BookWorm's MFW Chapter

hiddenshadow

BookWorm wrote: »

Frustrating that the 1st of the month was a weekend day as banks won't update til Monday and I want to know where I am. Gives me something to look forward to though I guess (not sure if that makes me sad or not?!)

You and me both. Annoyingly I got a text stating that the interest has applied to my mortgage, but the payment won't officially go until tomorrow, so it looks like we've gone backwards!

First world problems, I suppose, but it does seem like banks should be able to provide information better - they have all the numbers to hand.

BookWorm

Hi Hidden - I agree that is annoying! My mortgage provider has instant updates with OP's even at weekends so I was surprised I couldn't see my correct balance. Although at least not showing the interest either unlike yours.

I've been having a bit more of a sort out and some of the things I was saving for the Bay of E, I have found I can get more selling them to a well known website. Since that way I won't get stung for postage or fees - seems like a no brainer to me. So £19.47 coming for 3 items and less effort

BookWorm

Flying visit tonight - just wanted to post October figures:

Was - mortgage balance £76,136.25 / LTV 66.20% / Daily Interest £3.86

Now - mortgage balance £75,661.96 / LTV 65.79% / Daily Interest £3.83

I've also knocked another month off :T

A_Frayed_Knot

hiddenshadow wrote: »

You and me both. Annoyingly I got a text stating that the interest has applied to my mortgage, but the payment won't officially go until tomorrow, so it looks like we've gone backwards!

First world problems, I suppose, but it does seem like banks should be able to provide information better - they have all the numbers to hand.

I'm in the horrors every 1st of the month now, as figures in my mortgage account online completely change, nothing added, nothing deducted, yet all figures different (in a bad way). Most shocking of all, is that, if I didn't even out my figures 00.00 then who's to say I would have noticed the figure going up and not down :eek:

Then interest added on, all figures yet again change (?) mortgage money disappears out my account and vanishes. Will appear tomorrow Tuesday :eek:(hopefully) in my mortgage account, but, hey, where's my £5 bonus,arrrgh, nowhere to be seen, even though I paid in more than required every month to receive bonus.

Edit - £5 bonus is now showing, pity it's not in my balance total - yet ! ! !

CathT

Another month knocked off, that's brilliant!

EatingTheElephant

Well done on knocking another month off

User1489

Hi, I share your frustration with the wait for the updates! Having the 1st on a weekend means I am 4 days behind to check everything went through okay - my OCD means I can't rest until it's all settled as I expect. Good side is that it's less of a gap now until payday

I think that knocking months off the end of the mortgage is a very nice stat indeed. I might use a "if i have to revert to just regular payments and not make any more overpayments (if the mud hits the fan), then what month would I be due to finish in" and that's a nice countdown

And with work... well, only you know the situation, but I have always found keeping your head down and doing the best job you can to be key - is that possible for you? Hope it is.

MvM

BookWorm

Thanks Cath, ETE and MVM

Small OP today of £13.57 - another little step in the right direction...

BookWorm

rasputin_thorpedo wrote: »

And with work... well, only you know the situation, but I have always found keeping your head down and doing the best job you can to be key - is that possible for you? Hope it is

It is to a certain extent.....but then I am reliant on other people too... which makes it so much harder. Appreciate the support though

BookWorm

I'm sure I have lots that I want to update on but now I've gotten here my mind had gone blank I think it's a sign I'm tired.... off to chill out...