1 mortgage, 2 babies, 3 years to be MF, 4 goodness sake!- weezl's diary

shaz_mum_of__2 · 20 January 2010 at 11:08AM

:kisses:Poor ISOM no "what not" and a stinking cold :rotfl::rotfl::rotfl:

Had a stressful but MS day yesterday gave a philosophy presentation to 40 people won't get the marks for a couple of weeks but the teacher told me i had nothing to worry about;)

Just had a nice gift from MIL 3k !!! she has been wanting to give us and my oh's brother some cash since she sold her house in london last year but we have been a bit unsure of the tax implications apparently she can give away 3k a year and can use last tax yrs allowance so 3k each now and anothe 1.5 in april:T:T

Need to do a bit more digging about our OP's as one of our bits of mortgage that we can OP has a very low rate (0.45% under base rate i think) so need to investigate whether would be better off OP the bit with some penalties and taking the hit as far as penalties go(5'85% rate on that bit:eek:) or saving the windfall in an isa toward next yrs allowed OP

Not sure any of that makes sense ?

weezl74 · 20 January 2010 at 11:26AM

shaz_mum_of__2 wrote: »

Need to do a bit more digging about our OP's as one of our bits of mortgage that we can OP has a very low rate (0.45% under base rate i think) so need to investigate whether would be better off OP the bit with some penalties and taking the hit as far as penalties go(5'85% rate on that bit:eek:) or saving the windfall in an isa toward next yrs allowed OP

Not sure any of that makes sense ?

yay for MIL and yay for good presentation

What's the penalty on OP the 5.85% part shaz? I could have a go at a little spreadsheet for you if that would help

:D

Mark and BOB you cheeky pair

thanks for popping in xxx

been meaning to say for ages, carpedieme, thanks loads for the encouraging PM and the tip about primark knickers. I shall look into them. (oh my word I've left myself wide open for innuendo with that one!)

Purplejay will have a look at my recipes and post some ideas for your approved foods order, back shortly with that!

Cazz- 'hijack' my elbow, you're very welcome whenever with whatever!

shaz_mum_of__2 · 20 January 2010 at 12:10PM

Not sure weezl but the penalties ends inJanuary 2012 so going by your incremental analysis the other day i am guessing 2% but want to check this out first ...... by my non geeky maths a 2% penalty is better than carrying on paying 5.85% interest on the debt? or am i mistaken???

am I right in saying its silly to pay off the bit with such a small %

Have asked oh to ring both the armed forces and NHS pension sevice for quotes for pensions so we will have a better idea how much we will have to live on

beginning to wonder if i will ever use my degree (or have to pay back my student loan;)) found a nice house on the net which needs some work but has 6 beds and best of all 2 pantrys so must be meant for me:rotfl::rotfl::rotfl:

weezl74 · 20 January 2010 at 12:24PM

PurpleJay wrote: »

CASE PRICE De Identifed Supermarket Chicken Style Meat Free Bake 8 x 95g £0.99 1 £0.99
CASE PRICE De Identified Nut Roast Mix 8 x 150g £0.99 1 £0.99 I started a thread on old-style looking for ideas with this and lots of really helpful suggestions were posted, it's here
CASE PRICE De Identified Mediterranean Style Couscous 15 x 110g Sachets £0.99 1 £0.99
stir through flavoured olives, nuts seeds, raisins or soaked dates?
if feeling flush, serve with lamb tagine
CASE PRICE De Identified Supermarket Light Choices Quick Couscous Moroccan Style 6 x 60g tub £0.99 1 £0.99 as above
CASE PRICE Soup Shot Croutons Garlic and Herb 8 x 20g Packs £0.01 1 £0.01
CASE PRICE De Identified Roasted Vegetable Cous Cous Break 6 x 60g £0.49 1 £0.49 I wondered what that would be like with some of the garlicky croutons stirred in, might give a nice crunchyness....
CASE PRICE De Identified Healthy Living Soup in a Mug Asparagus 9 x 76g £0.49 1 £0.49 Stir through cooked short grained rice and a knob of butter to make cheats asparagus risotto?
Schwartz Paprika 34g £0.29 1 £0.29
NEW PRICE Phileas Fogg Mexican Sweet Chilli Flavour Crisps 140g £0.33 3 £0.99
Percy Daltons Dry Roasted Peanuts 50g £0.10 10 £1.00
Diet Coke With Citrus Zest 6 Pack £1.49 3 £4.47
CASE PRICE Zen Republic Naturally Stimulated Energy Drink 250ml £0.99 1 £0.99
Powerade Orange Isotonic Sports Drink 4 x 500ml £0.99 1 £0.99
Horlicks - Malt Chocolate - Extra Light - 220g £0.99 1 £0.99 Add to Low fat yoghurt and freeze for a very healthy treat?
Ovaltine Light Original 25g Sachet £0.17 6 £1.02
Tayloys of Harrogate Moroccan Mint Leaf Tea 125g £1.25 1 £1.25
Brooke Bond Bon Premium Granulated Coffee 100g £0.99 4 £3.96
Red Sky Sea Salt and Cracked Peppercorns Potato Crisps 150g £0.33 3 £0.99
De Identified Leading Brand Naturally Light Flakes with Fig and Graoes Cereal 415g £0.50 2 £1.00
Delouis Fils French Dressing with Wholegrain Mustard Vinaigrette 500ml £0.33 3 £0.99 A tad of this through the cous cous would add a nice zing?
Sub Total
£23.83
Shipping £5.25
TOTAL £29.08

And bonus - you can pay with Paypal so it isn't like spending 'real' money - just that made from my ebay sales

Those who have bought it, how are you getting on with the nut roast and chicken mix?

Hi, I've added my comments/ideas in purple,

HTH!

xxx

LilacPixie · 20 January 2010 at 10:50PM

Shaz - do you have a manual sausage machine or and electric one?? Thinking the cost of one vrs shop bought sausages vrs health benefits of home made. I have a 3 year old who will only eat apples bananas oranges carrots peas orange peppers pork sausages haricot beans and tinned tomatos. pasta but only shapes from MrM who do dried postman pat ones.

Tesco_points_addict · 20 January 2010 at 10:53PM

I'm confused whats whatnot:A

TPAx

Floxxie · 20 January 2010 at 11:19PM

LilacPixie wrote: »

Shaz - do you have a manual sausage machine or and electric one?? Thinking the cost of one vrs shop bought sausages vrs health benefits of home made. I have a 3 year old who will only eat apples bananas oranges carrots peas orange peppers pork sausages haricot beans and tinned tomatos. pasta but only shapes from MrM who do dried postman pat ones.

LilacPixie, if you buy shop bought ones check the meat content - M&S and Co-op have some high content ones or alternatively your local butcher is a good place. My butcher was going to do a course on how to make your own sausages but I guess he realised how much business he would miss out on

I keep on contemplating making my own but then realise that I don't have the time :rotfl:

shaz_mum_of__2 · 21 January 2010 at 9:47AM

Pixie - i have a manual mincer(but you can use shop bought mince ) and a sausage stuffer again manual from westfalia
http://www2.westfalia.net/shops/farming/food_processing/meat_processing/sausage_filling_machines/303592-professional_sausage_filler.htm

you can an electric machine from arg0s that does it all in one. Big outlay really and one we feel was worth it as eventually we will be keeping pigs but at that point i will be getting an electric mincer!

weezl74 · 21 January 2010 at 7:21PM

evening all! Just off to make some paneer cheese, a la sarah saver's recipe ready for a big batch of Saag paneer

Will report back, it's been about a year and a half since I managed it last!...

Queen-Bee_2 · 21 January 2010 at 7:26PM

To whoever was wanting to know more about sausage machines/mincers - I have one of these from Lakeland:
http://www.lakeland.co.uk/meat-mincer/F/keyword/sausage/product/10118

I thought it'd be a healthier option than buying shop sausages. However, ahem... that was nearly 18 months ago, and it's yet to come out of its wrapping!

QB

1 mortgage, 2 babies, 3 years to be MF, 4 goodness sake!- weezl's diary

Comments

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free