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    • the cross rabbit
    • By the cross rabbit 20th Aug 18, 11:46 AM
    • 255Posts
    • 1,569Thanks
    the cross rabbit
    the hedgehog's balloons.
    • #1
    • 20th Aug 18, 11:46 AM
    the hedgehog's balloons. 20th Aug 18 at 11:46 AM
    I've been a long time lurker but we received our mortgage update yesterday and it made me feel really low that it doesn't seem to be reducing that fast even though we've been paying it for 7 years. We paid a huge deposit on our current house but its always at the back of my mind that the bank still owns the upstairs part. We currently owe 82,000 with 18 years to go and in January next year our fixed rate mortgage will end. Unfortunately OH will be starting a new job next week and not sure if the bank will let us have another and will have to go on their standard rate as he won't have been in it long. We're a family of 4, OH works full time and also works occasionally as an adult tutor (a couple of weekends a year), both DD are still at school and I am at stay at home mum and full time carer for DD2 who is disabled. We also have a crazy but lovable dog. So my aim is to start small and go to the bank and arrange to OP by 50 a month until my bank of mum (interest free loan) is paid off. Where do I find the SOA page? I think by doing one of these will help.
    Last edited by the cross rabbit; 26-08-2018 at 2:21 PM.
Page 5
    • gallygirl
    • By gallygirl 4th Oct 18, 6:55 AM
    • 16,674 Posts
    • 110,010 Thanks
    gallygirl
    Watched drowning in plastic on the I player yesterday. Made me cry seeing birds that have starved to death because their stomachs are full of plastic
    Originally posted by the cross rabbit
    I live in Spain, on the coast, and every time a dead sea creature is found the local coastal charity do an autopsy. They have often starved to death because of plastic or there is so much it has cut down room for food so they've been more susceptible to disease . There is a local campaign to 'pick up three' bits of plastic every time you go on the beach. The beaches are still being cleaned every day so it's rare I find three but that will change soon and there is always some in the car parks . Plus on quieter stretches you find fishing line .



    Re keeping yourself motivated, I found the best way was to keep making overpayments, however small (2p anyone ) and also to monitor progress in lots of different ways. For example, total paid off mortgage, total overpaid, % paid, original days to pay off, new days to pay off, days saved, original daily interest, revised daily interest etc. That way there is always a milestone being reached . Oh the joy when the daily interest drops into another figure , also when you only need 2.68 to knock another day off the mortgage and manage to miraculously find it . It takes time to set up a complex spreadsheet but then it only needs a little maintenance to update .



    Have a great holiday
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = 0
    "Do what others won't early in life so you can do what others can't later in life"
    • the cross rabbit
    • By the cross rabbit 4th Oct 18, 9:05 AM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    hi gallygirl thanks for the advice on keeping the motivation going on been a MF wannabe. I don't bank online currently, but I think that seeing the mortgage going down and the urge to tilly tidy will keep me motivated. DH loves a spreadsheet and will enjoy developing one once he gets his head round all the details. Will look into it when we get back off holiday.
    Thanks for the info on what is happening in your area around plastic. I take a bag out with me and aim to pick up one each of the following, a metal can, plastic bottle, glass bottle, paper article, sweet/crisp wrapper and rubber bands (kindly dropped by the postie). Most of what I pick up can be recycled and I'm trying to recreate one of those rubber balls made with rubber band. I do use gloves to pick stuff up.
    So today DD2 has a hospital appointment so need to collect her from school and then she is going back for the swimming session, much to her disgust. Need to shop from the cupboards and freezer and make soup tonight for our holiday to keep costs down. DH is calling to see a friend tonight to see if we can use their flat (we pay mates rates) in December and that will be our Christmas present to each other. DH and the DD's don't know but the same weekend there is a beach clean so we will be doing that. Just realised that we may not be having a real tree this year as DH no longer has access to where he got them from . Need to come up with a MSE alternative, any ideas anyone?
    Only 1 more sleep
    Enjoy your your day everyone and always look on the bright side of life (if you can).
    CRx
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • the cross rabbit
    • By the cross rabbit 5th Oct 18, 10:13 AM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    DH trying to sort out mistake over student loan payment as his new employer has started paying. It's been paid but sf has no record of it landing in their account. So he's got to contact work again as has been deferred. Tried to also cancel trade union membership as not applicable to his job and he has to put in writing. However he's had success cancelling sainsbugs cc. 1 out of 3 not a great success rate. Just finishing tidying up before we go away. Kids looking forward to spending time with grandparents whilst we are away ( mum staying here with them). No more sleeps it's finally arrived
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • Crumpets
    • By Crumpets 5th Oct 18, 12:53 PM
    • 966 Posts
    • 3,061 Thanks
    Crumpets
    Have a great holiday Cross Rabbits
    Mortgage March 2011 143,927.6
    Mortgage Oct 2018 82,359.83
    • apple muncher
    • By apple muncher 5th Oct 18, 1:59 PM
    • 8,034 Posts
    • 61,214 Thanks
    apple muncher
    Have a lovely time away.
    NST December in the TARDIS #1; NSD /15; Ex /21 ; craft (261); remove (669)
    2018 Pay off: 4558; 2
    018 sell 98.10; WLOSW 3/10

    Mortgage 18,634 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • squirrelgirl
    • By squirrelgirl 10th Oct 18, 8:33 AM
    • 327 Posts
    • 1,720 Thanks
    squirrelgirl
    Have a fab holibobs!
    15 Month Challenge: House - 13585.85/25300; Mortgage - 1160/17000 ;
    MFW No. 167
    • the cross rabbit
    • By the cross rabbit 12th Oct 18, 7:45 PM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    We're back. We had a fab holiday, very relaxing. I suspect this feeling will only last for the next couple of hours, kids, need I say more . We were in the Yorkshire Moors, one of our favourite places. Did a couple of walks that we could do with DD2 and her off-roading wheelchair as we think we will be returning to that area next year.. Visited Robin Hoods Bay and walked up to Ravenscar to look at the seal colony. Called at the YHA at the boggle hole, would recommend their gluten free carrot cake (another good gluten free cake was found in Hutton-le-hole at The forge cafe- almond slice). Really impressed with the fact the YHA were providing equipment for people to go and do a beach clean, was shocked how much we collected when we did it. Watched the Stacey Dooley documentary on Monday about the fashion industry and pollution, wondering if she will insist on recycled outfits on strictly. I tend to buy my clothes from charity shops these days which is more about cost than anything.Wish I had the skill to alter things or make a totally different outfit. Have attempted to in the past but ended up with something I wouldn't wear in a darkened room on my own. Our holiday came in under budget which I'm really pleased with. DH has agreed that we will look into the Help to save scheme run by the government and will probably use the money to put towards a new car in a couple of years. Having to go and collect DD1 from a party tonight (her first one) hopefully the wind will have subsided by the time I go out. Hope you're all well.
    CRx
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • the cross rabbit
    • By the cross rabbit 13th Oct 18, 7:36 PM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    yep wish we were still on holiday all I'm going to say is . Anyway this is our life and live it we shall to the best of our ability. DD1 had a good time at her party. I got totally lost going to fetch her, good job she has a good sense of direction and memory. She was able to direct me to where i needed to be. Been to one of the local reservoirs for a walk and DH needed to check out where he is going to be running a course in a couple of weeks (2nd job). Managed to sort out 2 accounts under the Help to Save scheme run by the government, just need to go to the bank to set up a standing order. Also sorted out internet banking but managed to forget the password and memorable info and had to reset it several times. Secret words are now firmly lodged within my brain (I hope).Hoping someone wakes up in a better mood tomorrow.
    Hope you've all had a good day
    CRx
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • the cross rabbit
    • By the cross rabbit 14th Oct 18, 7:24 PM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    Happy bunnies all today. Not done a lot really. Got very wet taking the dog out, no leaf scrunching to be had today. Did see one guy who said on days like today he wished he had cats. Made a roast dinner with all trimmings and extra for the girls later in the week. DD2 tried peas and cabbage today . Managed to get DD2 homework sorted although it was like pulling teeth. DD1 has been to rangers today and DH decided to hang around as by the time he got back it would be time to leave again. He had a pleasant 3 hours reading his book in the car and feels suitably chilled out. The house smells of flapjack as DD1 has decided to bake as she wants to cut down on how much plastic enters the house. Fingers crossed it tastes as nice as it smells not that I'll be having any of course......
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • the cross rabbit
    • By the cross rabbit 14th Oct 18, 7:28 PM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    P.S hope you've all had relaxing or productive days depending on which you wanted to accomplish.
    CRx
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • the cross rabbit
    • By the cross rabbit 15th Oct 18, 8:19 AM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    Flapjack was almost a disaster as she used grease proof paper instead of baking paper and it stuck. DH decided to eat with paper on, honestly some people! Anyway mum to the rescue, put it back in the oven and within 5 minutes it peeled off. Decided that the girls will come back on the bus on Monday's instead of me fetching them as a way to save petrol. DD2 not happy but just tuned the whining out. It's raining, not particularly hard and normally I'd take the but again it's a round trip of 34 miles so turned a blind eye to that one as well. Feel really guilty but DD1 says DD2 needs to toughen up as I won't always be around to bail her out. True but harsh (planning for when I'm dead). DD1's ever practical approach to life.
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • the cross rabbit
    • By the cross rabbit 15th Oct 18, 9:47 PM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    Well the best plans of mice and men crashed and burned at the first hurdle. I think I jinked myself this morning by trying to cut down how often I'm picking them up. Ended up at DD2's school as her health issue from a couple of weeks raised its ugly head again. So brought her home and within in half of hour of been home I'd managed to rectify the problem, so back to school we went. A total of 68 miles , but at least she was happy to go back. To be honest I was wondering if she was spinning it, hard to know sometimes. After she went back I went shopping and completely blew the shopping budget (I'd not had chance to get breakfast and was tired as I had only 3 hours sleep last night). Really disappointed in myself as I had been doing so well and its not as we're old mother hubbard. I'm not sure why I'm so obsessed in the cupboards etc been full, I could literally not shop for a month and it not make that much of difference to how much is in there. Its really becoming a problem as food is going by its best before date and something I need to address. I think I need to look on the forum and perhaps join some of the other challenges that involve using stuff up.
    On a separate note made dog soup from the various peelings and stalks from yesterdays dinner. Meatless Monday planned meal was abandoned as it was raining heavily here (not visiting the allotment in this weather), so fell back on old faithful jacket potato, cheese and beans. DD2 was supported to make peppermint creams dipped in chocolate, she will leave me some naked ones as I can't eat chocolate. Also didn't get to the bank to set up a standing order for the help to save scheme but did manage a TT to the mortgage online. Hope you've all had a good day.
    CRx
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • Hazelnutty
    • By Hazelnutty 16th Oct 18, 9:10 AM
    • 151 Posts
    • 809 Thanks
    Hazelnutty
    Be kind to yourself, CrossRabbit. We all have our quirks, niggles and anxieties
    • the cross rabbit
    • By the cross rabbit 16th Oct 18, 5:57 PM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    Thanks hazelnutty. Well after a false start yesterday, today has been a better day. Think I've walked about 9 miles today. Walked the dog for an hour whilst completing my trash hunt (DD1 said litter picking is like a treasure hunt but it's trash instead). Then I walked the 3 miles into town to set up a standing order for the help to save scheme. Called at the library and they had a book I've been wanting to read. Called at moooonsooon as DD2 has seen a handbag that she would like to go with her dress for my sister's wedding. Walked back home via the allotment, started clearing the pumpkin patch. Harvested apples, pears, spinach, carrots, beetroot, two squashes and collected some onions. Not factored in how much it all weighed so took a very, very slow walk home. Hopefully I'll be able to turn that little lot into a yummy tea.
    Hope you have all had a good day
    CRx
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • Hazelnutty
    • By Hazelnutty 16th Oct 18, 6:13 PM
    • 151 Posts
    • 809 Thanks
    Hazelnutty
    Wow that's amazing! I'm doing the Crisis 50 miles in 50 days challenge - you'd boss that in a week!

    Sounds like a positive day
    • the cross rabbit
    • By the cross rabbit 17th Oct 18, 5:27 PM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    Walked the dog to and from the allotment this morning so another 5 and half miles. Decided this body just isn't designed for running more for plodding. I want to be a graceful gazelle but I'm more an arthritic rhino. So walking it will be, it's free and I get to combine it with other things. Harvested chard, leeks,kale and sage. I'll come up with some culinary delights . Hope you all have something that is super yummy for tea.
    CRx
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • Hazelnutty
    • By Hazelnutty 17th Oct 18, 5:31 PM
    • 151 Posts
    • 809 Thanks
    Hazelnutty
    Lovely, CR. There's nothing like homegrown veg. OH has just harvested a book from a charity shop about growing crops in pots so I have high hopes for veggies next year. DD is a tomato freak though so anything growing on those plants gets snaffled before it hits the table.

    You're really clocking up the miles, rhino or gazelle. They all count
    • the cross rabbit
    • By the cross rabbit 18th Oct 18, 1:58 AM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    I would give growing carrots in pots hazelnutty, taste so much nicer when they are freshly slaughtered. Been reading various diaries since I was woken up earlier, currently waiting for some of DD2 bedding to finish in the washing machine, will need to get her duvet in next. Good job I have an extra large machine to cope with it. Hopefully I can then go back to bed and get it all on the line tomorrow. Of course DH has slept through all of it as usual and his response will be never heard a thing.It's been a loooong night.
    CRx
    Last edited by the cross rabbit; 18-10-2018 at 8:51 AM.
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • the cross rabbit
    • By the cross rabbit 18th Oct 18, 9:01 AM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    Washing is on the line fingers crossed it will dry by tonight especially the kylie sheet. Made a small TT of a grand total of 13p to the mortgage, every little helps I suppose. Later today I'm paying for DD1 (part of christmas present) and my sister (my wedding gift to her) to go and have color analysis done. I'm interested to find out what season they both are. My guess would be DD1 is spring and sister is autumn.Need to phone student finances as still not heard from them and OU will be wanting their money I suspect one way or another. Oh no that last bit of the sentence is going to give me an ear worm all day, until i can figure out the rest of the words or who sang it. I know its 'one way or another I'm going to getcha,getcha getcha..........'. Better go as the dog wants her walk.
    Hope you all have sunshine today
    CRx
    Last edited by the cross rabbit; 18-10-2018 at 9:08 AM.
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
    • the cross rabbit
    • By the cross rabbit 19th Oct 18, 9:27 AM
    • 255 Posts
    • 1,569 Thanks
    the cross rabbit
    T/C to SF yesterday and the person I had spoke to earlier in the month had given me the wrong date and the deadline for my application to be approved now is the 30th October. Have arranged for them to email me the student declaration forms so I can get them sent back asap. Obviously went into panic mode as the OU letter I received this week said it need to be paid by the end of this week. T/C to OU and they have agreed an extension, as aware of the ongoing issues with SF. Phew.
    Walked and litter picked about 4 and half miles yesterday and did it in memory of Ian Kiernan who died yesterday. He was an Australian round the world yachets man who was so appalled at the levels of rubbish in the oceans in the 1980's that he began campaigning to clean them up. Since starting to walk alot further this week I've lost a 1lb which is a bonus.
    Booked train tickets as DD2 has a hospital appointment in London in November cost just over 67 for 2 adults and one child.
    Had a interesting time last night with DD1 and my sister. I guessed right my sister was Autumn (colour analysis), although its her favourite season she was not happy at been advised not to wear black. DD1 however I got wrong. Turns out she is winter like me. She was really pleased. The winter colours are what most of her clothes are, which means she does not have to gradually replace anything and more importantly she says she can pinch stuff out my wardrobe, hope she like big and baggy as I'm bigger than her . She pays for her own clothes from a clothing allowance she gets every month from us- 20, (we pay for school uniform,school shoes, underwear, and waterproofs). This will stop when she is 18. By giving her a clothing allowance, it has saved us quite abit of money since we started when she was 14. Its also taught her how to budget, how to shop around, maximise charity shops and best of all buy things that will last. I'm hoping by sending her for colour analysis she will buy things that suit her rather than what the fashion industry is promoting as the new look, which seems to be something different every month. She encouraged me to take her for tea afterwards (didn't need much encouragement to be honest) to one of our favourite fish and chips shops, love chips and mushy peas.
    Managed another TT, 87p to the mortgage this am. Took me 8 attempts as I couldn't remember the various passwords etc to get into my account, proper numpty moment. Well today need to walk the dog, post BIL birthday card, do some work on my OU course, housework and prepare soup for tea.
    Hope you all have sunshine in your lives and if you don't, sending you virtual hugs.
    CRx
    P.S earworm was Blondie 'one way or another' off the parallel lines album.
    Mortgage 82,000, due to end July 2036. 4/11/18 Mortgage 79,872.13
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