Mortgage Reduction Beginner to Novice - The Show Begins

Mortgage_Reduction_Novice

Wow £2.88 from £co - straight to ISA!

Mortgage_Reduction_Novice

And another two mystery shops for Saturday!

TallGirl

Mortgage_Reduction_Novice wrote: »

And another two mystery shops for Saturday!

Totally agree with you there its so tempting when there are so many good ones out there.

Good news on the mortgage we had a fixed rate for a few years then went for offset and it worked so well for us. Really spurred me on but I remember asking on here about what to do and everyone said swich to fixed (I think my mortgage rate was 4% at the time) only for it to go down to 0.85% so pleased I left the offset alone. We never have a crystal ball that is the difficulty.

Re the meals get the bulking stuff out red lentils, barley, carrots etc all tasty cheap stuff that does us no harm.

numptyknownothing

Stuffing and dumplings. They add bulk and are easy and tasty. You can add any number of herbs, spices and mustard. Or cheese and crushed nuts. Limitless combinations and fab at this time of year.

ammonite

Good luck deciding on the mortgage. Ours is a 5.3% five year fix *shudder* but as Tilly said, no one had a crystal ball at the time and it was the cheapest by far, we were just lucky to have a good LTV to get a decent rate. Could have been about 8% *insert eeky face*

Mortgage_Reduction_Novice

Hi TG, Numpty and Ammonite - thanks for your comments!

We've gone for the 5 year fix at 3.19% - I do have a crystal vase with some beautiful lilies in at the moment and it was making a rainbow on the table when we decided - that's as close to a crystal ball and predicting the future I get! We collated our payslips/P60s and filled in the forms yesterday evening. I've never had any dealings with Nationwide... anyone know if they have an online function for OPs/checking balance?

My padding has included lentils, a tin of baked beans in sausage casserole, garlic bread as a side, grated carrots and desert which I don't normally make but the main course wasn't sufficient enough to fill OH. It's been surprisingly easy to pad out a meal plan for one to feed two - even with MrMRN's big appetite. Maybe it's a route to cutting back in the future!

TG - I've been turning down mystery shopping jobs! I can't really do more than three on Saturday and get my own Christmas shopping done!!!

megela

Nationwide's online banking is brilliant.

They add the interest daily so you can see exactly what you owe, I also had current accounts with them and transferred tiny amounts to OP. Don't know if you need a current account there to have online banking?

I loved seeing the interest daily and a more 'real' figure, rather than Nwest adding it monthly. I'd never have moved but for their stubborness in refusing to let me pay ERC and remortgage at a lower rate.

WOW :T on the mystery shops - not something I've ever tried.

Mortgage_Reduction_Novice

Woo week 11 of packed lunches complete (just - was thin pickings from the fridge/freezer and then I had to go back to the house to remember my lunch bag)!

OH got our mortgage paperwork faxed to the FA yesterday so now we just need to cross fingers till it's approved. We're boarder line the 70% max so it could go either way but worth a shot.

£38 worth of mystery shopping to be completed this evening and then a big food shop with many voucher complications.

Tilly_MFW_in_6_YRS

Morning, you are doing brilliantly on the packed lunches. If it was slim pickings though, I am slightly worried about the combinations you have gone with. No pât! lurking on the top?

Tilly x

gallygirl

Slim pickings in my freezer would a handful of peas, spinach crumbs and random leek rings. Plus some 6 month old breadcrumbs. And a random tub with no label which may be soup. Or curry. Or casserole. Or none of the above. Happy to send over MRN if it will help .