Natty's Kicking her Mortgage in the Pants Diary

Lois_E

nattypants wrote: »

My annoyance (apart from my sheer stupidity:mad:) is the 0% expires in November, and I will be unable to pay the whole amount by then, as my money is allocated for;
son's 21st, car service, car insurance, house insurance and road tax.

Could you use the money allocated for son's 21st to pay off the CC, and then take out a new 0% CC and pay for the birthday with that? It might help a little?

Radish72 wrote: »

I'm aiming for Aug 2022 as well so will be here for a while, currently sitting at Dec 2024 on the big bit and Aug 2027 on the little bit

nattypants wrote: »

Thank you both, however I fear that I may bring a whole new meaning to the term 'long haul'.

On the plus (there's always got to be a plus:D), I am very, very, very lucky that the light is shining in the distance (the distance currently being 2028 )

Nah... neither of you is truly long haul. Read my sig.

nattypants

Lois_E wrote: »

Could you use the money allocated for son's 21st to pay off the CC, and then take out a new 0% CC and pay for the birthday with that? It might help a little?

I am swithering whether to buy him driving lessons (much needed) or another very specific gift - although I think it makes more financial sense to go for a BT, I am hesitant to go through another credit check on top of much mortgage CR. I will definitely mull this one over.

Nah... neither of you is truly long haul. Read my sig.

I have a feeling I will be alongside you to the bitter end Lois

nattypants

Calfuray wrote: »

Not a problem, I like maths

Thank you Cal - I barely know my timetables!!!

nattypants

For a nice change, I received news on the :money: front. My monthly gas/electric DD will reduce by £32 from September :T

Hurray!!!!

Calfuray

My current end date is 2043, down from 2045 :eek:

So, yeah...

lulabelle1

nattypants wrote: »

For a nice change, I received news on the :money: front. My monthly gas/electric DD will reduce by £32 from September :T

Hurray!!!!

Does this mean you will increase your monthly mortgage payment by £32 per month Natty or would that be too MSE?!!

lulabelle1

With the CC debt - so long as it's being paid on time every month, then £2k shouldn't be a problem with any lender really.... but then, what do I know?!

nattypants

Haven't you read my 'woe is me' credit card posts lula :rotfl:

nattypants

lulabelle1 wrote: »

With the CC debt - so long as it's being paid on time every month, then £2k shouldn't be a problem with any lender really.... but then, what do I know?!

Always on time lula - I have a SO and have done since I opened the CC, so never a missed payment. I know that in the great scheme of things £2K isn't the worst, however as I've never been in this situation before, I didn't know how it all works...

PS according to FD website, the maximum I can borrow is £100K, so that puts that one to bed then. Next!!

nattypants

Calfuray wrote: »

My current end date is 2043, down from 2045 :eek:

So, yeah...

Yes but Cal, you're forgetting that you're a youngster, whereas I'm an octogenarian. I win I think