The ultimate incentive to get debt free, can I do it by New Years?

clearmydebts

I agree also that the list your friend has is unrealistic! I have a few friends like that and they are in their mid 30s and still single.

I'm not saying anyone should settle for any man that comes along but the list is pretty long. Am glad my OH doesn't like musicals as well Cinny! And I nearly splurted out all my tea when you said 'does she want a gay man' Birdie! Lol!!!

My OH loves wine but he also loves beer as well! I think having that on her list is very unrealistic and as for the debating about finances. Boring - I would be asleep on the first date after that!!! Each to their own though!

Birdie85

Tete_en_l'Air wrote: »

My OH loves musicals, he's always wandering about singing It's a Hard Knock Life. I swear he's a little bit gay.

:rotfl:

As I just said, my Dad loves musicals. My OH thinks he's a bit gay, especially when he goes into raptures over My Fair Lady and sings 'On the street where you live' with a dreamy look in his eyes! Bless him!

clearmydebts

Tete_en_l'Air wrote: »

My OH loves musicals, he's always wandering about singing It's a Hard Knock Life. I swear he's a little bit gay.

Maybe he is metrosexual! Nothing wrong with that! My OH doesn't like musicals but he buys Neals Yard Remedy moisturiser!!!

Cinny91

Bless your Dad Birdie! My Dad only sings 'If I knew you were coming I'd of baked a cake'

OH likes Aladdin, but that's about it. He refuses to watch high school musical with me, I need to get HSM3 though! It might slip into my basket when I'm getting OH Aladdin on DVD.

Tete - :rotfl: nearly choked on my banana then, I didn't think it was possible to choke on a banana either!

Dinah93

Right - Cinny - An ISA is a type of savings account, however on a normal savings account you pay tax on your interest, on an ISA you don't, meaning you get a better rate than in a normal savings account. HOWEVER. You can only put in £3600 a year, and once you withdraw you can't put the money back in ie if you put in £1000, then took out £500, you would only then be able to save another £2600, so it is best for long term savings. You get a new allowance of £3600 on April 1st of each year.

I agree utterly on the list, its unreasonable. However her current bf meets very few, if any of those criteria, and the last one, while a trainee doctor, also did cocaine, £20 of weed a day and poppers, so I think if she could get any of them at this point the guy would be looking pretty great! The finance thing, her first degree was in that, so it's sort of a common interest thing.

I used to have a list, then it evolved and I sort of wanted a bad boy, however NIM is about my perfect earlier guy, he's what I need and what makes me happy, not what I thought would be most fun. Wouldn't change him for the world now.

I just get the impression from you Tete you're in a very happy long term relationship, you want to get married, so your OH will know this, so it's likely to be on the cards.

Cinny91

Dinah93 wrote: »

while a trainee doctor, also did cocaine, £20 of weed a day and poppers.

Sounds like a charmer!

I think I might look into opening an ISA in April, would have to switch my point of view of my savings account. Using the ISA for long term savings, and the savings account to 'put money to one side' if I'm saving for a birthday, holiday ect. Thanks for the simple man terms on the ISA!

Dinah93

Aye the ISAs are for our house savings, then overflow house savings will have to go into the savings account we'll need to open, bit of a pain but at least it should spread us around the banks just in case!

Cinny91

Good idea to spread your money about, like Martin always says!

I read that Northern Rock are going to start handing out 90% Mortages? It seems insane!

Dinah93

I know, to put more of a stimulous back into the housing market. It disgusts me, it's that practice that got them in trouble in the first place, the market was just starting to get some sense. When's the next general election due?! Praying it's this year before Brown completes his decimation of our economy. Why is it seen as a good thing when house prices rise but not when prices of food, clothes and petrol rise? It excludes those who aren't already on the ladder and plays to investors while trapping young families into a cycle where they always have to be a working couple to afford a shoebox for the kids they end up hardly having time to raise.

Tete_en_l'Air

Cinny91 wrote: »

Tete - :rotfl: nearly choked on my banana then, I didn't think it was possible to choke on a banana either!

He also loves anything Hello Kitty, I bought him a pink pencil a few months ago, which he now takes out on building sites with him. I guess other boys don't pick on you so much when you're 6'5"!

Aw that's nice what you said Dinah, doesn't really feel that long term yet for me I guess, everything still seems quite new I know what you mean, I used to want a bit of a bad boy with floppy hair or whatever, whereas OH is quite classically handsome and clean cut (which is just as attractive to me now) - the more you narrow down your criteria, the less chance you have of meeting someone lovely.

Thanks for the ISA explanation, I started to write a reply for Cinny but got myself all confused!