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

Birdie85

I think she needs a KFC Family Feast!

I really like this dress, simple but blingy at the same time, purdy!

Cinny91

haha, I think she might!!

It's a lovely dress, I'd save it on your maybe list if I were you! Unless they're all going on the maybe list.

Found a lovely cottage on right move only 70k! thing Northern Rock would give me a mortage?

Birdie85

I've just been compiling my maybe list and there are 11 dresses on there! I don't know how I'll whittle it down, especially as I'm finding new dresses every day!

I think you may need to bake a lot of cakes to get a mortgage!

Tete_en_l'Air

They probably would Cinny! Sounds like a productive day, you're so intellectual going to lectures and getting out books about Churchill!! (And being excited that your library card has monkeys on it )

That dress is nice apart from the bit under the bust Birdie, I'm not too much of a fan of bling, I like froth and frill! I thought yesterday's model looked like Delta Goodrem but forgot to say.

Just been along to check my ISA, I got £282 interest for last year, which isn't too bad considering what my rate is now. Also popped quickly into Lloyds and picked up a leaflet which says that the 3% fixed rate is only for people who deposit £21k, not nine like I thought (like it says on the website). According to the leaflet you only get 2% for £9k. I'll go in tomorrow and check; if it's only 2% I don't think I'll bother moving, but if it's 3% I will. It means I'm only £107 short of the £9k, which won't put too much of a strain on my OD will it? :T

Cinny91

How many cakes are a lot?

You could just have a lot of dress changes Birdie! Just be like some kinds of awards show.

Cinny91

Tete_en_l'Air wrote: »

the 3% fixed rate is only for people who deposit £21k

Crikey! :eek: I wish I had that kind of money to deposit!

What about this one from Martins weekly mail? 'Top Payer: The Barclays Golden ISA pays 3.61% AER, though 1% of this is a bonus that only lasts a year.' Copied and pasted as I'm lazy today. £282 for a years interest is good! :j and the £107 will be easily paid back.

That's what I thought! Going into the towns posh book shop and asking for lecture tickets clutching my oversized books! Only to come home, have a tin of beans for my quickie dinner while watching 'to buy or not to buy' before work.

ETA: Kicking myself over getting the Abbey ISA over the barclays one now. Ho-hum. Roll on next year I suppose!

Birdie85

I think you'd need at least one cupcake per person at the branch and then a box to send to the call center folk who the application gets sent up to!

I think my brain fried a little when you were talking about moving ISAs tete, what's this about the OD? I'm confused!

Tete_en_l'Air

The only thing that makes me prefer the Lloyds one is that it's fixed, whereas the Barclays one might drop below 3%... Is To Buy or Not To Buy a house programme? I really envy you working part-time and being able to watch things like This Morning as you wish!

Tete_en_l'Air

Birdie85 wrote: »

I think my brain fried a little when you were talking about moving ISAs tete, what's this about the OD? I'm confused!

I need to deposit £9k to qualify for the 3% rate, otherwise it's only 1.5%, and I what I have in savings falls £107 short, which I would borrow from my Barclays OD facility which I still have.

Cinny91

Cupcakes I can do! Or I can stay with my parents and get fed on more than 7p noodles.

Yeah it is, the one where they get to 'try before they buy' I wish I could say it isn't fun working part time but I'd be fibbing! It's great, I don't get the morning tv (only a little on Wednesday as it's my 'errands' morning.) but I do get Channel Fours afternoon movies, and Paul O'Grady!

Just got my wage slip - Still on £4.50. Which is because I 'didn't turn 18 until Thursday' in which case, I should be paid £5 on the days I was 18 surely?! I tried arguing that with my Pa but I got told to shush.