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  • FIRST POST
    • squirrelgirl
    • By squirrelgirl 12th Mar 17, 3:44 PM
    • 345Posts
    • 1,863Thanks
    squirrelgirl
    Squirrelgirls MF quest
    • #1
    • 12th Mar 17, 3:44 PM
    Squirrelgirls MF quest 12th Mar 17 at 3:44 PM
    I am venturing into the MF Wannabe world!!

    I have recently come to the end of my mortgage deal and have got a new one which runs to the 31st March 2019. My plan is to clear my mortgage on 1st April 2019

    I have an offset mortgage, so I can spend between now and then either paying off the capital or putting the extras into the offset savings - knowing me, it will probably be a combo of both as I really like seeing the figure I owe drop (it's a psychological thing!! ) until I get close to the end, then it will have to go into the savings so that I don't accidently pay it of too soon and end up with early repayment charges

    My mortgage is actually due to finish in 2024 - and although I have paid a considerable sum off over the past 5 years or so, I haven't made any op's for about 2 years as I took a break from work. I have several things that I need to sort financially between now and the end of November, so my bigger op's won't start till then, but I am going to make every effort to put at least £50 extra per month towards it until then.

    My ability to save money on food and household products is limited as I don't use supermarkets and buy everything as ethically as possible - this means that I am going to have to be creative and stretch what I have as far as possible I do have a massive stockpile of dried goods and a freezer full of stuff so I am going to be able to minimise my spends over the next month or so.

    I will go over my 'bills' budget too and see where I can make savings - I currently overestimate everything bill wise and can probably reduce the amount we put in by at least £10 - once I have checked out what is in there, I will tilly-tidy the surplus and make a start!

    I am reasonably confident that I will be getting a very small pay rise in April and hopeful that dh will too, so am intending to put that towards the mortgage - we have a persie amount each which is adequate for now so I'm happy to utilise any increases we have for op's.

    Right, off to check out the bill account and see what I can do!
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
Page 5
    • greent
    • By greent 29th Oct 18, 7:34 PM
    • 7,736 Posts
    • 78,894 Thanks
    greent
    Whoop to windows finally being done!!!
    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 12/18 £54829 2019 OPs (#18) £421.46/£5K
    Net sales 2019 £33.81/£500
    • squirrelgirl
    • By squirrelgirl 30th Oct 18, 2:10 PM
    • 345 Posts
    • 1,863 Thanks
    squirrelgirl
    Thank you all for your good wishes and kind words....you really are a lovely bunch of people on here and make the stress a lot easier to manage !

    So, despite the horrendous weather here (crazy wind and driving rain!) the lads have been hard at work on the windows We now have most of the installation done but they are going to have to come back tomorrow to do the bay window and finish off the outside (current weather conditions made it impossible to do today )

    They really are so lovely that it almost (but not quite! ) makes up for the appalling service up to the installation point - once this is all done I will be naming and shaming and listing all the reasons that they need to be named and shamed - it's really not just the length of time but one of the main selling points was that the windows are meant to be 'custom fitted' which makes them better than other companies as the others just use foam to fill the gaps.....well, a couple of the windows have an inch + deep of foam

    Anyhoo, onto less annoying things! sparky is coming to do another couple of hours on Thursday - I've hopefully got a plasterer coming round tonight to price up and give me a date (depending on the quote) but it will probably be in December before we can get any further with that...thankfully, dh is going to put the wm back tonight (even if only temporarily) so that I can get some washing sorted - throwing out my 'don't wear' clothes was a great idea until I didn't have access to a wm!!

    All in all, I'm feeling pretty positive now - I know there is a long way to go and I will probably lose it again at some point but once the windows and electrics are done, I can get some vague sort of order into the house while I'm waiting for the plastering

    Right, off to pour myself a drink and admire my new front door! Once again, thanks for all your support and understanding throughout this....you're all absolute stars!
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
    • squirrelgirl
    • By squirrelgirl 2nd Nov 18, 9:26 PM
    • 345 Posts
    • 1,863 Thanks
    squirrelgirl
    Windows and doors are in - one window is cracked and another one doesn't open but they want me to pay the full balance and they'll get them sorted!! Yeah, right...you've lied all the way through so of course I'll pay you before the job is properly completed!!! errm, no..don't think so...see you in court if I need to!

    My advice....DON'T EVER USE EVEREST!!!! Biggest cowboys I have EVER dealt with...charge over the top based on lies and broken promises! The only decent thing about them were the installers! Lovely blokes doing the best they can with badly measured windows

    On the plus side, I now have a date for my plastering!! By the end of this year, I should have the plastering and decorating completed and a house that no longer looks like a tornado hit!

    DS and DiL have paid their first rent payment so that's gone straight into the house fund (really need to update figures in my sig ) and I've got a relatively clear weekend ahead I'm going to check my figures tomorrow and will make sure I'm back in control of it all...its all been a bit chaotic recently so it really needs doing!

    414 days to go....
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
    • greent
    • By greent 3rd Nov 18, 9:39 AM
    • 7,736 Posts
    • 78,894 Thanks
    greent
    Windows and doors are in - one window is cracked and another one doesn't open but they want me to pay the full balance and they'll get them sorted!! Yeah, right...you've lied all the way through so of course I'll pay you before the job is properly completed!!! errm, no..don't think so...see you in court if I need to!
    ..
    Originally posted by squirrelgirl

    Outrageous! Common practice with virtually any job is to withhold a %age until all snags are done. Fools!
    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 12/18 £54829 2019 OPs (#18) £421.46/£5K
    Net sales 2019 £33.81/£500
    • squirrelgirl
    • By squirrelgirl 3rd Nov 18, 12:23 PM
    • 345 Posts
    • 1,863 Thanks
    squirrelgirl
    Outrageous! Common practice with virtually any job is to withhold a %age until all snags are done. Fools!
    Originally posted by greent
    I'm withholding the entire amount until they've sorted greent wouldn't dream of it normally but with this bunch of cowboys, I have absolutely no trust in them whatsoever and am pretty convinced that they wouldn't bother sorting it if I paid them a percentage of the job! I hate having to do it, it really isn't in my nature to not pay bills but they haven't left me with much of a choice As soon as the work is done, I will pay it immediately - to be honest, I really should go to trading standards and Fensa about them but I've got to the point where I just want to see the back of the company and put the whole sorry saga behind me.....

    I've updated my sig now - I'm still not sure that I have all the figures right but I've done it as well as I am able to at the moment I am pretty sure that my plastering and electrics will both come in under budget (sparky didn't come back on Thursday and isn't back till next week now ) which is great as they should all be done by the end of December and then I can start to put my hovel back together!!

    As I am intending to have this house done and the mortgage gone by Solstice 2019, I think I am going to start a new diary on Solstice this year - it's going to be a hell of a job achieving what I need to in the next 13 months ( it's that all the time I have left???!!!!) so I think that I will have to keep a daily diary to keep me on top of everything.....I could just continue with this one but the trauma I have had so far is pretty depressing when I read back on it (not life in general, just the stuff with Everest ) and I don't want to be reminded of it every time I re-read my stuff to re-motivate myself!

    I know that we are doing pretty well at the moment, but having to live the way we are is making being organised a bit difficult (hence the losing track of budget totals etc). Once the major works are completed, it will be a lot easier to keep focus and to push harder to achieve our goals

    anyhoo...413 days to go......
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
    • Hazelnutty
    • By Hazelnutty 3rd Nov 18, 1:01 PM
    • 191 Posts
    • 1,001 Thanks
    Hazelnutty
    Sorry to hear about your Everest woes. Have some fun when you've recovered leaving reviews on Trustpilot etc and reporting to whoever's responsible. We had a terrible experience with a hotel last year and OH gleefully left reviews wherever possible (I hate confrontation, even online, and even when fully justified by total incompetence, rudeness etc). Shiny new diary sounds like a plan
    • the cross rabbit
    • By the cross rabbit 3rd Nov 18, 1:59 PM
    • 357 Posts
    • 2,106 Thanks
    the cross rabbit
    Hold on tight to your money and principles regarding the windows.Sending virtual hugs and G and T's (if that's your tipple?) Let us know when you start your new diary.
    CRx
    Mortgage £82,000, due to end July 2036. 18/1/2019 Mortgage £79,150.55
    #67 mortgage free wannabe 2019 £89.79/£800
    • squirrelgirl
    • By squirrelgirl 4th Nov 18, 2:20 PM
    • 345 Posts
    • 1,863 Thanks
    squirrelgirl
    Hold on tight to your money and principles regarding the windows.Sending virtual hugs and G and T's (if that's your tipple?) Let us know when you start your new diary.
    CRx
    Originally posted by the cross rabbit
    Thanks CR more of a jd & coke girl myself but any alcohol is pretty much okay with me!!

    We've had a look at diy built in wardrobes on the internet and are confident that we can do it for half the price we were quoted from a couple of companies - hopefully, we'll be able to get them even cheaper as we aren't going to be ordering until chrimbo/new year and I'll be surprised if there are no sales on at that point!

    I've gone through the budgets, I'm really confident now that I can get the house done and the mortgage paid off by solstice of next year but I'm really not convinced that we will be able to get the garden sorted by then However, dh and I agree that the inside of the house and paying off the mortgage are definitely the priorities and we are going to do those first - if the garden takes an additional few months, we can live with that (not that it's going to stop me trying though! )

    I'm just really looking forward to the end of this year when I will have the major works done - living in a building site is all well and good for a while but it gets pretty depressing after a while thankfully, dh cleaned up as much as possible yesterday so it's a lot cleaner than it was but it's still full of tools, trunking, wires etc On the plus side, slobbing as much as I currently am means I'm not really seeing much of it so it's a win-win!!

    Hope you're all having a fab weekend!
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
    • Couldsavemore
    • By Couldsavemore 10th Nov 18, 1:47 PM
    • 85 Posts
    • 357 Thanks
    Couldsavemore
    Afternoon!
    Fingers crossed your windows are sorted asap am angry on your behalf!

    13 months to get everything sounds great... manic and frantic but it will be done!

    I have 17 years of mortgage left but busily trying to cut it back!

    Hope you have a nice weekend!
    Mortgage overpayment target is £1200
    Total paid 1050


    SPC #80... Still adding that loose change.
    2019 mortgagr free #48 Target £2400 paid £282
    • squirrelgirl
    • By squirrelgirl 10th Nov 18, 5:11 PM
    • 345 Posts
    • 1,863 Thanks
    squirrelgirl
    Thanks couldsavemore

    Dh put a stiff complaint in on Wednesday and had a reply stating that i would get a call that day to arrange a surveyor visit....still waiting!! honestly, I've worked in local and central government previously and never thought I would ever see incompetence like it again, but Everest are without parallel!!! If it wasn't so incredibly frustrating and appalling, it would be worth celebration!!

    Anyhoo, onto less depressing things all is going pretty well, sparky is back tomorrow and I've had a convo with ds about what we need to sort and he's on board...we do have a lot to complete in the next couple of weeks before the plasterer starts so it will be full steam ahead tomorrow while the sparky is here I'm taking up the tiles in the hall and utility room, ds is taking down the ceiling in my grandbaby's room and then next week we are boarding the ceiling and sorting the windowsills at some point i need to cook too...not sure what but I'll need to do enough to last a couple of days while we work

    Hope everyone is having a great weekend...tune in for the next tragic installment in a few days!!
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
    • squirrelgirl
    • By squirrelgirl 19th Nov 18, 8:29 AM
    • 345 Posts
    • 1,863 Thanks
    squirrelgirl
    And the saga continues! hopefully by the end of the week we will have some decision on the windows...we have a surveyor coming out tomorrow(although its the same bloke as did the original measurements so not convinced he'll be unbiased! ) and the sparky has done more but still not finished which is slightly concerning but I'm trying to hold my nerve!

    The floor tiles are gone but we haven't done the ceiling yet as still too much stuff in the way...hopefully that will get sorted in the next week or so.....

    Money wise, we're still on track...all the light fittings have been bought now so at least that's one completed job!! and we've had the broadband sorted too so checking for stuff online has been a lot easier over the past couple of days...

    I'm really looking forward to the point where we are not relying on anyone else to get stuff done...it's very hard being out of control of it all at the moment...it goes against my nature to not have control and makes me stressed although I'm trying really hard just to go with the flow at the moment

    Right, time to do the day job....hope everyone is having a less fraught time!!

    398 days to go.....
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
    • squirrelgirl
    • By squirrelgirl 23rd Nov 18, 2:20 PM
    • 345 Posts
    • 1,863 Thanks
    squirrelgirl
    Things still moving forward on the house - no word from the window company following the surveyor's visit (which was an insult really - he spent ages denying that there was an issue, then realised he could pass some blame onto the installers so then admitted there were problems, offered a couple of solutions and some new windowsills as a 'sweetner'!! suffice to say that I declined his offer!!) so the final letter demanding my refund will go in on Monday and then it's off to small claims court if it's not forthcoming within the 14 days that they have to do it....I'm not messing around with them anymore and it will end up costing them more as I will claim for my time, legal costs and compensation.

    Ds is currently sorting taking the ceiling down and has ordered the new internal door frames and two of the internal doors, hopefully the sparky will be here again this weekend and I'm not letting him leave until it's all done as the plasterer is here from 4th December and we still have to do the prep work!!

    I've been very good and declined a night out with my friend....I just can't justify the expense at the moment and I really don't have the time to have a hangover

    I am going to have to sort my finances out again soon....as a result of things not going to plan, I've kind of lost track of what I've paid out for the house and where I am with it all.....it's a bit of a pain to be honest, but if it gets sorted this weekend I won't have too much to rectify and I'll be confident that I know where I am moving forward.

    I'm looking forward to starting my new diary at Solstice - the main 'work' should be done by then and we will be relying only on ourselves to finish stuff off - I definitely want the inside of the house to be done by the end of March 2019....I've started to choose furnishings and colours to take my mind off the chaos and visualising the finished product is cheering me up a lot!!

    393 days to go......
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
    • the cross rabbit
    • By the cross rabbit 24th Nov 18, 9:14 AM
    • 357 Posts
    • 2,106 Thanks
    the cross rabbit
    so the window saga continues, I bet you are proper fed up with it all and really could do without the agro. Hope they get their heads out their bums and do something about it. I wish people would just admit they've made a mistake and correct it do they not realise that often their reputation can be damaged by instances like this. Fingers crossed you won't have to take them to court.
    CRx
    Mortgage £82,000, due to end July 2036. 18/1/2019 Mortgage £79,150.55
    #67 mortgage free wannabe 2019 £89.79/£800
    • squirrelgirl
    • By squirrelgirl 25th Nov 18, 6:36 PM
    • 345 Posts
    • 1,863 Thanks
    squirrelgirl
    Thanks CR in all honesty I've got beyond the point of no return with them..the letter goes tomorrow and I'll just deal with whatever comes as a result...lifes too short to spend any more time stressing about it - they'll be getting no more money from me and I'm going to carry on with what I need to do as if its all over

    So, good news...sparky came this weekend so I now have working external lights, doorbell and most of the holes bonded!! still stuff to do but he's back on Wednesday or Thursday to finish off plasterer will be here the next week for 11 days and then its just the cleaning, decorating and second fix of the electrics before we can start putting the house together

    ds is doing door frames from tuesday so its a really busy week ahead...work is also going to be full on so I'm unlikely to be able to check in for the next week or so...however, i will read what i can and be cheering everyone on from the sidelines

    391 days to go.....
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
    • squirrelgirl
    • By squirrelgirl 6th Dec 18, 10:18 AM
    • 345 Posts
    • 1,863 Thanks
    squirrelgirl
    Well, we have some door frames done, two doors turned up but both were damaged so they have been sent back. The plasterers have been here for a couple of days and we have discovered that all the ceilings need to be replaced so that is happening at the moment, there is still a mountain of work to be done and I must admit that I am getting a bit fed up with living in chaos but I still think that getting this all done at once is the best option!

    So, I am making plans for the new year - 365 days to clear everything and have a fully owned house that I love. I know that it is going to be really hard work but I am so determined to get this done in the timeframe that I'm certain that nothing will put me off....

    381 days to go......
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
    • squirrelgirl
    • By squirrelgirl 10th Dec 18, 10:52 AM
    • 345 Posts
    • 1,863 Thanks
    squirrelgirl
    My final week at work before I'm off on my winter break!!

    It's been a really busy weekend - finally got the windowsills sorted and the wall rebuilt in between the bedrooms so just waiting for the plasterers to finish this week then we can start decorating!!

    Less than two weeks now to Solstice - I'm really looking forward to the next twelve months, I know that it's going to be really hard work being totally frugal and watching every penny, but to think that in just over 12 months from now I am going to be sitting in a home I love and have the whole thing paid for makes the sacrifice all worth it!! I'm going to have the biggest Solstice celebration I've ever had next year - the grandbaby will be old enough to really appreciate it and it will hopefully be the first really relaxing one that we have had in a few years

    II have gone out this morning and bought some of the alcohol for this year - dil and I decided on the menu a couple of days ago so I am starting to make sure that I have everything that I need - I must admit that shopping at 8am is pretty good - no fighting through crowds or anything I'm pretty much sorted for Solstice now, I just hope that we can get enough order in the house before this one to be able to have a good evening that's relatively dust free!!

    Today, I'm catching up on bits and pieces that I have not done over the weekend and then I'm going to have a peaceful night with some rubbish on the TV and a beverage - dh is away tonight so I'm going to get an early night if I can and catch up on some very needed sleep....

    377 days to go......
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
    • squirrelgirl
    • By squirrelgirl 18th Dec 18, 2:35 PM
    • 345 Posts
    • 1,863 Thanks
    squirrelgirl
    Only a few days to go before the transformation begins!!!

    I'm really looking forward to the next year, I know that it will be really hard work but it will be worth the blood, sweat and tears shed once it's done

    So, today I have done the budgets to a great extent - the house is going to be much more expensive than I originally anticipated (as these things tend to be! ) so I have to reset my financial requirements but not the time frame! Hopefully, I have overestimated the costs of the remaining work and can make savings on certain items, however, I'm currently looking at around £475 to find every month to achieve it!! I still have to balance the accounts so I will do that on Solstice so that i have the most accurate figures possible I should have some surplus here and there so will get that off the figure hopefully on the day.

    In all honesty, I was hoping to be in a better place financially but problems were hit here and there so the costs had to be met. Some of it is me not really keeping an eye on things, that stops with immediate effect - I will hold the budget with an iron fist from now on!

    I had my suma order delivered last week so I have plenty of stocks for the next couple of months - once solstice is done, we won't need any additional fresh stuff for a while so hopefully will do a full week without needing anything at all!

    I'm going to join the grocery challenge on Solstice, I'm going to have to decide on an annual or monthly budget as I'll be doing the frugal living challenge too....I think I will be spending a lot of time on here over the next 12 months!
    12 Month Challenge: Renovations - £1882/£21000; Mortgage - £300/£16000 ;
    MFW 2019 No. 76
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