gratefulforhelp's austerity measures

gratefulforhelp_2

Sounds like my house, Lois.

gratefulforhelp_2

Puppy T rolled in cowsh, so she has had her first bath and go in her dry dog bag.

We suddenly realised we would have an odd chimney pot so rushed off to get one to match the others.

Dropped in to a corner type shop to find a husky dog sitting behind the till, for all the world like she worked there.

Spendy day, but chimney pot was 40% off.

gratefulforhelp_2

Another busy day, yet more work needed on my car - in the shop again tomorrow. Booked it in and various medical appointments.

Hatching a (long term) plan to open up two more fireplaces. Re-jigged our term to reduce by 2 months, so overpaying by £11 a month from Aug.

Brodiebobs

gratefulforhelp wrote: »

Puppy T rolled in cowsh, so she has had her first bath and go in her dry dog bag.

We suddenly realised we would have an odd chimney pot so rushed off to get one to match the others.

Dropped in to a corner type shop to find a husky dog sitting behind the till, for all the world like she worked there.

Spendy day, but chimney pot was 40% off.

whats a dry dog bag?

gratefulforhelp_2

It's like a towelling bathrobe for dogs, with a zip up the back, you stick them on it and do the zip up, and they dry in there instead of all over the furniture.

A great thing.

eta http://www.dognests.co.uk/DDT_Show_Entry_1G_eComm1Products1.asp?GalleryName=dry_dog_bags&EntryID=1056&ImageSeqNo=1

I didn't pay this much, and mine was inherited from my Aunt's dog!

Secret_Saving_Squirrel

Re the husky dog, I once went into a very quiet country pub and was poured a half pint of lager by a six year old, who also knew how to work the till.

I real he joy these quirky moments.

Squirrel

gratefulforhelp_2

Secret_Saving_Squirrel wrote: »

Re the husky dog, I once went into a very quiet country pub and was poured a half pint of lager by a six year old, who also knew how to work the till.

Cute.

Well prompted by cath and lois we have applied to remortgage at 3.49% fixed for 5 years.

Watch this space...mortgage amount will increase (exit fees) but monthly payment drops £100, and term reduces by a year to 16 years.

The £100 saved will go in AVCs, depending on what the Government does to eff up our pensions.

originalmiscellany

Well done grateful - sounds like you're getting a bargain really! Great fixed deal, incredible to think a year ago that they would ever go below 4%.

Lower interest rates and a shorter time frame sounds like a winner. Are you allowed to overpay 10% a year too, assuming you can keep to your MS ways?!

CathT

That's a really good fixed rate. I would be happy with a rate similar to that when we come out of our tracker deal in April. We are currently on base rate+2.69% but would like the peace of mind from a fixed rate especially if it meant we could reduce our term. I think our OP's have secured us a <75% LTV, possibly a 70% by April.

Hope you're having a quieter day today with no sewing etc!

gratefulforhelp_2

originalmiscellany wrote: »

Well done grateful - sounds like you're getting a bargain really! Great fixed deal, incredible to think a year ago that they would ever go below 4%.

Lower interest rates and a shorter time frame sounds like a winner. Are you allowed to overpay 10% a year too, assuming you can keep to your MS ways?!

Yes they allow 10% overpayments. It is a very good rate, but of course they sting you a bit on the fees so no free lunch!

CathT wrote: »

That's a really good fixed rate. I would be happy with a rate similar to that when we come out of our tracker deal in April. We are currently on base rate+2.69% but would like the peace of mind from a fixed rate especially if it meant we could reduce our term. I think our OP's have secured us a <75% LTV, possibly a 70% by April.

Hope you're having a quieter day today with no sewing etc!

No sewing, manically making medical appointments, applying for mortgage, ringing up about my pension as they had ignored my email, washing, dogwalking and just had a lovely chat to a lady in a toy shop in Virginia, my friend's little boy has a birthday on Friday and I am never organised enough to post presents, plus they take weeks to get there.

eta gratitude for today

1, Our roofer and stonemason-!!!-fixer-upper - these guys are working sooo hard.
2. Baby T, he is joy in a babygrow.
3. A stunning day here, honeysuckle smells so good in the hedgerows.