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Taka's MFW journey

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  • taka
    taka Posts: 3,483 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    StuartGMC wrote: »
    Taka
    I very much hope you resolve the situation with Egg; the experiences you and Gallygirl have reported makes me a bit cautious about using them for savings in future.

    Well as long as you don't change current accounts you'll be fine. :rolleyes: This is the 1st problem I've had and I'm not impressed at all...
    StuartGMC wrote: »
    I'll try not to mention interest rates to you in future, but, recall the reason you went for the fix originally as no one could have predicted these present rates. Our rates in the mid 1990s were around 8.5-9% if that makes you feel better.

    Don't worry - I made my decisions for valid reasons at the time and now have to live with them... :rolleyes: At least I have a flat for the cost of my mortgage - what I pay roughly equates to a rented room in a shared flat here! :eek: My 1st ever mortgage in 1994 (at the tender age of 18 :eek: - I've never rented anywhere other than uni halls :o ) was a 8.5% fix, I think, which was scary at the time. Mind you MIRAS was still around to help a bit...
    StuartGMC wrote: »
    Christmas a your place sounds like it will be a "close" affair and I'm sure all will pitch in and bring the odd folding chair or similar if asked.
    Yep! It'll either be bring a chair instead of a bottle or buffet style I think! :rotfl:
    Mortgage free as of 12/08/20!
    MFiT-5 no 45
    You can't fly with one foot on the ground!
  • Taka / gallygirl,

    You both on commission for smiley's used, or you both just having a mini-competition...?:rotfl:

    I've only changed my main current account once - from NatWest to Nationwide. I had the offer of a switching service, but did it all myself.

    I knew exactly where I was, the minimum balanced needed for each account, what I'd switched and what was outstanding etc. Sounds like you're getting far too much grief.

    Was with NatWest for about 18-20 years. Not sure customer service is forefront any more - profits, profits, profits.

    Financial Bliss.
    Mortgage and debt free. Building up savings...
  • taka
    taka Posts: 3,483 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Taka / gallygirl,

    You both on commission for smiley's used, or you both just having a mini-competition...?:rotfl:
    Oooooops :o I wish... Sorrrrry!! I think its a side effect from spending too much time on DFW!
    I've only changed my main current account once - from NatWest to Nationwide. I had the offer of a switching service, but did it all myself.

    I knew exactly where I was, the minimum balanced needed for each account, what I'd switched and what was outstanding etc. Sounds like you're getting far too much grief.

    Was with NatWest for about 18-20 years. Not sure customer service is forefront any more - profits, profits, profits.

    Financial Bliss.
    Yep customer service is pretty far down the scale of importance to banks these days. I just find it sad!
    Mortgage free as of 12/08/20!
    MFiT-5 no 45
    You can't fly with one foot on the ground!
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Taka / gallygirl,

    You both on commission for smiley's used, or you both just having a mini-competition...?:rotfl:

    :rotfl: I use my hands a lot when I talk :dance: and smileys are the best I can do on here :o
    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"
  • taka
    taka Posts: 3,483 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ohhhhh it looks like egg have finally got their act together and set up the DD with the right details! :j It just needs to show on my current account and I'll believe it! Only other thing outstanding was a charity DD due today but I've already contacted them and sorted that out... Happy, happy days! :j

    After all the stress and anger of the last few days I spent part of last night doing mindful meditation and I now feel vastly more relaxed! I also spent part of the evening updating all the interest rates on my various accounts in quicken. Its making mighty depressing reading...

    Ohhhh apparently there is gluwein drinking happening soon here... I love my work sometimes! What is German for cheers? :beer:

    (PS Sorry FB... there were only 3 in this post... )
    Mortgage free as of 12/08/20!
    MFiT-5 no 45
    You can't fly with one foot on the ground!
  • SmileyG_2
    SmileyG_2 Posts: 359 Forumite
    taka wrote: »
    What is German for cheers? :beer:
    :beer: Prost!!:beer:
    Target acheived: _party_ Mortgage offset in June 2012!_party_
    Mortgage = -£98
    Endowment = £0
    Investments = £40,247
    [STRIKE]Deficit[/STRIKE] / Surplus = £40,149(at 22/09/2017)
    "Don't spend then save, save then spend!"
  • taka
    taka Posts: 3,483 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    SmileyG wrote: »
    :beer: Prost!!:beer:
    Prost!!:beer: :D
    Mortgage free as of 12/08/20!
    MFiT-5 no 45
    You can't fly with one foot on the ground!
  • taka
    taka Posts: 3,483 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well the gluwein (sp?) was yummy as was the free wine and other spiced winter drinks! Oh and half a ton of gingerbread/mince pies/stollen etc! Oooops! :o

    Well I've just been rather naughty - I've just bought my first dishwasher! I just need to learn how to plumb the thing in! I have a cold tap, electrical socket, odd looking waste tube attachment and a space in my kitchen that has obviously had one before (currently a large but mainly empty wine rack) so I'm hoping its all ok... :eek: I guess I'll find out in about a week!

    Oh I also bought the pirates of the caribbean box set... yummy (Its all your fault setmefree2... all that drooling over Johnny Depp on your thread... :rotfl: ) I've still not bought anyone elses Xmas pressies - just lots for me!! :o
    Mortgage free as of 12/08/20!
    MFiT-5 no 45
    You can't fly with one foot on the ground!
  • taka
    taka Posts: 3,483 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Nothing much to report this week - money seems to be leaking from my bank account at high speed but I'm still in budget. (Just!) Not sure how next week will go... a bunch of presents still to get and too many work Xmas parties! That reminds me... I need to add paracetamol to my shopping list... :o Only 5 days of work to go before Xmas then I'm off until the 5th Jan. :dance:

    Woo Hoo!! My shiny new dishwasher has just arrived! :j Now to try and plumb it in! Ermmmmmmmm....

    I'm going in... someone call the search party/plumber/fire brigade if I'm not heard from for a while... :rotfl:
    Mortgage free as of 12/08/20!
    MFiT-5 no 45
    You can't fly with one foot on the ground!
  • StuartGMC
    StuartGMC Posts: 2,175 Forumite
    Taka
    Hope everything has progressed well with the dishwasher?
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