Sweet dream or a beautiful nightmare - only time will tell :-)

DELILLIAH_BUTTERCUP

Afternoon all:wave:

After a truely magnificent wombling session at Mr A's I now feel totally let down that I only managed to harvest a grand total of £1.97 in coupons towards my next shop......bah humbug:mad:

Thats it really.....going off for a sulk now:cool:

Del B. xxx

keza

hey Del B.

ur posts have made me chuckle in my lunch hour! ive just become a mum 11 months ago to my little darling and we are about to start our next mortgage adventure in the coming year so i will be interested in your tips xx

pixnmix_2

Hey DB, that's £1.97 free cash for the MOP, so well done
I'll never understand why people drop their receipts on the floor. After all, if they drop a penny they'll grab it!
Your gain :j

DELILLIAH_BUTTERCUP

Hi keza:hello:

Thanks for dropping by and I'm really pleased I made you chuckle :laugh: especially on your lunch break. As I've said before without laughter we are nothing:D

Congrats on being a brand new yummy mummy:T . Gosh that seems forever ago for me especially with hormonal teenage daughter and I've got to admit I don't quite know where the time went, but if I'm totally honest sometimes you feel it lasts forever.

Words of wisdom MSE wise, absolutely nowt.....we earned the money, we spent the money, we had a bl**dy good time doing it:rotfl: What made me change my way of thinking was the knowledge of a genetic condition which I may or may not have inherited.....time will tell on that one. Got to pay this milestone off and let the good times role if you know what I mean;)

Enjoy your little one whilst she is young.....coz when hormones hit, all h@ll breaks loses:rotfl:

Del B xxx

mrs_motivated

Hi Del B :wave:

I have just found our diary and have to say I am loving it! Keep up the good work and the tales of your family.

I have never heard of the receipt thingy, I throw all mine away :eek:
What exactly do you do with them?

Totally understand the beautiful teenage daughter dilemmas lol, I have a 21 year old and 18 year old twins, although they are much easier now the do still raid the proverbial purse of mum

DELILLIAH_BUTTERCUP

Good evening fellow stingebags:D

Well, purchased car tax for Mr Buttercups chariot of fire so legal on that point , just realised that February is a council tax free month so keeeerching!:T. I so hate paying that bill especially when I go to the counter and hand over £155 cash and hear the person next to me hand over a tenner, sorry but reaaalllly knarcks me off:mad:

On the Mary baker cake maker side of life I made a proper real steak pie for tea.....and it was utterly poooooooo:rotfl: Hey give the girl some due at least I tried.....women know your limits!:p. Hope I haven't cracked any of Mr B's teeth in the process coz that will cost me:(

Ohh haha also got a rather charming letter from the tax credit people dating waaaaay back to when the threshholds changed probably 2 years ago. I informed them that the government had changed the limits and I was no longer eligible for the amount and could they please stop giving it to me because I don't qualify......computer says no! They carried on for a few more months before finally reassessing me and now they want it back....would I like to pay it back in one go...would I [email]b@ggery!...so[/email] £7 a month it is for the next year;)

Petty I know but the devil in me says bahaha!:A

Sweet dreams:)

Del B xxx

DELILLIAH_BUTTERCUP

Hiya:hello:

Had a council tea tonight.....made the Buttercup clan eat beans on toast.....braced myself for a good old verbal battering.....guess what they loved it.....slight confession to make...I loath beans on toast....stuffed my face with a bacon butty instead...mmmmmm:D


Earth shattering I know......we know how to parteee

Sweet dreams

Del B xxx

DELILLIAH_BUTTERCUP

Good morning world

Today is a good day.....coz today I have hit the 80's....£89629 to be precise:T. Very very happy indeed:D.

On the flip side after another conversation with Virgin and contrary to their advice I have now sussed out that I cannot wipe out the secured loan part of my mortgage completely without incurring a ERP, which is a tad poooo because that was my original goal. I can pay it down considerably but not wipe it out until my fixed rate ends beginning of 2016......grrrr:mad:. Sooo I guess I will take it down to say £1500 then concentrate my op's to the larger side of the mortgage just to be doubly sure I dont hit any charges. Also have noticed the doyles have lowered my monthly contractual payments even though I only received a letter 2 days ago stating the payments will stay the same.....a new name in Virgin but still the same Northern Rock c*ck up's:(.

Anyway, as long as the mortgage debt is going down then that's what matters:cool:.

Have a happy day

Del B. xxx

mrs_motivated

Hi DB,

Happy 'reaching the 80's day' - that must be such a great feeling :T

I am looking forward to the day when I can actually see it going down and not up (which hopefully will be very soon).

Hope you have a good weekend

Lois_E

Yay! Well done you. Enjoy the 80s, and roll on the 70s!

I think it's not worth stressing about what they do with changing the payments, unless they mess up in a way that interferes with how much you're allowed to OP. Otherwise, just adjust your OP to take account of what they've done to your official payment, and it should make no odds.

Onwards and downwards!