2015, my year for proper grown up budgetting

diamonds

nappy501 wrote: »

Thank you for that. I use a credit union account for my savings, because it is not too easy to get the money out. I shall think about opening another savings account for short term saving.

Now it is cold, I am really thinking about getting the last of my windows double glazed and my van won't last forever, so it worries me that I am not saving towards these things. I only have my mortgage as debt, for the first time in years. I don't want to take on debt for a new vehicle or for home improvements.

Re-mortgage for the lowest loan apr for windows and a van over a long period and pay extra in when possible over the term.


First Direct have 2 great mortgages, 10 year fixed with no fee at 3.2%
for 10 years, much better than shorter loans with higher APR that you cant overpay.


60% LTV
http://mortgages.firstdirect.com/mortgage-rates/product/10-year-fixed-repayment--fee-saver-ltd-edition~91


75% LTV http://mortgages.firstdirect.com/mortgage-rates/product/10-year-fixed-repayment--fee-saver-ltd-edition~92