Only freedom will do

Dobbibill

We had a lovely time, thanks all!

Also, we never miss the rugby Dobbibill, watched loads of matches while we were away, including the nailbiting England vs. Wales match!

Phew glad to hear that Ed

Nail-biting was down to the elbows, sore throat from shouting, screaming and lots of jumping up and down. And at FT a huge smile on my face

I am also now the proud owner of a puppy called 'Biggar'
DH bought it in the week and I refused to name him until the match was over. :rotfl:

edinburgher wrote: »

So, back to reality!

Time away was wonderful and I felt that I got to know my daughter again. It is incredible (but scary) that children change so much between one month and four that I felt that it took me a full week to get used to her routine and her new and improved repetoire of cuteness. She is currently fascinated by music and getting very frustrated that she hasn't *quite* mastered rolling over.

They are constantly changing, learning new things, forming their personality. I used to love watching mine and seeing them thinking about their next challenge. (you can see the thought process in their facial expressions)

Mortgage stuff rumbles on and I had a mammoth session of drawing together the supporting paperwork for our mortgage application yesterday. I was furious after coming into the office to scan everything, only to discover one missing document when I got home!!!Fixed now and another reminder that I need to double check stuff before sending it off. All's well that ends well, however, and Mrs E will be mailing out half an inch of documents today!

Now that it looks like the new house has been secured on our terms (moving in a month tomorrow!)

There goes that Express train again. You really don't hang about at all. You must all be very excited :T

I was off yesterday and the day disappeared in a blur of grocery shopping, buying petrol (off to Newcastle for Scotland vs. South Africa game next week), housework and mortgage stuff.!

Good luck Scotland :j have fun Ed :j
Me and Biggar will be cheering them on too

newgirly

Wow , its impressive how smoothly the housemoving process is up there, a month is no time at all!

edinburgher

I am also now the proud owner of a puppy called 'Biggar'
DH bought it in the week and I refused to name him until the match was over.

I love Biggar as a name, Mrs E preferred Buttons

Wow , its impressive how smoothly the housemoving process is up there, a month is no time at all!

This has required a fair bit of persistance on my part. All very pretty above the waterline, but has involved a fair bit of scrabbling underneath

edinburgher

It has come to my attention that I am an inveterate financial tinkerer

Spotted a tasty chunk of 6.4% lending on R@tesetter this morning and topped up my account by c. £250 to match the amount that's in Funding C1rcle to improve diversification. Managed to get around the £1,000 minimum for using a debit card by deposting £1,000 and withdrawing the excess immediately (high tech money shuffle)! They do allow debit card payments for smaller amounts, but the fee would have taken 0.5% off my returns for the year

That takes me up to c. £2,700 across 3 platforms, with a blended rate of 7.15% after tax. Curious to see what bad debt will do to that and nerdishly excited that the rule of 72 suggests that my current rate means my money will double in just over 10 years. We're through the looking glass here people :rotfl:

*Edit: even better, had forgotten that the gummint was changing the rules re. tax from April :beer:

*Edit the 2nd: yay - another £25 loan has winged its way to me @ 10%+

*Edit the 3rd: and another £24.... wish I was working as hard as my money

gallygirl

edinburgher wrote: »

It has come to my attention that I am an inveterate financial tinkerer

Spotted a tasty chunk of 6.4% lending on R@tesetter this morning and topped up my account by c. £250 to match the amount that's in Funding C1rcle to improve diversification. Managed to get around the £1,000 minimum for using a debit card by deposting £1,000 and withdrawing the excess immediately (high tech money shuffle)! They do allow debit card payments for smaller amounts, but the fee would have taken 0.5% off my returns for the year

That takes me up to c. £2,700 across 3 platforms, with a blended rate of 7.15% after tax. Curious to see what bad debt will do to that and nerdishly excited that the rule of 72 suggests that my current rate means my money will double in just over 10 years. We're through the looking glass here people :rotfl:

*Edit: even better, had forgotten that the gummint was changing the rules re. tax from April :beer:

*Edit the 2nd: yay - another £25 loan has winged its way to me @ 10%+

*Edit the 3rd: and another £24.... wish I was working as hard as my money

Oh that reminds me, think I have a few loans on FC repaid in last day or two .

edinburgher

gallygirl wrote: »

Oh that reminds me, think I have a few loans on FC repaid in last day or two .

Why is that shameful?

I don't mind FC, it's a bit sluggish tho.

Secret_Saving_Squirrel

I am always shuffling my dosh too. Can't bear to see it earning anything less than 3% so have loads of different accounts up to their relatively low minimums.

Watty1

I love reading your shufflings. When I have some cash to invest I will be recapping your ideas and researching them so I understand ...you are getting a better rate than the mortgage. Cool.

edinburgher

Secret_Saving_Squirrel wrote: »

I am always shuffling my dosh too. Can't bear to see it earning anything less than 3% so have loads of different accounts up to their relatively low minimums.

I am aiming to double new mortgage rate of 3.6% :T

Secret_Saving_Squirrel

Excellent, do keep us all posted. Just opened a 6% m and s monthly saver. Always looking for new ideas.