never ending debt free diary

Bobarella

Ouch! :beer:

Huskyrunner

Well todays diary a nsd

I walked our 4 big dogs earlier, walking 4 huskies that race is abit like what can best be described as a 4 mile drag.

After that i got home too find my oh had made a mince and dumplings dinner with a bottle of trooper each.

The rest of night we are gunna spend vegging we have got into watching Jessica Jones on netflix evil David Tennant.

Right i best get back too surveys!

Bobarella

I enjoyed Jessica Jones. David Tenant is a great actor isn't he. So much range.

Huskyrunner

We have just finished season 1 of it contemplating Luke Cage next.

i love David Tennant my favourite Doctor too

Bobarella

OH has been watching Luke Cage. The music is quite addictive.

DT was a fab doctor. Took me ages to warm to Matt Smith after him.

Huskyrunner

You see i loved Matt Smith he was different but i thought brilliant

Peter Capaldi is ace to but is getting a ruff ride but thats due too !!!!!! writing Stephen Moffat is out of his head a bit and the writing has gone too pot

Huskyrunner

Question for you guys what would you do?

I had a phone call early off a lady from one of these companies that ring you up and try and get you a better deal on your mortgage. I spoke too the company about 4-5 years ago and they have obviously kept my details and called me back. Re our mortgage we were with Ge money but 6-8 months ge money sold off part of there mortgage business and switched us too Kensington mortgages.

Everything with Kensington seems fine, we owe 69700, our repayment is 416 pm but we were paying 450 due too the low base rate at the minute. The next two payments on our mortgage are 485 with me being off work and on ssp we got a little bit of arrears.

Our monthly interest is around 230-240 pm (with Kensington you can check your account online).

The woman on the phone was adamant she could save us money on our mortgage I am just thinking would it be worth it?? I think the interest we are paying is 3.5 above base.

They are calling back in 2-3 days.

EssexHebridean

I'd say take it as an interesting idea, but look at the MSE Mortgage calculators, and also consider talking to another broker? I *think* there was something about mortgages in the weekly email this week? Remember to factor in any early repayment charges, and also fees for new deals. There are certainly some amazing rates out there at the moment, and the thinking seems to be that they may not last that much longer, so possibly a good time to look around.

I assume you'd look at leaving your monthly payment at the level it is, and so reducing the term a bit?

:rotfl::rotfl: at the idea of you at the end of the lead with 4 huskies going full-tilt! Must be a wee bit like water skiing, only without the water?!

That Guinness West Indian Porter is nice - I'm afraid you can keep your Trooper though! :rotfl::beer:

Huskyrunner

Well our mortgage was initially taken out over 30 years basically as we were both mid 20's and at the time we took out our mortgage through a packager as my partner had high debts. The mortgage was initially 8percent fixed for 2 years and the payments were quite steep around 700-800. We would look at reducing the term at the time ie 2007 this was all we could get on 100 percent mortgage.

Yeah i was thinking that re rates as we are gunna be here at least another 2-3 years the state of our debts.

Re monthly payment i think yeah i would leave as is ie 450 mark untill our debts are gone then i would pay 500-550. I will check out the calculators you mentioned and do a bit digging about.



Yeah with the dogs it can be like that lol

I wear one of these and the dogs are clipped too it by carabiner and i use 8 foot bungee leads which are great.

Its fine in the dry but in the wet/ice etc i wouldnt walk so many. I follow the principle if they can pull me on a rig at 20-30mph if i go flying i am screwed lol
We were at a race once with our dogs and a guy fell off his rig with his 8 dog team (8 huge boys) and he had clipped himself too his rig :-( the dogs dragged him a mile with bits of the rig slowly falling off as they pulled him and the rig.


http://www.outdoors-online.uk.com/p/4591/Mountain-Paws-Dog-Lead-Shock-Absorber?gclid=CjwKEAiApLDBBRC8oICb9NvKsg0SJAD9yOHsFzHicZYdtTMOYgjinewNYHG7FICMWR2onq6y8SCqdxoCbhjw_wcB

http://www.sassdogequipment.co.uk/dog-walking-belt/

Good taste re the Guinness i like the dublin porter too and the nigerian import one they do too.

Huskyrunner

Old o/d account 5512.08 On an agreed plan for 3 months
Catalogue. 2380.94
Payday loan. 1606.62
Pay Loan. 1363.15 payment arrangement just set up
Bank loan. 1000.24 On an agreed plan for 3 months
Catalogue. 912.82
Loan. 830.50
vodafone 642.74
Lowell 511.71
Vehicle loan. 371
Pay loan. 350.75
Pay loan. 329.31
Moto mile. 284.60
1st credit. 225 plans in place with the company
Pay loan. 192.08 settlement offer received
Zinc 401.71 approx waiting on them getting in touch with the balance


16915.25

I need too update and check a lot of these balances later but this is here for me as a figures guide. I have left step change and i am sorting everything myself i will update this again later.

I cant do bot all until i am back too work but i have good news re that :-)

I have being cleared too return a week on monday phased return i dont have to cancel xmas lol