Most feeble overpayment?

Caixta

I've just started saving piggy points for a Pigsback Piggy. How much do you reckon it'll hold, calleyw? Couldn't make out the size of it from the website photo. Sounds like you got over 100 coins in it - did they fill it?

I'm hoping to put odd coins in and make many "feeble" (i.e. worthwhile )overpayments every now and again.

calleyw

Caixta wrote:

I've just started saving piggy points for a Pigsback Piggy. How much do you reckon it'll hold, calleyw? Couldn't make out the size of it from the website photo. Sounds like you got over 100 coins in it - did they fill it?

I'm hoping to put odd coins in and make many "feeble" (i.e. worthwhile )overpayments every now and again.

He is not huge. As I save 1ps and 2ps in Herbut and with a £1 in pennies and about 40p in twos it filled him nearly a quarter full. The 5ps I save somewhere else. But thought I would say that Herbut coughed them up to make it easier.

I don't know how much he would hold in total. But his vitals are:

Height: 4 inches from feet to his slot (oh that sounds rude :rotfl: )but his ears are a smidge taller than his back.
Lenght: 5 inches from snout to tail. But that is not really fair as his snout sticks further out than the rest of his face.
Around his middle: 12 inches so he has a big fat belly

Hope that helps you visualise what sort of size he is. And he is so cute. And to big to fit through the letter box as I had to go down to the sorting office to pick him as I was not in when he was delievered.

HTH

No over payment is to feeble Caixta. Something even if it is only the odd £1 or £2 everymonth is better than nothing.


Yours


Calley

Caixta

calleyw wrote:

No over payment is to feeble Caixta. Something even if it is only the odd £1 or £2 everymonth is better than nothing.

I totally agree calleyw!

I confess that a couple of months ago I found 38p on the ground so when I got home I paid 38p off my mortgage through online banking. Paying it off the mortgage made it just as if I had found 76p!

Sometimes I can find big chunks to pay off the mortgage, but sometimes only little bits, so I thought it would be fun to put those little bits in a piggy.

Here's to the little things. Come to think of it, I'm quite little myself - was always told as a child, "Good things come in small packages" :rotfl:

Gingham_Ribbon

Caixta wrote:

Sometimes I can find big chunks to pay off the mortgage, but sometimes only little bits, so I thought it would be fun to put those little bits in a piggy.
:

We have an owl called Ima (I'm a hoot.) It's a race between the 3 of us as to who can put our spare change into it at the end of the day. It does work to have that little serious owl face asking us to feed him.

We're on a fixed rate that we can't overpay just yet. But when the fixed rate ends there is a tidy sum waiting to go straight in to it. And all going well, in 4 years, there will be no mortgage, and Ima will be used to save up for an attic conversion. Seems like a much cheaper way of getting a 4 bedroom house than buying a new one.

calleyw

Caixta wrote:

I totally agree calleyw!

I confess that a couple of months ago I found 38p on the ground so when I got home I paid 38p off my mortgage through online banking. Paying it off the mortgage made it just as if I had found 76p!

Sometimes I can find big chunks to pay off the mortgage, but sometimes only little bits, so I thought it would be fun to put those little bits in a piggy.

Here's to the little things. Come to think of it, I'm quite little myself - was always told as a child, "Good things come in small packages" :rotfl:

Caixta,

I think it is great. Most people would go well its only 38p. That is the problem. Most people go well it only £5. Yes but £5 is £5 + interest off the mortgage. Better than a poke in the eye with a sharp stick.

I bet a lot of people cut back on things but never think well I managed to shave £50 a month off all my out goings. So what shall I do with it. Oh yes spend it on tat.

Not lets over pay the mortgage. Of course if overpayments are permitted.

It is like us. We (husband and I) have an offset mortgage. It means the mortgage payments have stayed the same as for the one bedroom flat we owned. Even though it is a bit bigger mortgage. But in 13 months we have paid off £2K. And that is with less than a £100 in over payments. With my flat in nearly 7 years we had only paid off £4K :eek: .

All the best with paying off your mortgage.


Yours


Calley

moggins

Okay I am going to sound like a total idiot here but how do you overpay on your mortgage when it is set up by DD and I haven't the foggiest idea what the company's banking details are??

halloweenqueen_2

I asked today if my bank would do fortnightly dd's she said they wouldn't but if I wanted I could set up a standing order to have money paid in regularly in addition to my mortgage payment.

calleyw

moggins wrote:

Okay I am going to sound like a total idiot here but how do you overpay on your mortgage when it is set up by DD and I haven't the foggiest idea what the company's banking details are??

No you don't sound like an idiot at all. As someone once said to me there is no silly question just a question you don't know the the answer to.

Mine is easy because it is an offset we get a current account we can pay in to then we can pay off the mortgage.

You could always send the mortgage company a cheque directly and ask them to take it off the princple rather than interest.

I suppose if you ask them the details you could set it up as a bill payment on internet banking. So you can pay when ever you like.

Can't be much more help than that.


Yours


Calley

EagerLearner

Caixta - I'm petite too and also heard the 'best things come in small packages' ;op

I have ordered my free piggy (the clear one) but it hasn't arrived and Pigsback have not yet answered my e-mail to discuss where he might have trotted off to. I ordered it, but yet still have the same number of points?? I even went through the PIN code thing, so it was ordered for sure...

I am already saving for overpayments on the mortgage we don't even have yet... in 6 weeks all going well we'll be there, we want to start as we mean to go on sort of thing.

Definately agree that any amount paid off is a good amount, but I also think that you can get too into it and not enjoy life as it's happening - like I caught myself wondering if we really had to go on holiday once a year (even a short weekend) or should we pay off the mortgage that extra little bit. However, going away does a lot for the body and mind so you have to be careful to live a little too and I hope we manage both...

EagerLearner

Caixta

moggins wrote:

Okay I am going to sound like a total idiot here but how do you overpay on your mortgage when it is set up by DD and I haven't the foggiest idea what the company's banking details are??

The first time we tried it with ours (The Woolwich) I just went into the local branch and handed the cash over the counter. I dug out the mortgage statement at home and took it with me. That had all the details needed, like account number, etc. I showed it to the lady and she was very helpful - she extracted whatever she needed to know and even filled on a paying in slip for me. She marked it "capital repayment" to make sure it would come off the mortgage rather than just being seen as that month's payment come early.

Since then I have found it easier to do it at home through online banking. I set Woolwich up as a payee through First Direct by giving our Woolwich account number. Now it's one of the beneficiaries that we have in a dropdown list from our current account. So I just key in an amount and press send.

EagerLearner, you're right, it is all about keeping a balance. A holiday does have a lasting effect, once it's over, so it would be pity to cut out if you can afford it. It's fun to find the ways of cutting back that won't really be missed.