Enjoy Locarr's interesting thread Elite

3010

donttrustafart wrote: »

Not allowed to do a link :

finish.co.uk/features/offers/coupons/finish-quantum-coupons/coupon-form/

http://www.finish.co.uk/features/offers/coupons/finish-quantum-coupons/

dipdap

bubbs wrote: »

Noooooooooo cause im older than you:o

You're not that old Bubbs
That reminds me, I've left my hallway clear so next time you visit you have room to park your zimmer frame

hampydoodums

Afternoon luvlies, may have already been mentioned, but in case it hasn't, in my local Mr T Extra last night there was quite a bit of kitchen bits in the clearance.

I got:

Minky Strip mop (Smart Scrub) - £2
Minky Bucket with wringer £2
Minky V Mop (v shaped head) £4
Go Cook Carving knife £2.38 (down from £9ish)
Go Cook Bread knife 2.38

Hope this helps

Bananababe

3010 wrote: »

Well done. I'm expecting little notebook with figures and bit in to record prices and percent discounts etc. :rotfl:

I fully intend to use my elite activities to practice spreadsheets and accounting etc.

:T

3010

Bananababe wrote: »

I fully intend to use my elite activities to practice spreadsheets and accounting etc.

:T

It will be very interesting. I'd love to set up a shreadsheet where I could put all my figures in and have it automatically work out how much I have spent on flumps in the year etc.

tweets

Good Afternoon

Afternoon bananababe :hello:

Bananababe

3010 wrote: »

It will be very interesting. I'd love to set up a shreadsheet where I could put all my figures in and have it automatically work out how much I have spent on flumps in the year etc.

I dont start till sept but got myself some books and going to order software etc to have a wee practice on

Its so nice having you here hanging out x

Bradley1984

Disney Frozen Printable Pack

http://eng.ohmyfiesta.com/2014/03/frozen-free-printable-activity-pack.html

Tinyshoes

mhoc wrote: »

Ive just had an email from Moneywise magazine with an email regarding the new rules on mortgages (and also re mortgages) .

this seems like a hell of a lot of paperwork to get together - a years worth of bank statements which are usually online now and most people have separate personal accounts plus a joint account so at least 3. Plus credit card statements assume you also need 12 months of these and again most people have several cards and the paperwork for car loans, student loans etc.
Also a lot of people keep their finances private - don't want their partners to know what their phone bills are or how much they spend at the hairdressers or about their gambling habits etc
I think only the ultra organiser bordering on the obsessive with sparkling clean financial records will ever think of getting a mortgage. I think it will be enough to put some off getting their own place ever and just stay in rented accommodation.
the MSE budget brain website covers most things. I gave this to my eldest and she said she just does not have the time to go through it all which is another problem - the time factor.

"If you're buying a home or wanting to remortgage, new rules are being introduced that could affect your plans.

From 26 April, Mortgage Market Review (MMR) rules officially come into force, requiring lenders to be far more diligent about who they lend money to.

The Financial Conduct Authority, which is responsible for the changes, wants to make sure the bad old days of mortgages being handed out willy nilly - sometimes even without proof of a borrower's income - stay firmly in the past.

Here's our checklist of the things you will probably be asked to provide
Rent
Council tax
Gas
Electricity
Water
Food (groceries and eating out)
Petrol and car maintenance
Landline
Broadband
Mobile phone
Car insurance
Buildings and contents insurance
Pet insurance
TV Licence
Student loan

Other outgoings:
Childcare
Gym membership
Haircuts
Gambling

Outstanding debt:

You'll also be asked for any outstanding balances you have on the following, in addition to your monthly outlay on them:
Credit cards
Store cards
Personal loans
Furniture loans
Car loan
Overdrafts

The questions are designed to give the bank or building society a comprehensive overview of your spending habits so it can ensure you are able to keep up with your mortgage payments, even if rates rise.
Other things you will be asked to provide:
Bank statements (up to a year's worth in some cases)
Your latest P60
Statements of all outstanding debt (including everything from credit cards to a student loan).

That is really scary for future generations.

I know before I got a mortgage we splashed out on big holiday etc etc before being tied down with debts, how would that look on a bank statement. :eek:

I feel really sorry for those trying to get a foot on the property ladder.

I am glad I don't have the worry ever again.

Tinyshoes

nerfdad wrote: »

What more does she want as I've got her a cake:D:D

Well I want more than cake on my birthday. :eek: :rotfl: