Laura's K.I.S.S DFW diary

laura2481

There really wasn't any point to my above post, it just made me laugh

mooomin

http://isitchristmas.com/

laura2481

flying_fresian wrote: »

http://isitchristmas.com/

:rotfl: :rotfl:
I shall check daily. You never know when Christmas might happen, unexpected like... :rotfl:

laura2481

Well, today a guy is calling us about renewing our mortgage (apparently they no longer have any mortgage advisers in our area. Cutbacks, methinks.)

Anyhoo, I must confess to being a little bit nervous. I KNOW that the general gist is gonna be 'it's not looking good. Best to stick with your SVR' but I don't really want to have it confirmed!:rolleyes:

I don't really want the uncertainty of a variable rate either... it will make it so much harder to budget!

Last night I was dreaming (sad, i know) that I was searching online for a fixed rate and all I could find for our LTV was 80% interest!!!:rotfl: I don't think things are that bad yet....

So, here I am on my lunch break eating a cup o'soup and feeling just a little strung out. I've also got to clean the house top to bottom tonight and tomorrow as I am having a surprise birthday party for my grandma at my house on Saturday. It was a surprise to me too.. I didn't know until last week when my mum 'asked' me if it was ok (read that as: told me!) So feeling a bit aaaarghhh about that too.

On the upside, it's pay day tomorrow :j
And I got a whole £8 bonus. Yes folks, £8. And that's before tax too..:rotfl:
So obviously I'll be living it up in the Bahamas next weekend... I wish!:D

bobbadog

Hey Laura! Yay for Payday and yay to your bonus! Every little helps, as the Supermarket says. Just wanted to say that I agree with you on the other boards - I've not updated my sig for a while, and asked a question the other day on the House Buying board and kind of felt a bit picked on and accused. People often seem to forget that the motto of MSE is that no question is a silly question!

As for your mortgage, try Britannia. They're doing 90% LTV at 4.79 variable and 5.69 fixed (we're just finishing off our application now) x

laura2481

bobbadog wrote: »

Hey Laura! Yay for Payday and yay to your bonus! Every little helps, as the Supermarket says. Just wanted to say that I agree with you on the other boards - I've not updated my sig for a while, and asked a question the other day on the House Buying board and kind of felt a bit picked on and accused. People often seem to forget that the motto of MSE is that no question is a silly question!

As for your mortgage, try Britannia. They're doing 90% LTV at 4.79 variable and 5.69 fixed (we're just finishing off our application now) x

Thanks for the tip! Fingers crossed we've even got 90% LTV now prices dropped!

ps. (whispers) It's much safer in here, the other folks are mean. I don't fink i'll be venturing out again..except maybe to OS board. It is also warm and cosy in there.

laura2481

Well, it went as expected. They guy basically said 'Stay put' and didn't waste anytime about it. Took about 15mins in all. We are gonna have a chat with someone else, probably an independent person, just to make sure that the advise isn't biased but I really think that is the lay of the land.

Will also have a chat with our building society, see if we can't switch to a repayment mortgage at the very least, and then use our savings to make overpayments so we really start getting those numbers down! Put us in a better place for a decent fixed rate when the mortgage market picks up a bit (whenever that may be!!)

laura2481

:j Have just checked online banking and have finished only -£134:j

That is the least I have been overdrawn in about 3 years! If not longer! And I saved £150 this month. And it was a looooonnnng month! And it was my mum, dad and grandmas birthdays this month! Whooo hooo!

If I keep this up, I might not be overdrawn at all next month!:j

Going to have a drink now to celerate:beer:

laura2481

New months resolution: (I missed January!)

1. Check online banking everday
2. Post on 'What DFW things have you done today thread ' daily
3. No alcohol in the evenings except on evenings where I am not working the next day. eg Not working Sunday- allowed to drink Saturday (this my simple idea on how to cut down alcohol- been getting into some bad habits! This way should cut down to 2 evenings per week..
4. Continue with 'Simple Plan':
   Overpay one debt per month
   Always look for a cheaper option
   Think 'do I NEED this, or want this, before buying anything!'
   Keep track of incomings and outgoings

laura2481

The party for my grandma went well... even came out it 'profit' from the event:

1. 4 bottles of wine (2 red, one rose, one white)
2. 4 cans of Stella
3. 2 bottles of Leffe Blond
4. 3 bottles of cider (BF can have these, yuk!)
5. 1/2 bottle of champagne
6. 3 bottles of soft drink
7. fridge full of party food provided by my mum

So, it looks like I'm going to be drunk most of February! Boring day at work today...still, it's keeping me out of mischief!