100 months to turn the money situation round

hypno06

elantan wrote: »

erm not yet no .... but it will be befor i go out the door ... honest guv

Not good enough!!! You should do it first thing, just in case someone ravishing comes to the door!!!

Remember what flylady says about being "company ready".....well, that doesn't just apply to your sink being shiny you know :rotfl:

elantan

oh dear smacked by hypno lol .... hair duly brushed and tied up so that it looks tidy atleast ...

elantan

well more garlic have popped up to say hello and...AND ... a wee snow drop flowered ... my first flower of the year ... lovely .... did a bit of weeding but not too much as it bores me lol .. tidied up a bit where on earth does all the rubish come from i filled two bags the other day and another today ...

my seeds arrived to i need to sort them out and i planted some carrots and some radishes ... i'm having to be careful what i plant just now as we are going away for 3 weeks later on in the year and will have no one to water the plants or check for diseases ... last year som watered them but didnt check for anything and by the time we got home we had been infested with saw fly aphids etc ...

hubby has cleaned the windows and not felt dizzy so far ... but he did pass the comment that he is doing them as fast as he can so that he can sit on the verandah with his book and a lager ... that kinda worries me a bit .. he had a pint on saturday night and another today ... i know a pint isnt much and there is something enjoyable about having a pint in the sun ... and i understand he is not giving up drinking just trying to get control of it ... but i think i will always have that worry in the back of my head ... that "what if" worry ...

patience el patience

boredofbeingathome

Patience is a virtue young El

elantan

I'm watching BBC 1 just now and just saw 15/16 year olds doing gcse work which was exactly ( with the exception of we used straws) the same as what my second year at Uni class did.... It's no wonder I hated Uni I tell ya

elantan

So it's day one of this new plan ..... I think I might forward my savings into another account just now ready for opening up a long term I.s.a next month .... And I also fancy sneaking a wee £5 into a debt account somehow .... Purely so that I can say I owe less than £60k you understand lol

elantan

well i did it ... i paid £5 off of the mortgage ... ok that isnt even the amount i pay per day in interest ... but it is £5 less ... my mortgage is currently sitting at £45,999.71 ... and i put £50 into a seperate account towards savings ... it will only be in that account for this month and a wee bit of next month as i really want to get it into a long term saving i.s.a i think i will be doing the half and half ... half in cash half in shares idea ... but i think i will need to save for a good wee while before i buy shares

i'm just trying to decide if i should use the money saved as a kinda offset amount for the debt? it does complicate things slightly but it also gives a truer account of what i'm doing with the money ... and if the worst came to the worst i would use the savings to pay off the debt (although that is MOST DEFF not the aim )

anyone got any thoughts on what they would do?

edited to add: i just noticed what my origonal mortgage amount was on page one of this diary so it is less than it origonally was (obviously a payment has been made) i had worked out the amount of interest added daily was £5.99 now i am not sure if this is the same so will need to figure this out

elantan

hubby got another months line off of the dr ... i think he needs it as he is still very emotionally un stable .. he seems to get really dark clouds that drop him like a stone ... today though he did clear some of the gutters ... he took his time with it all so that if he felt trembly or sick her just stopped and sat down for a wee while.. the dr has given him new tablets to try ... we will see how these ones go .. he said if these dont work he is just going to come off the tablets as he really isnt liking the side effects ... i think the counselling is working for him slowly ... he seems to have quite a laid back time at the alcohol counselling and a really hard time at the marriage guidence ... both counsellors work in different ways withhim but he feels both are doing him the world of good

elantan

just been to Asda ( i cant stand that shop) got loads of smart price stuff for soup so gonna actually make some nutritious soup to kick start my looking after my health again ...

hubby had bought two bottles of ginger for £1.50 only it didnt come off at the checkout .... so i went to customer services and it appears because they wernt the same brand of ginger that we didnt get the deal .... so i said hey no worries i'll just get a total refund that'll be £2.28 you need to give me back ... she hastily handed me 78p and said it's ok we will let it go this once .... the look she gave me was like i was scum on the bottom of her shoe ... i mean imagine going back about something like that .... she will learn she has a long way to go before she shames an mse'r lol

gilligansyle

elantan wrote: »

j
hubby had bought two bottles of ginger for £1.50 only it didnt come off at the checkout .... so i went to customer services and it appears because they wernt the same brand of ginger that we didnt get the deal .... so i said hey no worries i'll just get a total refund that'll be £2.28 you need to give me back ... she hastily handed me 78p and said it's ok we will let it go this once .... the look she gave me was like i was scum on the bottom of her shoe ... i mean imagine going back about something like that .... she will learn she has a long way to go before she shames an mse'r lol

A few years ago I wouldn't have bothered, but now, every 50p counts.

I take it your mortgage isn't an offset one, and are you just talking about offsetting some of the debt in a savings account. it depends what the apr's etc. are. I pay more in overpayments on my mortgage at the moment because that is a higher rate than my one remaining card. I can see the effects easier. But that's about the limit of my knowledge.