Memorygirls - The Matrix Re-inspired

Dorastar

Happy Monday - well it is now I'm home early, sat waiting for another builder to look at garage roof so hopefully will have more than 0 quotes to send to insurance company! Why do builders work on builder time when the rest of us have to run on normal time?

School saga continues apace and we have another meeting 3.30pm next Monday in the big bosses offices - think they want to feel like they have the upper hand. Still not going to be easy as they are going to ask a lot of questions and work out how to 'save' us and we in turn have to look grateful :rotfl:. Is all a bit of a silly old game tbh but they ahve to be seen to be helping someone as most of their jobs are still in serious jeopardy!

clairewop

Don't think the universe is liking me very much at the moment lol

Cheery_Daff

If it's not urgent that you get the boiler sorted Claire (and you seem to have heating and hot water, so it doesn't sound like it is), then why don't you sit down and see how much you would need to save each week to, for example, get the boiler in a year's time, or 6 months or so. Yes, you'd have to wait - but you wouldn't be repaying a loan, so you'd save what you'd be giving a loan company in interest too. Let us know your workings out!

I'm SO unmotivated today! Working at home, feel like I've got NOTHING done, pah Need to set the timer and TURN OFF THE INTERNET I think...

MrsMoo2U

I agree with Cheery Claire. If you were both going to put £100 each to the loan that is £200 per month, if the boiler costs £1800 then that is 9 months to save up for it. If you were to take a £2000 loan @ £200 per month how much interest would you be saving? I know that you were trying to do it so that your son could move into the bedroom is the current boiler dangerous because of this.
Alternatively you could get a British Gas engineer in to service it, hope he condemns it and then apply for the warm front grant!!!!! :rotfl::rotfl::rotfl:

clairewop

Ok so I now need a boiler and electrics pot how to fill it is going to be a BIG challenge :eek:

Ist I can transfere the odd pennies from my bank account at the end of the month to a savings account, although this wont generate much.

Fill my odd change jar, which has got about £5 in at the moment,

MrsMoo2U

clairewop wrote: »

Don't think the universe is liking me very much at the moment lol

Ahem (cough smiley needed)
Any change, any loss, does not make us victims. Others can shake you, surprise you,

disappoint you, but they can't prevent you from acting, from taking the situation you're

presented with and moving on. No matter where you are in life, no matter what your

situation, you can always do something. You always have a choice and the choice can

be power

You can always do something Claire - remember positive thoughts.

clairewop

cherisong wrote: »

I agree with Cheery Claire. If you were both going to put £100 each to the loan that is £200 per month, if the boiler costs £1800 then that is 9 months to save up for it. If you were to take a £2000 loan @ £200 per month how much interest would you be saving? I know that you were trying to do it so that your son could move into the bedroom is the current boiler dangerous because of this.
Alternatively you could get a British Gas engineer in to service it, hope he condemns it and then apply for the warm front grant!!!!! :rotfl::rotfl::rotfl:

The interest would be £228, on the £2000

MrsMoo2U

So that would take you just over 11 months to pay back. If you save £200 per month then you will have the boiler in 9 months (ok you have to wait) and save £448!! A holiday!

Another way maybe is to see if you could buy the boiler seperately at a good price and see how much the labour would be to install it. Ask the guy who did the quote to break it down and then shop around for the boiler perhaps?

clairewop

yep although sooner would have been better

right I have changed my sig for the boiler pot and I'm going to count my loose change to start it off, my benefits have gone up a few £££ so that can go into the pot too, its a start.

Cheery_Daff

Where would the money have come from to pay back the loan Claire? Because that's how you're going to fill your pot! Along with any small change etc

And cheri - I thought Claire's son was already sleeping in the room, they'd just like a bit more space in there for him? Which is why I got the impression it wasn't an emergency.