Pay off mortgage and start having fun!

CathT

newgirly wrote: »

I thought it was more a sign Eric was cross that I was thinking about selling him

He sounds far too temperamental!

newgirly

The hudl was bought in feb this year

Im finished at work until monday now :j

The plan is :

Go out with best friend for lunch fri (from personal spends
Get mini booked in
Clean whole house
Washing/ironing/change beds
Put curtain rail up in dining room and hang curtains again
Update op figures
Meal plan and shop for whats needed
Sell something
Attempt to get the boys out of the house and away from xboxes

Pushkin

My DS's play station broke today! He is bereft but I'm thinking this might be the making of him and he might actually come through the other side and appreciate how much time it sucks up. If it can't be repaired its a long way til Christmas!

newgirly

Oh dear poor him , and you too to be honest :rotfl: thats five whole months of nagging though :eek: i love your optimism, sadly at 15 ithink im too late to wean mine off! Best of luck pushkin

Alchemilla

Cut the plugs off.

newgirly

:eek: wash your mouth out :rotfl:

To be honest when they were younger i did used to remove them quite often. Now they are older i let them regulate themselves (in the holidays) sometimes they are glued to them, somtimes i come home and they are arguing over monopoly

debtfreeoneday

It's a toughie isn't it, screen time - my two don't use them and I feel like they should because of how teccy the world is these days, I feel like it's a slippery slope if I start on it, they'll be gone (so dramatic)!!

newgirly

You are so right, mine didn't have them until they were older than their peers and could only play less violent games. At 15 though its now different, its how lots of them socialise with each other, how old are your two?

newgirly

A quiet afternoon, dd is herway home and has an interview at another theatre (the furthest one she has been at are being very difficult,expecting her there every day and night :mad:) this one is nearer our side of london and is quite a new concept type place - fingers crossed!

Anyway, ive had a look on some mortgage calculators as our bs recently turned us down on affordability to extend the terms. They did say they would take dhs wages in to account even though he is sole shareholder of the company (that has been making a loss) but we still failed affordability.

I went on our bs calculator and they will lend up to £55,500 k even if we clear our 0% ccs (£7800) however putting the same figures into the nw site (with dh as a director with more than 20% holding) we can borrow up to £132,700. In both cases i have included the 35k loan we have too.

Now im thinking would it be more prudent to clear the ccs in time for when our deal ends in july 2016, we could also potentialy get the mortgage balance down from £136,500 to £125,300. There are clearly no guarantees but im shocked at the fact such a relatively small balance on the cards makes a big difference . nw would go up to £102,900 with the cc balances still unpaid. Both situations way above what chelsea would offer.

Its opposite to my plan to just pay the mortgage , but i think it may be worth a shot ?

newgirly

Being the impatient person i am , ive done an application in principle with nw to see if we would pass , we did'nt! Another idea bites the dust , stick with the origional plan i guess