📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

SmlSave MFW diary - where to start?

Options
15455575960152

Comments

  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    edited 8 December 2009 at 12:00PM
    get_well_soon_graphics_17.gifgetwell.gif
  • Its catching! I'm ill now, we really ought to stop all this 'cyber snogging'!:rotfl:

    TPAx

    PS you can always rely on me to lower the tone!:o
    MFW - We've only gone and blooming done it!
    May 2013:j
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Thanks for all the well wishes :D I'm feeling all better now and managed to enjoy DH's Xmas party, the Clothes Show (spent £50) and Basement Jaxx.

    You're not the only one I gave it to TPA, my morning chaffeur has it too and I don't remember snogging him either :rotfl:

    Only 15 days till Xmas! I've just got to start the Christmas Cards now...urg...
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • SmlSave wrote: »
    Thanks for all the well wishes :D I'm feeling all better now and managed to enjoy DH's Xmas party, the Clothes Show (spent £50) and Basement Jaxx.

    You're not the only one I gave it to TPA, my morning chaffeur has it too and I don't remember snogging him either :rotfl:

    Only 15 days till Xmas! I've just got to start the Christmas Cards now...urg...

    You have a chaffeur, who are you Holly Willoughby:eek:? OMG I know someone famous.:D

    TPAx
    MFW - We've only gone and blooming done it!
    May 2013:j
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    SmlSave wrote: »
    my morning chaffeur

    :confused::confused::confused: do explain :D Do you have an evening chaffeur too!
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    You have a chaffeur, who are you Holly Willoughby:eek:? OMG I know someone famous.:D
    Do you have an evening chaffeur too!


    :rotfl::rotfl::rotfl:He's DH's best mate who gives me a lift into work so unfortunatly I'm not famous.......but I am very distantly related to Flavia by marriage but I don't think that counts! :rotfl::rotfl::rotfl:

    No evening chaffuer :( unless you count Mum, Bro and DH :rotfl:

    Got a Xmas buffet to look forward to tonight which is paid for and I shouldn't be buying too many drinks as I'm working tomorrow!

    I've quite chuffed that I've been offered some overtime over xmas and am going to be paid in asda vouchers :) which means i can stock up the cupboards if i can resist the clothing section.

    Ohhhhhhhh.... is it true that the ISA allowance will be going up to £5100? If so I'm all excited. not becuase i'll actually be able to save that much but it will give me the option to be more flexible with regards to moving the money around a bit! e.g. save £1000 for windows, take it out and there's still £4100 allowance to use!
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • I just thought you were half famous, you know the morning half! Chaffeur in the morning and thumb a lift in the evening!:D
    Just being nosey, do you drive?



    Ohhhhhhhh.... is it true that the ISA allowance will be going up to £5100? If so I'm all excited. not becuase i'll actually be able to save that much but it will give me the option to be more flexible with regards to moving the money around a bit! e.g. save £1000 for windows, take it out and there's still £4100 allowance to use!

    Aww I do hope so!!:j:j

    TPAx
    MFW - We've only gone and blooming done it!
    May 2013:j
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Just being nosey, do you drive?


    I don't think its nosey :) I do drive but since selling my car I've got out of the habit as I'm too lazy to drive DH's, all that seat moving and stuff :rotfl:
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • pawlala
    pawlala Posts: 1,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I'm thinking of taking all my savings out of my ISA and putting them into a Lloyds incentive saver at 2.4% net, 3% gross, which is a lot better than the ISA rate at the moment. Can't help feeling I'm missing something though!
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    SmlSave wrote: »


    Ohhhhhhhh.... is it true that the ISA allowance will be going up to £5100? If so I'm all excited. not becuase i'll actually be able to save that much but it will give me the option to be more flexible with regards to moving the money around a bit! e.g. save £1000 for windows, take it out and there's still £4100 allowance to use!

    If you are 'lucky enough :rolleyes:' to be 50 before 6th April it applies now, otherwise from next tax year.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.