Thats another fine mess I got myself into

REDMADCURLS

niccatw wrote: »

Bl**dy h*ll RMC.. I got way behind on my diariy reading and the last I looked, you'd only just started! Look at you go now!

Well done, wobbles and all! I don't have an OH so I can only shout at myself. And berate my friend's for silly spending! I think they're sick me saying "On MSE..." or "did you know you could get that cheaper..." or "that interest is way too high, have you tried..."

I see their eyes gaze over and realise it's just us lot. Thankfully my diary get's the brunt of it .

Keep up the good work!

Ta Ta Sweetie - it feels like I have been at this for an age and another 2 million years to go because I, unlike so many other, could not bear to look at my snowball - I would find it too depressing to know that this wont be done for a LLLLLLLLLLOOOOOOOONNNNNNNNGGGGGGGGGGGGG while - I have no patience!

moo2moo

Its pants isn't it. We overpayed by £700 last month and the difference in interest between this month and last is 73p. Bleugh. Once you get to the halfway mark it seems to go down ridiculously quickly but hitting that point is awfully hard.

Whilst I can understand why you want your fag money in a tin I'd also be tempted to throw it at Richard as thats another £70 that he can't charge you interest on. Making your £70 worth more like £90 in your pocket at the end of the year.

REDMADCURLS

That £70 is hidden for the car insurance which I think is due soon but yes I have thought - throw every spare penny at Richardo ASAP

Woowoo

I don't know how Richard sleeps at night knowing how much money he screws people over for - I guess it's easy to distance yourself from it tucked away on your own private island!

InaPickle

REDMADCURLS wrote: »

Ta Ta Sweetie - it feels like I have been at this for an age and another 2 million years to go because I, unlike so many other, could not bear to look at my snowball - I would find it too depressing to know that this wont be done for a LLLLLLLLLLOOOOOOOONNNNNNNNGGGGGGGGGGGGG while - I have no patience!

To be fair it is a bit depressing, but what is very, very un-depressing is when you keep the original, program in all your overpayments and see how much less time it will take to pay it all off. That's really motivating. I would recommend. x

REDMADCURLS

Fags smoked - zero

Money spent - £1.88 stamps for ebay, 45p for crisps cuz I was starving

Still thinking about only paying interest on mortgage for a while - any thoughts?

BEAT_THE_DEBT

Hi Red i extended the term on my mortgage to make it cheaper?xx

REDMADCURLS

OH did you, not an option open to us, its at 20 years now - due to me being a mature student didn't start this one until 5 years ago and of course can't extend it cuz then I would be working til I am 80 to pay it!!

Herewego

Im liking the new signature, i was thinking of doing the same as it gets me down every time I look at each debt.
As for the mortgage I didnt pay anything for the valuation or set up fee, ring and ask I found mine very helpful and came up with several options

REDMADCURLS

I am off next week and I will call them then when I have time to work out what benefit it could be.

LOL when I rang in January due to end of fixed rate, they offered me zero options due to the supposed loan to value rate - so we will see if they even are willing to consider interest only!

I couldn't fit all debts on signature So thought I would just stick with richardo and as soon as we get statements I will up total o/s at end of march!

I am STARVING!!!!!!!!!!!!