1 mortgage, 2 babies, 3 years to be MF, 4 goodness sake!- weezl's diary

ceridwen

Hi Weezl:hello:

Just having a nosey at your thread for any more MSE tips - and spotted the fotee.....

yep....cute....hmmm....objective views from a non-child person here - yep....looks healthy, happy and intelligent (as I expected he would - being the child of you and Acetate Monkey:D). Well - what more could you want:D?

Have a good New Year.

mooomin

*delurks*

*squeals over cuteness of mini-Weezl*

*relurks*

Merry Christmas all :snow_laug

Tesco_points_addict

I really don't do babies, but that is one cute boy, he looks so angelic!

Glad Santa bought you a leccy monitor, what is a Sun ~Jar please?

:eek:At the sky box leccy use Thrifty, trouble is if you turn it off it all goes horribly wrong! From what you the say the microwave is bad, do you think it would be cheaper to run the gas hob to heat say, beans/soup etc, and perhaps even cheaper to boil water on the hob too (rather than the kettle that is)?????. How do I work out how much energy my gas hob uses??

TPAx

shaz_mum_of__2

Hiya weezl and everyone else

fergs is so cute , cant figure out who he looks like but he is so sweet.

Halifax finally sorted and feel like we are off the blocks just need to stay out the shops now!!

Doing ok so far since las monday all i have bought is 6 pints milk and a 3m piece of worktop...........hubby is building me a new desk so i have more space to work and stop putting books all over the floor .........and hurting myself picking them up again!!(for those that don't know me i have spondylosis a kind of trapped nerve in my neck/shoulder back which hurts like hell............but the meds help)

I reckon i could go 3 months without buying any food except milk and fresh fruit so should be ok for a while in that department

I need to get a new flask so i can take soup to uni which will keep me out of the awful.......but subsisised........... canteen

got 1200 more words to write for an essay due next week, better get waffling

see you soon
Aunty Shaz

sweetserendipity

Hello weezl & all other contributers to this thread :santa2:

I'm hoping to join the MFW board in the next couple of weeks, just trying to work out where to start but this thread is a great incentive & I just wanted to say 'well done'!! :T Such a fantastic achievement, especially with a young, & growing (in more ways than one), family.

Weezl, Fergus looks such a lovely little boy, you must be so proud. Good luck with the new bump.

TPA, I've seen the Sun Jar advertised on Amazon, as far as I remember you put it on your window-sill & it soaks up the sunshine & then glows at night, presumably a bit like a solar light?? Maybe it is a solar light?! I thought about getting one, but at the time it was about £20, which I thought was a bit steep!! _pale_

Anyway, will keep reading &, I hope, putting everyone's great MFW ideas into practice.

*goes off to kick myself up the backside in the hope of getting motivated* :santa2:

weezl74

shaz_mum_of__2 wrote: »

I reckon i could go 3 months without buying any food except milk and fresh fruit so should be ok for a while in that department

:rotfl:

Well done shaz, you are always very good at stockpiling

I guess the challenge is how on earth not to be tempted and just get the milk and fruit!

Glad hubby is building a desk to save your poorly shoulders/back

TPA, piccie of a sunjar here:


it soaks up a lot of sun during the day even in these wintry months. Quite useful for my early waking and also to keep on the landing when traipsing along to see which of the babies is crying post-march! But without having a light on permanently sweetserendipity is spot on with her explanation

TPA, I'll be interested if you find a scientific answer to measuring gas consumption. the best we've done is to take a baseline reading for an hour when we make no extra demands on our gas, so no heating, and no cooking. And then compared it to an hour when the oven or heating is on. This is very inexact, so I'd be intrigued to know if anyone finds a better way!

Thank you all for the energy saving tips and for all the lovely compliments about Fergus It's great to have support in this MFW journey.

Some MFW bad news: looks like our boiler may have had it depending on whether it needs replacing or just fixing, I'm looking at losing 100-1000 pounds next month, so that reduces the op I could have made. Hey ho, pick self up, dust self down and get back on track!

weezl74

p.s shaz are you still stoozing, and does it work if you stooze into a mortgage OP and then pay the card back from regular income?

xxx

setmefree2

weezl74 wrote: »

other news, got my mortgage statement through today, and this year I have paid £36287 off the mortgage :beer:

Fantastic

Good Luck in 2010.

mumtoomany

Hi all.

Weezle I don't know if this will be any good for you but, soon to be son-in-law was telling me that a friend had bought a moniter from British Gas that does electric AND gas consumption. Dont know anything else about it, but it might be worth looking at their site.

With regard to the boiler, at least it should save you money in the long term, as a new one should be more efficient. When we changed ours the gas dropped to one fifteenth of previous! We did change from a Rayburn though (like an Aga it runs 24 hours a day) but I still miss being all cosy in the kitchen as soon as I got up.

Mumtoomany.

shaz_mum_of__2

weezl74 wrote: »

p.s shaz are you still stoozing, and does it work if you stooze into a mortgage OP and then pay the card back from regular income?

xxx

Hmmm i didn't bother getting a new 0% card in november as savings account rates combined with transfer fees make it worthless , but now you have got me thinking.if you could get a virgin/egg card that allows cash transfers to a bank i suppose it would be the same as taking out a 0% loan which saves you whatever the % is on your mortgage.

I need to ponder more and straight in my head


edited in: i suppose it is like saving up all year to make an OP but doing it in advance and saving 12 months interest on that amount

would be interested to see an example (I can't figure out what the 12 months interest saved would be ) if that is more than the transfer fee then it would be well worth the effort.

Say my mortgage is 4% for comparison reasons and i pay 5k off how much will i save on interset payments on that 5K ? assuming a year for repayment of 0%CC