Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Kittenkirst
    • By Kittenkirst 5th Feb 16, 10:35 AM
    • 1,609Posts
    • 8,379Thanks
    Kittenkirst
    Getting a mortgage and then becoming mortgage-free!
    • #1
    • 5th Feb 16, 10:35 AM
    Getting a mortgage and then becoming mortgage-free! 5th Feb 16 at 10:35 AM
    Hi all!
    So from my title you may have guessed I don't yet have a mortgage, however I am hoping that will all change within the next few weeks.
    I will then start on overpaying the mortgage and really penny pinching to try and reduce it down as much as possible!

    I'm hoping this is alright to start my diary in here? :-)

    The story so far, my lovely girlfriend and I have been discussing getting a place together for some time. We started looking at houses (al very small and far from her parents- which is a no-no, we want to be close to them to visit regularly). Last weekend we went to see a new build development and fell in love with a house- less than 2 miles from her parents, perfect size for the two of us and within our budget (from getting mortgage in principle information and confirming monthly payments were well within our budgets).

    Sooooo we took her parents round for their seal of approval, spoke with an agent we know through the family about pertinent questions to ask, did lots of number crunching and then placed a reservation.....

    ....so we've now got paperwork from solicitors re the conveyancing etc and paperwork from the mortgage advisors to sort out this weekend.
    We have re-jogged our budget to ensure we had the deposit in savings by end of Feb (we thought we'd have a few months before we found anywhere) so are ready to almost hand over £18500 :O

    I have agreed to move into her parents house and pay rent in mid March to prevent paying rent, bills and food (will save an extra £500 a month) so we should be in a good position for when the house is ready September/October time!

    Does anyone have any hints or tips so far?

    Our brokers/solicitors are ones recommended by family who've used them and really recommend them and we've sense checked the rates the solicitors charge to ensure its competitive.
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
Page 34
    • Kittenkirst
    • By Kittenkirst 8th May 17, 11:40 AM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    Morning all!
    Just on a quick coffee break so thought I'd update! Had a lovely weekend this weekend seeing friends and family but trying not to spend any money.

    Talking with my team at work about saving and mortgage overpayments (found out one pays £100 a month extra too- kindred spirit!) we were discussing SIP plans that our company has- share incentive plans where you buy two shares and the compan gifts you a share. The shares would incur tax if removed within three years but it sounds a good way to build a small longer term investment so I opened one up to start squirrelling £50 a month away. Due to way the tax works it will be £36 deducted from my salary so a saving there too!
    I may be over stretching myself somewhat but think it's doable to save the following:

    3rd of the month: £250 into TSB regular saver (2.5% interest)
    15th of the month: £300 into First Direct ref saver (5% interest)
    £110 into sharesave for 3 years
    £50 into SIP scheme (thinking 5 year)

    Totalling £710 away every month but only £665 out of pocket as £160 having tax relief so only £115 taken out of salary....this alongside the stretching OP target means the next twelve months will be lean to say the least but should put us in a good position in a years time (an increase of 8k savings is very appealing!)

    £27 grocery spend on Saturday as bestie split with his gf on Saturday morning and needed company, so we bought some beers and stuff for a homemade curry for dinner and dessert and another friend came over so we had a lovely evening trying to distract him and cheer him up somewhat. however there's still 5 bottles of beer in the fridge for another time and the other friend bought dessert round so have kept the GU tartlets for Wednesday when another friend is coming round to meet the kittens and see the house

    No planned spends this week really, just waiting for payday on the 15th so I doubt we will have any Tilly tidies other than the 33p this morning.

    Need to list the two thermostats and the carbon monoxide alarms on eBay this weekend and see if we can get £15 for the three of them (all helps!)

    Right, back to the laptop to prep for meetings this afternoon
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 9th May 17, 3:31 PM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    Afternoon, just made myself a brew and decided to check surveys and read a few diaries on my coffee break.

    Not a huge amount going on, NSD yesterday and should be on track for one today if I can manage to get to silver class and back without spending.
    Made spaghetti with veg and mozzarella for dinner last night and same again for lunch today. Gf was away overnight so I had a night in just me and the boys which was lovely as they were so snuggly!

    Gf will be home late tonight so will have omelette for dinner and I'll probably have soup (from freezer) for dinner when I get in late.

    Did a few surveys last night and up to £24.75 on Yougov, £27.05 on one poll and a small amount on prolific. Downloaded some cashback apps a few weeks ago so checking those for anything we would usually buy in the weekly shop too.

    Will make a thermal cup of coffee tonight for on the way to class to prevent a drive through Starbucks being purchased! Other than that all a bit quiet for me.

    Home developers have called about the drain/downstairs loo and they are sending someone out at the end of the month to dig up the pipe work and check it all out which means pulling up a few patio slabs and some turf they've assured me it will all go back in place once finished. They've not got back to me about the 'damp' looking patch on the lounge wall...will send a chaser email now!
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • ch4rly2002
    • By ch4rly2002 10th May 17, 9:00 AM
    • 241 Posts
    • 1,020 Thanks
    ch4rly2002
    I'm sorry KK, house problems are very upsetting. I hope it doesn't cause too much disruption and mess for you when they do the pipe work, but I'm so glad they're going to fix the problem for you and put it right afterwards.

    Sounds like the surveys are progressing nicely and well done on thinking in advance to take a coffee so you won't be tempted by Starbucks. Have a great time at silver class
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £11,200
    Mortgage: Dec 2014 -£216,000 / Current -£195,420
    BTL Mortgage: Dec 2014 -£136,000/ Current -£124,790
    CC 0%: Nov 2016 -£4,500 / Current -£3,506.43
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£31,565.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • Kittenkirst
    • By Kittenkirst 11th May 17, 7:56 AM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    Morning lovelies, another NSD on Tuesday however a £2.50 grocery spend yesterday as had friend over for dinner & dessert.

    On the countdown to payday on Monday so watching the spends more than normal. Kittens off to the vet shortly so need to nip to the parents to get the cat carrier and then take them for their booster vaccinations...they are going to hate me later :P

    At parents for dinner tonight so only lunch to sort later but am working from home so can make something quick and easy.

    I keep torturing myself by looking at holidays at the moment- we have a week and a bit off at end of May and looks like it lands in school half term so keep seeing 'great' deals advertised....gf and I have discussed and we'll look at a holiday for right at the end of the year to allow us to save.

    It's the ladies 40th next month and I'm now stuck for special gift to give her....originally it was going to be the Ecuador trip as a once in a lifetime holiday for her 40th....must get my thinking cap on...
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • ch4rly2002
    • By ch4rly2002 11th May 17, 9:17 AM
    • 241 Posts
    • 1,020 Thanks
    ch4rly2002
    Wow, 40! That definitely deserves to be celebrated I don't know if you have one already but we've found our Virgin Atlantic credit cards to be very valuable in discounts for flights, and they also do package deals. If you haven't got one, you could maybe consider getting one and spending on it all year then getting a holiday at the end of the year. The current offer seems to be 10,000 points (you'd need a Virgin Atlantic miles loyalty account and have to spend £1000 within 90 days). Depending on how much you'd spend on it, it may or may not be suitable but just a thought

    Hope all goes well with the boosters for the kitties
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £11,200
    Mortgage: Dec 2014 -£216,000 / Current -£195,420
    BTL Mortgage: Dec 2014 -£136,000/ Current -£124,790
    CC 0%: Nov 2016 -£4,500 / Current -£3,506.43
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£31,565.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • Kittenkirst
    • By Kittenkirst 11th May 17, 7:50 PM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    Ooooh that's a good deal Charley- I will take a look at it most definitely even if just for petrol and grocery shops it'll add up

    Just been for some groceries and took advantage of some of the cashback apps; gf and I both have Shopmium as well as her mum so we bought the following to claim back (separate purchases using different cards and we'll all just take the one each so no dodgy stuffs!):
    - 3 boxes of Yorkshire tea (will post mine to my bro as one is meant to be like earl grey that he loves)
    - 3 pouches of a protein and oats breakfast thingy (will try after the gym)
    - 3 bottles of 7 up free

    Not too shabby and also bought ys English muffins for freezers (I love homemade egg muffins) and some ys lamb mince for another day so I think not too bad a haul really

    Have my poorly pie friend coming over tomorrow night so making turkey shepherds pie with sweet potato topping and will get the blankets out and use the sky movies/Netflix subscriptions to the max and chill out. Quite looking forward to it really!
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 13th May 17, 10:56 AM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    Happy Saturday folks!
    Completed a Pinecone survey on Thursday and just had another through yay! That should be £6 additional OP once it clears, and my cashback for the shopping has cleared.

    I used the new Ocado delivery service for pets, Fetch, on Thursday night as we needed kitten food and litter....am most impressed with the next day delivery, chose a slot at 7pm and it was bang on time, the delivery gent was uber polite & helpful. As it's a new service they had a 15% off code on the site as well as very competitive prices. Win win!

    We do now however have 10kg of kitten food and 10kg of litter to store somewhere (oh and toothpaste for them!)

    Chilled evening with friends went well: got some blueberries on ys -99p for 400g- at sainsburys on my lunch so we had mango, blueberries, meringue and yogurt for dessert which was delicious (frugal & gluten free)

    Now just doing some housework and Jacob a relaxin day with the kittens
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 14th May 17, 10:31 PM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    Evening all, a rather lovely weekend was had this weekend. Friday night was dinner and movies with friends, yesterday some housey chores and cleaning followed by the gym then dinner with a movie at home.

    Today was a little last minute as thought gf's cousins were visiting at 1pm for Sunday lunch but they kept changing minds (they eventually came
    Over at 7.30pm) so we went to a lovely little independent coffee shop we keep hearing about and had a coffee and shared a cake. We wandered round that part of town a little in the sunshine then came home and prepped supper so when the guests left we could whack it in the oven.

    Made a Jamie Oliver 30minute meal- stuffed Cypriot chicken with cabbage & chilli salad and toasted wraps...was delicious if a little late in the evening. Now curled up watching boardwalk empire- seems good so far.

    Small spends on the coffee trip, a rake and lawn seed from Homebase and that's it! Payday tomorrow and all the money shuffling starts....I can't wait!

    All snuggled on the sofa with the gorgeous kittens at the moment- life is pretty lovely!
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Kittenkirst
    • By Kittenkirst 15th May 17, 8:08 PM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    Payday glorious payday! I was paid an additional £300 and lookin at payslips it's because I had an annual bonus last month so a ridiculous amount deducted for tax-this month hardly anything deducted.

    This also means the pension pot is £203 richer (I put £103 a month, work doubles my contribution) and my first instalment of the sharesave scheme of £140.

    That makes May savings so far

    £250 2/5
    £140 15/5

    Awaiting the regular saver deducting on the 18th to be another £300 snaffled into savings.

    GF away with work tonight so I've Just scoffed a lovely broccoli and stilton soup- Stilton leftover from a work buffet and snuggled home I also made mini pizza bread wheels to go with and to take to work tomorrow.

    Traveling with work for the next few days down to London and up to Carlisle which I'm dreading a little but it's a good way to meet lots of the people I work with in the new role.

    £6 credit in Pinecone so have requested a Paypal withdrawal and will OP that next week when it clears.

    That's it for updates from me, back to twin peaks, some diary reading and kitty snuggles
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • chumpy45
    • By chumpy45 16th May 17, 5:34 PM
    • 315 Posts
    • 1,366 Thanks
    chumpy45
    Great figures going on there KK. Always love reading about your meals. My DH has been watching Jamie Oliver on TV recently and made a 15 minute cauliflower curry which sounded lovely but sadly wasn't too successful Hope the toilet scenario is all sorted now. Enjoy your kitty snuggles
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • Kittenkirst
    • By Kittenkirst 16th May 17, 10:35 PM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    Ooooh Chumpy I too have tried that cauliflower recipe and was not impressed at all! Similarly I tried making that cauliflower 'rice' and was all excited; quite an anticlimax really as I loathed it!!

    Today's been a busy day- was in London first thing, then back home for quick dinner (yesterday's soup) and then to silversmithing class- managed to hammer my forefinger and burn my thumb tonight! :-P

    The drain is being looked at by the house builders at the end of the month- luckily we have some time off (using up annual leave before we lose it!) so will be around when they investigate. I've not heard back from them regarding the 'patch'; I think I've found another upstairs too :/ hoping it's nothing untoward, we've left all vents open, all windows on the latch etc to ensure ventilation...will see what they say.

    Mortgage payment should clear on 20th so I usually OP the £89.81 (rounds it up to £900 you see!) on the 20th but chucked it across yesterday as thought five days will all help the pennies.

    Quidco funds cleared today so the £6 went across followed by a tilly tidy of 24p... will be a much lower OP month compared to last month but should still be on track... £112.77 for May making it £1083.71 50% of the 2017 target of £2150.

    I've been playing with figures to calculate what my emergency fund should be for 3 months expenditure and 6; I should hit the 3 months in savings by 3rd Kune, and have six months stashed away by mid November...this is putting my mind at ease and feeling like I have a target for the savings

    Still no win on postcode lottery (the free one)- got to be in it to win it though so will keep checking it! Off to read some diaries....
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • themadvix
    • By themadvix 17th May 17, 5:17 PM
    • 1,125 Posts
    • 6,451 Thanks
    themadvix
    Toothpaste for cats - you're braver than me!

    It's all sounding very positive KK, impressive savings figures!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Kittenkirst
    • By Kittenkirst 17th May 17, 10:54 PM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    I have a confession to make...I've been spending money like water today.

    It started with arriving 1.5hours early for my meeting in the midlands so had a McDonald's breakfast to kill time. After the meeting I headed home for the evening and then got a cab to the train station (can claim back from work!) and headed up to the Cumbria..I bought a book at the station, a coffee followed by some shortbread. When I finally arrived here the hotel advised the restaurant was closed and room service not until 11pm..so I splashed out on a haggis supper for £3.50.

    All silly rather frivolous spends through lack of preparing, I've got meetings here tomorrow and then the long train home so will have to get dinner on route home as won't arrive until 10pm.

    will try and find a supermarket for drinks/snacks for train journey tomorrow instead of exorbitant prices at train stations!
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Busy Mee1
    • By Busy Mee1 18th May 17, 4:38 PM
    • 427 Posts
    • 1,664 Thanks
    Busy Mee1
    Work travel can end up costing me a fortune too. I try and take as much food and snacks as I can, but hot drinks scupper me. A cup of tea on the train is £2.30, which annoys me ( but doesn't annoy me enough to cart a flask with me, along with everything else I have to carry ! ) Expenses only covers food, and drinks taken with food. They don't cover drinks on their own, so sometimes I buy a cheeky Kitkat just so I can claim it back : )
    • Kittenkirst
    • By Kittenkirst 19th May 17, 9:04 AM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    It's so tricky isn't it Busymee- I refilled my water bottle and took crisps with me but due to the time of traveling I needed proper food- I'm hoping I can claim that back at least.

    Got back at 10pm last night and therefore I'm still laid in bed resting; I booked a day off as gf has a hospital appointment (routine one) and I had thought I'd be a little on the tired side.

    Regular saver came out so another £300 into the savings pot, which is giving me some comfort now as I always feel underprepared without a small safety net of savings.

    Customer is coming to pick up her braceket order tonight as she initially ordered the wrong size- I've only charged a nominal amount for my time for the rework (it's been made smaller so no additional silver, just polishing, soldering and time really to cover.

    Kittens are growing so much!! Oscar is getting quite heavy but Hugo is still the baby! I've popped more piccies on Insta:

    https://instagram.com/p/BUPyjK2l5mH/
    https://instagram.com/p/BUPxjakl02U/
    https://instagram.com/p/BUPyX6-lyVw/

    They are still right little tinkers

    39p tilly tidied to the mortgage too so not too bad a week. Hoping to get spends back to normal now that I'm home. We also have 1.5 weeks off from Thursday so hoping for some time to recharge.
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • themadvix
    • By themadvix 19th May 17, 9:20 AM
    • 1,125 Posts
    • 6,451 Thanks
    themadvix
    Gorgeous pics of the kitties KK

    You can't beat the peace of mind that some savings brings, totally agree there.
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • ch4rly2002
    • By ch4rly2002 19th May 17, 10:39 AM
    • 241 Posts
    • 1,020 Thanks
    ch4rly2002
    Lovely photos of the boys I especially love the one of you holding him like a baby... won't be long until it takes two arms to hold him like that! They look so content and happy sleeping next to each other x

    Well done on the savings by the way... I see you're making great progress and have upped the target
    Savings: Aim £13.5k. Dec 2016 £1,700 / Current £11,200
    Mortgage: Dec 2014 -£216,000 / Current -£195,420
    BTL Mortgage: Dec 2014 -£136,000/ Current -£124,790
    CC 0%: Nov 2016 -£4,500 / Current -£3,506.43
    Loan to In-Laws: Sep 2010 -£48,185.82 / Current -£31,565.49
    Student Loan: March 2011 -£18,275.04 / 29th April 2017 -£14,003.85
    • Kittenkirst
    • By Kittenkirst 21st May 17, 8:47 AM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    First weekend away since having the kittens- we have gf's mum popping in 2x a day for food/water and cuddles whilst we are away but we are both missing them a lot!

    Came to London for the London 7's- went as Where's Wallies which seemed to go down well and met the gf's brother & family there. Not too much spent: alll budgeted for in the 'entertainment' budget we're debating what to do today, possibly just spend time with gf's nephews and family around the house. It's a glorious day today which makes up for all that rain yesterday!!
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • newgirly
    • By newgirly 21st May 17, 9:33 AM
    • 5,867 Posts
    • 40,052 Thanks
    newgirly
    Have a great day, love the photos they are sooooo cute
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • Kittenkirst
    • By Kittenkirst 22nd May 17, 12:33 PM
    • 1,609 Posts
    • 8,379 Thanks
    Kittenkirst
    So yesterday we headed into Guildford and wandered around for a few hours then had a cheap brunch out. We then went back to gf's family and played games with the kids and raced around the gardens- such fun!

    Today I'm working from central London this morning and have the afternoon off (as time off in lieu for all that travel in my time last week) and being treated to a lunch out with friends and then will mosey on home!

    Looking forward to seeing the kittens this evening- missed them so much but know heyve been in good hands with the gf's parents!
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

694Posts Today

5,999Users online

Martin's Twitter