Get a grip woman!

Karmacat

Not many more plods to go! To be honest, I'd love a bit of time now when it all just rolled over, the constant re-arranging is starting to drive me crazy ...

Suffolk_lass

You do seem to have rather a lot of rearranging going on! I might need to fiddle to change the payment dates of one or two things next month as I think my pension monthly date is around a week later than my former pay date, so I am leaving a good buffer in there to make sure all runs smoothly.

Karmacat

I'm moaning sorry, but its a special case of rearranging, with all that probate money suddenly arriving


Payment dates are important, aren't they - I'm still getting used to that.


Have a lovely evening

Suffolk_lass

I never mind other people having a little vent over here - you carry on! It has been quite a year for you, what with all the to-ing and fro-ing.

Yes, payment dates - most people will let you move them with no fuss. I will leave most but there is a little rush of things on or about the first of the month. Plan B is to leave them all alone and just leave a little cushion in the account. As I usually Tilly Tidy when the money comes in I suppose it does not matter really

Karmacat

:kisses3: thank you! Much appreciated

Suffolk_lass

Hooray! DS and I have sorted the new FF at his house this morning. The Chimp (official term for bodger the builder) who put the skirting board on used three inch screws to attach it to the wall, so what was intended to be a quick bit of prising of 2-inch board of the wall (assumed it was pinned or stuck) almost turned into full scale excavations!

One hour of tag team banging, crashing, sawing, screwing and prising and we got it done. Then we had to run the electric cable from the bottom right of the FF to the socket in the top left corner, eventually achieved by virtue of some long-handled kitchen tongs, a thin Son, and me wedged into the cupboard next door, clinging on to the plug while he squeezed out of a very narrow gap between the FF and the cupboard I was in - it was almost Laurel and Hardy-esque :rotfl: :eek:

I must say it looks lovely here. I am rather envious.

Touchingly he sent a pic of it to his two housemates! It was supposed to be delivered on Monday so we had emptied and insulated everything frozen in an ice chest on Sunday night. Then the delivery people phoned to say that their van had broken down and the soonest would be Thursday or the following Monday. DS was asleep when they rang (works shifts) and only half awake when they called.

I have been in dialogue with John Lewis this week:

I went into the local store, and asked about some compensation as all the chaps' frozen food will be wasted - they can't see online orders so gave me the number

I rang customer services and asked for £10 each for each of them - so £30 - they offered £20 as a credit. I asked for vouchers as I won't use them for an online order again after this experience. Apparently this is too hard. I asked the operator to escalate it and was given some old flannel story (implies JL have outsourced this). I asked again to speak to a Manager - none there. When I said I would write to the Chief Executive in person she offered to send an email to escalate it so I said OK. That was on Tuesday.

So next stop is CEO and Times Group Newspapers' consumer champion. I did not think £30 was over the top between 3 young men but apparently it is.

Karmacat

Good for you, SL - there are consequences to delays, after all. JL have really, really gone downhill, haven't they, they used be streets ahead of everyone else in terms of quality and customer service. Very sad.

Suffolk_lass

I have set myself up a little interest-saving spreadsheet.

If there are no interest rate rises between now and 2023 (when my mortgage is due to end), and if I was not overpaying, see revised post - this was all wrong!

[STRIKE]54 months would have been £3269.70 in interest.
With my overpayments since retiring, I have saved £1193.40 over that period

- now down to £2076.30 - still 54 monthly payments to go until the end of mortgage date.[/STRIKE]

Karmacat

:j:j:j you star! Both for doing that, and knowing it!

Suffolk_lass

So much for my interest tracker - I clearly got that wrong! I have mis-counted and have 42 months left in the mortgage term, not 54!