A Payment A Day - Part 8!

Greenbynature

Paulgonnabedebtfree wrote: »

I'm not doing it again either. I tried it once but got my head stuck.

As for the mortgage, it sounds like you are with a company that allowed themself a get out clause if exceptional circumstances arose. I haven't looked at the fine print on my deal but if there is such a clause, they haven't yet implemented it. 3 monthly LIBOR was around 0.65% on the last working day of February. That dictates the rate I pay on 1st April, 1st May, and 1st June (it's charged from 1st March but obviously there wouldn't be enough time to reset it). It does guarantee the lender a margin because presumably they borrow at the quarterly LIBOR rate and tack 2% on before they charge me.

When you are able to, maybe look around for a better mortgage and tell your current lender why your leaving. If you are in a tied-in period, maybe discuss the fact that as they have upped the rate due to exceptional circumstances, then you can walk away without penalty if you can get a better deal. I don't know the legality of it but it may be worth looking at.

Thanks Paul
There was a thread on the mortgage forum about the one account when the interest rate first started to plummet! There was loads of people complaining cos they took ages to reduce the interest rate!!And then they didn't drop it as much as they should have. Many people left but unfortunately cos I've got bad credit history I'm stuck with it! My payments are worked out monthly so Feb I paid £216 and then this month I'm paying £251 - figure that one out!? Interest rate hasn't changed and I have the same money more or less in the account every month so don't know why its so different every month!

Greenbynature

Morning all

Much better total for yesterday :T:T and thanks comp for the totting up :T:T

Some of my tomato and coriander seeds have sprouted :j this is the first year I've tried to grow anything so am a bit excited :rotfl: They're all on my kitchen windowsill at the moment cos its still frosty here on a morning and I haven't got round to putting my mini greenhouse up yet!

I don't trust Millie - she's taking too much of an interest in my plants for my liking!! She completely uprooted one of my clematis' yesterday when I was out tidying the patio area up ready for the greenhouse to go on to. She ran off up the garden with the plant swinging from her mouth!:mad: Needless to say by the time I got it off her it was shredded!!!!! I have quite a collection of clematis - my fave plants! and most of them are in pots!

Pad today is £3 OH, £34 kays and £2 cap1 cc

£39

girlatplay

£1 yesterday, £1 today so that's £2 for me please.

Flower08

Greenbynature wrote: »

I don't trust Millie - she's taking too much of an interest in my plants for my liking!! She completely uprooted one of my clematis' yesterday when I was out tidying the patio area up ready for the greenhouse to go on to. She ran off up the garden with the plant swinging from her mouth!:mad:

I shouldnt laugh but i just have an image of her running up the garden with a plant hanging out her mouth, you chasing behind :rotfl:

true27

62p for me today please COMP xx

mrsinvisible

£43 to MBNA WWF card. £500 to go( hope to do it by end of month ) we shall see

kellz01

£2.07 to my overdraft today please Clearing

maeeve

£3.88 for me today please too cap1

Wesker

£2 for me today please

gilligansyle

Evening all

have been out for a lovely walk in the sunshine with my brother today, so feeling good.

PaD is £4 to the change pot please COMP - cracking total for yesterday folks!

Have an interview tomorrow for a temporary job. Money not what I'm used to, but better than I'm getting at the moment.