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OH's car is definitely a right off but the good news is that it has been valued higher than we thought it would so we will not need to borrow as much. Yes there will be a fee Skint yet again but I think it will be as little as 0.85% with MBNA so not a great deal.
Our transfer with Scottish Power has gone through so now we have to wait and see whether Npower will charge us £40 exit fees for leaving them in the last week before our fixed period expires and also how quickly they will return the £414 that they took from us last week on direct debit, which was their calculation they did based on incorrect readings even though they later told us that we were actually in credit with them!!
Feeling pleased that DD has been asked to work on Saturday. The more she earns the less chance she will want me to pay for things!0 -
0.85% That's not too bad is it . Good luck with Npower hope they sort things quickly for you0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10 -
I'm really sorry to hear about the car problems. I hope things start to look up soon for you.Mortgage: Mar 2018 -£300,000 / Jul 2021 -£255,000 / Oct 2024 -£172,835 (1.27% Interest until Feb 2027)
Joint Savings: Aim £13.5k. Dec 2016 £1,700 / Jul 2021 £36,600 / Oct 2024 £106,450 (£100k in PBs. £5,850 at 4% interest. £600 Regular Saver at 7% Interst)
Car Loan: Oct 2024 -£45,000 (0% APR Interest)0 -
I hope the spate of bad luck will be over for you soon, Maiden.
Re. the car. What are you thinking about getting? I'd be careful buying a new car on finance as they depreciate in value so quickly.2018 totals:
Savings £11,200
Mortgage Overpayments £5,5000 -
Bad luck about the car accident. Hope it gets sorted out, and your new-ish car comes soon
I'd pop over to the old style board, and have a look at the meal planning threads. Sounds like your teenage boys are snacking quite a lot, and I agree with Alex, if they want junk, let them buy it.
There are recipe finders online where you plug in what you have, and they suggest meals.
I'd probably start making quite a few rissottos with the turkey/meats, Rice is gluten free, rissotto is filling, one onion, four handfuls of rice, a stock cube, handful of peas, chopped up turkey and a bit of cheese, one pot wonder tooYou don't have to use arborio rice, you could make it like a paella.
What are your store cupboard basics like?Non me fac calcitrare tuum culi0 -
The car will be a few years old Alex, not brand new. I'm not really sure what it will be but I do know it will be something small & cheap! I want one that my daughter can perhaps learn in or get insured on at some point so I want it to be small and we tend to use my car to go out in as a couple or family, Neither my husband or I have any interest in cars really, we just view them as something to get from A to B in.
Thanks for commenting Taff. I've often wanted to use a website such as you describe but do not know the name of any. I love the Old Style board but it still doesn't seem to help me reduce the food bill unfortunately although I will be trying to use up my supplies in the freezer and cupboards! I have also never made a risotto and it has been on my list of things to make for ages so thank you for the reminder of that!0 -
Looks like we will get £1,100 for Oh's car which is actually more than we thought we would so once that is sorted we will go car hunting as he only gets to keep the courtesy car for 1 week after we have received the money. Just renewed my car tax - £270!
The weekend was fairly cheap considering that OH got paid on Friday - £10.20 on lunch out for my son & I after we had bee to a local college Open Day to explore what he will do after his GCSEs & £7 for one drink each for OH & me in the pub Saturday night. Quite good but I am aware that it will be a 5 week month so some caution is needed!
I've just been adding up my spends for February & they are still rather scary! From 26.01.17 to 25.02.17 I spent £652 on food or £600 exactly for the actual month of February.
We also spent £188 on petrol & £44 on clothes (£27 me, £10 for DD & £7 for OH)0 -
Oh & £187.70 on drinks and meals out!
If I could only get those food spends down!0 -
Hi MM do you meal plan ? How about planning a week of meals from your freezer / stores and just buying basics like milk. One week out of 5 should go some ways towards reduce your shopping bill.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10 -
Yes Skintyetagain I really do struggle with meal planning but I should definitely keep trying, although in my defence we never get a takeaway if I get home from work and don't know what we are having for dinner - I would then just make something like tuna pasta.
Food for Feb was actually slightly less at £589.57 as I had included a Mother's day card and some socks in that previous amount.0
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