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"Simply not solvent!

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Comments

  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hiya!

    Great news on the tax bill! Remortgaging..... paying off a credit card and shutting it down? Don't know really, thats a complete guess!
    2023: the year I get to buy a car
  • neverdespairgirl
    neverdespairgirl Posts: 16,501 Forumite
    fantastic news on the tax bill. Don't forget, though, that the amount you have to pay is a minimum, it's always open to you to choose to pay more :rotfl:
    ...much enquiry having been made concerning a gentleman, who had quitted a company where Johnson was, and no information being obtained; at last Johnson observed, that 'he did not care to speak ill of any man behind his back, but he believed the gentleman was an attorney'.
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Excellent news on the tax bill - I would pay it off a credit card x
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Well done on the Tax bill..thats great news!!....remortgaging I would tend to get an offset account with no penalties...I note from your post on the mortgage thread that you are already with the Abbey and they should be your first port of call to see what they can offer you also a mortgage broker will have access to loads of mortgages...I have always used a broker myself and he's come up with a real gem this time..(Abbey) and I never need to remortgage again.
    Firstly I would think about exactly what you want from a mortgage and take it from there...my absolutes were that I could overpay as much as I want at anytime as I want to be MF in about 3 years..the offset was a bonus and a bigger bonus is the offset isn't linked to my current account..at the end of the day ..it's what you want your mortgage to do for you!!
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Great about that tax bill - well done you!! :)
    Your skiing preps sound exciting - I wish I was coming too! :D
    Sea xxx
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    I wish you could come too!

    My 'tax savings' are still sitting in my ISA and it makes me so happy to know that they're there. As they are gaining interest at a higher rate than the debts are accruing it, I can afford to take time to decide which to pay off.
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Good news about the tax and the savings rate.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Morning Seaxwyn..thought I'd pop over and say hi ..how are you?
  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    Morning! I'm fine thanks. Rushing to get all my work done before going off skiing tomorrow. I'm working in London today, which doesn't leave much time to pack, hope I don't forget something vital.
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Enjoy your last day at work :D
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
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