2008 MFW newbies

twinklie

Hmmm....gutted. Got the statement through today...my updated totals are on my signature. I was hoping we'd paid off more. Still, we cant really afford to up the payments right now so I guess I'll just have to be happy with that.

Currently another 16 years to go! Hmmm....

violetblue

Woo, interest rates have been cut again,:j that can only be good news for all us MFWs!

My lender (Halifax) have already said that they will pass on the rate cut to customers, as have Nationwide, Abbey, Natwest, Royal Bank of Scotland, and many others.

Looking forward to getting my letter from Halifax with my new monthly payment on, so I can see the effect my overpayments have had!

elantan

that is great news i'm happy for all you people that it will have a positive effect on....i'm still plugging away at my mortgage not as much this month as last month as hubby wont get as good a wage in but every little bit i can spare except the stupid £50 candles (there's a confession right there) but i think that has been a sore lesson learned

Daft_Pegasus

Can you not take the candles back for a refund?

elantan

you know i should i really should but i'm thinking if i keep them they will eat away at me and shame me into not spending again (this is kinda dreaming i spose) the visa has not left the envelope since which is a good thing (well for me it is) i have lifted this weeks budget out and banked all my pennies i am more determined than ever now

Daft_Pegasus

Take a photo of them and put it on your wall/fridge to remind and shame you. Then get your £50 refunded and take a photo of that too. Put it next to the photo of the candles and pay the £50 off your mortgage!

That way you'll have both the shame and joy (plus a further reduction of your mortgage):T

elantan

ohhh your smart never thought of that one ....i wonder will they take them back without a reciept i will return them tomorrow then

bellsbells

elantan wrote: »

that is great news i'm happy for all you people that it will have a positive effect on....i'm still plugging away at my mortgage not as much this month as last month as hubby wont get as good a wage in but every little bit i can spare except the stupid £50 candles (there's a confession right there) but i think that has been a sore lesson learned

Candles??? Did I miss something??:rotfl:

elantan

oh yeah i started a whole thread on the bl00dy things

http://forums.moneysavingexpert.com/showthread.html?t=721355&highlight=elantan if you really want to see it ....

kezza12

i'm with bells, candles? £50? candles that cost £50? .....£50 for the cost of candles????!!!!!! are they made of gold?anyway.... hubby sold his car so £200 is going into business bank £200 going into bill bank and an extra £200 is going onto morgage at end of month as well as whats in the piggy and left over in the bank...or i might leave what's in piggy and make a lump sum payment at end of year.....but what if somthing comes up and i spend it on that.... tben i will be annoyed with myself:eek: omg what should i dooooo:wall: