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Travelling On

edited 30 November -1 at 12:00AM in Mortgage-Free Wannabe
5.9K replies 262.7K views
1560561563565566594

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  • KarmacatKarmacat Forumite
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    Gosh, badmemory, that sounds like bad *current* experiences, sorry to hear that.

    Thanks Ed!  Must pop over and check how you're doing, SL mentioned on another thread you'd managed to lose a stone, which is exactly what I need to do.

    I just tried to buy a small amount of premium bonds, to link up the accounts so I can send a big payment next week.  Sadly, came unstuck with the blocked debit card :( blocked only because I'm in the middle of changing the pin, and I abandoned the task halfway through.  I can only fix it at an atm, and I've scheduled a visit early tomorrow morning, when very few people should be about.  So I should be able to start the premium bond process tomorrow evening.  So I won't be able to tick the whole thing off till later next week.  That's okay, better than nothing.  In the meantime, I've found that I haven't listed my premium bonds on my safety backup list, so I can happily do that.  After that, it might be half an hour of snipping at things in the garden, as the rain has finally stopped.  
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    Not counting this! 2020
    Garden fencing completed, woohoo 2021
  • edited 16 January at 3:48PM
    Cheery_DaffCheery_Daff Forumite
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    edited 16 January at 3:48PM
    Ooh, interesting you've gone for premium bonds KC - is that in lieu of a savings account? Ours has dropped to 0.01% interest or similar, so I need to do some shuffling, but keep putting it off because it's so darn dull :joy: But given the way interest rates are I did wonder whether having it in premium bonds might add a little tiny bit of excitement :joy: Although I do have £5 worth that someone bought when I was born, which have won literally NOTHING in the last 40 years, so... :joy:

    Will go and investigate Martin's position (and you've reminded me to jolly Mr Cheery along in ordering a new debit card, his snapped several months ago and we've just been relying on mine since - much easier now we're not actually going anywhere but I would really prefer it if we both had one!)


    Mortgage end date at start: Feb 2043
    Mortgage end date now: Feb 2033
  • KarmacatKarmacat Forumite
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    Hi Cheery :) I *think* Martin's a bit doubtful of their value - it recently decreased again.  But rates are generally rubbish, I need to keep the interest earned low for next year as I'm now getting the state pension, and though it may not be the best, it's better than nothing, which is what it was literally earning before :blush:   I still have £200 in there from years and years ago, and if I'm putting lots more in, then you never know, I might win the million pounder, and finances will get a *lot* easier  :D  

    It's a good thing I started to do it today: I tried to put premium bonds onto my safety backup list, but getting back on to the NSI website and fully logged in/proving my identity, took more than half an hour, there's a lot of ID stuff to go through, which is fair enough.  So that's a job well done.

    Totally agree that having two cards between two of you is a lot safer - if yours snapped too, you'd have to do it all at emergency speed, which is when mistakes happen.  I know whereof I speak  :D

    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    Not counting this! 2020
    Garden fencing completed, woohoo 2021
  • Cheery_DaffCheery_Daff Forumite
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    Ah, we may have been just going through the similar ID checks palaver - mine exacerbated by the fact that I never changed the address when I moved house (at least I don't think I did) so can't even register to look at things online until I've done that. First form filled in though, so stage 1 complete - tick!
    Mortgage end date at start: Feb 2043
    Mortgage end date now: Feb 2033
  • edinburgheredinburgher Forumite
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    @Karmacat - afraid the answer is basically meat and eggs!
  • shangaijimmyshangaijimmy Forumite
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    I'll celebrate for you tonight! ;)
    MFW: Was: £136,000.......Now: £70,224.68......
    Mortgage Neutral Deficit: £59,185.53... Mortgage Neutral Savings: £11,039.15
    MFiT-T5 #8 - £14,635 of £23,100 (63.35%)
    1% Mortgage Challenge - £41.65 of £705
  • KarmacatKarmacat Forumite
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     First form filled in though, so stage 1 complete - tick!
    Yay!  I love ticks :) 
    @Karmacat - afraid the answer is basically meat and eggs!
    You know what, that's the only sort of time that I'm jealous of meat eaters - it's *so* easy to have lots of different tastes and just be eating meat of one sort or another :) 
    I'll celebrate for you tonight! ;)
    Thanks Jimmy!  
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    Not counting this! 2020
    Garden fencing completed, woohoo 2021
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