Debt busting!

Last night we paid off our credit card! £3800.88 of debt, poof, gone!

We decided to use the money we had saved for New York to do this, as we have no idea when we will be going, but also, I don’t think we will be doing a big road trip if we do go next year. We have no idea if the Wedding we were due to attend out there will be squeezed in next year or not, but I know the bride to be doesn’t like the cold so it would likely be in/after June 21 if it were to happen. We should be able to save £2k by then and we have a voucher for the previous flights so will only need a hotel and spends.

So in a couple of months, we have managed to pay off our car- approx £2700 and our credit card! I still have the 5k loan (untouched) and hubby has a long lasting 0% credit card for his truck. So those two and the house are now the only debt we have. Probably equating to £8.5k.

It feels good to know that what we have saved so far this year enabled us to have paid off two debts. Due to hubby’s job change we aren’t able to roll the saved payments into any other debts, the £100 I spent on the card can go over to the house, but the car is part of the loss if income from the new lower wage. I am interested to see what his first wage will look like and how it will affect our savings/outgoings. We have money set aside for the cars MOT and Service in Oct, I have paid the house insurance in full and we are doing ok.

We have our holiday booked in Jan to Florida- everything crossed that this will go ahead, we have fully refundable car hire paid, hotel paid, transferable flights and disney tickets so worst case we should be able to rearrange. Would be sad though! No holidays planned this year, just some pottering out as we are still being very careful with Covid.

Stay safe!

Mortgage Update- September 2020

As of the 1st September 2020 our mortgage stands at:

£146,846

Knocking £408 off the capital this month, not bad going considering this was with our reduced OP of £50. This indicates it will be every third month we will drop into a new thousand bracket. Would have liked to continue the bigger OP especially as now I can check the mortgage online and monitor the capital, nevermind! Life is always up and down!

Take care everyone!

Mortgage Round up for the year!

Gosh, I can’t believe that it has been another year in mortgage world! Received our years breakdown and I do like the look of what progress we have made in this time. Overpayments have varied, as life is never straight forward but overall we are seeing big reductions in the mortgage especially compared to when we first got this mortgage- the interest made up 3/4 of the monthly payment, my goodness that was a painful time!

In December I wrote a post about my plans for the mortgage, including projections on how OPs will shape it. As of the 1st August 2020 the mortgage stood at £147,254. The projection I made in December 2019, based on moneysavingexpert’s mortgage overpayment calculator, was – £147,459 by December 2020. So I am very very pleased to see that the OPs previously made meant we hit that 4months early!

So here is what we have achieved this past year:

£10,201.76 has been paid to the mortgage

£3,193.04 of which was in interest

£7,008.72 of which was capital

Based on the current mortgage balance and rate, another year with no OPs will see our mortgage stand at: £142,607 in August 2021. As it stands, we are still making a small OP of £50, this still makes a noticeable difference long term. We will pay the mortgage off 2years and 2months earlier, saving £4352 over the lifetime of the mortgage. In a year the mortgage would be: £142,001 knocking 601 pounds off the morgage in a year. That doesn’t sound as good as when we paid more, but it is better than nothing and over time makes a big difference. And you never know, we might be able to increase those payments again soon! 🙂

August 2020- Mortgage update!

So, after Tesco decided to stop mortgages and popped us over to Halifax, I have finally managed to logon, reduce the OP- sadly necessary- and find out where our current balance is at! We haven’t stopped the OP, just reduced it from £250 to £50. This means we will be paying £716.72 a month, we can also stop the £50 if needed at any time.

So, drumroll please! Our current mortgage stands at:

£147,254

I am very hopeful to get back into regular updates about the mortgage now I have got access again!

Take care everyone!

Lose one debt and gain another!

So in exciting news, we paid off the car loan last week and recieved confirmation in the post yesterday. We will be getting £56 back, and possibly £186 as we paid that as well as the whole balance, the person on the phone was unsure if it had been counted or not.

So we own our car outright! It doesn’t save us any interest as it was a set sum, but it’s nice to know it’s gone! Hubby has his new job and this means that he won’t have to pay the car anymore and goes someway to help with the fact he will be earning about £400 less a month. We will also, sadly, be reducing the mortgage overpayments to £50 until we get used to the reduction in wages, and then hopefully we can play around a bit and increase it again. That is another £200 less to find so this and the car loan should cover the loss of earnings.

So, whilst we have removed the car loan, I have got a £5k personal loan as I am going to have a gastric balloon fitted to help me with my weight loss issues. Part of me wonders if I should just bite the bullet and have the gastric bypass, but that is life altering (and over double the price) and if I can have the balloon and learn to change my eating behaviours (this company offers 18months psychological support) then I won’t need the surgery. That is my plan anyway. And I can afford my loan and pay a small chunk off the credit card every month, without it impacting on the house account or Hubby’s contribution.

So one giant step forward for the car, one small step forward with the mortgage and a step backward getting a personal loan- but ultimately if it can help me with my eating issues, then it will be money well invested.

Take care everyone!

Jodie

And I’m back….

So I went AWOL again, I feel like life has just been weird and constantly full of mild anxiety. We had a horrible time with hubby’s work, my work has continued and we have lost some lovely elderly people (at work, not home, not covid, just end of life stuff) and covid has had my moods swinging like a flag in the wind!

We have continued to over pay the mortgage, pay down the credit card, then added more onto it (more on that later), put on weight and moved less, then started to think about food again and move more…

We made a veg bed and are slowly filling it with gravel, then will come the soil and I can plant plants, I have been infusing vodkas, fun! Hubby now has a new job starting in a month which will see our incomes decrease, and hopefully stress levels decrease. We have booked to go back to Florida in January, have no idea when the wedding we were meant to be going to in New York is going to be so thats on pause.

Little dog developed a lump and has been lame on his front leg, apparently a fatty lump and probable arthritic changes, can do an x ray but he is such a stresshead and treatment won’t change so not doing it. He has tramadol in the mornings, metacam in the evenings, and we continue on yumove. Big dog just seems to be getting so much older, makes me sad, love them both so much! We lost our last three rescue chickens- all different symptoms and vets with no clue over two months, and adopted two more, Florence and Gertrude. They seem pretty happy and healthy, and they lay eggs! From reading, I think that unfortunately ex battery chucks don’t tend to have long lives as they have been egg laying machines. Hopefully they had a lovely two years.

Phew, that is life for the last few months! I am feeling more positive at the moment, so I am hoping to come back and start boring you all! I am also thinking of dedicating part of this blog to my issues with weight as this is a huge part of my life and difficulites and can feel complex and isolating.

We will have some actual money based updates soon too!

Hope everyone is well 🙂

March Money Madness

I just wanted to use some alliteration there 🙂 It hasn’t been too mad.

I haven’t been able to logon to Tesco since December, very annoying, I try randomly and with everything going on in the world, am not going to ring up to check, presuming it is all linked to being moved over to Halifax. Hubby and I have been discussing stopping the overpayment with the current climate, including the uncertainty and fear around his job. Though as we are both earning this month, we decided that April should have the £250 OP still and we will play it by ear from there. We are hoping we can carry on as ‘normal’ if nothing changes financially.

I have made a guess that our mortgage should be around: £150,675 if I have paid £600 capital off a month, which I had paid previously when overpaying £250. I am happy with this, wish I knew precisely, but whatever!

We had to take a chicken to the vets and paid £56 for antibiotics and the consultation, sadly, despite treatment beautiful Echo passed away. We syringed her water and the antibiotic but she didnt make it. Blue, who was the first poorly one, got better really quick and is doing great, now Charlie is poorly. The vet wasn’t concerned it was anything contagious to other animals which is a relief and we are treating them all with antibiotics now. Today I will be collecting the dogs prescription then getting them filled, this will be an expensive day! Completely worth it though. £56 for the anti inflamatories and Desmopressin prescription, a further £123 for the prescription to be filled. Need to explore if we can get this cheaper somewhere else, plus they never have 90tablets in so I will have to go back again to collect the rest. What a pain in lockdown, plus I am working 12 hour shifts. Hopefully hubby might be able to go.

Hubby got a chimney sweep in- £70, he (hubby) has capped the chimney pots as birds then tried to nest in the clean chimneys! Got the caps for free, and some stone for the hearth for free. Paid for the fireboard which he has now installed. Unsure of the cost for this! Our current flue is too short, hubby’s dad left his spare outside their house, so when hubby was out with work he could collect it and not break any lockdown laws! This might mean that we can get the fire up and running! We are having issues with the underfloor heating, we think the boiler needs an expansion tank or something, can’t do anything in this situation though, plus the house is still heating just not well.

The shower downstairs has loose tiles which have been letting water in, so hubby has taken them off, this is another job that will need doing. We have been discussing re-doing the upstairs bathroom, getting rid of the downstairs shower and making a small utility area there instead. Luckily, even though the upstairs shower is crappy compared to downstairs, it is water tight and usable. The concrete floor in the lounge is loose in parts, so need to investigate this at some point. Possibly ouchies to the wallet all round!

This month we also paid hubby back what was owed from Florida, and have only had to pay for gas once. I have moved money across which includes £250 holiday, £150 that Aran had been paying on the old credit card that we have paid off, and then paid himself back with and finally £82 that we have saved by cancelling items during uber frugal jan! So we are moving money, the key is to keep it! Or keep saving to pay for all these things we keep finding wrong!haha. After all the bills go out tomorrow I will do a tilly tidy and work out whats left and what we may need to spend for the month.

In April, we may need two lots of gas, its hard to plan in advance as we don’t know what the weather will do! Got away with only one order in March, so we are probably very close to a new order! We will need to buy more raw dog food and treats, about £40 which lasts over a month, Council Tax will be going out again, boo!

Hoping April will bring the peak and decline of covid19, and some semblance of normality will begin to come back. I hope you and yours all safe 🙂

I have been a little absent…

You may or may not have noticed my absence just recently. Even before covid19 shut the entire world down, I have been struggling a little with my mood being up and down affecting my eating massively, which in turn effects my mood!

I am avoidant in my personality, if I feel a certain way, I will shut off and avoid things that may or may not, make me feel worse, or in fact may make me feel better, as feeling shut off feels safe! I have not been struggling with depression or anything more than mild/moderate anxiety around specific situations, and have continued working etc. So it is nothing dramatic, just my brain and I disagreeing and arguing a lot!

Anyway, part of kicking my own brain/butt, is to carry on writing, as it can be really cathartic! So here I am, not in work until Thursday, wondering what I will do today to make me feel like I am making achievements, whilst maintaining social distancing, whilst also feeling very sad about our world, fears about our economy, my husbands future work and quite gutted that we are probably not going to New York at the end of May as we have been planning for 18months, which included a wedding in Central Park. A tiny part of me is hoping Covid19 will f*** off as quick as it seemed to come, but predicitions are that the UK will be hitting the peak in May/June.

I work in a Dementia Nursing Home, all my residents are unwell, both mentally and physically, which puts them in a very high risk group. We are following guidelines and working hard to keep everyone safe. Hubby may have to go and work abroad for a week on and off in another area of his work, as they have closed his local office- if people don’t go, they will have to look at redundancies, which is a frightening concept in this climate. This will put a lot of pressure on both of us, especially with the dogs, though my sister is not in Uni now and both part time jobs have closed, so I could engage her for dog sitting if Aran’s dad is unable to make it in. In good news, her Uni have adapted the end of the degree, so that it can all be done at home and fingers crossed, she will complete her degree and do her PGCE in September!

I have been more spendy these last couple of months, totally linked with my brain and I fighting. I do need new trainers so will be purchasing them and I have had to pay £120 today to carry on Nursing. Though I may be able to claim this back via work, might as well try!

We have decided to carry on overpaying the mortgage at this time, as we both are working and can change this any time if needed. We will wait and see if we need to ask for a mortgage holiday, we don’t yet, so may as well wait and see.

I paid another £200 off the credit card- if New York is cancelled, will probably end up with very little owed on the credit card once we have claimed pay back! It is about £4550 at the moment, still 0% until Dec 2020.

We have almost paid hubby back, so in May, we would be looking at that £150 being moved to the car loan- set interest so paying back doesn’t save money- so that will be paid back quicker- snowballing! Then in theory, we would combine both of these, £150 and £186 with my £200 and smash the credit card. Obviously, this is a little unsure now and credit card debt may change on its own. Hubby may end up losing his job anyways, or we could end up sick and not able to work so every penny will need to be saved, extra payments stopped etc. Also, if we don’t go to New York the £3k saved for that can be utilised in other necessary ways.

Trying to limit time on social media, I find myself getting very agitated by people sharing false news, angry statements, stupid statments, judgy statements. I also think that most people have no understanding of what is happening. We are not social distancing to stop covid19, but to slow its spread, in the UK they are certainly wanting the peak once seasonal flu has buggered off, so that they have more resources to treat it. People seem to think if we isolate a bit, it will disappear. And heck, it might! I am still trying to be a little hopeful that April will see some other awful thing happen and covid19 will ‘poof’ disappear! Every month of this year so far has been unpleasant in some way or another globally.

Have had unexpected pet related costs this year:

Jan 2020- Lady catches Red’s side when playing, he has a skin tear that requires emergency vets and two staples, £96. Healed very well and he is still crazy!

Feb 2020- Red chases a pheasant through brambles…comes out covered in cuts and a thorn in his eye!!! Another emergency vet app, £56. He has healed really well, getting his eye drops in 3/4 times a day was a nightmare! And yes, both dog related issues were on Red, he is a clumsy and crazy boy

So far in March, and there is still time! We have had to take a chicken- Blue- to the vets, as she had become very poorly. We got antibiotics, and she has perked up, but another chicken is now poorly so living in the spare room continuing antibiotics! This was £50. Bloody animals!

I am going to get back into sharing my brain farts, it does help, better out than in! Not been able to logon to mortgage so not been able to see where I am at which is frustrating, still waiting to swap over to Halifax too. Not going to ring as can imagine they are snowed under at the moment, and it will be a year in June so you can expect a big old update then!

New York Prep Part 2

So, hubby is not a keen flier, I have to admit I don’t enjoy flying either, so as we are having to go on a long flight to New York, we decided we may as well adventure whilst we are there! So, after our five days in New York City, exhausted beyond belief and all full of joys from attending what will be a wonderful Wedding, we will be off to explore more of New York State. I have booked our rental car- via Holiday Autos- it was cheaper to go through this third party than directly with Avis. We have booked a Chevy Impala, hubby is a massive fan of American Cars so this felt like a good compromise so he can enjoy a bit of americana! His favourite is the Dodge Challenger/Charger, I can’t remember which one was the number one from those two… but they are very very expensive to rent! We have paid extra for breakdown cover and we already own an american Sat Nav (£40 from Amazon) so cheaper than hiring. The plan is to get the subway back to JFK and collect the car, hubby will then be driving us out of the city, I am way too much of a baby!! I have recently come into the knowledge that Sleepy Hollow is a real town in New York. I know, how did I not already know this? So the first stop is Sleepy Hollow for a quick nosy and photos. In theory, this 35mile trip will take just over an hour.

That first night we are staying in a little smallholding out in Massachusetts via airbnb, it looks delightful and will be the perfect antidote to a busy experience in the city. The plan is to head from Sleepy Hollow to the smallholding, no particular rush and enjoy travelling in a very new area. I would like to cut through Conneticut, just because! The days drive will take around 3hours and cover approx 136miles. We really cannot wait to see some of the local wildlife and other parts of America away from the big cities. I am hoping to arrive by 7pm that evening. We may pick something up to eat in that night so we can just relax. We have paid £108 for this night, I am happy with this, it seems a delighful and quirky home! Plenty of possibilities to see wildlife. They also leave equipment and ingredients to make waffles with the free range duck eggs! Yes please, I am sure we will be missing our chickens by then! It does mention that bears are sometimes roaming around at dusk and dawn, we might see dusk but I am not sure about dawn!

The next day we are heading back into New York State, we will be travelling to Fayetteville to stay in another airbnb. This airbnb is going to be our relaxation place, we can use the pool with the owners and they have a dog, yay! We will be spending three nights here. It is around a three hour drive, 181miles away. So far, I am interested in visiting Howes and/or Secret Caverns if they will be open on the way. We will be passing through Albany, I would also like to pass by the Teepee! This should be a leisurely day, pottering and stopping whenever we want. This airbnb has places to walk and eat, so I think that once we get there, we will unpack and wander around the area exploring. The next couple of days will see us recharging our batteries and exploring all the nature this area has to offer! The fingerlakes are in this area, as is Watkins Glen which we may make an effort to travel too.

We will then be going to Niagara Falls! I really cannot wait for this, I am so excited! I have booked the Seneca Falls Hotel and we do want to go over to the Canadian side as well as go on the boat tours, I think we will plan this in more detail either just before we go, or once we are there. This part of the itenary is fluid, we can either head straight there from Fayetteville in the morning, or do other things in the morning and spend the next day exploring Niagara. This journey will take just under three hours, 173miles, and we will pass through Syracuse. I am thinking it makes sense to just get up and go, meander that way then head to the falls in the afternoon and do as much as possible leaving the next day open.

The next day we are popping over to Pensylvania, we will be staying in Pocono Palace in East Strousberg. This place is super tacky and I cannot wait! I read about the hotel in a book, and knew I had to visit here. This is the most expensive night, we have all inclusive, a room with a 7ft champagne glass bath and a pool in the room. Wow! I absolutely cannot wait for this! It would be good to make the most of this place, mostly due to cost.haha. This will take 5hours 40minutes, and cover 332miles. I would like to stop at Letchworth State Park for a wander on the way.

Then, we will make our way back to JFK, probably very tired and needing another holiday! This is a 3hour journey covering 107miles.

If anyone has any other must sees or try to sees in these areas, please let me know. I will continue planning and reading up until we are already there so always time to add in. I am currently trying to work out if it is better to book a tour at Niagara or DIY the day.

New York (:0) Prep Part 1!

Oh my goodness, I cannot believe that I get to go to New York this year, I am so freaking excited about this! All the thanks go to my brother in law and his future misses, who are getting wed in central park- how delightful! Hubby had agreed to go to Florida (we went in Sept last year) then he found out we would need to go to New York next year and he did regret his previous agreement. Not because he is mean spirited, but he doesnt like flying and worried about the cost of things like this- very understandable! But my wanderlust side just wants to go and adventure, and another trip to the USA is just too tantalising!

Firstly, I spent a lot of time- mostly via Pinterest- reading all about New York, things to do, must sees, unusual things etc etc and pinned them all to my places to go board! I still do this and am always pleased to find out about new places or ideas, or possible itenaries to follow so we can smash the trip! As with Florida, I have discussed with Hubby, what would our must sees be, he struggles with future planning so this is quite difficult for him!

Our list currently looks like this (subject to changes and wiggling):

  • Empire State Building
  • Top Of The Rock- yes I want to do both!
  • Statue of Liberty- thinking Ellis Island, could do staten island ferry
  • Central Park
  • The Highline
  • 9/11 Memorial and Museum
  • Intrepid Museum
  • Times Square
  • Brooklyn Bridge
  • Grand Central Terminal
  • Coney Island, Luna Park and the Wonder Wheel, mostly inspired by Lana Del Ray!
  • Chelsea Market
  • Pop to Hard Rock Cafe for a glass!

Would like to do:

  • Natural History Museum- mostly to see the T-Rex skeleton
  • The Met- mostly to go up to the roof terrace
  • Museum of Sex- because they have a bouncy castle made of boobs :0
  • Hop on Hop off bus tour
  • Find the waterfall between the streets you can walk under

I bought flights with Thomas Cook for £945, including picking our seats and 23kg of luggage. They then went bust- I jumped online at 4 am as I was still on Orlando time and got the same day, different time flights for £950 including seats and luggage weight. Yay! I always make sure to buy items like this on my credit card as you are protected by Section 75, this meant I made my claim via the credit card company and have been reimbursed the original costs, basically covering the new flight costs. I love the Virgin website too…though it makes me want to bid for better seating- hubby helps me to stay reasonable there!

I researched for a super long time about hotels, so many hotels, so many pros and cons. Personal desires:

  • Air con- we are going in June, this is a warm time, I melt in hot weather
  • Soundproofed rooms- I hate noise. If I hear noises at night I can’t sleep and get twitchier, angrier and more irritable, even if the noise then stops. Ask hubby about living with me with our awful noisy neighbours in the last house!
  • Central and close to transport- yes, the whole of New York is transportable, yes, it has great transport links, I get that. But I am not a city girl, cities scare me and I don’t like being out at night, therefore a central location which will be light, full of people and safe is just what I need!
  • Great reviews- obviously tricky as very subjective
  • Pretty and trendy- I love a modern and sleek hotel! I wouldn’t turn down the perfect hotel if it wasnt these things, but they would sway me to pick one!
  • A rooftop bar!!! Because, New York!

I researched for a really long time, I read about so many hotels, I made lists, got pee’d off, stopped searching for a while, bugged hubby with harrassments and questions. My heart knew what hotel I wanted, but logic was struggling due to the cost. In the end, hubby said, just book the one you love, its location is amazing (rated 9.8 by couples on booking.com), there is a subway 0.2miles from the front door, it is a super funky and modern hotel, like amazingly so! Booking.com states it is a top pick in New York, it gets an overall 9.2 out of 10, on trip advisor it scored 4.5 out of 5. Negatives: Rooms are tiny- usual in New York and the bathroom doesn’t have a proper door- we will poop when out/have been together for a very long time. Extra pros- it has its own rooftop bar purely for guests :0 :0 yes!!!!!! So I excitedly/horrifiedly booked a room in the CitizenM Hotel on Times Square- I requested higher up for better views, the rooms all have giant windows, gadgets to control the blackout blinds, soundproofed rooms with movies and fun lighting all controlled by an ipad, amazing reviews, its own rooftop bar that only the guests can use. I got a discount for an early bird booking directly with them and booked for five nights, since then, we found out the lucky bride and groom are heading on their honeymoon the day after the wedding, so we cut it down a night. Cities are great and all, but exhausting!

We had our list of things we want to do, and we looked at many different options for savings, in the end, we decided to get the New York Pass. It cost £329 for both of us- on sale- and lasts three consecutive days. Some of the things we want to do are free, so they will be worked around this pass and must dos. Coney Island is only open on weekends, so we will go there on Sat or Sun, we aren’t big ride goers, so will happily pop along for a nosy, I do want to go on the Wonder Wheel- This is included with the pass, we can go into Luna Park and ride the wheel for no extra cost. The pass includes Empire State, Ellis Island, Top of the Rock, 9/11 Museum, Hop On and Off bus ride for a day, Intrepid Museum, Natural History Museum, the Met, Museum of Sex, Circle Line Sightseeing tour and lots of other tours and things to do in the five boroughs. I have worked out that we will definately get our monies worth. It also means that some our would like toos, but probably won’t due to cost etc, can be done as cost is then irrelevent and the more we do the better the savings!

I have been playing around with possible itenaries, grouping activities in areas/neighbourhoods. I am still reading up and trying to better understand the layout and connections. For example, Chelsea Market is found at the end/start of the highline, it opens early and closes late, the highline is free, therefore these two go together and can be done around the New York Pass with no money consequence.

I have been researching all about the subway in New York, at this time it would be $32 dollars for a metro card and week of unlimited trips, I feel this would be well worth the money and would do us well as it is the fastest way around the city. My friend recently went and used the train/subway to get from JFK to her hotel and found it pretty painless, we are planning to do the same. Its about an hours travel, at the time we arrive, it will be very busy and I believe we may get charged extra on taxis as they do a peak time tax. It would be nice to save money here to use somewhere else. Plus, getting on with it straight away, will help us get over the fear of using the subway! I have even been watching videos about this- anal, I know!

My one struggle in Orlando, was lack of vege food, or at least lack of awareness of it near us. So I have been researching this for New York. I need to go to Champs diner in Brooklyn, I follow them on instagram, and my goodness, I salivate looking at the food! Bareburger is on the list, it does organic and grass fed meat for hubby, and lots of vegan options for me, including hot dogs! Shake Shack does a fit looking mushroom burger and milkshakes! Alcohol related, I want to get a cocktail at the Sugar Factory! I also have a few bagel stores jotted down, my dream was for a rainbow bagel, but the Bagel Store is shut at the moment, I so hope it reopens before we go! I can’t wait to try a traditional lox bagel (I eat fish on occasion, so pescetarian rather than vegetarian if I am honest!).

I think this is all the research on the first part of the trip, I will write up about the second half soon!