The revenge of the stripey socks - a DFW adventure

lucielle

Yep, Muffin Maclay like a bundle of hay and not forgetting Scar face Claw!!!!! Love those stories. Check that you don't get charged for over paying on your loan.

Its good that an eyebrow has been raised above the parapet. I found it quite cathartic to get it all out.
L

boredofbeingathome

fayjmck wrote: »

Daily Update -
(thank you piq for the cunning update in a diff colour :A )

Yesterday - Paid the first extra payment off my 'scary hairy maclairy' loan :j
Whilst I know this isn't new to any of lots of you its really uncharted territory for me.


Added up going away this week (wont put it here as its too scary for a couple days away) Keep thinking argh maybe this should just go to debt - but we don't get much time together as the cherubs go to see daddy in holidays so its nice to have some time - will check out how much exactly and compare the two ferry companies.


I called scary credit card people (barclaycard - first credit) the interest is frozen on that debt I am not paying any - therefore I think it can wait


Decided having taken advice and talked it through the scary maclairy loan can get my extra attention first


New lodger girl money wasn't really expected so considering throwing the whole lot of that extra to the loan each month. ?
The loan seems to have the interest applied to the balance each three months (4% every 3 months I think - be gentle I am very new at this 16% - can that be right? I have had this loan since 2003 - many expletives if that's right:eek: ) so in my new DFW thinking - the more that's off the balance as quick as possible is the way forward???


It is actually (is this sad?!) quite exciting thinking - right sleeves up - come on RBS you Bleeps - you aint getting much more of my money as interest.



Busy day today - need finalise something for my evil supervisor
(I have 4 there is only one who is particularily worthy of being fed to rabbid sheep or given to a cannabil and eaten with a very little spoon):D
So......need keep him happy somehow or other - as I can neither (according to the evil one) 'write nor express myself clearly' this will be a challenge.


Dunno how to do the 'work out when you might actually be debt free bit' but will sort that out soon. OH seems a bit perplexed about my sorting things out?


Must email lodger girlie and sort out lease, deposit and first months rent.

Watch out scary hairy maclairy loan.

ps Hairy Maclairy is a funny wee dog in a kids book that looks like my dog ''peedie'':D

I love Hairy Maclairy:D Great diary and i look forward to reading your exploits..silly man your ex.

I think you need the snowball calculator which if you punch figures in, will tell you how much you will be paying and your debt free date.

http://www.whatsthecost.com/snowball.aspx

Have fun with evil supervisor..:D

Bob x

Uniscots97

Morning All, I'm sure you can get cashback through quidco or cashback kings or similar for ferry tickets so might be worth checking it out Fay.

As for money from new lodger put it to whatever debt has highest interest. If this is your loan check that you can overpay without penalties. If you can't (sometimes they only accept the full amount) then pay the lodger money to the next highest interest rated debt and pay that off quicker.

Pippilongstocking

Quick break - Hi lucille - love the books too.
phoned bank my loan is a PTL - 16.9% no penalties for paying extra. :eek: I took it out in 2003:eek:

- snowball (BOB - waving - thank you for the link!!) thingmy is great - if I am right and put ALL the lodger money + normal payment to the hairy loan - can be paid in 9 months instead of 23. ?? can this be true????

Ta UNix - can't seem to find a link for my ferry co's on quidco...........rats


Useless silly stupid (shut your ears darwin) van needs tyres - off to find out the cost at lunch - its never ending isnt it??????????????????

Miss_Piggy_2

Oh I like the Hairy Mclairy books!! Now I have a vision of a rather scraggly looking loan though! Very bizarre.

Good news if you CAN pay that loan off in that time. Quite a satisfying thought eh?

Hope the van tyres don't cost too much! I dread having to do anything to my car as I NEVER seem to be prepared for it!!!

Anyways must shoot off....Dad is taking my stepson to the Emirates stdium today to see Brazil v Italy. He's VERY excited (SS that is, not me Dad:rotfl: ). So must get us all packed up and on the move. Do you find as a Mum you NEVER sit down????

Good luck with the Supervisor thingummy....sounds scary!!

Miss P
xx

redsquirrel80

Hi Fay, been reading but not posted - just spotted your "spent on cr*p this month" figure which made me giggle. Love reading your posts - good luck with everything!

sophiesmum_2

fayjmck wrote: »

Quick break - Hi lucille - love the books too.
phoned bank my loan is a PTL - 16.9% no penalties for paying extra. :eek: I took it out in 2003:eek:

- snowball (BOB - waving - thank you for the link!!) thingmy is great - if I am right and put ALL the lodger money + normal payment to the hairy loan - can be paid in 9 months instead of 23. ?? can this be true????

Ta UNix - can't seem to find a link for my ferry co's on quidco...........rats


Useless silly stupid (shut your ears darwin) van needs tyres - off to find out the cost at lunch - its never ending isnt it??????????????????

Snowball says yes!! Just think how much spare money you would have each month once it is paid:j

Pippilongstocking

I hang my head in shame for not doing any of this sooner. The Snowball thingmy is awesome.

Piqant you wonderful woman thank you for nudging me - I may owe you lots and lots by the time I am done.

SM - a 'non-stripey sock parcel' just posted to you - hope you enjoying some 'u' time.....


Hairy loan is cos its 'scary' - therefore 'hairy maclairy'

Piquant_2

fayjmck wrote: »

I hang my head in shame for not doing any of this sooner. The Snowball thingmy is awesome.

Piqant you wonderful woman thank you for nudging me - I may owe you lots and lots by the time I am done.

SM - a 'non-stripey sock parcel' just posted to you - hope you enjoying some 'u' time.....


Hairy loan is cos its 'scary' - therefore 'hairy maclairy'

..even scary friends have their uses.... :heartsmil

boredofbeingathome

fayjmck wrote: »

Quick break - Hi lucille - love the books too.
phoned bank my loan is a PTL - 16.9% no penalties for paying extra. :eek: I took it out in 2003:eek:

- snowball (BOB - waving - thank you for the link!!) thingmy is great - if I am right and put ALL the lodger money + normal payment to the hairy loan - can be paid in 9 months instead of 23. ?? can this be true????

Ta UNix - can't seem to find a link for my ferry co's on quidco...........rats


Useless silly stupid (shut your ears darwin) van needs tyres - off to find out the cost at lunch - its never ending isnt it??????????????????

Oh yes, the snowball is great..i am having hours of fun with it:D Am working on training Mr.B with it but for some reason he is not responding..could it be

1) Electrodes don't work
2) He likes them too much
Or
3)Apply further sneaky tactics..slow withdrawel of food should do the trick and when he is dizzy, cunningly whip all credit cards out of his wallet and replace with library card ( he owes a fine on this though) and a basic account card for emergency use only..oh yes.... a plan is formed:rotfl: I love thinking things through on other folks threads.:D

Have you looked at other cashback companies for any discount? Do they give frequent ferry crossing miles