Pay off mortgage and start having fun!

never_too_old

Have a great time and lets hope we dont get any snow this winter:eek:
x

CathT

Have a lovely weekend.

Sepa74

Ask them if you can set up additional offset accounts. I have 5 (!) and would love more, but can't be bothered asking if I could set more up - 5 does for me.

Two current accounts (one for day to day expenses and the 'tother for flat related bills incl council tax, mortgage payments etc)

Three savings accounts - one to save for flat repairs / maintenance (keeping it separate from the bills so I am more disciplined), one to save for holidays, and the third is currently being used to park the drawings from my business - I transfer a set amount into the day to day current account each month so I don't accidentally over spend.

It's worth asking for extra accounts - as they say, if you don't ask you don't get!

pammyj74

Hope you have a lovely weekend, the sun has been out today but it still so bitterly cold. Hasnt stopped me putting the washing out lol. (in november!! lol)

newgirly

Thanks for the good wishes, we did have a good weekend thanks, a few expensive meals out but dh paid for most of it. The xmas market was literally 3x the size it was last year and the whole town was packed. I had thought of trying to do craft stall next year but most things are already being sold there. I do have one idea from one of the threads on here that I made last year, I will have to do some research on costs.

I need to get a bit organised for xmas, I would like to put the decs up next week. I was hoping for a real tree but dh thinks it will be around £50 ish which is too much. I might have a look around this week to see if I can get an idea of prices, I do however have a rather large stash of fake trees in the loft which I should be using.
Out of interest do any of you mfw's have a real tree or is it more mse to re-use the same fake one every year?

CathT

I used our double up Mr T points last year to buy a gorgeous new artificial tree, I just didn't expect it to be in so many pieces!

yukkibear

We have an artificial. Every year when we get it out we say "We'll get a new one next year" and we're on it's 5th year now. It's perfectly adequate to be fair so I'm not going to waste the money.

Peonie

We had a real tree for years but I'm glad we have a fake one, we bought a good one in the sales for half price for about £75. Even if you bought a fake tree before Christmas it would pay for itself in 3 years, and that's MSE.

newgirly

Well we decided on fake, so I made dh go up in the loft and bring it all down to go through which he did'nt as when we got to six trees down he refused to bring more!:o

So a couple of small ones in the kids rooms, a white one in the hall, a 6ft one in the conservatory and a 7ft one in the living room.:rotfl:

Dh thinks I'm mad but the kids love it. I am going multicoloured on the big tree and have 300 coloured lights but no adapter , so I have just been to the diy store and bought new, I was a bit mse and took back some leftover bathroom tiles though so they were free.

I don't think I better have them on all the time as the elec bill will be sky high with that lot on.

never_too_old

That sounds like my loft with the Christmas trees.Dont get me wrong i love Christmas but my tree wont be going up for a few weeks if i have my way.DD2 is putting one up in her bedroom this weekend but like you im conscious of the electric bill:eek:

I also get completely fed up of the tree after Christmas it always looks so baron once the presents have gone, so i normally take mine down the day after Boxing Day, im a real bah humbug arent i:rotfl:

Have fun decorating all yours:D