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  • FIRST POST
    • Cheery Daff
    • By Cheery Daff 11th Mar 18, 7:28 AM
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    Cheery Daff
    Cheery's country living adventure
    • #1
    • 11th Mar 18, 7:28 AM
    Cheery's country living adventure 11th Mar 18 at 7:28 AM
    Hello lovely people

    I'm Cheery, been around these parts a long time now and had several DFW diaries over the years, most recently here.

    We are two - Mr Cheery and I. We've been together over 12 years now, and last week we moved from the middle of the city to the middle of nowhere. We were snowed in within 24 hours and unable to leave for a week Quite an introduction to country living

    I now have a mortgage for the first time in my life Mr Cheery had one before, but as it was near the end when I met him, we never added me, and then it got to the end of its 25 year span a few years ago. Now we have a brand new one, and I would like to pay it off as soon as possible

    It's going to take a while - we've borrowed 215,000 over 25 years A reasonable rate though (1.8%), fixed until Sept 2019. Our monthly payment is 890, and I'd like to overpay by 10 at least - with the aim of on average paying off an extra 110 a month to take it up to a round 1000.

    If we don't pay it off early, it'll run til I'm 62, and Mr Cheery is 80 A good incentive to get on with it

    Sadly our building society doesn't have online banking for mortgages (bloody ridiculous) and only sends annual statements, so it looks like I'll be ringing them up every five minutes for a new balance

    I would love it if you dropped in occasionally for a nice cup of tea, especially if you brought along some cake

    More details in a minute
Page 14
    • starnac
    • By starnac 23rd Jul 18, 11:10 AM
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    starnac
    to the quote Cheery. Yes doing it in stages like that isn't ideal but at that price I'd be doing the same thing. Blimey!!



    Lovely that you've got a great neighbour. He sounds very helpful.
    Savings 2235.59
    Overpayments #182 made 467.13/1208.15
    Make 2018 in 2018 #70 688.42/2018
    • Cheery Daff
    • By Cheery Daff 24th Jul 18, 9:16 AM
    • 8,349 Posts
    • 41,893 Thanks
    Cheery Daff
    Morning all

    Yes, neighbours are indeed very helpful I feel quite guilty actually as there's very little I can do for them (other than letting their cows graze our fields of course which I suppose if you're a dairy farmer is quite useful ) Doesn't feel equivalent though!

    Glad your salvia is surviving KC! My tiny cucumbers are still tiny but they're being joined by some equally tiny french beans so all good

    MSE things for today...

    * went for a run, so free exercise
    * gave a meter reading to the electricity people - it was way lower than their estimate from 1st July, and almost as low as their estimate from 1st June so I hope this will stop it flashing up 'YOU ARE USING MORE THAN YOU ARE PAYING FOR, PLEASE ADJUST YOUR DIRECT DEBIT' from flashing up every time I visit... It's because we used three electric heaters for a few weeks when we first moved in - they seem to think we'll still be using them

    * put the plug in yesterday when I had a shower - keep meaning to do this and forgetting Used the water for the tomatoes etc last night Saved about 45 litres I think Water saving is one thing I've been shoddy on this year. I've got 2 water butts, but it's not rained since I fitted them so I've been back and forth to the tap. Not any longer though - washing up and shower water all the way from now on

    Er, that's it I think. Mr Cheery has to go to the big city later this evening, so I'm going to go with him and sit in the library for a few hours to get some stuff done Means I can justify taking the afternoon off to potter about

    Nowt else to report I don't think! Still wading through our lettuce mountain Hopefully by the time I'm done with them we'll have a cucumber mountain to wade through

    Have a good day all
    Mortgage over payments since Feb 2018 = 619.25
    • starnac
    • By starnac 24th Jul 18, 2:11 PM
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    starnac
    How do you get the water out of the bath Cheery? I've been meaning to do this for a while but our water butts seem to be holding at the moment (our garden is WAAAAAAY smaller than yours!) so it hasn't been top of my priorities. Plus the thought of going back and fore with buckets really doesn't appeal to my lazy side so I was wondering if you had an easier way?

    PS I'm sure extra grazing land is helpful to the farmers
    Savings 2235.59
    Overpayments #182 made 467.13/1208.15
    Make 2018 in 2018 #70 688.42/2018
    • Cheery Daff
    • By Cheery Daff 24th Jul 18, 3:23 PM
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    • 41,893 Thanks
    Cheery Daff
    No easier way starnac - I put the watering can in the bath and scooped the water into it with a jug Going back and forth doesn't appeal to my lazy side either but sadly I didn't get the water butts until a few weeks ago and it hasn't rained since, and we have no outside tap up by the veg so I'm back and forth into the house to the actual tap anyway. Going to the bath doesn't make much difference! (our bath is on the ground floor, although the house is quite bizarre so that part of the ground floor is still up several steps from the garden...)

    Sorting out water storage is DEFINITELY on my list for this year. One water butt will be fine when it actually rains, the other isn't linked to anything at the minute - I was going to leave the lid and just let it fill, and I've put a load of weeds in it to make fertiliser tea, but I think I'm going to take them out and connect it to the other side of the greenhouse. That way both of them will be up by the veggies for when needed (except they probably won't be needed then as it'll be raining

    I'm pretty sure between them they would have just about covered us over this dry spell - if they'd had any water in before it started
    Mortgage over payments since Feb 2018 = 619.25
    • greenbee
    • By greenbee 24th Jul 18, 4:21 PM
    • 12,894 Posts
    • 222,603 Thanks
    greenbee
    Cheery - you can connect a series of waterbutts together, so that when one fills up it overflows into the next etc. That might solve your problem.

    Must get my waterbutts sorted out before next year...
    • edwink
    • By edwink 24th Jul 18, 4:54 PM
    • 2,043 Posts
    • 13,452 Thanks
    edwink
    Hello cheery and chums

    Hope everyone is managing to keep cool in the hot spell of weather we are having. What is it like where you are Cheery? Good for the veg growing I suppose so mustn't grumble although I really do not enjoy it when its this hot. We are in the mid 80F here and south facing. Everything is growing nicely but it cant get watered quick enough especially one of the greenhouses as that is in the full sun.

    Just a little reminder for when you get your hens Cheery don't forget to rig up a waterbutt for them from their hotel roof if you can get another one from somewhere. Our girls only drink rainwater here and we have 3 x 250ltr ones just for them. At the moment we have about half of that amount left for them so looks as though they will be drinking tap water in a few weeks or so. All of our veg watering butts are completely empty now so having to use tap water and sink water when we have it.

    Not sure which button I have just lent on from my keypad but the print size on my screen has just changed. I am laying on a reclining armchair in my north facing living room with a fan blowing right at me whilst typing this. I am surprised I haven't lost the whole post tbh as my laptop is bouncing everywhere when I type. Before coming in for a cool rest I treated my hens to an ice lolly and they loved it and made a right mess of it. Just trying to cool them down that's all

    Enjoy the sunshine.

    Edwink x
    Last edited by edwink; 24-07-2018 at 5:06 PM. Reason: spacing
    3.36 kWp system, 10 x Ultima & 4 x Panasonic solar panels, Solar Edge Inverter
    6 ducks ~ 3 hens ~ 1 handsome Cockerel
    2000ltr Rainwater harvesting system for loo flushing Hybrid Toyota Auris car

    Hens & ducks chat thread
    http://forums.moneysavingexpert.com/showthread.php?t=5282209
    • Fortune Smiles
    • By Fortune Smiles 24th Jul 18, 6:23 PM
    • 2,925 Posts
    • 24,317 Thanks
    Fortune Smiles
    Farmers are desperate for grazing at the moment Cheery. The lack of rain has meant it's in very short supply. We calculated the going rate for pasture land was around 90 an acre a year. We don't charge our local farmer though as he cuts our hedges for us and the animals keep the grass down saving us the cost of cutting it. I think it's a fair exchange.

    Fortune x
    Mortgage: 8% paid Overpayments: 3908.56 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • pinkypig
    • By pinkypig 24th Jul 18, 10:18 PM
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    pinkypig
    Your neighbours sound lovely Cheery (just as well with that quote). You worked wonders on your last place, I'll bet you have this one licked into shape in no time
    MFW 2018 #157 Target 15,000

    23,095.71/15,000
    • themadvix
    • By themadvix 25th Jul 18, 8:46 AM
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    • 11,686 Thanks
    themadvix
    Thanks for the reminder to put the plug in the shower Cheery - I shall endeavour to remember from now on! Our water butt quickly got used up topping up the pond (necessary for the fish!), so we've been using tap water for watering too.

    Evening in the quiet (air-conditioned?) library sounds lovely
    OPs 2018 = 2090
    Moving savings = 3085
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • starnac
    • By starnac 25th Jul 18, 6:40 PM
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    • 25,218 Thanks
    starnac
    No easier way starnac - I put the watering can in the bath and scooped the water into it with a jug
    Originally posted by Cheery Daff

    *sigh* never mind! DH has rigged our water butt to catch the rain coming off the shed roof. The neighbours thought he was mad putting guttering along the shed but it's done us well.

    I like the idea of one overflowing into another greenbee. That would be very useful over winter, hopefully leaving a lot of water for the summer.
    Savings 2235.59
    Overpayments #182 made 467.13/1208.15
    Make 2018 in 2018 #70 688.42/2018
    • Cheery Daff
    • By Cheery Daff 31st Jul 18, 6:28 PM
    • 8,349 Posts
    • 41,893 Thanks
    Cheery Daff
    evening all

    edwink, I LOVE the idea of giving hens a lolly ice However I am quite protective of my lolly ices so they might have to have one of my bitter cucumbers frozen instead

    Our neighbours are indeed lovely We met a couple more today - wives of some of the ones we've met so far. Most of the one's we've already met have been men as they're the ones out chasing cows around

    Water butt is filling nicely Must connect the second one too it (there's a hose, they're just in different fields at the minute). Of course, the connector pipe blew out on the first night it was rainy and windy so I didn't collect anything at all... hopefully it's more secure now...

    Big MSE news of the week is I had an email from the electricity company about the wayleave - I'd contacted them to see what the situation was (as the house vendors had no records) and they'd said it was an 80 annual payment.

    This week they sent a letter to ask if we'd prefer to have a 14 year 'termed agreement' and a lump sum of 2000 instead I need to ring and check, but as far as I can see it's not an easement (so not tied to the house deeds, and ends if we sell), but does mean we can't ask them to move or remove the electricity poles in those 14 years. Given the poles only serve us and one other house I can't see us asking them to move them anyway...

    Just need to check we're not actually giving them permission to build a substation or something and then I think we'll say yes. That'll be a nice chunk off the mortgage! (Or perhaps a nice chunk into the emergency fund, not decided yet...)

    Mortgage over payments since Feb 2018 = 619.25
    • Cheery Daff
    • By Cheery Daff 11th Aug 18, 2:53 PM
    • 8,349 Posts
    • 41,893 Thanks
    Cheery Daff
    Afternoon chums

    Hope you're all doing well. I WAS doing well, until I had to pop into online banking for something Don't panic, I'm a way off the overdraft, but FAR lower than I'd expect at this point in the month Had to take a deep breath, and sort out YNAB (which I've not done since the last week of July, which explains a few things...)

    Trying to look on the bright side...

    * we are NOT destitute. We have enough for our needs, and we have savings. We have a roof over our heads, enough to pay the bills and have some treats, and we are nowhere near starvation.

    So. Now that's out of the way, what's been going on?!

    * Both cars have had 'issues' in the last few weeks. One cost 420, and the other 292
    * I've had to have a crown at the dentist, which was another 256
    * I rejoined slimming world 55 but that covers 12 weeks so not too bad
    * Farmer unexpectedly offered to take our chimney down - we didn't have to pay him, but did have to pay 250 for scaffolding.

    Come to think of it, that 250, plus another 100 we've spent on tools, dust masks, ear defenders etc for Mr Cheery to do some more of the work himself, should really come from the savings we'd put aside from the work, rather than just general income - that feels marginally better

    Anyway, an unexpectedly spendy few weeks...

    Also some stupid things:

    * stupidly let a magazine subscription (initially 3 for 3 issues) roll over at a cost of 20 Completely my fault, not impressed with myself!

    Still haven't rung the wayleave people to sort that out

    Did get a refund from an event I was going to that got cancelled - 85 returned, but I hadn't claimed it from Paypal so I've done that now.

    Basically completely taken my eye off the ball of all things MSE SO easy to head down the slippery slope

    Mr Cheery's birthday is tomorrow too and I confess I splashed out a bit on something he *really* wanted but couldn't bring himself to pay for... (but it was covered by the refund from my event so not toooo bad). We'll likely end up going somewhere for lunch and a cuppa though.

    So all in all, I need to pull my MSE finger out again, keep on top of YNAB, and pop in here more often!

    Anyway, enough beating myself up. Everything is fine really, as I say we are not even anywhere near the overdraft and it's payday on Friday Also, (trying to make myself feel better now... )

    * if we get this wayleave payment, that'll be 2000 for the savings account, which will make me feel a LOT more comfortable
    * next payday (September) I get a pay rise should be about 60 a month which will hopefully help things feel a little less tight - I'm going to try to put it into savings, as we're not adding to savings at all at the minute which I don't like
    * in another 6 months, LPG payments will be reviewed. Currently 84 a month, but I don't think we use enough to warrant that. Hoping we'll have a surplus at that point so payments can reduce
    * Electricity is currently 58 a month - we used a LOT when we first moved in cos of the electric heaters, and we still haven't paid off what we used then (they want us to increase the DD to 90! No!) but it's going down and in a couple of months we'll be building up a surplus ready for winter. We'll also have new radiators fitted in the rooms that don't have them before it gets too cold.

    So all in all, hopefully things will get a bit less tight soon. I HATE not adding to long term savings Stupid really - I didn't even have any savings for years and managed fine!

    Anyway, on that note, I'm off outside to do some digging Got a few plants in the greenhouse that need to go out, got some willow wands that have been living (and growing) patiently in a bucket for the last 6 months, and got a chicken house to construct!
    Mortgage over payments since Feb 2018 = 619.25
    • julicorn
    • By julicorn 11th Aug 18, 3:08 PM
    • 461 Posts
    • 1,712 Thanks
    julicorn
    That's quite a lot of irregular expenses at once, no wonder your account balance is lower than usual! Sounds like you've got it under control though
    Original mortgage: December 2017, 203,495
    MFW start: April 2018, 201,800
    Current: 183,900
    • Cheery Daff
    • By Cheery Daff 11th Aug 18, 3:50 PM
    • 8,349 Posts
    • 41,893 Thanks
    Cheery Daff
    Vaguely under control julicorn But I remember the days when that type of thing would have crippled me SO very grateful those days are behind me!

    Forgot to tell you we actually witnessed a cow giving birth the other day! just coming back from my run & the farmer came up behind me on quad bike to assist, so I rang Mr Cheery and we watched (we did ask first!!) Quite an experience!
    Mortgage over payments since Feb 2018 = 619.25
    • rtandon27
    • By rtandon27 11th Aug 18, 4:02 PM
    • 2,329 Posts
    • 14,955 Thanks
    rtandon27


    Oh Cheery - sorry to hear about your ouchy month!

    ...but remember how it used to be pre-MSE...

    ...and as you said...

    you are NOT destitute... you have enough for your needs... and you have savings...

    ...don't forget that you are blessed
    2 YEARS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    Working hard to keep all the balls in the air and juggle the budget!
    • Cheery Daff
    • By Cheery Daff 11th Aug 18, 5:35 PM
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    Cheery Daff
    Oh I have not forgotten that RT, don't worry! I know how fortunate and privileged I am and remember that every single day. Just had a moment of concern when I thought about the prospect of spiralling downwards again!

    Done some good digging this afternoon and listened to some cheery podcasts - all good. Tired now - not exactly a good precursor for running
    Mortgage over payments since Feb 2018 = 619.25
    • themadvix
    • By themadvix 13th Aug 18, 11:02 AM
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    • 11,686 Thanks
    themadvix
    It does sound like it was an unusual few weeks expense-wise, rather than the norm!

    Wow to the cow giving birth - how lovely!
    OPs 2018 = 2090
    Moving savings = 3085
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • starnac
    • By starnac 16th Aug 18, 2:10 PM
    • 5,344 Posts
    • 25,218 Thanks
    starnac
    Wow! To the cow giving birth! As kids we were regularly taken up the farm to help with lambing but I can't say I've ever seen a cow give birth! That's amazing!


    That is a lot of expenses all at once! But like you say you are okay. Thankfully you have MSE knowledge behind you so that you are able to deal with month's like this.
    Savings 2235.59
    Overpayments #182 made 467.13/1208.15
    Make 2018 in 2018 #70 688.42/2018
    • Cheery Daff
    • By Cheery Daff 16th Aug 18, 7:42 PM
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    Cheery Daff
    Indeed. Good job really as now apparently Mr Cheery has to have a crown too!
    Mortgage over payments since Feb 2018 = 619.25
    • pinkypig
    • By pinkypig 18th Aug 18, 7:11 AM
    • 1,517 Posts
    • 11,681 Thanks
    pinkypig
    Hiya Cheery

    Dentists are so expensive Necessary though! I had a month of unexpected bills a while back and it's so frustrating but at least you have the money put by. Frustrating is better than stressed and anxious.

    Good luck with your renovations, your new home sounds just fab
    MFW 2018 #157 Target 15,000

    23,095.71/15,000
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