Pay off mortgage and start having even more fun 😁

Watty1

LadyWithAPlan said:

i still go clubbing but I do think when one is younger, more drinks are free and you would drink before you went into a venue.

Or, when younger, have a bottle in one's handbag.  (Did laugh when went to an extremely expensive country house for drinks with some girlfriends and one pulled a bottle of fizz out of her handbag.  Hadn't since anyone do that since my mid 20s)

newgirly

😆 Brillant Watty! You have to admit it’s mse 😉


I’ve a dilemma 😩 friend is getting married next November (2026)  so I looked quickly the date we are on our arctic cruise the same month, checking the website instead of trawling through my emails, and saw the price has dropped - a LOT! This is highly unusual and to my knowledge the only time it’s dropped after we have booked. 

So we paid a low deposit of £49 each (special offer, we will have to pay the rest of the deposit if we cancel of an extra £367) the cruise booking we have is £1550 pp that’s the price to pick your own cabin and dining time, the same exact cabin grade is now £1111 pp 😱 but I could also drop down to an allocated cabin and dining for £902 pp so a huge saving. I would have to cough up the balance of the deposit to cancel and a new deposit so £367 and £270 odd now. 

Or we could transfer it for £25 pp to a different one, there’s not many options except an earlier one on October next year for £949 pp or this year for £1030pp in late nov. I’m not keen on going in October as there is still a lot of daylight and less snow , around 12 hours a day instead of not much at all. 

So do I keep it as it is , happy with date but around an extra £1k 

rebook for this nov - happy with date, happier with price but riskier with everything still up in the air (save about £1k) 

cancel and rebook the same one to save £500 odd but have to pay upfront now to do that around £650 

Also I’m on hold to the cruise company seeing if excursions are already sold out, if they are that’s 2025 off the table. 

My parents are also on this one and their cabin costs are a lot higher! 

Any input welcome, I’m trying to be sensible with money at the moment, so not sure whether it’s better to leave it as it is and pay a lot more or just move it forwards and pay less 🤔

ladysummerisle

What’s that phrase.. you’ve got to speculate to accumulate! Or in this case, save £500! I think it all depends on if you’ve got the available money or credit to do it. The sums make sense to rebook to save otherwise but not if it’ll leave you short. 

newgirly

Thank you ladysummerisle, I’m still unsure, it’s wasting money to save money 😆 I need to take into account it’s more money we lose on the deposit if for any reason we need to cancel next year, but really it’s seems spending to save might be the best option 🤷‍♀️ will ponder some more today….

daisy_1571

I think your 3rd option makes little sense?  I don't think you are going to save money if you are going to lose the full deposit with the added immediate cost that you haven't yet paid the full deposit so its not like money you've already spent ages ago?  Maybe my early morning maths can't see it but I dont see the saving.

Anyhoo, that aside - is the wedding one you will a) be invited to and b) want to go to ?  (I know I cant be bothered with other folk's weddings any more.  A whole lot of hanging around for a ceremony that takes half an hour.  Cba these days 😆 would rather be in my house than waiting on 400 pictures of the bride and groom be taken while guests are standing about waiting to get the meal started 😆 what a grump I am !  I'd love to have the excuse I'm on holiday to get me out of going)  If it turns out you rebook then they change the date or decide to go away or have a very small wedding you might find it would never have been a problem?   I'd say you do what you want and if the wedding doesn't clash then great, if it does well that's just one of those things???   (But maybe that's just me and how I feel about weddings 😆)


Dxxx

Bargainhunter30

I think you should change to this year. After all you've been through you need a treat to celebrate. You've also got to stop thinking in the 'we are poor' mindset, you are so good with money, you can afford a treat and will easily work out a way to pay if off. 

South_coast

daisy_1571 said:

Maybe my early morning maths can't see it but I dont see the saving.

I must admit, I glazed over and stopped reading the different permutations 😅!

Love the thoughts on weddings, Daisy! 

lulabelle1

I’m fairly sure if your exact booking (date, cabin, options etc) are now cheaper than when you booked, you can just call them for a reprice….. ? My friend has done this loads of times…..

daisy_1571

South_coast said:

daisy_1571 said:

Maybe my early morning maths can't see it but I dont see the saving.

I must admit, I glazed over and stopped reading the different permutations 😅!

Love the thoughts on weddings, Daisy! 

😆 🤣 😂 

Dxx

LadyWithAPlan

Watty1 said:

LadyWithAPlan said:

i still go clubbing but I do think when one is younger, more drinks are free and you would drink before you went into a venue.

Or, when younger, have a bottle in one's handbag.  (Did laugh when went to an extremely expensive country house for drinks with some girlfriends and one pulled a bottle of fizz out of her handbag.  Hadn't since anyone do that since my mid 20s)

Fun memory!! I had a friend who had a hip flask designed as a large perfume bottle she would smuggle vodka in..

I also remember a new years eve in the country where everyone's Range Rover boots were full of champagne bottles in cold boxes. One bottle got ordered at the table and then they kept swapping the empty for  a new bottle!