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  • FIRST POST
    • f0xh0les
    • By f0xh0les 12th Aug 16, 1:55 PM
    • 1,593Posts
    • 13,166Thanks
    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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
Page 40
    • f0xh0les
    • By f0xh0les 9th Aug 18, 6:50 PM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    I am finding it hard to do things when I know I have to have lunch on the table at 12 to get out for the football at 1, then after getting home at 3 and then snack, a quick bath as they are on astroturf on a rubber pellet base - they come back black- it is time to think about cleaning up the mess that has appeared while out at football and making their tea for just after 5..

    Basically nothing gets done when the boys are about. Simply not happening.

    I just need to get up earlier and kick everyone out of their beds so I can get on with things. Like that is going to happen!

    Oh well, I can get on with more lists and plannings and plottings and ideas to try out. They all seem to be having a lovely time and enjoying themselves so far these holidays. Except for the whole Ireland fiasco.

    Went wild this afternoon and robbed all my accounts and paid down the mortgage to
    £103,999.99
    will repay the other accounts with ch/b and tax credits plus whatever is left at the end of the month after all back to school outgoings have gone out.

    It is ASPIRATIONAL, this dropping a thousand bracket every month, it adds to the whole motivational thing. If I can shed the mortgage pounds, surely I can shed the weight loss pounds.

    I can do this, I have done it before, so I can do it again.
    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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 10th Aug 18, 10:26 AM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    Well it sounds like step-gran will be released back into the wild just after lunch.

    She has no idea what is wrong with her, or what tests they are doing, they just keep taking blood. Whether that means she is not taking in what they are telling her, or if they are just treating it as 'getting old' I don't know.

    What I do know is that her cupboards and freezer is full and apart from milk, she has everything she needs. I know this because I filled the things up while I was there.

    Can't believe I have already been back a week.

    Right, second cup of coffee (I allow myself 2 a day) drunk. The kids are refusing to get dressed, so they can play in their pjs until football. No time to get in and out of town for new football boots for DS3, so he can play in his old ones for today.

    More furniture moving, it takes a while going up to the top floor with bits of sofa! each bit weighs a tonne

    Have a lovely weekend, whatever it is that you are doing.
    Football is back, for those of us who love it, even if your team has not made one single signing in the transfer window (!!)
    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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 10th Aug 18, 4:22 PM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    The kids came home from Friday football camp with loads of LCFC stuff, soft tablet cases, scarves ,badges, calendars, etc. Shame my boys are Tottenham fans.

    I have now allowed them to support any team in the place we are currently living, as long as their hearts belong to Tottenham. They just want to be like all their little friends.

    Step Gran is back at home, the ambulance men delivered her back, and she is exhausted, and said she will not be going into hospital again.
    The hospital have told her it was just a virus. Which is medical speak for 'dunno'.
    So she will either live or not. Either way she will be doing it in her own home. I have the feeling that from now on she will juts get more and more tired, unitl she slows down so much she just stops. As long as she is not in pain then I will just let her, it is what she wants.

    DH has just come home, and has gone straight to bed!! at 4pm on a Friday. Hope he recovers or it is going to be a washout of a weekend.

    Either way he will not interfere with my plans.
    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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • greent
    • By greent 11th Aug 18, 3:04 PM
    • 7,237 Posts
    • 73,545 Thanks
    greent
    I kind of treat this as therapy.

    DH says I need professional help
    Originally posted by f0xh0les
    Noooooooo - no need for profressionals, tell him - rabbiting away on here is free - much more

    Really looking forward to freecycled/ fakebook apple season. I will take more this year as it really helped with pudding planning and it was lovely and FREE! Not sure how much of a harvest there will be between our Beast from the East late snows and the hot summer, but the apple tree on the railway embankment is laden.
    .
    Originally posted by f0xh0les
    Apples here aren't doing so well, but our 2 pear trees and the one randomly next to a path by school are all overladen - pear and blackberry makes a nice crumble, too

    Wish this weight loss would hurry up and occur.
    Been exceptionally motivated and so far there has been no movement on the scale, plus have raised my exercise level. I am lacking in patience, good job I have motivation.

    Onwards!!
    Originally posted by f0xh0les
    If weight's not shifting, what about inches? - I sometimes find inches wiggle off better than the lbs. Personally, I'm more inspired by fitting into smaller clothes than what I weigh (although smaller clothes and less stones would be super nice!)
    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) £3290.25/£4000
    Net sales 2018 £614.82/£1000 PAYDOX18 (#15) Done £18918.90
    • f0xh0les
    • By f0xh0les 12th Aug 18, 9:53 AM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    Well it is 9.30 and I took DS4 down to kids Parkrun this morning. Ended up running further than he did (2k course) as he stopped running after the 1st kilometer, and I had already run the length of the park to get to the other side to clap him, and then the width of the park to wait for him coming round, and he nev er appeared, so had to run back half the length of the park to find him, then run the last km with him.
    He has no concept of pace. So, 15 odd minutes of exercise, happy DS4. DH is taking DS3 on a free 6km bike ride this afternoon, so I thought DS4 would feel left out if I did not do something with him.

    Plus I am up and awake at ridiculous o'clock of the morning, so might as well do something other than wait for DH to end his love affair with the duvet.

    So today should not be spendy at all. Weather is drizzly but warm (yuck).

    I need another lovely cup of coffee after my impromptu parkfun as a reward for being fabulous and according to DS4, the best mum ever for taking him to stuff. Undeserved, I feel, but hey, I'll take 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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 13th Aug 18, 9:46 AM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    Took the sofa bed apart and got DS1 to help me up the stairs with it. It was L shaped, so broke it down to one I, and one square. One is now in my bedroom as a chaise longue type thing, it looks fab.

    The other is the pull out bit, which will make a square bed, 5' square, which should fit DS4s bedroom alcove, and enable him to see the moon and stars out of his roof window when he is in bed. I have plans to mount it on a base of 1 x 4 cube unit shelving, so there is some storage, and maybe some kind of thin shelving attached to the wall behind the bed, plus a headboard.

    It all fits, so it is just making it look good that is my brief .

    Then lunch at 12, football at 1, back home by 3.15, then, well, everything else.

    I found some white cardboard while tidying up at the weekend, and I used it to hide the cables going into the mains fuse box (which is directly under my tv on the shelves I put up in the chimney alcove. It has been bugging me for ages that the wiring just looks awful, but with a few snips of the scissors, a false back was made for the shelf, and all the wires are now out of sight, and as it was white cardboard, on a white wall, unless you are actually looking for it, you would not know. Plus DH did not notice, and he was sat right in front of it 'borrowing' the football off the internet.
    So I will do the same on the bottom shelf when I come across either some more cardboard, or hardboard. No more wires ! Marvellous. A daft sounding idea that works perfectly.

    In other news, now that there is no sofa bed in the back room, it still looks like a bomb has hit it. I need to get in there and sort it out but I can't think how the room will work. It is the way through from the front of the house to the kitchen, so there must be a clear walkway along the right hand side of the room, which is also where an enormous radiator is. The far wall has a sliding patio door in the left hand corner, and the kitchen door in the right hand corner. One wall has the fireplace, which is enormous and hideously ugly, but I have a cast iron fireplace to put in there which should bizarrely give me more room.
    But how the room is going to work I don't know. I can't even picture it in my head, and it is the room where the kids play on the xbox and computer, and has become the dumping ground of the house.

    Right. up to the top floor to sort out this bed situation
    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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 13th Aug 18, 7:50 PM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    Today turned into a £12 spend day and also £10 for the football camp for the week.

    Because.... I found Almond Dream ice cream for 99p a tub in Her0n instead of £4.99 a tub in Waitr0se. BUT, the vanilla we tried first was Vanilla, the second one we opened after supper was definitely caramel without the caramel swirl, so I suspect a quality control issue - in case anyone g/f finds any, it may not be what it first appears to be. Be careful! Also Almond Dream coconut and Almond Dream rice and quinoa drink are 3for £1 or 40p each regularly in Her0n.

    The kids are going bonkers over it, mint choc chip, vanilla and undercover caramel for 99p. What is not to like?

    More movement made on the DS4 bed. He is in it tonight, it is not 100% finished but is good enough for him to be in.
    Exercised for 1 hour walking round in circles while the boys played football- somewhere between 5 and 7km - I lost count of how many laps I did.
    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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • chumpy45
    • By chumpy45 13th Aug 18, 9:32 PM
    • 325 Posts
    • 1,420 Thanks
    chumpy45
    Fab inventions with both the white cardboard wire covering and the bed. Really admire your creativity. I recently bought some flat pack garden furniture (in a sale of course) which said "2 people - 30 mins" on the box. It took three of us almost 3 hours to complete it and that included putting one seat back on back to front and being unable to get it off again lol. I don't think I could run to remodelling a sofabed. Hats off to you
    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 New Target Date Sept 2020
    • f0xh0les
    • By f0xh0les 14th Aug 18, 8:03 AM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    To be honest, if I could have sold it I would have, it cost £400 4 years ago when we moved to Sheffield, and the sister-in-laws decided 7 days after we moved into an unfurnished house was a great time to come and visit, in the snow, and we had nowhere to stick her. Then Dh's uncle keeled over and died about 3weeks later and we had in-laws staying with us, so it was a good thing we had it, although m-i-l whined the entire time it was too hard.

    But the kids have managed to split the seams in two places by using it as a trampoline. So resale value has gone from £250 down to very little, but it is nothing that a few screws wont fit back together if we need it to be a sofabed again.

    DH is still utterly unconvinced about the whole thing - well, not the whole thing, he loves the bit in our bedroom, he is unconvinced about DH's bed, but then he has not gone up to look at it, and is rarely on the top floor so I could kit it out in tigerskin print flock and it would take him 4 months to notice.

    But anything that makes a boy happy to be in his bedroom and go to bed, and keep it tidy, is surely a good thing?

    More clearing up of tools and moving stuff down to the ground floor - there is very little left to do on the top two floors except the bathroom, just two sets of blinds and the odd flat pack shelf unit needed.

    The back room is still a total mess. Honestly it looks like a squat. Actually, a squat might be offended to be likened to that mess.

    DH is a crafty type. In that he does painting and sewing and costume making and makes moulds and sculpts things, but all this takes an enormous (to me) amount of bits and things and tools and stuff. Which he is awful at putting away, he just lets it drop wherever he stops using it and leaves it there.

    Which leads to a very messy 'his side of the room' and leaves me trying to find some sort of storage solution that does not look awful - a work in progress, that one.

    Every day it gets a little better - nothing more is coming into the house, and stuff is leaving or being moulded into a semblance of order. I will get there. but it is boring.

    And on that note, time to 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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • in need of direction
    • By in need of direction 14th Aug 18, 3:02 PM
    • 5,200 Posts
    • 30,417 Thanks
    in need of direction
    I wish I had your tenacity and determination
    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 14th Aug 18, 6:09 PM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    You are very kind. I do not work, so I cannot get away from the mess. If I had a job or a social life that did not involve car parks, kids sports or squirrels, I would probably ignore it and book a nice holiday somewhere...
    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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 15th Aug 18, 10:05 AM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    Trying to find lunchboxes acceptable for 4 boys.

    Losing the will to live.
    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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • julicorn
    • By julicorn 15th Aug 18, 10:41 AM
    • 229 Posts
    • 900 Thanks
    julicorn
    Trying to find lunchboxes acceptable for 4 boys.

    Losing the will to live.
    Originally posted by f0xh0les
    Good god, I can't even imagine what a mission that must be!
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Current: £193,300
    • f0xh0les
    • By f0xh0les 15th Aug 18, 3:24 PM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    Oops, accidently bought a sofa.

    It was on the list of things I needed, and I baulked at having to pay £15 delivery for 2 streets away, but there you go, £75 all in for a klippan for the living room without having to go to IKE4. or Coventry. Will be here tomorrow and I can surprise DH with it in situ when he gets back from work. It is ridiculous to only have 2 sofas with the 6 of us, even if they seat 3 comfortably. this is better.

    I have been inventorying the kids school uniform. We are currently one branded fleece down, 4 new white shirts have mysteriously disappeared, and no PE shorts! I think we might need 2 new blazers too.

    All now named (unless it has disappeared) and returned to owners.
    I nearly died of boredom. I wrote the names and years in the younger ones. I gave up sewing in names when they started trashing their clothes quite so regularly.
    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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • kerri gt
    • By kerri gt 15th Aug 18, 7:23 PM
    • 7,260 Posts
    • 50,196 Thanks
    kerri gt
    You are very kind. I do not work, so I cannot get away from the mess. If I had a job or a social life that did not involve car parks, kids sports or squirrels, I would probably ignore it and book a nice holiday somewhere...
    Originally posted by f0xh0les
    You do work - you manage a house and 4 children (plus an OH too) so never say you don't or let anyone tell you otherwise

    Oops, accidently bought a sofa.

    It was on the list of things I needed, and I baulked at having to pay £15 delivery for 2 streets away, but there you go, £75 all in for a klippan for the living room without having to go to IKE4. or Coventry. Will be here tomorrow and I can surprise DH with it in situ when he gets back from work. It is ridiculous to only have 2 sofas with the 6 of us, even if they seat 3 comfortably. this is better.
    Originally posted by f0xh0les
    I am waiting to order one (diff style) from the house of blue and yellow too (it was that or sofas x4 the £ which were lovely, but not justifiable with a cat, plus I'd have a canary fit if anyone spilt anything on them) We need some other work finished first so I can then have space in the garage to move the old sofas out to hopefully re-home elsewhere.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • f0xh0les
    • By f0xh0les 16th Aug 18, 10:51 AM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    Waiting in for the sofa to be delivered.

    It is chucking it down.

    Had to put a load of laundry in the dryer - it felt so odd after all these weeks of line drying to have to plug something in.

    DH left the gas oven on low all night as he is a muppet. I am cross. I pay the bills, so it will come out of my money. Nearly 20 hours of wasted gas.

    I need to start offering bits up for sale on the local selling site. I have a couple of waistcoats from the kids, and beavers uniforms, and dresses I have never worn (c./s dresses) Even at a few quid each I could do something with it - like pay some of the gas bill. Grrrr.

    Right, off to do stuff before I get too annoyed about waiting in for delivery men.
    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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 16th Aug 18, 12:24 PM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    Delivery turned up at 12.15 It works, looks great and has already had 2 kids rolling on it. DS1 wandered in2 minutes after it had been delivered, looked confused and said 'how did I not notice that was there? Has it been there long?'

    Bless
    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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 17th Aug 18, 10:13 AM
    • 1,593 Posts
    • 13,166 Thanks
    f0xh0les
    I have 'rediscovered' a whole half of the back room. Rediscovered it and hoovered it. Removed lots of empty cardboard boxes (???)

    Repaid some of the kids account regular saver money I borrowed - now only owe £400, but £250 will be repaid on Monday, so it will only be £150 I owe the account. So will probably rob the account again next month. It seems to be working. I am only taking my money from one account to move to another one of my accounts.

    I will be handing DS1s account over to him from October. £1600.00. We will see what he does with it. Hopefully he will hand it back until he is 18 and will get his government money to add to it. It should add up to £2,500 by then. Would be a nice amount for driving lessons and he already has his eye on my nippy little Nissan Micra. Gods! Itonly seems five minutes ago when he had his eye on a DS, now it is my car. time flies.

    Today is school uniform buying day - then I have 11 days to get whatever is unavailable. There will be things which are unavailable. There always is.

    Also need to pin down DS1 and DS2 and make them try their blazers on.
    DS1 is now officially taller than DH!! DH is only 5'7" I am 5'4 1/2 however my brother is 6'5" and DS1 favours him. It also means big old feet. Oh the joys! shoe shopping!

    Every pair of kids shoes should come with a voucher for cake as a reward, or valium. Either or.

    DH said the bedroom looks really good with the sofa in it. It does.
    DH said the living room looks really good with the sofa in it. It does.

    So now I need to focus on the back room and what furniture needs to leave.. the.. house... which I find really scary, but if we move again then I can find something else.

    I saw a nice coffee table on the local giving page. the woman had left it in her front garden, first come can have it. Saw it 24 hours later on a different selling site for £20. I don't mind people who get stuff and upcycle/fix it and sell it on, but that just does not sit well with me. It just seems rude. There is a lot of it about though.

    So, it is nearly the weekend.
    Last football session today,
    ping pong for £1 tomorrow,
    park run for free on Sunday.

    DH is off on a jolly after work tonight, but he has taken his bike so will not be drinking,

    Right, best get my bum off this sofa and 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
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
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  • Ta ta... for now. This August, as I try and do every few yrs, I'm lucky enough to be taking a sabbatical. No work,? https://t.co/Xx4R3eLhFG

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