Prosperous soul embraces creativity & mortgage neutrality

jwil

savingholmes said:

Thanks all 💗

The service went as well as these things could. Met up with DS for an hour and found somewhere nice but expensive to eat. Hopefully about to set off home soon. Hours to go yet...

Glad it went well and that you had a chance to meet up with DS

beanielou

Glad that you met up with your DS.
Food for the soul.

savingholmes

Thanks Jwil and Beanie

It was nice spending time with the sis that drove me too - because she has little ones - the car journey there and back was the longest we'd spent together in years uninterrupted by her kids! We both cleared the air on a couple of things that were niggling us that the other had done - and put the world to rights on other stuff - so that was good. 

Very long day though. I was out the house about 12 hours - which was very long for me.  Didn't have to speak to too many other people - just show my face and a little meet and greet. One of my sisters was particularly close to the person that died and was really devastated - that was the hardest part of the day. I went to support her as much as the immediate family. Glad it's done.

Tomorrow, I'm hoping to start decorating my upstairs 'art room' to be. My BIL put up the sit-stand desk last Sunday. So plan to paint the walls white and hang some of my current art work (which I can then photograph and hopefully list for sale). I'm debating whether to cover the carpet with plastic sheeting or buy vinyl. I may go and look at some over the weekend and see what I think. I might start with sheeting and then decide later when I have more spare funds in the kitty - unless I buy vinyl tiles - in which case I might just do it.

savingholmes

Going yesterday - cost me £32 for my share of the fuel money and £46 for mine and DS's meals. He picked one of the most expensive things on the menu. There wasn't much choices of places to eat if you didn't want sandwiches or K or McD. Bless him though - his journey to get to us was an hour and 40 minutes and he then had that to face on his way back too. He got to say hello briefly to my parents and another sis too (as well as spending time with the one who drove me down) which they appreciated.

On tenterhooks for my call with the mortgage co at 11. I can't see why I have to have a special appointment and they couldn't have just moved the date forward to the one I asked. Hopefully it will be quick.

Then I need to have a look for paint, floor protector etc (shop from home) - and potentially start painting my new room. Oh and get dressed. You know the little things...

beanielou

Happy Friday 😊
Hope appointment goes well. 

savingholmes

Thanks Beanie

They said I couldn't do 2 direct debt payments in a month as it was too complicated to work out the interest. So I have a higher mortgage payment for 1 August as they've slipped the direct debt date backwards and allowed for £167 extra interest - and I have made a £620 overpayment today on top. This means I've effectively achieved my aim of knocking a month or more off my mortgage. It also saved me around £300 in interest over the life of the mortgage. Happy with that as before the £ was sat in my account ready to pay but not earning any interest. 

I have just received my PIP report (not decision). So not looking forward to reading that.

badmemory

Hope it doesn't take them long for the PIP to come through.  They rang my son yesterday & asked him a question, which I don't think he answered as he should have but it's too late now, but she told him the payment would continue at the same level.  Which frankily is a massive relief.

savingholmes

Thanks @badmemory

The report seems balanced so now just waiting for the decision. Looks like I should qualify for some support so should be better off.

Not achieved anything today. Have gone to eat at my favourite Italian...

Will see if I have more energy later.

jwil

Well done on the mortgage, and good that the PIP report is balanced.

WelshmansDaughter

Re the PIP report, perhaps you could write a positive report to balance it as well? I write some of Dad's notes using the This Is Me format which focuses on what he likes and how to communicate etc. Which is better than just a long list of negatives.