The 15k Paper Hat - It could be YOU!!!!!

CAFCGirl

PAID - I actually think thats got the potential to come back and bite you all on the a$$, especially if there is no consistency between what people are being told. I know its unfair to now go back on what the guys been told but surely there is a guide as to what he can take etc.....

clearmydebts

Thanks for all the Happy Birthday wishes. I am still housebound but having a lovely day. OH got me a purple/blue Sony Vaio laptop which I am thrilled with. Have been getting lots of texts and facebook messages all day so feeling very loved. Lol!

In money news, my mortgage account was taken over by Bank Of Ireland and it looks like I can make overpayments of £500 instead of £2000 when it was Bradford and Bingley. Am waiting for the details to come through but as there isn't a huge amount of difference between the interest rate for both I might chop & change which I overpay. Am quite excited about the prospect of overpaying on my mortgage

savingholmes

snow white nice to see you back

CMD Happy Birthday. Good luck with overpaying on the mortgage

I am decluttering at the moment - nothing else really going on....

too_much_debt

clearmydebts wrote: »

Thanks TooMuch!

Can't believe I am going to be 33. Getting old! I did want to have my first baby by 32 but my birthday is just sneaking in there before the baby arrives

Hi

I was 34 when I had my first, 35 when I had my second and 39 when I had my last, am 41 in February. Two of DD1's best friends mums are both pregnant and I was really pleased for them but was soooo glad its not me, am quite relieved I don't have to go through all that again.

Glad you are having a nice birthday.

tirlittan

Happy Birthday CMD!
Hope you had a lovely day! Wow, a laptop, great present!

We went up Pen Y Fan on Saturday, got there half 8. WAs lovely though overcast and not clear sunny sky's like last year. Had my first go on a snowboard (am a skiier, but never tried boarding) was good fun but arms are knackered from pushing myself up after falling.

Catch you up tomorrow, going to bed now,tired though didn't do much today.

starnac

clearmydebts wrote: »

In money news, my mortgage account was taken over by Bank Of Ireland and it looks like I can make overpayments of £500 instead of £2000 when it was Bradford and Bingley. Am waiting for the details to come through but as there isn't a huge amount of difference between the interest rate for both I might chop & change which I overpay. Am quite excited about the prospect of overpaying on my mortgage

Glad you had a good birthday CMD.

Our mortgage has just been taken over by bank of ireland too but when we checked we were only allowed to make op of £1000+. might check again.

£70 op off cc today

clearmydebts

starnac wrote: »

Glad you had a good birthday CMD.

Our mortgage has just been taken over by bank of ireland too but when we checked we were only allowed to make op of £1000+. might check again.

£70 op off cc today

Thanks Starnac!

What were you allowed to overpay before? We could only overpay £2000 or more. I am waiting for the details to come through but when I was looking on their website last night they said that you could now make overpayments of just £500. It would be worth checking. Hopefully, it is the case as it is motivating, the thoughts of paying £500 at a time.

tirlittan

Morning ladies!

I have found a place I want to rent, sharing with just one other. Rent including bills is at the top of my budget, but I'll manage. There's two cats as well, can't wait to have some animal company as well, if things work out. Will keep you posted.

CAFCGirl

sounds good tirl'

have you met the person you'd be sharing with?
And is it still within your budget?

tirlittan

Have met the lady, she's nice, would get on with her well. She's not always in the country either so will be having some time just on my own as well.
Yes Miss (;)), still within my budget, have made sure of that. Some adjustments to other figures needed, but doable.