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  • FIRST POST
    • greenbee
    • By greenbee 3rd Oct 17, 7:50 AM
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    greenbee
    "Isn't it nice to think that tomorrow is a new day with no mistakes in it."
    • #1
    • 3rd Oct 17, 7:50 AM
    "Isn't it nice to think that tomorrow is a new day with no mistakes in it." 3rd Oct 17 at 7:50 AM
    So after lurking on other people's diaries for the last few years it's time to start my own.

    I'd almost paid off my mortgage 4 years ago when I decided to move to somewhere a lot bigger and a lot more expensive. It was also a project. So for the last few years there have been no overpayments as everything has gone into savings for the next bit of work on the house.

    I remortgaged in August, reducing my payments by 200/month.

    I'm now preparing for the final (I hope!) phase of the renovation work, so while avoiding getting up and ready for work this morning I thought I'd check the overpayment calculator. If I increase my payments to what they were previously this will knock over 8 years off my mortgage.

    I'm not ready to start overpaying yet. I need to finish the essential work and build up some savings, but I hope that early next year I'll be in a position to start reducing my liabilities.

    So I thought I'd start a diary now, while I'm motivated, to record my progress in getting to the point of overpaying...
Page 3
    • juliejim
    • By juliejim 6th Jan 18, 8:53 AM
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    juliejim
    Happy Birthday Greenbee - hope you have a lovely day!
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
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    • redofromstart
    • By redofromstart 6th Jan 18, 10:57 AM
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    redofromstart
    Found you!

    Happy Birthday.
    • greenbee
    • By greenbee 7th Jan 18, 9:43 PM
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    greenbee
    Thanks

    Managed a tea party for 5 kids and three parents with the help of a friend. We recovered by doing the clearing up and eating the leftovers, and then took down the Christmas decorations.

    Today we have packed up most of the kitchen and hung some pictures in the sitting room. My friend had to go home to do her own tidying and ironing in preparation for the work week, but I've done quite well since she left - more stuff put away and lots of laundry done. Haven't done the cooking though, so need to get up early and turn as much of the rest of the contents of the fridge into freezeable food as possible.

    Email from the builder suggests they won't be starting tomorrow as they don't have a quote and a date for the electrician yet - they just know he'll be here sometime this week. I did send back a list of things that can be done in the meantime (blinds, mirror, front door, garage doors etc) and they need to take the utility room units out and the white goods. However, an extra day (or even half day) will at least mean I get the food dealt with.

    There's a funny smell in the downstairs loo/hall/office. Not sure what it is or where exactly it is coming from, but I need to get to the source of it.

    I also have a pre-starting work trip to sort out travel for - a 7am saturday flight is not exactly filling me with joy. But I guess I'll have to get used to it as it's only a couple of weeks till I need to get back into the work habit.
    • greenbee
    • By greenbee 9th Jan 18, 11:58 AM
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    greenbee
    Travel sorted out - airport parking and hotel booked as it's the only sane option.

    Builder has called - electrician is starting tomorrow and builder will be here to seal off the kitchen, move the remaining furniture out, and do all the odd jobs that I need done. I managed to get a LOT of soup made, so when I get the kitchen back I'll have things to eat without needing to do proper cooking.

    Cleaner was here today and we've moved some furniture around - swapped sofas in the sitting room and moved the bedroom furniture around. I need to sort out the carpet now (it needs straightening, and may well need gripper round the edges and put up some pictures.

    Last couple of blinds are also due for delivery today, so they'll be ready to go up tomorrow which will help things to look a bit more finished.

    I guess I should get out for a run, as at least I'll be able to wash my running stuff today. And I need to do my hand washing as well.

    I think the only decision I haven't made yet is the kitchen floor. And I need to email the kitchen people for photos of the second-hand kitchen they are offering me.
    • greenbee
    • By greenbee 10th Jan 18, 10:47 PM
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    greenbee
    Builders and electrician arrived this morning. Kitchen/utility are sealed off, all furniture is out but white goods are still in (so I made scrambled eggs for supper and will put a load of washing on before bed... and at some point empty the water out of the defrosted freezer and put the drawers back in). Wiring should be in place tomorrow. Old soil pipe is out. Unused cold water pipe is out. Dado rail/paper border/tiles & tile adhesive/flaky paint all dealt with. Hot water pipe will be moved tomorrow. Then they can box in and start plastering the kitchen.

    So paint and flooring decisions need to be made early next week, as do WM/TD. Timing is tight but they think they should make the deadline, despite my additional requests for blinds to be put up, bathroom mirror & lights to be dealt with, mantel to go up, picture hooks and coat hooks to be put up and the bedroom window frame to be inspected from the outside.

    I need to remind them that the window frame and the coat hooks are a priority...

    Work starts in a week and a half, and I have an unofficial work trip this weekend. Not a bad time to be away, given the state of the laundry & catering facilities!
    • greenbee
    • By greenbee 10th Jan 18, 10:49 PM
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    greenbee
    Oh... and I have dark purple glittery toenails... I'm making the most of my gardening leave
    • greenbee
    • By greenbee 11th Jan 18, 9:15 PM
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    greenbee
    Kitchen lighting and wiring is done. Old soil stack has been removed and hot water pipe moved into the corner. Ceiling has been repaired. Tomorrow they'll skim the kitchen and it'll be left to dry out over the weekend. Monday they'll do the utility room and then latex the floors with the underfloor heating in. Hopefully I have a couple of friends visiting on Monday who will take the WM, TD and some of the utility room units away.

    So tomorrow I need to do a final bit of shopping for my work weekend away and then pack and head off and concentrate on work.
    • greenbee
    • By greenbee 14th Jan 18, 8:02 PM
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    greenbee
    Work weekend was fabulous and I'm REALLY looking forward to starting work ... so I need to get the house sorted. Paint colours, flooring and white goods need choosing asap.
    • greenbee
    • By greenbee 15th Jan 18, 12:59 PM
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    greenbee
    Have located the white goods I want (I think) but don't have a date yet as to when they can be installed so am putting off ordering them.

    Ceilings and coving and mist coat are sorted (white!) and we may leave the final colour to be done when the kitchen is fitted which will save time and a decision at this stage.

    Someone is arriving shortly to pick up as many of the utility room units as we can fit in her car. Builders will be helping as we need to free up the garage space for white goods.

    Tree surgeons have nearly finished and the garden is looking bare but surprisingly un-messy. All the stumps have been ground out and anything that is suitable for logs has been left for me to split. They're also going to quote for cutting the hedge and book it into be done twice a year, so I don't have to think about it.

    And I've put mole traps down as there's another one of the pesky things running about under the grass.

    I think I've made a decision on the floor tiles, so need to go and pick up a sample once all the people are out of my drive.

    I was going to go for a run, but it keeps raining and people keep asking questions.
    • greenbee
    • By greenbee 17th Jan 18, 10:55 AM
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    greenbee
    So on Monday evening the builders seemed to think that they'd be running over into next week. Which made me hugely stressed as I start my new job on Monday and really don't want to be doing that with no cooking or laundry facilities, piles of boxes everywhere and noise and dust. Plus there would only be one of them next week which would make putting all the white goods back rather hard work.

    I barely slept on Monday night, and yesterday morning - just before I went out - I said that they had to finish by Monday, so to come up with a plan for what would be done by then - bearing in mind that everything has to be useable. If it meant not tiling the floor or whatever, it would just have to wait.

    I came back in briefly and we had another chat about options including them working late on Thursday and over the weekend (I'm away) I then went out for lunch and a walk. By the time I got back we seemed to be back on schedule...

    Electrician arrived at 8am, so kitchen lighting is going in and we've agreed what needs to happen in the utility room in terms of electrics. I've been to pilates and the sun is now shining, so I should probably go out and do some gardening given that everyone else is being productive! There is only one bed left to weed and if I can do that and tip the last of the bulbs (which should have been planted in November) in there, then I'm pretty much on track with the garden.
    • greenbee
    • By greenbee 17th Jan 18, 11:10 PM
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    greenbee
    Oh... and I offloaded 2 pairs of curtains, my old heating controls and a whole lot of curtain poles and fixings on some friends who should make good use of them.
    • greenbee
    • By greenbee 27th Jan 18, 12:28 AM
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    greenbee
    So... um... it's been a while.

    Builders were out on time. I went to stay with friends on Friday (had a fabulous weekend with friends and family) and when I got back the builders had tiled the kitchen & utility and put the WM, TD, DW, fridge, freezer, cooker sink and a couple of tables back in. And the cleaner had been and cleared up downstairs after them.

    Started work on Monday - went into the UK office to see HR and my boss... worked from home Tuesday (mostly dealing with the social media response to the press release which surprised us - keeping quiet about my move was clearly worth it) and then got on a plane to travel with my boss to another office. Plane was delayed by a couple of hours, so we got in around 2.30am... two days in the office, then flew home. Worked from home today and did laundry as I'm off to the US on Sunday.

    LOVE the new job. Love the people, the culture, the teamwork - all of it.

    Was paid today by old employer - despite finishing with them on 22nd Jan I have more in than usual as they owed me holiday.

    I've been spending more than I should as I've needed things for work - I will be in the office more, so need something between client-visit-suits and scruffy-work-at-home options, but the new salary kicks in next month so I should be able to start saving again.

    It's going to be hard to keep on top of things for the next few months, so I need to make time to focus on getting the rest of the work on the house done and putting the necessary accounts and DDs in place to start building savings and overpaying the mortgage.
    • redofromstart
    • By redofromstart 27th Jan 18, 8:52 AM
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    redofromstart
    So pleased that you like the new place, and just reflect on how much got done during the gardening leave, rather than just on how much got spent.
    • greenbee
    • By greenbee 27th Jan 18, 10:52 AM
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    greenbee
    Fair point... it's a huge amount of progress.

    I'm now doing laundry and about to go and get my roots done. Hopefully I'll get myself moving in time to have a quick look for a slightly bigger suitcase (my hand luggage one is about 4cm smaller than it has to be, the hold one is 4cm too big to take as hand luggage...), and something to replace my laptop bag with. It's a 4 day trip but I want to travel hand luggage only - no suits to take, and only one lot of gym kit as I can wash it while I'm there. Need to plan my wardrobe (and shoes... these are always the problem) carefully.

    Managed to get the coat rack up last night with the help of a friend, so that will help to get a few more bits and pieces out of the way.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 27th Jan 18, 1:15 PM
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    wishingthemortgaheaway
    Have a look for 'capsule wardrobe ideas'
    I like the 5,4,3,2,1 method when I go away. It really does cut down on the unnecessary 'just in case' extras.
    I do swap some of the items though, as I think this system is designed for a beach holiday.
    The 100 payment countdown (each payment = 400) 2018 Starts at 13/100 o/s 34,750.
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    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1600ish/2,500
    • greenbee
    • By greenbee 27th Jan 18, 6:18 PM
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    greenbee
    Having access to a washing machine and dryer is going to cut what I need dramatically.Only one lot of running stuff, and that can involve shorts - may need to take leggings in case I decide to go spinning/to the gym as shorts are not suitable in mixed company!

    I've just spent lots of money on my hair, some new jeans (seeing as work now requires jeans rather than suits), a blouse, some ankle boots and a 3 bags... I now need to unearth some summer clothes, work out what I need to wear while I'm away, including what I can wash and wear again.

    Slightly nervous about who I'll be sharing an apartment with. I know they're full and have no idea how they decide who is sharing with whom. As there are no other women on this trip (at least, not that anyone has mentioned) it'll either be someone I've only met once or my boss.
    • greenbee
    • By greenbee 3rd Feb 18, 6:51 PM
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    greenbee
    Work trip was fabulous. Had the apartment to myself I've been told that where possible I'll be in the same one every time and am likely to have it to myself unless a. there is another woman travelling or b. there's major overcrowding. Those of us who travel most get priority, and I've been told I can leave stuff there (HUGE walk-in wardrobe so plenty of room to leave clothes and anything else I need - so next trip may involve shopping).

    Three weeks at home due to UK-based meetings every week (could fit in a European trip for a day or two but unlikely at this stage), and then I'm off to Brazil for 3 days.

    In the meantime I need to a. pay the builders for what they've done and b. get them to come in for the odd day to sort bits and pieces out. So I need to make a list and email it to them along with the days I can offer them.

    I also need to choose paint for the kitchen & utility room as that will allow some progress (most of the utility room can be done before the kitchen which will help).

    Fraud on my credit card while I was away is unhelpful - but has made me get my act together and apply for a new card specifically for work. In a month or so I'll also apply for another one which I'll just use for online transactions and keep the limit low.

    Lots more spending has been going on for work clothes, new make up etc. Need to have a thorough sort out of my wardrobe and get it all out so I know what I've got. With the way travel is going I can't really put summer stuff away in the winter as I seem to need it...
    • greenbee
    • By greenbee 11th Feb 18, 8:21 PM
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    greenbee
    Replacement credit card has arrived, but the work one hasn't yet. Hopefully it will appear soon.

    Four days in the office this week, which will be a challenge. Car needs a new exhaust, but the part is on backorder apparently (don't understand this, it's just an exhaust) so is currently held together with some temporary welding. I also need to get them to check the tyre pressure sensors, as the pressure was down a lot (on the ones I could see the reading on when I did them - it always seems to be at the wrong angle) and the alarm hadn't gone off. I guess the wear needs checking too, and given the size of the potholes and state of the roads I suspect the tracking is probably a long way off. If I'm going to be going into the office this much on a regular basis I may well upgrade the car once the house has stopped swallowing all my money and I've managed to rebuild my savings (so could be a while).

    I spent most of yesterday in bed reading books, which was probably not the most sensible idea given how much I have to do, but today has been a bit better - a quick run this morning, some laundry and swimming with the kids. Didn't get round to sorting out paint samples, but have paid the builder and emailed him - he's going to clear the rest of the rubbish from the garden sometime this week. I suspect he has the time at the moment to come back and do bits, but I'm not sure when I have the time for it to be convenient at the moment. At least it'll give me some time to save up, as rather a lot of money has been going on clothes recently...

    Need to deal with some work admin and get my head round presentations. I'm hoping that being in the office a bit will help, but suspect that all 4 days will be pretty full on. I'm really enjoying the work, but it's a bit of a shock to the system, and the house being in such a state doesn't help.

    The office, however, is now pretty organised, so I can get on and order the rest of my IT kit. I've started putting stuff back into the kitchen so I have things to use, and have put a boot rack back in the utility room. The sitting room, dining room and hall are starting to look a bit tidier as a result, but I need to make headway upstairs as well so that packing/unpacking are easier, and I know where all my clothes etc are.

    Guess I'd better get on and sort a few things out before bedtime! I need to make some breakfast and lunch to take to work too... veg intake has been shocking recently, so maybe some kind of winter salad might be an idea for lunch. Breakfast is yogurt, oats, fruit & seeds. Oh, and I've finally got round to making some yogurt - I'll manage a couple of batches before I'm off again.
    • greenbee
    • By greenbee 18th Mar 18, 3:06 PM
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    greenbee
    Work has been busy - I've been away for most of the last 3 weeks, so have been focussed on that rather than the house.

    Builder removed the rubbish, I have paint samples but still can't decide on colours so need to get that sorted over Easter and then book him to come back. Even if the kitchen can't be finished, the utility room could be done.

    My brother has suddenly asked for the details of the large wardrobe which is currently way too big for the room that it's in. Hopefully he'll have a home for it and I can start thinking about rearranging the bedrooms and sorting out the storage upstairs. We may swap some beds around between my house and my mum's after Easter too.

    I still have 5 blinds to put up and must stop being so feeble about it. I just need to measure and drill. It isn't difficult, just tedious and requires concentration. I also need to get my brother over with his chainsaw to cut down the bits of tree on the patio into lumps that I can split and stack.

    Bulbs have started coming up, so hopefully once the snow has gone the garden will start looking nice - I still have work to do on it, and need to order some plants so that I can get them in while I'm home (should be in the country for 4 weeks now).

    I was paid for 5 weeks in the new job at the end of February, which was nice. No pension contribution being paid at the moment, so more in the bank - hopefully this means that I can save enough to get the house finished in the next couple of months and then focus on planning my finances for the future.

    It's snowing today, so the stove is lit, I have plenty of logs and coal in the house and no need to go out. I'm still jet lagged, but need to do something more than lie around reading books... I've done laundry, but there is always more tidying to do, and filing and paperwork, and possibly getting a few bits of work sorted. Or I could just lie around reading books...
    • redofromstart
    • By redofromstart 18th Mar 18, 9:09 PM
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    redofromstart
    I hope you read books in front of the fire like a sensible person.
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