Non-coupon related Drivel Thread 6

Aesop

Morning Jeferey, morning all

adoreholidays

Morning all:)

Sad person that I am been up early this morning working out month by month affects of different rate on our outstanding amount. By making the change we saved £7202.30 over the 5 yrs but cost of remortgaging £1349.00(discharge of mortgage, booking fee, completion fee and pathetic add ons i.e. 2 x electronic transfer annoyingly when took first mortgage out in 1984 you would never hear of all these add on charges) So all in all saved £5853.30.

DOC just imagine the money you can save by changing your existing deal esp if non of above fees involved when my rate change was only 1.34

jeferey wrote: »

Thanks AH. I've had fixes too and in the early days of a mortgage definitely better for peace of mind - my first fix in 1990 was 13.25% :eek: but the mortgage rates went up to 15%. Near the end of a mortgage if you are on a repayment (we switched ours years ago from carpy endowment and got compensation) the arrangement fees start making a bigger impact and you have to watch the total cost not just the rate. Ours was no fee of course

Morning all

We lost out big time with an endowment taken in 1984 in our green days:( Promised clear the mortgage off and big lump sum at the end to do what we wished with we were looking at one time paying out over £75,000 the mortgage was for £23500 ended up only paying out £18000 Never got compo as pre 1987 :mad::mad::mad: so not covered by new law if anything miss selling was rampant all through the 80's but we learn from these situations i.e. regret not paying more off could have easily cleared that mortgage never really understood it all at the time good job MSE came about and enlightened us all.:T

Aesop

AH, you are making my head hurt with the maths! lOL>

adoreholidays

Aesop wrote: »

AH, you are making my head hurt with the maths! lOL>

:D:D

I think gone abit OCD done 60 x 3 different lots of calculations this morning to know exactly difference one at 4.99% & 3.65% paying what I currently pay each month then an additional set at new rate 3.65% paying an extra £100 a month. You would think I got nothing better to do:eek: I MUST MOVE AWAY FROM THE CALCULATOR:D

Even thought would love to work out what Doc would save if she changed from 6.24% to 3.59% and made regular payments:D Told you obsessed:rotfl:

Dr.Who-Who

adoreholidays wrote: »

Doc your option 3 pretty good deal with your current mortgage probably less hassle to arrange Just imagine how much quicker you can pay your debt off with no extra outlay just by changing:T:T:T

Jeferey you have done brilliantly with your deal:j but I always prefer a fixed for long term security bad memories of 80's when we saw our mortgage rise to 17% :eek: we were lucky in that we had a small mortgage but had lots of friends who lost their homes

Thanks AH, and like you I prefer fixed rate so I know how much going out monthly.;)

Dr.Who-Who

Aesop wrote: »

Doc, know you don't like direct debit, but with council tax, a little easier if spread over 12 months.

have fully paid up my tv license until sep, when I will go on dd, and pay less each month for it. Currently was on card, but instead of being £2 a week like it used to be, I am paying for full year in 6 months! so had £38. xx outstanding, said to woman, take it. At least I have a bit extra for the rest of the year until sept.

:D mine is spread over 10 monthly payment as we always paid on time. Sometime I paid 2 months at a time and sometime I stretch it to 5 weeks before I pay depending on my mood:rotfl:

Me paid me TV licence early Jan too. They were chasing for me ££ but me ignored them in Dec cos' me busy holidaying:rotfl:and they can wait a little bit longer.

Then I got my utilities bills sending me red letter:rotfl: ( this one I'll have to say I have forgotten to pay:eek: so they get the monies 1st).

Credit card - they never ever get any charges out from me cos' I pay by direct debit in full all the time.:cool: Me motto if, I can't pay in full I won't use credit card.;)

Dr.Who-Who

Aesop wrote: »

from my site

Direct Debit is easy and the most cost effective way to pay your council tax. You can chose to pay on the 1st, 5th, 10th, 15th, 20th or 25th of the month. You can even opt to pay through to March instead of January. and even the man on the phone said it would be over 12 months. ok, 11 not 12 but a little bit extra.

Discrimination here from the council:eek::eek::eek: I shall speak to my MP:D (as if I know who the hell they are:rotfl:)

Dr.Who-Who

adoreholidays wrote: »

Even thought would love to work out what Doc would save if she changed from 6.24% to 3.59% and made regular payments:D Told you obsessed:rotfl:

We are not talking APGs here:p:p:p:p I still have approx £32k to settle in 7.5 years.:A

Dr.Who-Who

Good Morning to all me families here :j:j

A & T:

1 x Nutella Hazelnut Chocolate Spread (200g)£1.40£0.97
1 x Aunt Bessie's Yorkshire Puddings for Chicken (12 p...£1.64£1.00
1 x Lucozade Sport Tropical (4x500ml)£2.00£1.75
1 x Hovis Medium Sliced Soft White Bread (800g)£1.15£1.00
1 x Hovis Soft Thick Sliced White Loaf (800g)£1.15£1.00
3 x Bassett's Soft & Chewy Everyday Health Multivitami...£10.00£6.88
1 x Chicago Town Deep Dish Four Cheese Pizza (2 per pa...£1.80£1.00
1 x ASDA Extra Special Raw Peeled Jumbo King Prawns (2...£3.00£2.40
1 x Benecol Yoghurts - Summer Fruits (4x120g)£2.38£1.99
1 x Benecol Fruit Medley Yoghurt (4x120g)£2.38£1.99

A & S :-

1 x Aunt Bessie's Yorkshire Puddings for Chicken (12 p...£1.64£1.00
1 x Lucozade Sport Tropical (4x500ml)£2.00£1.75
1 x Hovis Medium Sliced Soft White Bread (800g)£1.15£1.00
1 x Hovis Soft Thick Sliced White Loaf (800g)£1.15£1.00
3 x Bassett's Soft & Chewy Everyday Health Multivitami...£10.00£7.00
1 x ASDA Extra Special Raw Peeled Jumbo King Prawns (2...£3.00£2.66
1 x Benecol Yoghurts - Summer Fruits (4x120g)£2.38£1.91
1 x Benecol Fruit Medley Yoghurt (4x120g)£2.38£1.91

A & M :- M more expensive in everything:eek::eek:

A&W :

1 x Hovis Medium Sliced Soft White Bread (800g)£1.15£1.00
1 x Hovis Soft Thick Sliced White Loaf (800g)£1.15£1.00
3 x Bassett's Soft & Chewy Everyday Health Multivitami...£10.00£6.88
1 x Chicago Town Deep Dish Four Cheese Pizza (2 per pa...£1.80£1.32
1 x Benecol Yoghurts - Summer Fruits (4x120g)£2.38£2.00
1 x Benecol Fruit Medley Yoghurt (4x120g)£2.38£2.00

Dr.Who-Who

Time to go do me car insurance

Aviva shall have my business £383 less £50 (TCB) = 333 for 2 cars:o.


oh no......:eek::eek::eek: couple of days ago it was £383 now its £416:eek::eek::eek::eek::eek::( shall see how much it will cost me tomorrow:rotfl: