Finally I have a mortgage I can start to pay off!

Suffolk_lass

Sorry to hear you are feeling a bit rough, everything else feels worse, don't you think? - just wanted to mention the Skipton 3.5% regular saver if you haven't got it yet - better than most and only for existing customers

themadvix

Afternoon all,

Thanks for dropping by ladies - your support is much appreciated. Cheery, I can totally see why your estate agent might have wound you up a bit with emails like that! 😂🙄 Freezers full of rotting meat... the mind boggles! Just what vegetarians want to have to deal with! 🤢 SL - you're completely right about how everything feels worse when you're feeling carp - it just felt like staying here where it's safe and easy would be a much easier option last week! DH is much better now and while I have a headache whilst typing, I'm feeling better, so it's all looking rosier.

We've decided to continue as before. The PP issue is marginal and could be seen from different directions/with different interpretations on further inspection (further information has come to light). We will get some further advice at a later date, but unless the survey shows up something horrific, we're buying the house. DH has also shown me that he could technically afford all the bills himself if necessary (show off!) - so the financial situation would be better than I was thinking it might be.

SL, thanks for the tip about Skipton - I'll take a look.

MS things:
* 6p on HW yesterday, clicks done every day
* Qmee @ £10.74
* R'ford recipe box for dinner last night and there's enough for dinner tonight too

Gratitudes:
* A lovely send-off yesterday for a close friend's dad (he died in January of Covid and underlying conditions) - memorial event in the sunshine yesterday afternoon
* DH is finally feeling properly better
* Badminton this morning followed by a relaxing afternoon

Have a good day all. Hopefully less drama round here next week!

Fortune_Smiles

Glad things are looking more positive MV.

Fortune x

themadvix

Morning all,

Thanks Fortune.

It's been a very manic few days - loads of work (two big projects overlapping, and of course the clients don't know that I'm working on both simultaneously!), some socialising, some cat sitting, and yesterday an Olio collection and a mortgage valuation survey on top of all of the above.

Fortunately today is quieter and I can get on with some of the work for my main client (chaos may resume tomorrow as the overlap begins again!). Will pop round to Dad's late afternoon for a cuppa with him, Sis and Niece (his partner is away), so that will be nice.

Have rebooked our survey for 8th October, so in the meantime, we have some breathing space (and peace and quiet hopefully!).

MS things:
* Went out for dinner with a friend last night - we know him through DH's work. We were hoping/expecting to pay (as he always manages to), but he put it on the company card instead. So a very nice free meal out (I'd like to say we'll pay next time, but this was already next time and he has serious form for doing this).
* Clicks done (haven't won anything on the HW recently )
* Entered loads of comps at the weekend (no wins yet, except a free dessert at Pizza Express!)
* DH's work has just released a new benefits range, which includes a very cheap lease option of an EV. Salary sacrifice, includes tyres, all maintenance, insurance, tax (zero-rated) and (because an EV) effectively most fuel costs for ~£350/month. We need to look at the numbers again, but given he'll be upping his travel quite a bit (and therefore fuel costs will go up) and my car is pretty ancient, this might be an option for when we move (also, guilt-free emissions-free travel). It goes against all our MSE ways to lease, but it's possible this could work for us.

Gratitudes:
* Lovely time with friend last night
* Lots of work is needed
* (Packed) lunch at a friend's yesterday for a catch-up
* Positivity about move is returning (was struggling for a bit with all the uncertainty)

Have a good afternoon all!

Cheery_Daff

Ooh, that does sound like an exciting potential option for the EV! Glad you're feeling a bit more positive about the move too x

themadvix

Glad you said that Cheery, was a bit nervous about what MSErs might think of leasing a car! It does sound like it might have potential though.

Have to investigate other benefits available too as there's discounts for shopping too I think.

South_coast

Sshhh.... You wouldn't be the only one leasing 😳!

Joking aside, that does sound like a great deal

Karmacat

Vix, I'm sure leasing isn't inherently anti-mse - as long as you've investigated the numbers compared to any other financial method, I can't see what the problem is

Envying you your cat contact 😺

Suffolk_lass

We have been discussing EVs for a while now. I suggested we might lease in future to avoid the capital outlay, remove the replacement of batteries cost risk, and package it all into one monthly payment. Because we normally drive from EA to the NW tip of Scotland at least annually, and also to Italy, in normal years, we think if my eight year old ("clean") SUV diesel gets the chop we will have to look at a hybrid. The infrastucture is just not all there where we go

Cheery_Daff

I used to know someone who leased an EV a few years back - as part of the lease you got use of a diesel for a few weeks a year so you could do longer trips like that one. Seems sensible if holidays are the thing stopping people getting an EV. Wonder if there's anywhere that still does that?