Memorygirls - The Matrix Reloaded

crickett1234

Thanks for the concern folks. If she does lurk around trying to find out what I am typing and to whom, then she has waaay too much time on her hands and needs to be given more work to do!!

Today seems to be going very, very slowly! Time to listen to music and get on with that damned to do list!

See you tomorrow ladies!!

Memory_Girl

Just walked into my kitchen - and scared myself!!!!

It's looking so clean and tidy:D

Getting the afternoon droop now - relly don't think I should take DS2 off for another nap - especially as he sitting singing "Humpty Dumpty" at my feet and playing with his blocks.

Gong to have to drag the timer upstairs with me to finish this darn office. Determined to have it cleared by the time DS2 gets home.

Right 15 minutes burst here we go

MG

Memory_Girl

I've found floor :j

But lost my motivation:(

Time for a very large coffee - then a walk in the fresh air I think.

One day I will have enough energy to get through the day ............. keep taking the tablets I suppose.

MG

clairewop

Good evening

I am now sitting down eating my tea, after being up the market all day then coming home to have to clean. Dh and ds2 been home all day and the house was a pigsty.

greenbee

clairewop wrote: »

Good evening

I am now sitting down eating my tea, after being up the market all day then coming home to have to clean. Dh and ds2 been home all day and the house was a pigsty.

Sorry to hear you've had such as hard day. I think you need to make the point that you've been working all day so they need to clear up. Just ignore it and go and have a soak in the bath with a good book or a glass of wine.

Lara44

Had a bit of a down day today. The other guests from the guest house invited me out for dinner, and then left in a taxi without me Cue copious blubbing on skype to OH. I had such wonderful friends here previously, but now because I don't speak Dutch I don't fit in at all.

clairewop

I was asked what was so important that I couldn't drag myself away from the market at 12 like I said I was, If I was home on time I could have done the cleaning then.

Memory_Girl

Been talking to an accountant friend today - he is going to write to the Big Horse Bank and get them to provide me with a Statement of just how much I stilll owe them - as I have had NO correspondance beyond them taking the money every 4 weeks. Hopefully when the inevitable interest is added on it won't be too heartbreaking.

I was talking to him about paying off my mortgage. I am on an interest only deal - and am beginning to fret about how much I have to pay off. I have one of these Offset accounts which means any money I did overpay would be accessible in case of an emergency.

There are 23 years - so my figures were Principal/23years/12 months to give a monthly amount - but THAT amount is 126000/23/12 or £456. Simply too much money to even contemplate at the moment.

So he asks if I am an optomist or a pessamist? Well I like to think I am a glass half full kind of gal.

So your financial position is going to get better?

Yes - when the guarantee is paid I will be about £270 per month better off.

So if you start paying a little now - and increase by 10% every year, would that make it more "Affordable"

Define "affordable"? (I'm still cringing at the £456 figure)

£130 per month for 12 months then £143 per month for the next 12- increase by 10% every year - how does that sound?

Miles better than £456 per month - but will that pay it off in time?

So he creates me a spreadsheet - and it does.:T

"And remember" he says "£100 in 23 years time won't buy you what £100 now will"

So now I know I need to pay £130 in every month for the next 12 to be "on target" to pay off my mortgage. Of course if I manage to pay more then I can move my MFD forward from 23 years.

Thats on top of keeping up with the interest payments of course.

So I now have a plan:j But like he says I need to take action on it. So tonight I transferred £50 just to show willing.

Its a long way away - but there is a little flicker of light at the end of the tunnel.

I wonder if theres a table somewhere that shows what £100 today would be worth in 23 years??

Memorygirl

Mrs_Hicks

Oh Lara, hope you are ok. It will just take time maybe? xx

Memory_Girl

clairewop wrote: »

I was asked what was so important that I couldn't drag myself away from the market at 12 like I said I was, If I was home on time I could have done the cleaning then.

!!!!!!?????????? I am utterly gobsmacked!!!!!!!!!!!! Going off to calm down for a while.

MG