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!

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!

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 🙂

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!

Groupon, Wowcher etc

I have gotten some great deals using Groupon and Wowcher- I am sure there are other similar sites as well but these are the two I have used! If I want to go for afternoon tea, a Spa day or a day out locally, I will always check on these sites for any deals. This has definately lead to some great savings on something I would have done anyway. Most recently I got a great deal on a local festival I planned on going to, I got the VIP tickets for the same price as the normal entry fee, this got me lots of free items including rum and cake- perfect!

Though, not all deals are as good as they look- for items, furniture etc, they can be found for the same price or cheaper online on sites such as Amazon, so it is always worth shopping around before you buy.

I have used groupon for Las Vegas- I signed up with the hotel address of where we were staying. I got buy one get one free on yard length margaritas and unlimited alcoholic drinks on the Linq Hotel’s big wheel, the High Roller for a bargain cost for three people! So it often seems that local bargains, even abroad can be found.

I tried when we went to Paris, but it was in French- unsuprisingly really- so I wasn’t able to understand it at all!

We are off to New York next year, and one of the places we want to stay is often on Groupon so I will be doing the same again closer to the time!

These type of sites are also a great way to discover what awesome and interesting things are in an area, I learnt new things about where I live by looking through the deals, some great finds to be had- but be sensible, you dont save by buying something you dont want, or if you dont check that you are getting the best price!