably to see family who live abroad (Dubai or New York are being debated but we'll look in the New Year)

    So much for not needing grocery shop- we did the volunteering day which was very wet but great fun- I love just getting stuck in but am a bit of a bossy pants so people kept asking me what to do etc...I happily obliged with getting us all organised and having different jobs

    After volunteering we nipped to Asda to take advantage of the iams deal on Shopmium- should have spent 9.60 with 4.8 cashback which we were doing twice. I ended up spending 12 as picked up a few Halloween bits and then 23 on the joint card as we also picked up other bits and bobs- bread, fish for the Shopmium cashback (so 3 will come back) and some other stuff

    We need to pop to Tesco/Aldi this morning for coffee whitener for gf and some pastry- planning to make chicken pie tonight with the leftover chicken breast, mushrooms and some nice cabbage in the freezer. We'll use filo and make a nice lighter sauce from lean in 15. Fingers crossed we manage to stick to the plan! 18 left in the joint account after fridays groceries so that should limit our spends somewhat!!

    A really lovely thing happened on Friday, on the lunch break from volunteering we popped into my old student union as it's next door and they have a great canteen. I went to Starbucks as have some funds on the Starbucks card from before holiday. Ordered my pumpkin latte and then found that they don't accept the Starbucks card in there. I was a bit mortified as had left wallet with gf so said I'd have to leave the coffee. The manageress noticed, apologised that they don't accept the app and said 'have this one on us'

    That free pumpkin latte was a godsend as I was pretty soaked through from the volunteering. Nice touch from Starbucks really!

    Lots of cleaning yesterday and we've finished the holiday washing so that's now all folded and under the (ottoman bed) in tubs ready for next summer. We also both pulled out lots of clothes for charity/eBay.
    Gf wasn't keen on eBaying but I've said if she gives me 8 weeks anything not sold can go to charity then before Christmas....so my next plan is to have a rummage and pull out the autumn winter stuff to get listed first, then move onto the rest...setting myself a challenge of 50 profit from the stuffs as a way to focus the mind. Will get cracking on it this week!!

    Watching Killing Eve which is very addictive- we've got a nice cuppa each and a blanket and kitten on our respective sofas (heating off as it's raining but quite mild and we have the blankets out!) happy Sunday!
    2018 MFW #20 - OP 3846.60/ 3000 128%. Nov: 594.90

    Mortgage Oct '16 170.995 LTV 90% end Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • Hazelnutty
    • By Hazelnutty 14th Oct 18, 10:49 AM
    • 151 Posts
    • 812 Thanks
    Hazelnutty
    Great update KK and good to hear about free Starbucks!

    I've been wondering about how long to leave items for sale before charity shopping too. I really want to storage room clear and set up for people (and kittens) to use before Christmas, so I think I may go mid-November for the cut-off. Hope your fleabaying goes well
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