Aspirations of Frugality and Fun on the Road to Mortgage Freedom

brizzledfw

What's the latest with Bay of E scores?? Any success?

I know what you mean about shoes. I bought a pair last week as well.. In the sale but even so...:o

jwil

It might be worth speaking to a mortgage broker - when we got our mortgage they knew of much better deals than the bank would give us.

They'll also have a better idea of the different criteria different lenders want so may give you more hope.

DH's bank gave us such a low offer compared to another lender, and then when our then company (the same as yours I believe) refused to let us port the mortgage, a broker got us a hugely better deal with another high street lender.

We used the ones :money: recommends on here.

peaceandfreedom

brizzledfw wrote: »

I know what you mean about shoes. I bought a pair last week as well.. In the sale but even so...:o

Now now, DDFW, remember, a girl can never have too many shoes. :D

giblet1979

DDFW - I hope you managed to get your work done without too much stress. It sounds a frustrating position you are in with your mortgage, but you're really focused, and you might be surprised about what the bank will consider, given your excellent payment history and budgeting. I would second trying a broker...ours was really good, although our bank is now saying that they may be able to beat it (and perhaps pay our 'get out' fees) so might investigate this further (think the advisor was just touting for business and doubt it's true). You might be surprised what another bank therefore would offer to get your business.....

Lots of luck x

DedicatedDFW

jwil wrote: »

You are doing so well! I'm impressed with your ongoing decluttering.

Great bargains too!

Thanks jwil - yes the shoes were a fantastic price - will try on over the weekend - always takes me ages to get to that point - but this is a good reminder

DedicatedDFW

peaceandfreedom wrote: »

DDFW, have you shopped around for a new mortgage or have you just asked your current provider? I know that the criteria for mortgages have got stricter lately but I am not sure what immediate impact that will have. I was hoping to change our mortgage to an offset-style mortgage when our current fixed rate runs out.

Keep us updated on what the banks says and I hope you manage to get what you want.

jwil wrote: »

It might be worth speaking to a mortgage broker - when we got our mortgage they knew of much better deals than the bank would give us.

They'll also have a better idea of the different criteria different lenders want so may give you more hope.

DH's bank gave us such a low offer compared to another lender, and then when our then company (the same as yours I believe) refused to let us port the mortgage, a broker got us a hugely better deal with another high street lender.

We used the ones :money: recommends on here.

Thanks guys - i haven't shopped around for the mortgage - i just thinks its an idea to go in and see what they say i need to be doing - and i need to do that soon too. I cannot see me being able to re-mortgage elsewhere - i had always planned overpayments remortgaging to reduce the term etc. since redundancy my income is about a third of what it was - and i only just got the mortgage when my salary was at its highest

My LTV ratio isn't low enough with my income - i'd need to own over 50% of my house from everything i've looked at before...

My situation now is i am concerned that i am stuck on SVR and i cannot seem to do a thing about it due to the change in my work situation so i am a little worried about rises and more than a little :mad::( that i can't get a better rate which would mean my money is paying less interest and more capital.

I expect i can't do anything but carry on doing what i'm doing -overpaying and improving our home to keep the value in it - but its worth the conversation.

I will look on here thank you for the advice - although i think it'll be a tad embarrassing - i earn very little really and owe alot on my mortgage. oh well nothing ventured and all that x

DedicatedDFW

brizzledfw wrote: »

What's the latest with Bay of E scores?? Any success?

I know what you mean about shoes. I bought a pair last week as well.. In the sale but even so...:o

peaceandfreedom wrote: »

Now now, DDFW, remember, a girl can never have too many shoes. :D

Bay of e was a bit meh! to be honest brizzle - sold 11 items - was *alot* more items with lots of watchers and no bids. I'll see how i d on the re-lists - does anyone know how many items are in the FLW?

Were your shoes gorgeous too brizzle?

Thanks p&f - will be debating returns today though :cool:

DedicatedDFW

giblet1979 wrote: »

DDFW - I hope you managed to get your work done without too much stress. It sounds a frustrating position you are in with your mortgage, but you're really focused, and you might be surprised about what the bank will consider, given your excellent payment history and budgeting. I would second trying a broker...ours was really good, although our bank is now saying that they may be able to beat it (and perhaps pay our 'get out' fees) so might investigate this further (think the advisor was just touting for business and doubt it's true). You might be surprised what another bank therefore would offer to get your business.....

Lots of luck x

Hi giblet and thanks

Its not the bank where my mortgage is, and its not even my main bank that i was going to go to - i will look at the broker option too

I hope your bank can offer you a better deal

DedicatedDFW

1, 10 newly listed items bay of e Smashed target - 31 achieved :T

2, Loft declutter Done! 05/04/2014 and lots gone too


3, Spending diary Whoops no

4, 8 5k runs Whoops no but lots and lots of walking

5, Tuesday, the day of cashback each tuesday check if there are any good cashback offers available Done! none to be had

6, Complete and submit assignment for uni Done! :T

7, 30 minutes a day following my dream i enjoy it, it could lead to a new career so i need to work at it Whoops no start this month

8, Shopping list to be kept to a minimum each week Aim for £50 under current budget :cool: No idea, need to track this better

9, Apply for MA Whoops, no

10, Start work plan Done! - started at least its a work in progress

11, NSD tally Whoops no!

DedicatedDFW

1, 100 newly listed items on / prepped for bay of e

2, Side of house declutter Mostly done - i have done all i can, the 1 thing left is too heavy for me to do myself

3, Spending diary Purple = could have saved
1st May: - food shop = NSD as no extra purchases
2nd May: - £12 in £1 shop - £10 packaging and £2 grocery, £7.50 8 pairs of tights - much needed and would rather buy alot in 1 go as it saves me making the journey to the shop and being tempted by other things. £16.99. Spent at post office also but this was covered by bay of e money
3rd May £22.65 - bay of e dress and postage - it is BNWT
4th May £12.50 - meal out, drinks and transport
5th May £12.50 - meal out and drinks
6th May NSD
7th May £54.89 food shop & saving stamps
7th May £14.98 2 t-shirts 1 was reduced from £30 so good savings on both
7th May £0.68 food spend
8th May NSD £0 had bought shoes will be returned
8th May £4.25 anniversary gift
9th May NSD
10th May NSD
11th May NSD
12th May £2 cat food - she doesn't seem to like what i had got before
12th May £8.67 - food spend £2.75 on salad and fresh fruit, fruit will cover a few days and salad covered 2 meals for 2. Also bought bread- should have made own. Got brekkie and supper also and a meal for 2 + leftovers for lunch. Still feel all could have been avoided even if it was scrummy
12th May BNWT dress bay of e £12
12th May BNWT dress bay of e £4.90 - its meant to be a bit short so may be a top
13th NSD
14th NSD
15th £61.77 food shop - £56 worth of meat for £10.70
16th £2.25 very large chicken - food budget
17th £8 - almost 2 years supply of washing liquid - some from food budget for THIS WEEK
17th - £18.14 2 dresses bay of e
18th 65p emergency onions for BBQ - still lots of onions left too & from food budget so £8.65 THIS WEEK so far
18th £12.35 dress bay of e
19th NSD - posted parcelsbut all paid for by recipients
20th

4, Shopping list: - aim £50 a week and analyse spends on here:
30/04/2014 - £7.47 - not good got delicious meal though that saved me lots of time so i could focus all attention on assignment, also got cake & a huge chicken for less than usual supermarket - so not all bad.
01/05/2014 - £59.19 - £7.54 for my Mr which he requested at last moment - stuff he usual gets and not from grocery budget.
£2 on a conditioner i asked the assistant to put back as i'd found 1 cheaper - got home to find she'd put both through Grr!
£9.86 on meat - remember i said i'd not seen any reduced for weeks? total would have been £35 so a good saving there
07/05/2014 - £48.89 + 0.68 = £49.57 - over what I wanted to spend (i was aiming for £40 but under £50 so fairly happy) Analysis of receipt is: £12.93 kinda unplanned but netted me: 6 huge sirloin steaks (about £7 for 2 full price), 1 turkey leg (£4.50 full price), 1 kilo chicken pieces (£4 full price), 2 x salad (£2 at full price), veg (£2 at full price), ham (£1 at full price), bread rolls (£1 at full price), fruit pie (£1.49 at full price), 2 marinaded turkey steaks (£3.50 at full price), 1 pie (£2 at full price), 1 jar of sauce to use as part of a recipe (£1.50 at full price)
15th May £61.77 food shop - £10.70 on £56 worth of meat - no other cutbacks could be made

5, 5 5k runs - starting 22nd May :cool:

6, Keep checking for cashback Tuesdays

7, Apply for MA

8, 30 minutes a day following my dream from 22nd

9, Complete Uni assignment

10, NSD Tally: llll llll llll ll

After 22nd may:~

copy and paste relevant course materials before no longer have access
carboot
find on-line course stuff and get on with it!
Search and apply at least 1 job a week
Garden - sort out / clear up
tax return
weight loss program