I STILL want to be mortgage free - 2011!

twinklie

Right updates are all done, so sig now displays what I owe the world. The 0% has run out on the Tesco card though so it was £50 in interest last month! :eek: I've paid an extra £300 off now to get it down to £357...but can't pay anymore off really.

Technically I could but I'll be in my overdraft then...hmmm...it would be cheaper to be in my OD. Is it better to be in OD by the end of the month and lose the credit card, or to keep paying interest and stay out of OD? Financially going into OD would make more sense. OD doesn't count negatively against you does it (as long as it's an agreed one)?

DH has been told he'll be moving nights on his DJing job, to every other Thursday!!! Not really brilliant as far as we are concerned. Hmmm....

gratefulforhelp_2

No chance of a 0% balance transfer??

twinklie

That would mean ANOTHER CC and to be honest...I think we've had one with just about everyone now...lol. I'm thinking I might just pay the !!!!!! off.

Also got a letter from the docs...they want me to make an appointment to discuss my CT scan results. Well it's taken long enough. I'm glad these new docs are chasing everything up though. I figured they'd just send me a letter saying all is well - I'm a bit surprised they want to discuss things to be honest.

EDIT: Bit the bullet and paid it off.

twinklie

2011
Mortgage at start of January: £36,429.83
Overpayments in Blue.
Interest in Red.
Balance in Green.

Month: Payment (Std / OP) / Interest (per day) / Net reduction / Balance

January: 450.00 (328.81 / 121.19) / £163.63 (£5.28) / £286.37 / £36,143.46
February: 450.00 (328.81 / 121.19) / £162.34 (£5.80) / £287.66 / £35,855.80
March: 450.00 (328.81 / 121.19) / £161.05 (£5.20) / £288.95 / £35,566.86

Totals: Payment / Interest / Net reduction.
Grand Total: 1350.00/ 487.02 / 862.98

Balance outstanding: £35,566.86

twinklie

Oh and another piece of news...DH has been told he's losing his Friday nights as well - last night was his last one. Grrr...so how do I make more money?? I'm confused.

twinklie

My school laptop now has 38 viruses and worms...so I am only able to get on here using my phone for now...its rather depressing. Sob sob.

SeriouslySeekingtoSave

That is seriously bad!!! 38? How the heck did it get that many. Does it not have a virus checker? Is it out of date? They free and able to be updated daily if you choose the right one. With my (free) virus checker and other sundry's nothing gets past (fingers crossed). You just have to be wary of anybody bringing something past the guards by usingan infected USB stick or similar.

twinklie

Well the bloomin ICT company (it's an external one) have been messing with the anti virus stuff and messed it all up. So I'm not the first to go down in the last week. Basically it's expired and they are still debating what to use, we aren't allowed to install anything...we have no admin rights and have been told we'll be in trouble if we do. Sooooo...I now have no laptop next week!! ARGH!

I've been productive this morning financially. Sorted out a new credit card with 0% deal to take over my HSBC one which runs out after next month. And I've applied for the info to sort my ISA out for the next tax year...looks like Nationwide for me at the minute (3.10%). But I'll see if anything else pops up in the meantime.

twinklie

Looks like I'm on the great job hunt again....fuel is just getting too expensive. I don't want to swap schools.

twinklie

I just found out I passed my last MA module...my dissertation proposal. Grrr. It means I have to do my dissertation now. I'm proper gutted. Ha ha. Doh! Still at least it should all be over in the next 6 months then.