The Ultimate Incentive to have an amazing 2010.

Cinny91

Tete_en_l'Air wrote: »

Good news about your stamp duty Dinah, is it effective from now?

Effective from midnight I think! I could be wrong though, some parts of the budget go completely over my head! (I say some, I mean most. Don't have the attention span to read it properly )

Poolie - That's odd about DooYoo! Might be worth emailing them?

Tete_en_l'Air

Nor me Cinny but I think that's because as a young childless working person who drinks alcohol and drives a car (not together obviously!), things are only ever getting worse so I don't want to know!

Poolie you've dropped off my friends list have you been suspended for something?

I don't know if it's worth doing that many reviews in a day though Lulu, I certainly couldn't be bothered rating 20 reviews for each person on my friends list and would only maybe do one or two of them, so surely they get fewer rates-per-review?

dippykitty

Just rated your review Lulu. Those people who write 20 reviews a day clearly have no job and probably no life either! It's just not possible otherwise :eek:

Cinny91

Tete_en_l'Air wrote: »

who drinks alcohol and drives a car (not together obviously!)

:whistle:

Maybe the 20 review people have one of those headsets where you speak into it and the computer types for you?! Saying that.. I'm not 100% sure they're real.

Poolie

Very odd with DooYoo as I have not been in my account for the last 2/3 days so don't know what they are playing at.

dippykitty

Poolie - I did a seach for you on DY and you didn't come up. You're also not on my COF anymore so it looks like you're another victim of DY's cracking down policy? This is getting a bit ridiculous now if they're just randomly blocking accounts without any prior notice. Whatever happened to giving people an opportunity to change any supposedly sub-standard reviews?!

Dinah93

They seem to have axed that too - they don't even bother replying to my emails anymore!

Poolie

Well at least I wasn't near the payout level so they can go stick themselves down the nearest drain.

Better mark me off the challenge.

Dinah93

Money update (because its payday) Usual £1450 to savings has been partially sent (£500 still to go when NIMs wages arrive tomorrow or monday), so for the next 24 hours my target is slightly down as I sent £600 over to NIMs ISA to finish filling it. When the other £500 arrives everything I currently have in the rubbish % HSBC instant access saver will be sent to my ISA, should be about £1500, can't put more than £1900 in it anyway as I had some money in earlier in the year and withdrew it to pay the wedding deposit. Would have been nice to get the last £300 but never mind, can't win them all.

Had some good news off the wedding venue too, they don't really care when we pay them! So long as its before the wedding they're happy, so we can keep the money in the ISAs/savers for longer.

I don't know if I updated but we heard from NIMs dad. He has said he will give us e25,000 - about £22,000. With yesterdays abolision of stamp duty that means all we still have to save for the move is the remaining £1400 + £650 for conveyancing costs. All the wedding costs are already effectively covered with our monthy savings (right up to the wire - this even includes our 25th August savings!), so that means we need to find:
£1400 deposit
£650 conveyancing
£900 per month morgage/insurances until we move in, estimate at 5 months so £4500

TOTAL: £6550 - assuming no redecoration done. Eeek. Thats a canny ammount to save on top of our existing savings if we want to enter married life debt free. We do have £3000 space on the credit card if we need it, but in an ideal world we'd like to avoid this, as I feel so much less stressed just knowing we have no debt.

I can break down the £6550 a little, NIM is going to start matched betting this weekend, so we can hope to get £2000 from this, £500 from NIMs payrise, and maybe another £600 selling on ebay/local trading and £500 from MSing and surveys, another poss £300 from selling sofa unless we swap with mum. Hmmm, we're still very short!

My new book about setting up a cake making business from home arrived yesterday, so I intend to put some time into reading that in the next week. I am soooo determined somehow I could make money from baking!

lulu984

Well thats good news all round! Well done and congratulations on everything

Thats alot of money to find, but im pretty sure you can do it. Even if you had to put a little bit on the CC as a last resort, at least you know you'll have it paid off soon enough and if you can get a 0% card then it wouldnt be a problem.

Hows Etsy doing? Anymore sales?