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No Money - but BIG ambitions
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Nice to see you Weronika! How old is Ladybird now and how are you all doing?
Sorry to hear you have to go back to work - the time seems to fly by. Hope you find something that fits in.
Funny you mentioned Oilatum. I am also on the hunt for Oilatum for DS and find that often eBay is a good place to look.Overpay!0 -
Hi, Ladybird is nearly 7 mth old and we are doing much better, she sleeps much better in her own room, instead of 10 x feed she goes by 1 or 2, I'm still bf so it's nice to have more sleep :-)poorbutrich wrote: »Nice to see you Weronika! How old is Ladybird now and how are you all doing?
Sorry to hear you have to go back to work - the time seems to fly by. Hope you find something that fits in.
Funny you mentioned Oilatum. I am also on the hunt for Oilatum for DS and find that often eBay is a good place to look.
I will only go back part time at first until she is 3 yr old and can talk. I read awful article about childminder mistreating young kids so now I'm wary
I get Oilatum on presription for DS, as he got egzema. It's free, best price of all:-)Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500
From March 2012: Mortgage OP: £160 pcm (saving 29k):D
Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal0 -
I was buying Christmas presents already today:-)
Nice deal in Boots on Clarins- gift set worth 28 for £20 , but when u buy 2 of them you get another gift set worth £50, plus you get £7.5 in points plus £2.5 from machine vvoucher! So I spend 40 but get £9.5 back in points and gift worth double that:-)Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500
From March 2012: Mortgage OP: £160 pcm (saving 29k):D
Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal0 -
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I know, I couldn't believe iit when I heard it on the news! They were swaddling, but really binding kids for naps, putting them in cots without mattress!
I mean, how could you treat baby like that??Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500
From March 2012: Mortgage OP: £160 pcm (saving 29k):D
Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal0 -
For those eBaying and on TCb, there is sweet deal for posting your ad on viva street, £1,60 twice a week, ongoing. So instead of paying listing fee you get nice cashback, think is worth doing it even though I didn't sold anyhing yet:-)Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500
From March 2012: Mortgage OP: £160 pcm (saving 29k):D
Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal0 -
Finally, I got all the details to make online transfers to my mortgage account. OPing will accelerate from now on:-)
I pay the 7.51 ending as a test this morning. It didn't show up yet:-) i checked twice,already:-)
DH is on board as well, so all extra cash goes directly to mortgage. We build already our emergency fund for 4 months comfortable or 6 months super saving, so rest from nnow on goes to mortgage. Till May, when we probably borrow more. But still, we should mmake some saving on interest that wont accumulate.
It will be fun:-) I can overpay without penalty another £6500. Yup, this kind of money for sure I can find under sofa:-) But one can dream:-)Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500
From March 2012: Mortgage OP: £160 pcm (saving 29k):D
Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal0 -
Great that you can make online OPs, it makes it so much easier
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Ok, does anybody know how quickly the mortgage balance will be updated???? I checked again this morning and it still doesn't show the OP I made yesterday. I keep thinking I gave wrong ref or something.... How long does it take???Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500
From March 2012: Mortgage OP: £160 pcm (saving 29k):D
Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal0 -
Hi Weronika, even with Faster Payments it can take a couple of days. I would just phone to check. I can't check my mortgage balance online but can phone whenever I want and check. Sometimes I call several times a month to check re OPs, overall gross total, length of mortgage term to go etc etc !!! I am sure the staff think I am bonkers!!MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0
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