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  • FIRST POST
    • f0xh0les
    • By f0xh0les 12th Aug 16, 1:55 PM
    • 1,691Posts
    • 14,428Thanks
    f0xh0les
    22 Foxhole East
    • #1
    • 12th Aug 16, 1:55 PM
    22 Foxhole East 12th Aug 16 at 1:55 PM
    I just made my first mortgage overpayment.

    We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!).

    So far I have replaced 2 Velux on the attic floor so the rain stays on the outside (very rotten frames)

    Have had a full electrical rewire as the wiring was underneath the wallpaper - not boxed or chased in, just behind the wallpaper and skirting boards. Got a shiny certificate and everything now!

    Decorated 4 kids bedrooms and put down new carpets in 3 of them

    On the still to do list for this year

    - new roof and insulation - nails degrading! Snow could cause a huge problem. Better get it sorted really.

    - New shower and bathroom flooring - water damage, holes in floors (!) we should have moved the bath mats when we were viewing, they hid a lot of damage.

    Plastering and decorating.

    Nice carpets!!

    Shelves!

    That will be the two top floors done and I can kid myself I am 2/3rds of the way finished

    Not attempting anything on the ground floor until 2017 - so no talk of log burners,knocking down walls, kitchens, damp proof courses, shower rooms or the like. That way lies madness, shhhhh, next year, at some point...

    So, let's talk money.
    House cost £160,000
    Deposit was £41,315 (sale of previous nasty Manchester Foxhole)
    Amount borrowed £118,685

    We got a 1.94 % fixed for 2 years with Accord which rises to something ridiculous like 7% so remortgage time in 2018

    We will repay £1.82 for every £1 borrowed over the 26.5 year life of the mortgage unless I overpay

    I have just rung Accord, found out I can repay up to 10% of the total amount borrowed (each year without penalty), can make as many overpayments as I like per month without penalty, but cannot check on the balance online. I have to ring up a silly automated 0345 number that will tell me what the balance is! I will have to remember to ring it on my mobile so it is free.

    Monthly Mortgage repayment £467.00
    An overpayment of £200 a month would knock 10.5 years off the life of the mortgage.

    We are planning on spending 5 years living here, and them moving elsewhere due to the nature of DH's work. So, lets see how much I can throw at this mortgage.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
Page 33
    • gallygirl
    • By gallygirl 22nd Mar 18, 1:46 PM
    • 16,641 Posts
    • 109,836 Thanks
    gallygirl
    There are enough things to blame me for without adding 'willful and deliberate snow making' to the mix.
    Originally posted by f0xh0les
    . Oh dear. Families - can't live with them, not allowed to kill them .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • f0xh0les
    • By f0xh0les 23rd Mar 18, 1:54 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    Slutty slutty foxes woke me up this morning and I am grumpy with lack of sleep.

    Have managed to get DHs car close enough to the front of the house to be able to hoover it. Step Gran will not get into a dirty car, and DHs car is covered in mud. So I will be cleaning that in the morning.

    Making lists of what I can take with me

    Tried to get m-i-l and f-i-l birthday gifts, but have come up blank. It is hard when people you don't really know, and who can buy whatever they want, need a present. I should just buy them a big box of chocolates and be done with it. Seems lazy though.

    So just cleaning and tidying the house today and later getting the two youngest from after school football training.

    There is no internet access where I am going, so will not be back until the 4th.

    See you later!
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 13th Apr 18, 10:27 AM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    Right, back a week now.

    Hall stripped now, have rung the plasterer, waiting for him to get back to me.

    Sadly Mr Hamster #1 died while we were away. DH found him, he was traumatised. Now he keeps looking at Mr Hamster #2. Tick... tock..... tick..... tock.......

    Coming back after 10 days away, I have noticed I need a new bed and matress, and the sofas are looking tired. Mind you they are 10 years old so they should be looking tired. They have done well.

    I have made overpayments to the mortgage so far this month totalling £127.52. Will throw the child benefit at it as well once it comes in at the end of the month.

    The roof will need doing. During the snow we lost a few tiles. It is not leaking, but if we have a warm summer, we will lose a few more as the nails are disintegrating after a mere 120 years. I have the money to get it done, so I will book it in once the weather improves a bit. Will also get a few more quotes.

    But that means I will have no money left and I will have to save up all over again.

    DH is going to have a tooth implant. He has an appt at the end of the month, and he is kind of counting on a bill of about £2000. That is all his savings (he has an ebay and amazon habit) He is not going to change. Hopefully he will choose a monthly payment plan, but who knows? The Emergency Fund is anathama to him.

    So all talk of showers, bathrooms, or kitchens will have to go onto the back burner until I win a large sum of money.

    What I can do is get the hall and stairs plastered and painted white. Money allocated and sitting in the account.

    Find some mirrors and put them up - that will make a huge difference. - Why do mirrors have to be so heavy?

    Put up a few shelves in the living room, to get the last bits off the floor (dvd's in neat piles) and will make the board games more accessible and get rid of a tv unit that simply does not work and takes up more space than is needed. Might get a tenner for it.

    Put up a mirror and a shelf in the bedroom, once I have painted it, (the lining paper is already up) it just needs a lick of paint and job done.

    DH is away next weekend. So I will try and get those bits done (not the plastering obv) while he is out of the way. He will be suitably impressed.

    That will take me up to the end of April.

    Mortgage currently stands at ££107,904.65 with a daily interest of £4.72

    I am aiming to be under £107k after 1st May.
    Which is also my 20th wedding anniversary.
    Last edited by f0xh0les; 13-04-2018 at 10:32 AM.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • Moneyfordreams
    • By Moneyfordreams 13th Apr 18, 7:22 PM
    • 1,090 Posts
    • 5,420 Thanks
    Moneyfordreams
    I'm liking your daily interest amount... if only
    Mortgage restart June 2018 £119950
    zero personal cc
    6x166 for sofas ending November 2018
    £2500 on DD1s car cc
    • in need of direction
    • By in need of direction 14th Apr 18, 8:39 AM
    • 5,255 Posts
    • 30,871 Thanks
    in need of direction
    I needed a large mirror for a boast wall that wouldn't take much weight. The Swedish shop obliged.
    Mortgage at 01.01.14 £119,481.83 today £74,121.52, target £65,000 by 31/12/18 Offset fund today £307.27 target £5,500 by 31/12/18
    Emergency fund £860/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • f0xh0les
    • By f0xh0les 16th Apr 18, 9:29 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    Hmm, might have to resort to the Land of Swede. Was hoping to find a bargain somewhere in my junk shop trips. It feels more like recycling.

    The hall is now stripped down to the front door, so I have been trying to get the other plasterer to come back, but he has back to back house extensions, and is booked up until August-ish. He is going to give me a number of someone he has worked with. Will wait with bated breath..................

    Cleaned and hoovered top floor today. The middle floor is tomorrow and the ground floor on Wednesday. That way I can get all the laundry sorted at the same time and back on the right floor in the same day.

    DS1 is off on his geography field trip. It is odd. I only really see him at mealtimes, but I miss knowing he is on the top floor being moody. It feels very strange to only have 3 kids. There have not even been any arguements tonight. No shouting. Very pod-people-ish.

    Budgets set, menus planned.
    Lists made for the week. All sorts of things I want to get done, and there are 6 appts with various dental people next week, so lots of running around.


    Stupid pollen doing my head in.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 17th Apr 18, 9:29 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    The very young plasterer just left. The last plasterer recommended him.

    DS2s bedroom ( a good sized double ) ceiling to be boarded and skimmed and the top of the stairs down to the front door, both sides.of the hall - £580. I had budgetted £500 so I am quite happy with that, and he can do it the end of next week. It will be 3 days work.

    So I will again be down to £0.00 in the 'doing stuff fund' until payday, which to be fair, is only three days after the plastering is to be paid for, and apart from the upstairs bathroom, that should be the top floors done.

    Might start thinking about considering the prospect of carpet options... once the fun of painting newly plastered walls and ceilings white wears off.

    It is weird with no DS1. There have still not been any arguements with the other three. Exceptional behaviour.

    Baked this afternoon - peanut butter flapjacks, sponge buns with caramel icing, sultana sponge buns and chocolate bundt with chocolate icing.

    Supper was a sausage, peppers, garlic, onions and roast potato traybake thing, served on a bed of rocket, grated carrot and shredded white cabbage, with olives and sliced mushroom antipasti stuff, thing. Sounds weird but it was lovely. And masses of veg.

    Tidied and hoovered the middle floor today. I have a pile of stuff I no longer need or want (currently on the ground floor in the back room) A pile of books I have read. A couple of dresses that are a size 10 whereas I no longer am. So tonight I have a much clearer and tidier bedroom. I think I may be able to sell a few bits. Will give it a go.

    There. The plan. Some things are happening.
    Last edited by f0xh0les; 17-04-2018 at 9:33 PM.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 18th Apr 18, 12:19 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    Took DS1s mattress topper to the launderette. £5.50 later it is wet and on the line.

    Bought a little wooden set of drawers (think ikea type thing that would go on a shelf or a desktop) for £6 from the charity shop. Hopefully DH will take the hint to tidy his tat or I will do it for him.

    Went to the second hand furniture warehouse and bought a tv for £40. DS2 keeps borrowing mine to play on his xbox. I have been meaning to get one for him to use for ages. As I had to spend today I thought I might as well do it.

    Still no chest of drawers for me - which was what I went in to look for, but while I was there I got chatting to the man who owns the warehouse. He has just cleared a whole hotel just up the road. All the bedroom stuff is out on display, but the chairs were all piled up in the most enormous floor to ceiling pile of stuff.
    With us needing 3 x 2 seater sofas or 1 x 3 seater and 2 x 2 seaters, I will give him a few days and head back at the weekend and see if I can find anything that will do us.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 22nd Apr 18, 12:58 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    I have made a list of all the things I need to replace that have become worn and no longer comfy.

    It is a long list. With some high ticket items. Boo

    DH has just had the phone call from the garage to say his tyre is knackered and the others aren't great either. So it is £200+ but we have separate finances so at least my budget is not blown and when he goes away on Friday I will not have to worry about his car misbehaving on him.

    I have lost the packet of rocket seeds I bought, so I have had to buy another one. It will save money in the long run, and the basil seeds have started sprouting already. Must be the warm weather. No sign of anything else though.
    I am an impatient gardener.
    I am an impatient saver.
    I am an impatient mortgage overpayer.
    I think I may just be an impatient everything.....

    Hair washed and plaited to give it a wave when it has dried.
    Slapping on lotions from christmas
    Watching the marathon and want to get back into running.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 26th Apr 18, 4:08 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    Stairs and hall plastered and drying nicely..
    DS2 bedroom ceiling being started at 7.30 am tomorrow.

    DS1 is going away camping with his friends for the weekend leaving me with the kids. It is the first of 4 weekends away with his friends this year. (He does it every year. I stopped him from going one year as I was heavily pg with number 2. The sulking was not worth it - apparently I was stopping him from having any fun).
    • kerri gt
    • By kerri gt 26th Apr 18, 4:27 PM
    • 7,377 Posts
    • 50,781 Thanks
    kerri gt
    (He does it every year. I stopped him from going one year as I was heavily pg with number 2. The sulking was not worth it - apparently I was stopping him from having any fun).
    Originally posted by f0xh0les
    I do hope you pointed out being heavily pg with DS#2 wasn't any fun either though
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • f0xh0les
    • By f0xh0les 26th Apr 18, 7:44 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    Being heavily pg is marvellous! I loved being pregnant. But that might just be because I now have 2 teenagers. Everything is relative.

    Anyway, he won the 'going away' argument 13 yrs ago. He is not going to change.
    The weather forecast is torrential rain anyway.

    Pasties for lunchboxes in the oven baking. Very MSE.

    Plans for the weekend are not only for DIY:

    Early Man is on at kids club at the Odeon - they have been mithering me to go since February, so we will go this weekend.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 2nd May 18, 5:46 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    All the planned plastering is now done.
    Finished - he had to reschedule 3 times. Childcare problems.

    I have overpaid the mortgage, it is now £106,999.00 - I had to get it below £107 to feel validated.

    Caved, and rang the mortgage bank to get a current account so I can get internet banking to be able to check the mortgage online. Such a faff. Hopefully it will be worth it.

    Measured the alcoves for shelves, and bought the wood on Monday. Will get on with that tomorrow.

    I now have less than £150 for the month (all bills have gone out) but will be getting around £40 every friday from the ctc. The mortgage amount looks go though!!!
    The kids accounts have £4k in, just waiting to go out in £400 segments every month - that is my emergency fund. Panic ye not!

    And....Where is the child tax credit renewal pack?? It usually comes around nowish, the money has gone down, but no pack has appeared. Come on CTC muppets!! Get a wriggle on!.


    So there. Only doing low cost stuff for the rest of the month. - painting and shelving and putting up mirrors and stripping more wallpaper.

    The big yellow glowy thing is supposed to reappear in the sky this week.
    The salad leaves have sprouted. Nothing else has though.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 9th May 18, 1:06 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    Just finishing of the last shelf in the new shelved alcove in the living room, and it looks fab and has completely deluttered the whole area.
    Sadly now we can see the scary gold swirled red carpet in its full splendour/ horror!
    The kids have all mentioned in the last week how hideous the carpet is. If a 13 yr old thinks to object to a carpet it must be bad.

    So far today I have made 6 lemon drizzle cakes and a tray of fruit and nut flapjacks.

    DS3 is having a great time on school journey. The school is updating the website daily. Some of the parents are very panicky about the kids going, but they dont get to see the school updates on its news board, as they are not doing the school run ths week and don't know to look on the website....

    I have a massive list of stupid fiddley little jobs to do - fixing door handles and re-screwing ceiling rose light fittings and light switches now the plaster is dry and painted. None of them will take much time, but all together I could probably do it all day long.

    So, I have to do a sub-£10 shop for the important stuff (milk and loo roll) and then do a house clean and hoover.

    But it is hot over here in Le Shire, and I am sofa-ed with mild heat exhaustion.

    Well, I am hardly getting anything done, due to the heat, that is my excuse.

    But I have to go out now, so might as well combine the school run pick up with the small shop. And I can't ice the cakes until they are cool, anyway.

    DH has not yet put his tent away. I will threaten physical violence tomorrow, as today he is on an away-day and it will be followed by a pub visit, and then football tonight. Nothing will be done today.

    BT engineer has been, he thinks the fault is fixed, but it is an intermittent fault on the line, so it may be, it may not be. He had the social skills of a stick insect. Glad he is gone. But it did mean I got nothing done all morning.

    So I really should get on with it........
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 11th May 18, 9:03 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    DS3 is home and in fine spirits. He has come to the conclusion that girls are loud, boastful, and cannot carry out simple instructions. They also fall out of bed alot, and need to pee/ get a drink multiple times a night. This was not conducive to a good night's sleep - the girls' dorm was above the boys' dorm and they got very little sleep. He is 10 and very unimpressed with the fairer sex.

    He said he was too busy having fun to miss me. Which I am overjoyed about.

    The girls got off the coach and immediately burst into tears when they saw their mums. They were gone for barely more than 72 hours! Then the Mums burst into tears because their baby girls were crying. FFS!!! They all complained the school website was not updated enough... I am not sure if this was all about teaching the kids a bit more independence, or the parents! Takes all sorts I suppose.

    There is movement in the planting trough in the yard!! I have a few tiny tomato seedlings coming up, some rocket is poking leaves out, and the lettuce is popping up, and there is nearly a carpet of basil. No sign of the courgette, so will sow some more and see what occurs.

    I spent the day doing stupid fiddly little annoying jobs, like putting screws back into light switches and plug sockets back on the walls.

    Put up a mirror, and then started stripping wallpaper in the living room. It is woodchip under the anaglypta, and judging by the previous owner's dodgy polaroid photos hidden under a bit of carpet in one of the cupboards, the woodchip has been there since at least 1983. It seems to have been stuck up with superglue! It is taking an age to just strip a square metre.
    Good job I work cheap

    Paid out another £40 on school trips for DS1 and DS4

    I have nothing at all planned for half term in two weeks. Which makes me feel like the worst mum ever. Will have to do better, but with so many residential trips and reward day trips with the schools, there has not been much incentive to plan for the holidays, as all except DS4 were off somewhere nice and seasidey with their mates and schools.

    Maybe there will be a YHA flash sale soon. Fingers crossed.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • greent
    • By greent 12th May 18, 7:23 AM
    • 7,336 Posts
    • 74,395 Thanks
    greent
    I've got nothing concrete planned for half term yet either, f0xh0les - and I don't think we really did anything in Easter. I see people posting trips here and there most days in their perfect faceb00k life and wonder a - how they afford it b - are their kids able to amuse themselves at all c - where is down time for anyone??
    This May we'll probably have a day at Leg0land, courtesy of Tesc0 vouchers (I have about £70 expiring end of May anyway, so need to do something) and I may take the youngest two to look at baby ducks etc at the local Wetlands place. That'll do (and maybe a couple of hours at the local playpark if the weather is really nice) DS1 will be revising for his A2s anyway
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • f0xh0les
    • By f0xh0les 12th May 18, 5:12 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    Got DS3 and 4 to plant some more seeds in loo rolls. All the remaining courgette seeds, and some others I thought were french beans, but look very much like sunflowers...... So they are mystery seeds and we have planted them and will investigate further at a future date. Should they emerge.

    It is chucking it down now. 5pm prompt, the heavens opened, so the seeds will be watered naturally.

    Made about 20 buns, which will be iced, and then brought out during the Eurovision celebrations. The man next door to me has Union Jacks in his house windows and on his van. He really likes Eurovision. I hope. He could just be a nutter though. Or early for the wedding.

    We spent 3 hours this afternoon playing Risk. I won. The kids loved it.
    Got up and went food shopping at 7.30. I was awake, so I got up, and there was nobody to talk to, so I looked online and the supermarket opened at 7. So off I went, did the shop, came home and had coffee, picked up DH and the two smallest, went to the market, had gelato in the sunshine, came home and had lunch and started on Risk.

    The fridge is full of left over salad bits, so it will just be sandwiches or pittas and salad for tea tonight. Easy meal.

    What a nice day!

    I am studiously ignoring the pile of clean laundry awaiting sorting in the kitchen though......
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 12th May 18, 5:32 PM
    • 1,653 Posts
    • 8,318 Thanks
    wishingthemortgaheaway
    Got DS3 and 4 to plant some more seeds in loo rolls. All the remaining courgette seeds, and some others I thought were french beans, but look very much like sunflowers...... So they are mystery seeds and we have planted them and will investigate further at a future date. Should they emerge.

    It is chucking it down now. 5pm prompt, the heavens opened, so the seeds will be watered naturally.

    Made about 20 buns, which will be iced, and then brought out during the Eurovision celebrations. The man next door to me has Union Jacks in his house windows and on his van. He really likes Eurovision. I hope. He could just be a nutter though. Or early for the wedding.

    We spent 3 hours this afternoon playing Risk. I won. The kids loved it.
    Got up and went food shopping at 7.30. I was awake, so I got up, and there was nobody to talk to, so I looked online and the supermarket opened at 7. So off I went, did the shop, came home and had coffee, picked up DH and the two smallest, went to the market, had gelato in the sunshine, came home and had lunch and started on Risk.

    The fridge is full of left over salad bits, so it will just be sandwiches or pittas and salad for tea tonight. Easy meal.

    What a nice day!

    I am studiously ignoring the pile of clean laundry awaiting sorting in the kitchen though......
    Originally posted by f0xh0les

    I was sitting in the supermarket car park at 7:58 this morning waiting for it to open at 8:00, in, round and out in 15 minutes. Amazing.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100 April 19/100 May 20/100 June 21/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • f0xh0les
    • By f0xh0les 12th May 18, 5:47 PM
    • 1,691 Posts
    • 14,428 Thanks
    f0xh0les
    It had never occurred to me that it might be open at 7am!

    No YS bargains though.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • greenbee
    • By greenbee 12th May 18, 6:00 PM
    • 12,713 Posts
    • 221,166 Thanks
    greenbee
    Yes... but fewer people! I was also in the supermarket and DIY place early today because I'd stayed over with a friend last night and it was on the way home and I had time to get there.

    It reminded me how much I hate shopping...
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