Bumbling along to be Mortgage Free

pammyj74

I second everyone elses congrats on how far you have come, it is an amazing achievement. :j

oh dear about the rad and the flood! Just think of how it will all look when completed and done properly. I bet the valuation will be going up making better LTV.

:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin

knitwit67

Well done for a fantastic year. It's an amazing achievement.:T:beer::T

gratefulforhelp_2

Congratulations on you £nniversary!

gallygirl

gratefulforhelp wrote: »

Congratulations on you £nniversary!

From me too

pammyj74

Its annoying when you have to tidy to go to bed. I hate it when you have changed the beds but havent but the fresh stuff and you forget until you walk in tired, or you have done the washing and just dumped in on your bed. (this usually ends up on the floor then!)

wantabetterlife

Well done on the camera sale michelle :j:j. Goodluck with getting the house sorted, i always feel so much calmer and relaxed when the house is tidy and organised, shame it doesnt stay that way :cool:.

SmlSave

Sending some energy your way Michelle

I think I survive just on energy drinks sometimes. (sugar free)

Radish72

cha97michelle wrote: »

I've made a fridge bottom soup for mine and the kids lunch. Not really the right weather but it will be nice. Not that hot in the house.

Trying not to think about what the budget might have in store for us later. :eek: I am going to remain calm and zen. Perhaps if i don't watch the news and turn the computer off i can live in my own blissful bubble?

fridge bottom soup :rotfl:when I make this I call it sh*t in a pan soup but your name is much more refined

I'm also a dab hand at sh*t in a pasta bake :rotfl:

taka

Radish72 wrote: »

fridge bottom soup :rotfl:when I make this I call it sh*t in a pan soup but your name is much more refined

I'm also a dab hand at sh*t in a pasta bake :rotfl:

*wishes she hadn't read your post just before lunch* :eek: :rotfl:

pammyj74

cha97michelle wrote: »

Right, just been checking out the bits of the budget that will affect us.

VAT to go up to 20% in January 2011. - We are planning on having the kitchen done too after the bathroom, so will try and get that booked in for some time in the Autumn.

• personal tax allowance to go up to £7475 - will leave us a little better off. I am even less likely to hit this than the last rate. Mental note to self, must sort out the forms you fill in to not pay tax on your savings ASAP. Should have done it when i left work really.
• child benefit to stay the same for next 3 years - no real biggy. It goes up a couple of quid per year so 2*52, +4*52 + 6*52 = £622 over 3 years. I don't think we will really notice that.
• child tax credits only affected for those on over £40k - we are not at that level, so no worries.
• no increase on taxes on fuel and booze at the minute :beer: We spend a fair old bit on fuel, and a bit less than we used to on booze.

Not too affected at all which is a big relief. The only difference is i might change some focus into getting the big DIY job done sooner while we can. We can always borrow a bit more of the in-laws if we need to at that stage, although i think i would prefer not to and not feel so bad. They have been more than generous already.

I will have to have a think to myself about what other purchases we may be considering making.

this is good to know. I do wonder though why people on more than £40k a year need to be on benefits as well?? Surely thats not right? it should be £30k, maybe only saying that as I will get nowhere near either BUT if I was then I am sure I wouldnt need benefits on top of it.

We talked at work about VAT, once it goes up they reckon it will never come back down.