Learning to walk before I run

South_coast

No, I'm still scratching my head 🤣🤷‍♀️!

edinburgher

Mr E had more money than expected. Mr E made OP. Mortgage go bye bye.

KajiKita

That’s a VERY satisfying OP - delighted for you 😊👏
(And no, I didn’t quite follow how you had spare monies either - but I’m guessing you had budgeted for a further 100% increase and it was actually only a 10% increase, so 90% of the budgeted increase became an OP?) 

KK

edinburgher

Ah, I see, a "more" and a "less" were mixed up! I blame the heat.

Speaking to a mortgage broker tomorrow, I had forgotten how invasive the level of detail they need is!

KajiKita

edinburgher said:

Ah, I see, a "more" and a "less" were mixed up! I blame the heat.

Speaking to a mortgage broker tomorrow, I had forgotten how invasive the level of detail they need is!

Ugh yes, the endless minutiae of how and where you earned your money and then proof of it all … That’s another reason I go for five year deals! 😉😂

KK

rtandon27

Ugh - how annoying to be asked that level of detail!  Which reminds me that I need to do one of two things - put up with my (insert swearword here) horrid manager for another year to secure a decent interest rate or win the lottery! 🤣🤣🤣

ETA - you know I played the lottery and paid the sin tax - the other option might be reality but it doesn't hurt to dream!

edinburgher

I share your pain @rtandon27 - I'm also managed by a micromanager!

Baileys_Babe

edinburgher said:

After a huge increase last year, this year's car insurance is almost 50% less than I had budgeted for I have paid for a new policy and OPed £356.74 left over!

I have also added our mortgage to YNAB (hat tip to @rtandon27 - no idea this was a thing)

I renewed our car insurance yesterday. I paid 8% less than last year. I was expecting the cost to go up as I have increased the cover, reduced the excess, and I currently only have access to one car (first time in 20 years). I was tempted to use the remainder of the money I had saved as a mortgage overpayment, but I've decided against it as we are planning to buy a second car in the next year for the children to learn to drive in (where is the blue shrieking emoji when you need it) and this money will go towards the insurance which is going to be skyhigh.

edinburgher

We all miss the blue shrieking emoji 🪦

newgirly

Hi Ed, just caught up with your diary, glad the kids are recovered now 🙂

Some really interesting posts about helping adult children, unfairness is the thing I worry about with mine more than anything. if I help one out or give them money I do the same for the others too. Everyone does things differently and we have gone along the lines of being quite tight with money when they were younger and hopefully will a bit more generous now they are older and settled. But really it depends on your circumstances and their attitudes, if they expected it they would get nothing 😆