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Lois_E begins a long MFW journey
Comments
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Well done on applying for your 123 account.Start Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
Makes perfect sense to me.....
Does that make sense? Please let me know if I'm doing something stupid without realising it.
I think you've probably made a major booboo :rotfl:.
I've opened the 123 as well - stunningly quick :T.A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"0 -
Yep, it makes sense to me.
Yesterday I read N@tionwide have a current account paying up to 5% for balances up to £2,500. The rate then drops after the first year. You would be better off putting some of your ISA money in there. Here's the link: http://www.nationwide.co.uk/current_account/flexdirect/default.htm
If you did it this month you could close the account when the rate drops next March and still credit your ISA in the 13/14 financial year.
Hmmm, maybe I should listen to my own advice.Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
MFiT3 #86: Reduce mortgage from £146,800 to £125,000
Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 20360 -
Hi, just been reading your thread, need to have my dose of MSE every morning!
I have the 123 account but will have some money to move out of a savings account soon when interest rate drops so a big thank you to Peonie for the Nationwide tip :T. Might do that this week just in case they suddenly pull it as the account in question pays 3.1%. Blimey, it's a constant game of money go round isn't it?!
Have a lovely rest of weekend. No cinnamon whirls in this house as doing SW!!Make £2020 in 2020 £178.81/£2020
SPC 13 #51
Feb Grocery Challenge £4.68/£2000 -
Wow youve had quite a moneysaving weekend Lois!
From a quick skim your sums for the ISAs make sense to me ...
Another one craving a cinnamon whirl tho ... luckily I can't be bothered to go to the shops!! :rotfl:0 -
I now have 4 M&S apple and cinnamon hot cross buns
So there is 3 up for grabsMortgage Aug 12 £165K, Aug 19 £0
ISA challenge start 2019 £3000/£1500 (50%)0 -
Get the kettle on Radish, I'll grab some chocolate muffins when they come out of the oven and be right round.
Tilly x2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
I'll bring some crispy bague.......... oh, I appear to have eaten it all. A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"0
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I'll bring the wine, cinnamon hot cross buns sound lush..."Have nothing in your houses that you do not know to be useful, or believe to be beautiful." William Morris0
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Diet starts again tomorrow, boo.0
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