Thistlewhistle 2014 - A Fresh Start

Thistlewhistle

:T:T:T:T:T:T:T:T:T:T

Just taken the plunge and increased my mortgage payments by £50 to £550 per month.:eek:

This means I'm now overpaying by £88.70 each month and clobbering the capital owed by £210 each month as my average monthly interest is £340:eek:

Feels good......I think!:o

I'm aiming to get it to £1,000 per month, so I'm over halfway!!

Thistlewhistle

Oh I forgot to tell you all - I managed to save 45% on my car insurance renewal. they wanted £1,145 (robbing chuffers) and I managed to get it down to about £626 - still outrageous but a lot better than £1,145.

edinburgher

That's really good Thistlewhistle, but really cheeky of the insurer (considering insurance premiums have gone down almost everywhere in the UK over the last year!)

Was that cheaper than last year?

glitterjunkie

Good stuff Thistlewhistle that way you're making OP's each month without even trying! That car insurance quote is ridiculous, what do you drive a Ferrari? ! x

Muser1

'Robbing chuffers' has just made my morning!:rotfl:

Thistlewhistle

edinburgher wrote: »

That's really good Thistlewhistle, but really cheeky of the insurer (considering insurance premiums have gone down almost everywhere in the UK over the last year!)

Was that cheaper than last year?

Hi edinburgher,

No it was more expensive, and I have 6 years no claims!!
Basically I live in the staged accident capital of the world, where unscrupulous brethren park their cars on the other side of humped back bridges, just pull out in front of you, or slam their brakes on in front of you because an empty crisp packet ran out in front of them.
Then when the claim goes through, there were 97 of them in the car, all sustaining life threatening whiplash, the car was written off (presumably as it was being driven away at speed) and required repairing on a scale the likes of which Boeing would balk at.

Ironically, if I lived at OH's house, my premium would be the cost of a first class stamp!:mad::mad::mad:

Not that I'm a bitter old queen, you understand!!!:rotfl::rotfl:

Thistlewhistle

Muser1 wrote: »

'Robbing chuffers' has just made my morning!:rotfl:

well if it made you smile Muser then it was all worth it! :beer:

Thistlewhistle

Morning all,
Loads of work to do today although surprisingly I actually have the time to do it - nothing at all to get in the way!

It's month end and I have to prepare all my figures and do my reports to send off to my manager, then I have to plan for the next 4 weeks. I quite like month end, especially in January when I get to see how many lovely new members we've welcomed into my Team's SW groups in January. At the end of last week, it was 810 so I'm hoping it'll reach 900 when I add this weeks figure in.

Great results will mean team earnings this month of at least £500 added to a good result from my own group. This'll be welcome as I have a huge credit card balance thanks to my tax bill paid on Thursday.

Just starting the day with a bowl of porridge and a cup of tea, whilst listening to the morning service on radio 4, then I'll begin.......

Thistlewhistle

Thistlewhistle wrote: »

Primary goal: Scrape together the cash to pay my tax by 31/01/2014
Secondary goal: Pay off credit cards once and for all
Tertiary goal: Clear mortgage by 23rd December 2021 (50th birthday):eek:
Quaternary goal: Lose 29lb by Easter

Primary Goal: achieved!!! (Although partially at the expense of the
Secondary Goal: still work to do here!!
Tertiary Goal: upped monthly OP to £88
Quaternary Goal: 4/29 achieved

Getting there!:T

norfolkdream

Thistlewhistle wrote: »

:T:T:T:T:T:T:T:T:T:T

Just taken the plunge and increased my mortgage payments by £50 to £550 per month.:eek:

This means I'm now overpaying by £88.70 each month and clobbering the capital owed by £210 each month as my average monthly interest is £340:eek:

Feels good......I think!:o

I'm aiming to get it to £1,000 per month, so I'm over halfway!!

I remember when I did this, I upped my payments by about £100 and took 7 years off my mortgage a couple of years ago, that was a great feeling. My interest back then started at £430 a month!
My interest is now around £67 a month and its amazing seeing that go down. As I have grew to see my OPs are steady I have upped my payments again by another £165! :eek: because this way I slightly get around my 10% limit though it is scary to have that much money go out in one go! My MPs went from £594 to £878 eventually, dont think I could risk £1000 although I do still OP over that most months, its my choice

Good Luck with yours. (I too wondered what group relief was but I thought it was a support group )