TPA – 3rd Year MFW -More Challenges, Failures and Possibly some Successes!

Tesco_points_addict

Is Mirena the coil? I would not have that done! I hyperventalate at smear tests so there is no way I could have that!

Sorry no diet coke break men today:(

I am being so lazy on my day, still have my PJs on, even went to the shop in them:eek:(did have a coat on:o)

Got a letter from our current ISA provider saying the rate has dropped to 0.5% which in real terms means they are costing us money as the mortgage rate is 1.09%, am seriously considering just paying this money straight off the mortgage, even if we transfer the money the rates are pretty pants, we already account for the savings minus the mortgage when working out the end of month figures but it seems silly to have these accounts paying very little. I know Martin always says we should have ISAs but to be honest I don't see the advantage at the moment.

We do have another ISA acoount that is paying 2.5% so will keep that for emergency funds......hmm all these decisions are difficult!

Someone help me!!

TPAx

DansMum_2

Its not so bad TPA, I'm just a wimp

Shame on you in your PJ's!!!:eek: (I am jealous though )

I've transferred my ISA to Halifax @ 3.3% not wonderful, but better than the paltry 0.5% I was getting with the post office...

Tesco_points_addict

DansMum wrote: »

Its not so bad TPA, I'm just a wimp

Shame on you in your PJ's!!!:eek: (I am jealous though )

I've transferred my ISA to Halifax @ 3.3% not wonderful, but better than the paltry 0.5% I was getting with the post office...

Bet I'm a bigger wimp than you are! I did see the Halifax were taking transfers in.....i'm still undecided though, if interest rates go up my mortgage is effected immediatly where as the savings interest always seems to take months to follow suit.

TPAx

PS I haven't brushed my hair or teeth either:eek::eek::eek:

SmlSave

PS I haven't brushed my hair or teeth either

Ewwwwwwwwwwwwwwwwww!!!!!!!!!!!!

Tesco_points_addict

SmlSave wrote: »

PS I haven't brushed my hair or teeth either

Ewwwwwwwwwwwwwwwwww!!!!!!!!!!!!

SML, when I first read that I thought you hadn't done them either!

TPA
PS they are done now, although I'm still in PJ attire!

Radish72

I need to swap my ISA to, thinking of the Halifax one as you can do a balance transfer

But will this still be available after April 5th or do you have to transfer before the end of the tax year, then would I lose the interest from this tax year on my current ISA, its a piddly amount but it at least something

I'm hijacking TPA thread as I cant be bothered to ring the banks

PJ day are just the best I'm so jealous

Tesco_points_addict

Just done the maths for the end of month (I know a day early..but we forgot last month!)

Remaining mortgage minus the savings = £16,888.25:j

We must buy a new fence for the garden soon though, I seem to remember saying this last year......however IT MUST BE done soon, before we start sharing next doors garden!:rotfl:

TPAx

katsu

I don't understand ISAs either - I have an ISA this year which is going to drop to 0.5% interest, so how do I put this money into a new ISA for next year and have an isa to save into - do I have one ISA that does both or two ISAs?

Mirenas are the most amazing thing - one uncomfy afternoon every 5 years - well worth it

Tesco_points_addict

katsu wrote: »

I don't understand ISAs either - I have an ISA this year which is going to drop to 0.5% interest, so how do I put this money into a new ISA for next year and have an isa to save into - do I have one ISA that does both or two ISAs?

Mirenas are the most amazing thing - one uncomfy afternoon every 5 years - well worth it

Katsu
the money from your previous ISA does not count as new money from April, you need to open an account that allows transfers in, you then give them all your information and they will arrange the withdrawel from one account to another - do not withdraw yourself or you lose the benefits! You can have different ISA providers but only one per year .... I think! HTH

Just to let you know

• I am dresses
• Hair is brushed
• Teeth are brushed

bullet points for GG

TPA

(but then I am in work:rotfl:)

Dinah93

TPA, I wouldn't worry about the 'new' implanon, they just made it smaller and slightly rebalanced the hormones, still works the same way. I'm jelous of it stopping your TOTM all together, it makes mine worse! Getting mine taken out soon, I have no idea what method to go onto.

Just my two cents, given most economists seem to think interest rates are going to rise soon for my money I'd be paying off the morgage rather than having it in savings, if you have a few weeks delay after the rate rises that could well and truely cancel out any small interest gains now.