Prosperous soul embraces creativity & mortgage neutrality

WelshmansDaughter

A thoughtful and inspirational list

Moneyfordreams

Great list of all the positives you have. You do carry that forward in supporting others on this forum. Thank you

jwil

That's a fabulous list - love it!

Merlin's_Beard

Fabulous list, so good to see how much you've achieved

savingholmes

Thanks all.

After trying and failing to switch to the £175 offer and messing about with support for an hour - why do they make it so hard??? I have successfully done a switch to a £150 offer. I should get paid in Nov. That does mean that I lose one of my Reg Savers - but I earn more from the switch. I am going to have to ring up I think and ask them to close the reg saver and move the money into the main account before the switch so I retain access to it. I will then move the money to my 5% savings account anyway once I've met the monthly pay in threshold.

Hope you are all having a good start to your week.

lucielle

Well done on the money shuffle.  It's something I need to look into.
L

EssexHebridean

I'm waiting to see if my £175 bank switch goes through OK - I suspect I might end up losing it through as there is meant to be some stuff sent through in the post some of which has arrived but the rest hasn't - and I get the feeling I'm not going to be able to get the access to the online banking in time to not have them decide I no longer want to go ahead. Annoying as it was a super-simple switch of a spare account for a decent return, and one of the rare ones that doesn't have any arduous hoops to jump through to get the switch bonus too! We'll see! 

Good thinking on working out that it was worth losing out on the Reg Saver to get the bonus for the switch.  

LadyWithAPlan

Well done on your life and your list
I am not sure I can be bothered to go through a bank switch as concerned my credit score may be affected when it comes to mortgage applications..

Merlin's_Beard

LadyWithAPlan said:

Well done on your life and your list
I am not sure I can be bothered to go through a bank switch as concerned my credit score may be affected when it comes to mortgage applications..

As far as I'm aware, the only part that any mortgage company might be interested in is if you get overdrafts with half a dozen new bank accounts, because it effectively increases your credit (and even then it might not be a dealbreaker). I have about half a dozen current accounts and it was never flagged as an issue by any potential mortgages.

"Credit score" is an American thing that doesn't really translate over here and each lender has their own criteria.

savingholmes

Thanks Lucielle, Lady, Merlin and EH

I have 4 or 5 bank accounts but kept the one I'd had since the early 90s and put on Exp that is my main account. It helps get around that problem.

Work went well today even though I had to go in. Was nice to have some social. Came home late though having picked up some meds for someone and nothing has gone to plan all evening. I'd just had some porridge as a late tea as it was too late to have anything proper. I am now feeling completely drained. Ah well, tomorrow is another day. Cleaner comes tomorrow. Thursday night I'm seeing my counsellor so will be able to fully vent then!

I have a long meeting I need to finish preparing for. I got kicked out the building when I had about 15 minutes of the report left to write so will need to hurriedly finish it and circulate it before the morning meeting as if I hadn't literally left it to the last minute to do. TBF I completely forgot about tomorrow's meeting until 2pm today so that didn't help!! I've also had a ton of competing deadlines.

Spent more on food this week than planned - which is mainly because I don't have the energy to cook this week. I've therefore ended up freezing the meat I bought and I'm hoping my veg lasts until I am in the mood. Added to that I cooked some YS veg tonight to make soup - but the hob didn't turn itself off like it should have done so by the time I got to it - it was about half the liquid it should have been. I've just shoved it in a casserole dish for now and will see if I have what it takes to deal with it another day. I think I'll end up liquidising at least half of it and trying to add some water - but worry it will then lack flavour.

Tomorrow I could have porridge for brekkie, for lunch I could finish my bacon medallions and have them with poached eggs, baked beans and some hashed browns. After that I could consider pancakes for tea or jacket spud or a toastie. (I'm writing it just as a prompt for tomorrow!)

My fave part of yesterday and today was playing with a new cat toy we've bought which has 8 exchangeable ends for it to pounce on. Tried 3 out yesterday. Today the cat successfully bit off some feathers - but they then ended up stuck on its teeth and it ran away and hid rather than letting DD release them for it.