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Lucifa's (Ac)counting the pennies DFW diary
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Can you maybe consider changing banks?
Great news om ta ta to loan
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Can you maybe consider changing banks?
Great news om ta ta to loan
Really not sure where else I would get a £1400 OD from tbh. I will just use my Santander one every month to transfer it across. Actually thinking anbout it I could just pay the charges every month and save the amount needed to clear it. There's no benefit in reduced interest cost in clearing it piecemeal.. ... Hmmm Whereas I would earn a wee bit of interest in my ISA if I stacked thatup instead...
What do you think?26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%SPC 2019 #073
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Thats sounds ok.
For me TBH I have found my OD really hard to totally get rid.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
*Creaks open door and near chokes as a ton of dust blows in my face*
Hello? Anyone around? Gosh it has been a while...26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%SPC 2019 #073
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Hi Lucifa,
Welcome back
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Feels a bit weird to read back my posts! I need to update my signature but fair to say I am in a much better place financially. I've just got a bit 'spendy' recently and thought this would be a good place to come and regain control!26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%SPC 2019 #073
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Have to say I'm not quite sure what brought me back here after such a loooooong absence...
Life is pretty good chez Luc. Hubbles and I are both in good jobs that are relatively secure. We finally managed to save the deposit on a lovely family home. Our 2 boys (8 and 5 now - weird to think neither of them existed when I first found MSE) are thriving in their new school and life is pretty hectic.
It will be good to tap back in to the tips and tricks on here that help make the money go further. Pity it can't help create more time to do things! I do need to revisit our current account provider, it will soon be time to change utility company and in another 7 months it will be time to look at re-mortgaging as our fixed rate period will be coming to an end. Hopefully with 15% equity we can get a decent deal!
It will me nice to see new faces and old so please pop in and say hello! I don't bite! Well not without permission!26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%SPC 2019 #073
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Hello... thought I would pop in
I have Ale and cakes n stuff to share so feel free to visit me anytimeBUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Hello there! I was actually reading your diary (I got to #398) and I am mightily impressed with your outlook on life. I will be reading the rest tonight no doubt.26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%SPC 2019 #073
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Thanks
Have just read through yours too
BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0
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