Elite 11+ Where everyone is welcome :)

dipdap

bubbs wrote: »

dip i take it is dd1?

Yup, this one's the clumsy child :rotfl:
Ive only ever been A&E once before the kids and It was her, when she was 2, she fell over and headbutted a table corner with her eye :eek:

dipdap

bubbs wrote: »

Sorry to pee on your bonfire we were there 5 hrs:eek::eek: but it was later and was a thurs evening

It best not be that long :eek:
My phone will be dead by then :rotfl:

Perranlady

Hi Chrisv

I think the best way to use them is on a self-scan till, you can buy anything that is in a meal deal or multi-buy, take the individual cost of the items to add up to £25 scan the coupon, then press finish and pay!! My vouchers ran out on 31st July, great whilst they lasted!! (not that I used them but DD at uni in Plymouth made good use, great for student budget)

emerald21

karlie88 wrote: »

:eek:

Yep, usually check once a week as new offers come and go.

Will post good deals here then.

I still haven t received my Warwick Castle ones yet that's why I need the live chat

cjj_2

karlie88 wrote: »

:eek:

Yep, usually check once a week as new offers come and go.

Will post good deals here then.

Thankyou, you are a :starmod:
Xx

bubbs

dipdap wrote: »

Yup, this one's the clumsy child :rotfl:
Ive only ever been A&E once before the kids and It was her, when she was 2, she fell over and headbutted a table corner with her eye :eek:

:eek::eek::eek:

dipdap wrote: »

It best not be that long :eek:
My phone will be dead by then :rotfl:

No should be quicker as you havent got the drunks yet

Dizzy_Ditzy

Mir! wrote: »

Ooooh....something similar happened to me last week!!! I didn't notice til I was ironing(:o) some pillowcases and the iron hit a patch of gunk which, with the heat of the iron, ended up welded into the fabric and spread over the soleplate of the iron. Then I noticed other patches of the stuff stuck all over the washing. It looked rather like undesolved bits of the outer pod. It took two further washes in ordinary washing powder to get the rest of the gunk out of the washing and I had to use some fine sandpaper to get the goo off the iron, which has destroyed the non-stick coating on the soleplate. After reading your post I have pinged off an email to P & G ........

They gave me a phone number to ring and the young lady was very helpful

Hope you get a good response from them. Shame about your iron though :cool:

hornetgirl

mhoc wrote: »

Please can anyone confirm if they did a
Sada v !!!!!! shop
Today and the APG picked up on the !!!!!! price of 70p for the veg nuggets?

Thinking of lists again to go with cashback
- dentastix to go on the Sada v Morrisons list with JF
- Sada v sainsbobs list - try me free on activia yog
- veg nuggets to go on the Sada v !!!!!! list

But which list to put the volvic onto? Or the fish fingers

Yes, I got the veg nuggets in A today and they compared as we would wish them to v T

Arthien

mhoc wrote: »

thanks for this, it is something I didn't know and its slightly worrying. Not that anyone would ever give us a mortgage now but somewhere in the next 5 years or so offspring will be doing so.

I've got huge credit limits on some of my CC cards even though my spending is very low on them- under a hundred a month if that. I've got New Look and Evans CC cards hardly used - the promised discount vouchers have never arrived from them, possibly better cancelled but one has a positive balance on it.

then their is the Ikea card which we use in the caf! so maybe a £20 spend every few months but its there for the odd big spends maybe once a year.

I noticed on that noodle website it does actually list your cc card credit limits - do the financial experts on the group advise getting your CC limits lowered to more sensible levels or would lowering the levels also leave a black mark on your credit record?

Also can I ask the financial experts on the group are student loans counted as one of your commitments - I expect it is - I am thinking of eldest child and BF.

Also eldest child uses the scheme whereby her employer lends her the money for her annual travel pass and she pays this back through her salary - so this is another commitment?

I'm definitely not a financial expert, but hopefully I can help a bit

What is advised in terms of having credit when applying for a mortgage is different from when you're applying for more credit.

You/offspring would want to show that you/they can have credit and manage it well (always paying it off, not paying interest etc), but not have too high a level available to you. If you've never had credit then it would be hard to prove you can manage credit and repay on time, like the mortgage company would want, but if you have too much available then they don't like the risk that you could spend it all and choose to not repay the mortgage on time each month.

Student loans didn't used to be counted but they are now, but DH and I didn't find that it affected us at all, they're a very small percentage of our salaries.

When applying for a mortgage, the lender would look at all necessary outgoings as commitments, so that would include travel costs. For example, I had to list my £55ish/week petrol as an expenditure (they basically made us do a Statement of Affairs type thing, like they do on the debt-free board), even though I pay for it outright, it's still money being spent that won't be available to repay a mortgage, if that makes sense?

I have to say, the mortgage pages on here and the house-buying board were invaluable to us last year, I don't know how we'd have managed it otherwise

hornetgirl

Poppy is a very kind and generous dog :D:D