SmlSave MFW diary - where to start?

SmlSave

Pay day :j:j:j and my account doesn't look as bad as I thought it would

I know I should put the extra £13 into the OP fund but I'm going to put it towards the bone cracker appointment.

It looks doubtful that they'll be m/any funds going to the OP fund this month and December's always tricky cause of the :EasterBunand of course the :beer:

Tesco_points_addict

Morning Sml, glad your account looks healthier than you antisipated, always a great feeling isn't it?:T

Bone cracker sounds painful!

TPAx

evab_2

Hope your back gets sorted, £40 is expensive mine was only £25 per session. I haven't been for a while, should make an appointment to make sure all is well still and still have 3 sessions already paid for!

SmlSave

Morning Sml, glad your account looks healthier than you antisipated, always a great feeling isn't it?:T

Bone cracker sounds painful!

TPAx

Hope your back gets sorted, £40 is expensive mine was only £25 per session. I haven't been for a while, should make an appointment to make sure all is well still and still have 3 sessions already paid for!

Ahh, I love you guys :lovethoug I was feeling all unloved and you popped in :grinheart not forgetting SMF2 too of course

I've no idea how much osteopath's are evab I see the same one that my Mum does. Perhaps I should go a-hunting for a cheaper price.

"Bone cracker sounds painful!" :rotfl:it does, doesn't it? :rotfl:I walk out feeling like I've been beaten up sometimes but with no bruises to show for it but I forgive her the next day

I'm off to research mortgages and will post back later

SmlSave

So I’ve been playing with the mortgage calculators today.

Our fixed rate of 5.44% ends in March and turns into 4.24%SVR which is pretty poor considering.

We’ll owe circa £102600 which is after our OP of £4000.

The best mortgage atm that we could get is a fixed rate for 1year at 6.89% :eek:

If we can get the mortgage down to £100000 we can get a discount deal for 5years at 3.94. This would save us £1822.9 over 5years, but this is hardly a realistic figure to work with seeing that the fixed is only for 1year. :rolleyes:

So atm I'm thinking that we'll stick with the SVR and op as much as possible while keeping an eye on the mortgage deals.

I like the idea of getting a 80% fixed rate mortgage and a 20% variable rate mortgage on the property so that we could op lots and yet still the fixed safety net. I'd definitely want to talk about this to an IFA next year is DH is on board and its not too difficult.

Whata you think?

setmefree2

I've no thoughts about the mortgage, I just popped in to wish you a

SmlSave

Thanks SMF2 I had a good weekend with the bathroom being re-sealed, bedroom furniture shopping (just window shopping!), dancing lessons and I lost 1.5lbs which no doubt got put on as I ate a huge pizza!

We've overspent by approx £90 this month which is mainly due to DIY stuff and private dancing lessons. :cool: Oh well.

Normally I'd just say that we have to be extra careful next month and while that's true December is a hard time to cut down on spending! Damage control seems more apt :rolleyes2

I've got the Xmas boxes down from the loft and am going to sort them out tonight. :xmastree: We have enough in savings to pay for the Xmas pressies (about £400) and I'm looking forward to wrapping the presents! :j

I'm umming and ahhing about going swiming tonight :think: what to do, what to do...

pawlala

yes go swimming!

shell1000

you are sooo motivated, you show me up seriously!

:T

SmlSave

you are sooo motivated, you show me up seriously!

Awhhh, shucks.....I've just caught up with your thread - you can't say you're not motivated:eek:

I didn't go swimming - thanks for trying pawlala - but I'm hoping to tonight. I'll definitely go if my Mum goes or we're not going to see a film tonight.

I'm on a DIY mission at the mo DH has said that he doesn't want to go on a summer holiday as he'd rather get the house decorated. Which, I admit, makes sense.....

BUT I WANTA HOLIDAY!
So this means that I've got to do as much DIY as humanly possible and save extra for a holiday on top of everything else.

What have I talked myself into? :rolleyes: I've started writing a list aka: action plan!