November 2019 Mortgage Stats

November Mortgage Stats:

Was: £153,420
Now: £152,973
Monthly Payment: £666.72 + £50
Capital Paid: £447
Interest: £270

I am disappointed to not be dropping into a new thousand bracket every month, but am glad that we are still heading in the right direction! And this money does see us in the 152’s! We have had some unexpected bills pop up, so its really useful to have reduced this overpayment at this time as we have some more flexi money to cover.

We will defeat this mortgage, one overpayment at a time!

A bit of DIY

I am not a DIY person by nature, I am quite sedate in my hobbies, reading, watching films, researching on the internet…Though I love a good session on Pinterest, getting lots of amazing ideas and feeling inspired to do anything!

Pre paper!

Over a year ago, I bought some beautiful wallpaper which was on sale, 3 rolls for £40. I could visualise my dining room alcoves with this paper, with beautiful shelves built into them for all my books!

Pre paper!

Rock on to over a year later, my mum has come round and has papered them for me, I helped by passing things and generally looking confused! It looks amazing, and all it cost me, was lunch and cups of tea! I did offer payment, as to be honest I have no urge to try this myself, but this was declined. It is amazing how much one room can change with some wallpaper, it looks like a new room! All I needed to buy was wallpaper paste for £2.50, we have a wallpaper table and the other bits and bobs already from when other half and his mum wallpapered the lounge wall!

Both alcoves all papered! We will be painting the chimney breast, and replacing the lovely artwork!

In the picture, it looks quite dark, but I took the photo last night, the rest of the room is painted white and we have a very large window, so this looks lighter in the daylight!

Next steps, we have the sizes of the alcoves, cant afford bespoke shelves, so will be researching the best ways to make our own! And deciding on the colour to paint the chimney, I am thinking a dark green- there is some on the paper- or dark blue! We are also looking into the cost of getting the chimney reopened and the small fire we bought when we first moved, installed!

Exciting times!

October Mortgage Roundup


October Mortgage Stats:

Was: £153,817
Now: £153,420
Monthly Payment: £666.72 + £50
Capital Paid: £397
Interest: £319.72

Another month, and it is good to see that even with a reduction in overpayment, the money is still going down!

Mortgage Yearly Roundup!

So, we started off the fixed five year mortgage with £159,975 borrowed against our home, which is valued at £210k. This is over 25years.

At year end our mortgage stood at £154,262.28

We paid a total of £3,599.52 in interest

Which means that we paid £5,712,72 off the capital!

I feel very pleased with this over a year, especially since the interest is so much less than the capital reduction now!

Only downside, which may not actually be a downside, is Tesco are stopping mortgages. They will be sending us over the Halifax any day now, we will still keep our fixed rate etc thankfully. Wondering if Halifax may have a cleverer OP system!

Hurrah over all, great years work!

Mortgage catch up!

I accidently went AWOL for a while!

Our mortgage currently stands at £153,817 , I haven’t kept tabs on it since July, but have had a print out of my year to date. Will post this soon just in case anyone is interested!

After making expensive holiday choices, have altered the overpayments to £50, a reduction of £200 until we are back on finacial track with holibobs! Think I may need to rename this blog!haha

Will do a more thorough update soon!

Northumberland

I love getting away, I love exploring new areas, and I love to go away for my birthday! Yesterday, we arrived back from a three day trip to Northumberland, we stayed in an airbnb property, which was small but perfect for our needs- also a great price of £50 a night! It was in a lovely little village, with a nice pub opposite.

We spent time in Chillingham Castle, it was pretty quirky and interesting. It is apparently one of the most haunted castles in England- and I can believe that! It was taken over by Sir Humphrey Wakefield after it had been left to decay and rot for over 50years, he took the time to fix it up, including the ceilings in some rooms and get it back to its functional self. Sir Wakefield is a hoarder of interesting and random historical items, but as he has so much space to fill, he becomes a collector! We enjoyed the uniqueness of this place, it was much more than a castle and has such a rich history. I believe you can stay in the grounds and they do ghost tours, I didnt fancy that, I am a baby! The grounds are beautiful and we wandered through the woodlands, we saw a fox but no deer sadly. I also got serious garden envy!

Chillingham also has the only wild cattle in the UK, we went to see them as part of a secondary tour. It was certainly interesting and the cattle look interesting, smaller than a lot of other cattle. We heard bulls rutting and having fights up on the hill and saw some calves. The tours are only at set times on certain days. I loved the castle, the cattle tour was interesting but not as much as the castle!

We also went to Alnwick gardens, I love this place! It is the best gardens I have ever been too, and I love going to gardens! I think it was because the space was filled with interesting things, like the corridor of cherry blossom, which of course were still beautiful at this time of year, tulips and daffodils lined the paths and giant swings were dotted all over. The walled garden was incredible- walled gardens are the sexiest things in my humble opinion- the symmetry was just so eye catching. The way the trees were trained to espalier looked awesome and the water features, which again reflected the symmetry just felt so inspiring! There is a massive water feature right at the start which has fountain shows, and a corridor made of trees on either side. The serpent garden has the most amazing water features, and the bamboo maze is just fantastic! The rose garden was sadly not in bloom but still great, and the Poison garden was just fascinating!

The Castle at Alnwick is interesting, but a bit too perfect for me, I do like Castles to be falling down a little, or quirky ala Chillingham, though the views were stunning. We got to see a quidditch training session taking place!

We drove past Bambrough castle which was very picturesque and went along the coast for a drive, then on to Rothbury which is a sweet little town. We also went to Dobbies garden centre where I bought a Bonsai tree! So exciting!

The dogs stayed in kennels, this cost us just over £80, we payed for the Alnwick castle and gardens tickets in advance, this cost just over £50 with the online discount, airbnb cost us £150 for three nights, we have an economical car so that helps with carbon footprint and cost! It was £35.50 for Chillingham Castle and Cattle for both of us, which we paid when got there. In total we spent an extra £395 on the castle, fuel, eating out lots, and shopping! I am quite happy with this! I love a get away and we dont like to skimp, the room we had only had a small fridge and no cooking facilities, so great excuse to eat out and about!

May Mortgage Stats

At the beginning of April after payments, the mortgage was: £156,834
As of the 1st of May, the mortgage is now: £156,193
Our monthly payment as of 1st May: £666.72 + £250.28
We paid this much off the capital: £641
Which means that our interest for the month was: £276
Therefore, £276 divided by the 30 days of April, indicated we paid: £9.20 a day in interest!

This is very exciting, I really hope that these overpayments can continue!