Lois_E begins a long MFW journey

nattypants

You are indeed pretty cool Lois Well done from me also:D

gallygirl

nattypants wrote: »

You are indeed pretty cool Lois Well done from me also:D

If Natty thinks you are cool then it must be true Lois :cool:.

Calfuray

No probs Lois, just preaching the truth!

Secret_Saving_Squirrel

I would also like to join the Lois appreciation society! You are doing great stuff.

Squirrel

Lois_E

Alchemilla, natty, GG, Calfuray & Squirrel, you are all very kind. Thank you. I am touched.

Meanwhile, I am considering getting a Santandr 123 account now that their customer service is supposed to have improved so much. If I can put the EF in there and get it over the £3000 then I can get 3% on it, which I'm obviously not going to get anywhere else. I'd transfer across all such DDs as would attract cashback, and leave the rest coming from my Halifx reward account. Likewise, I'd keep my salary etc coming into Halifx and set up a SO to fund the 123 a/c.

I'll have to do some sums about the cashback and the interest and the monthly fee to check it will be worth it. It'll also require some creative spreadsheeting to keep the EF and the bills money distinct despite being in the same account, but nothing I couldn't manage. (Oh dear, more fiddling with spreadsheets required, what a shame [/sarcasm]) I'll report back when I've decided what's best to do.

gallygirl

Lois_E wrote: »

Alchemilla, natty, GG, Calfuray & Squirrel, you are all very kind. Thank you. I am touched.

Meanwhile, I am considering getting a Santandr 123 account now that their customer service is supposed to have improved so much. If I can put the EF in there and get it over the £3000 then I can get 3% on it, which I'm obviously not going to get anywhere else. I'd transfer across all such DDs as would attract cashback, and leave the rest coming from my Halifx reward account. Likewise, I'd keep my salary etc coming into Halifx and set up a SO to fund the 123 a/c.

I'll have to do some sums about the cashback and the interest and the monthly fee to check it will be worth it. It'll also require some creative spreadsheeting to keep the EF and the bills money distinct despite being in the same account, but nothing I couldn't manage. (Oh dear, more fiddling with spreadsheets required, what a shame [/sarcasm]) I'll report back when I've decided what's best to do.

I was thinking the same Lois, but just changed btl dd's to another account and don't know if I have the stamina to do it all again!

nattypants

I was thinking exactly the same also, then remembered that I have no savings so decided against it:o

I really, really, really shouldn't be here...should I?

Kodagirl

£10k in about a year and a half,absolutely amazing!!!! Truely inspirational,
Lois_E!!!!:T:j:T

Lois_E

Thank you natty, GG and Koda. Koda - you are very encouraging.

I've done the sums, and I think the 123 is worth going for. I have millions of DDs, so still plenty to leave in the Halifx if I only switch the ones that qualify for cashback.

Marking to do tonight, though. Will sort out 123 account in a day or two.

PS natty - yes you absolutely should be here, because
a) We like you and we want you.
b) You're funny and you make us laugh.
c) Everyone is welcome if they want to get their mortgage down.
d) Even if progress is slow when you're on here, it would be slower if you weren't.

Tilly_MFW_in_6_YRS

Lois_E wrote: »

PS natty - yes you absolutely should be here, because
a) We like you and we want you.
b) You're funny and you make us laugh.
c) Everyone is welcome if they want to get their mortgage down.
d) Even if progress is slow when you're on here, it would be slower if you weren't.

Couldn't agree more x