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    • greenbee
    • By greenbee 3rd Oct 17, 7:50 AM
    • 12,590Posts
    • 219,754Thanks
    "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 5
    • redofromstart
    • By redofromstart 8th May 18, 4:26 PM
    • 1,674 Posts
    • 9,981 Thanks
    I know its a great one coming from me, but you do need to build some doing nothing time into that schedule, especially with all the travel.
    • greenbee
    • By greenbee 8th May 18, 6:02 PM
    • 12,590 Posts
    • 219,754 Thanks
    Do nothing time seems to build itself in at the moment... and with the travel I'm making clear that they get the time I assign them. Unfortunately there are a couple of issues that can't be resolved as they committed to them without asking me and it would be bad business to undo the arrangements, but they won't be doing it again...

    I've mowed the lawn. It was VERY long (and more creeping buttercup than grass, but who cares ) so took over an hour to do. I should go out and get compost, rose food and petrol (so I can mow again one day) and fill up the car with diesel and then split some more logs, but I'm not going to. I need to locate some food and then sit in the garden with a book before replying to a few emails (I went to pilates this morning and then started mowing at 4pm so I do owe work a couple of hours... although they owe me a LOT more TOIL right now!).
    • greenbee
    • By greenbee 10th May 18, 10:19 PM
    • 12,590 Posts
    • 219,754 Thanks
    Finally got my pension sorted out with work - paperwork wasn't very helpful but HR have got to the bottom of it and are increasing my contribution to maximise the employer contribution. And they're chasing my health insurance paperwork.

    I also confirmed that work cover me for business travel, so no need for additional travel insurance.

    Haven't had a massage appointment for months but am surviving. I've also put singing lessons on hold as they're difficult to fit in. Probably compensates for the nail budget...

    Have to sort out boat insurance tomorrow and book work taxis and actually get round to buying petrol for the mower and compost and rose food. And to stack the logs that my brother helped out with and clear the chainsaw sawdust from the lawn... and write some presentations and business plans.
    • doingitanyway
    • By doingitanyway 10th May 18, 10:23 PM
    • 3,005 Posts
    • 14,700 Thanks
    Glad you got your pension sorted to max employers contribution. You don't want to be missing out on free money
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • greenbee
    • By greenbee 10th May 18, 10:26 PM
    • 12,590 Posts
    • 219,754 Thanks

    They checked my offer to see what they'd committed to (varies by grade) and have said they'll make sure that they backdate the increased contribution.
    • Karmacat
    • By Karmacat 11th May 18, 11:02 AM
    • 29,165 Posts
    • 166,403 Thanks
    That's great news on the pension, thats going to make a big difference in the future.

    Erm, your to-do list for today sounds quite long. And quite energetic! Best of luck with it
    Retired August 2016
    • greenbee
    • By greenbee 13th May 18, 7:50 PM
    • 12,590 Posts
    • 219,754 Thanks
    Didn't get much of it done. So still have the boat insurance and taxis to sort out. And need to drop my library books back as well.

    However, I have managed to get petrol and mow most of the lawn (will do the last bit tomorrow, and possibly some strimming), and done quite a lot of the weeding as well as all the planting and the potting on.

    I really don't know how I'm going to get everything done before I go...
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