Striking while the iron is hot.

Muser1

Hi October girl I'm :rotfl: at rubber chicken.

New hours have already made a massive impact. DD in particular seems so much happier she is a complex little soul so it's great to see. I have things on eBay and have contacted a ppi reclaim company. I'm convinced I never had it but you never know. So hopefully we can get the money together. Be a real shame to miss out.

We were naughty last night and had a takeaway so warmed up pizza for lunch. Yum. Paid for out of weekly spends.

Ald1 shop tonight. Don't need much so hopefully get away with £40ish spend.

Out at a friend's house later tonight will be good to catch up. Free too!

Muser x

Octobergirl

Interesting you should be looking at this ppi thing, I contacted a firm several weeks ago, it's still sitting on the side, for some reason I'm hesitating about sending it off. I don't want my bank getting !!!!!y with us! Let me know how you get on!! X

RoaringTwenties

Hi Muser, you came onto my thread and now I've found yours

Haven't read it all I too have a DS & DD & they interrupt my internet time but nice to pop in. I did read the bit where you said you were relieved that your DS was on his best behaviour at playgroup - I have sooooo been there :rotfl:

Have subscribed, good luck with your MF journey xx

Pearla*Merle

Hello Muser, just wanted to say a quick hello! I've really enjoyed reading your diary, keep up the good work!

So glad to hear the cutback in hours have made such a significant impact, when you see such an big difference you realise it's all worth it xx

ecoelle

Muser1 wrote: »

Somebody help me I have just cut up cereal boxes to use for lists! I'm getting obsessed with this MSE malarky! Does anyone else sometimes forget in rl that not many people 'get' this I sometimes do or say things and people look at me like I am losing the plot! xx

Ha Ha, most people i know look at me like that. I think it's nice though if you can make use of things more than once. I do think that if you can find a second use for things you not only save yourself money, but maybe save a little bit for the planet too.:A

ecoelle

*Subscribed*

I want updates x

Muser1

Crikey it's been a while!

Today is as good a day as any to update!

I have just swapped our mortgage deal. :j Have a 2 year fix with Halifax with no fees of any description. It's 2.54% which I'm chuffed with. I realise in 2 years the rates may well be a lot higher but I'm happy for now.

This means monthly payments of £440! £110 less than now. £110 a month overpayment isn't too shabby at all is it?? :T

Muser1

Ps October Girl if you are still out there.. We bought a tent and had 3 brilliant holidays in it over the summer!

greent

Fab fix!!! (my SVR is 2.5%, but not worth us fixing now) - and a 20% drop in your payment too - great stuff! An OP of 25% every month is definitely not shabby at all!

Muser1

I didn't think of it like that GreenT! It's pretty amazing really. Fingers crossed I can get some extra bits to throw at it.

Very happy Muser x