Taking the plunge as a MFW...

SmlSave

Just popped in to see how everything was.

Have you managed to get the accounts working yet?

moominyak

Hi SmlSave,

Not yet The A&L have sent me a cheque book and a PIN no. - I didn't want either a cheque book or a card, I just want the online banking details! :rolleyes:

Hopefully the details should arrive this week.

But I did do another couple of FPs just for the fun of it

SmlSave

A&L took ages to get me on the internet, bout a month i think....still waitig on my £100 :cool:

Just figured out what a FP is....can you tell I'm a skip reader?:rotfl:

moominyak

After receiving my online banking PIN but still no customer ID, I clicked the old "I have forgotten my ID" button, entered my a/c and dob, only to be greeted with a "We cannot retrieve your ID, please ring 0844...".

So I duly ring the number, to be told "If you are ringing for online banking support, press 1", so I do. Then I get "Enter your 8 digit ID..." :mad:

After trying option 2 - which basically says "This is the number for online banking, if you're after online banking press 1, and if you're not, then naff off", I tried option 1 again, pressing random buttons until the automated A&L woman finally threatened to put me through to their security department.

Hallelujah, a real human being at last, and what a nice helpful chap he was

So now I am fully armed with my customer ID and my PIN, and I've been playing I mean transferring money in a constructive fashion all day.

Now that I've babbled on, the upshot is I've sent another £75.37 to the mortgage today, which I'm hoping has gone through as a FP.

So total OPs for October = £175.37 (don't know why I sent the odd 37p, it was just there!).

SwitchyChick

moominyak wrote: »

total OPs for October = £175.37 (don't know why I sent the odd 37p, it was just there!).

:rotfl: :rotfl: :rotfl:
Sounds like the kind of thing I would do!
We made our first OP online yesterday, saw the mortgage figure come down straightaway & OH said "Do it again. Do it again. We'll have it all paid off by Christmas." Bless...

gallygirl

moominyak wrote: »

So total OPs for October = £175.37 (don't know why I sent the odd 37p, it was just there!).

Actually, it's a good idea to pay odd amounts. If something goes pear shaped and the money doesn't make it to your account it will end up in the suspense account. Far easier to find odd sums than straight £100. Do you have any idea how many £100's there are in a suspense account at any one time :eek: . Was great fun tracing rightful owners .

Hmmm, got me thinking though, I usually DO pay rounded sums in .

moominyak

Hello everybody out there in MFW-land :hello:

Can't believe it's been so long since my last confession...erm...update!

Have managed to scrape together a few small OPs during November totalling £104.58 in all, am still nowhere near my 2008 target... but...

hopefully tomorrow when my regular payment hits... I SHOULD be under £120k :j which is good enough for me!

Don't think I'll be making any OPs in December... but will start to attack the beast again in January. Have set myself a fairly conservative £1k target for next year as I think I'll be needing a new(er) car, and possibly a new boiler too. But hopefully £1k will be easily achievable - in an ideal world I'd like to be <£115k by 31 Dec 09! :rolleyes:

Hope all going well for everybody and bye for now

StuartGMC

In Management speak targets should be SMARTA

which has a few variations but typically:

Specific, Measurable, Achievable, Relevant, Time-based, Agreed

I think you have reviewed the situation and wisely planned for foreseeable additional costs next year, so go with a target which is realistic; if you exceed it so much the better!

setmefree2

Well Done - keep it up:D

moominyak

Well, they're quick enough to show DDs going out on the 1st Dec (ie. it was showing yesterday as having left my a/c today, cheeky beggars) but my mortgage balance won't show the updated balance until tomorrow by the looks of things, pah! :rolleyes: