2011 mfw

cake21

Spiggle wrote: »

Apologies from me too!

Dechrauais i dysgu'r iaith ym 1995. Felly, dwi ddim yn dechreuwr ond nid yn rhugl chwaith. Wi'n chwerthin iawn achos does neb yn siarad yr iaith yn dy gweith di! :rotfl:

Pryd o'ch chi'n dechrau dysgu? Dych chi'n 'sgrifennu yn iawn. Dwi ddim yn credu eich bod chi yn dechreuwr chwaith.

Mae'n rhaid imi fynd nawr, felly cymryd gofal a welai di nes ymlaen,
Spigs

Diolch! Dw i'n dysgu ers mis Medi diwetha OND pedwar awr yr wythnos :eek: Cam nesa: dw i'n mynd i bersuadio y pobl yn y gwaith i ddysgu cymraeg hefyd Aethoch chi i'r Eisteddfod genedlaethol eleni (2010)? Roedd hi'n ffantastig am ymarfer siarad.
[Thanks! I've been learning since last September BUT four hours a week :eek: Next step: I'm going to persuade my work colleagues to learn Welsh too Did you go to the national Eisteddfod this year (2010)? It was great for practicing speaking]

pavlovs_dog wrote: »

dwi'n siarad iaith y nefoedd hefyd

Do'n i ddim yn gwybod beth yw "y nefoedd" Diolch am ddysgu rhybeth newid i fi
[I didn't know what "the heavens" meant Thanks for teaching me something new ]

cake21

financialbliss wrote: »

Rolls sleeves up…

As I’ve subscribed to this 2011 MFW challenge and I’ve yet to set an objective, I better get one in ASAP, considering I made an overpayment today!

I suspect I’m like many others in that you have a year end mortgage value you would like to attain and plan overpayments accordingly. But, I’m finding 2011 very difficult to plan. <snip>

All my targets assume that there won't be any interest rate rises...is anyone else factoring these in?

My aim if I do think about it is that any interest rises will just jolly well have to be compensated for by being more frugal, but then I think maybe I should be more frugal now then if it is possible, but then I think oh but I want to enjoy my payrise! Am I overthinking? Cheating? Other??

curlygirl1971

cake21 wrote: »

I don't know enough to say anything interesting, but I'll bi-lingual my posts so you can also see how limited my expressions are :rotfl:

As some one who is sadly uni-lingual, I think you are fab. Keep up the good work. The only welsh I know is 'araf' (slow) 'cause they paint it all over the roads

curlygirl1971

cake21 wrote: »

All my targets assume that there won't be any interest rate rises...is anyone else factoring these in?
?

Yes but I really am quite @n@l. I have a mortgage spreadsheet which is both a record and a forecast. I've slipped in some interest rate increases into the next few years - gradual rises until the BOE hits around 8%. but it's all really wild guess work and hoping that any rises will be lower and later than my forecast. My mortgage is now only £36k so there is less of an impact for me - but still wanted to build it in to my plan

curlygirl1971

It is Welsh you're speaking, right?

gallygirl

cake21 wrote: »

Dim 'to, mae rhaid bod eich mortgage provider yn gallu rhoi y sort code ac rhif account i chi. Roedd y Cooperative yn gorfod gwneud yr un peth gyda fi, ac nawr dw i'n gallu talu ar-lein :j
[Not yet, your mortgage provider should be able to give you the sort code and account number. The Cooperative had to the same thing with me and now I can pay online :j]

Mortgage provider. Cooperative. Oooohhhh, that's 3 Welsh words I've learnt already, maybe I'd be a natural .

cake21 wrote: »

All my targets assume that there won't be any interest rate rises...is anyone else factoring these in?

My aim if I do think about it is that any interest rises will just jolly well have to be compensated for by being more frugal, but then I think maybe I should be more frugal now then if it is possible, but then I think oh but I want to enjoy my payrise! Am I overthinking? Cheating? Other??

I'm factoring them in, but in a 'I know they will happen but I refuse to think about it till I'm forced to' way .

turbo5019

Morning all.
Another £71.02 OP today. I decided every time I get tax credit, childerns pocket money (I know that sounds nasty taken money from them but the are 2 and 4 year old and want for nothing) pay it straight off.

blizeH

Sorry cake, didn't realise I was already on the list at number 205 so resubmitted!

£1,000 paid today - nice way to kick start the new year! My first payment in a few months but hopefully can start overpaying regular/smaller amounts from now on... house is all 100% sorted now, so I shouldn't need to spend any more big amounts on furnishings or electricals etc

cake21

curlygirl1971 wrote: »

Yes but I really am quite @n@l. I have a mortgage spreadsheet which is both a record and a forecast. I've slipped in some interest rate increases into the next few years - gradual rises until the BOE hits around 8%. but it's all really wild guess work and hoping that any rises will be lower and later than my forecast. My mortgage is now only £36k so there is less of an impact for me - but still wanted to build it in to my plan

gallygirl wrote: »

I'm factoring them in, but in a 'I know they will happen but I refuse to think about it till I'm forced to' way .

Oh dear, I am cheating. My spreadsheet is also both a record and a forecast but I'm not forecasting any increases because I didn't like the way my MFD got further way... 8% doesn't seem outlandish to me. Luckily (luck because my current provider would let me switch and no-one else wanted my negative equity ) I'm on a capped tracker so BOE rate increases will only affect me up to 2.5%. Fingers and toes crossed I am really really hoping to be MF by the time the product runs out - that's the first time I've told anyone that!

gallygirl wrote: »

Mortgage provider. Cooperative. Oooohhhh, that's 3 Welsh words I've learnt already, maybe I'd be a natural

:rotfl:

curlygirl1971 wrote: »

As some one who is sadly uni-lingual, I think you are fab. Keep up the good work. The only welsh I know is 'araf' (slow) 'cause they paint it all over the roads

My second welsh phrase was "Dim Parcio" (no parking)

curlygirl1971

cake21 wrote: »

curlygirl (still see green curls and smile when I see you )

On the savings front....Can you associate the two balances in your own spreadsheet for that reducing balance feeling..?

Only when my hair colour goes wrong Wierdly you are a very pretty slab of pale pink sponge cake with white icing when I see you.

Okay - so Mortgage Spreadsheet now also shows Savings balance and then net adjustment as a fake kind of offset. Not sure it's had the desired effect as now I'm gazing at it thinking 'My Savings aren't enoughhhhhhhhh' (in a whiney voice). Some people are NEVER happy

But thanks for the suggestions (What's Welsh for Thank-you?)