I wanna be mortgage free!

[Deleted User]

twinklie
yay well done on the word count!! hope you have a bit of a break over the weekend to congratulate yourself!

twinklie

Right i've done no work over the weekend thus far! I did take little Belle to Pets at Home earlier though and she was working her charms left right and centre. She met about 3 or 4 friendly dogs as well. I was really happy with how well she behaved. Although she did slime a toy...but what can you do.

My DH seems to be finding lots to do that doesn't involve me at the minute...he just bought a new toy for DJing. I've been relegated to being unimportant. He didn't even ask how Belle did when we went to Pets at Home. I'm a bit annoyed if I'm honest. I'm getting a bit fed up with the fact that he seems to take me for granted. He cooks etc and seems to think thats him doing his bit. But he only cooks because he doesn't want to wash up. It's not like we are even having a "romantic" meal.

I don't know I think I'm just feeling a bit unloved.

He bought me a picnic mat for my birthday because he wanted to go for a picnic. I have a slight phobia of eating outside whereas he loves it. He also has made no effort or suggestion towards actually having this picnic either. Last year I didn't even get a present, so I suppose i should be grateful. In fact, I don't think I got anything for christmas either. I'm going to read back and see if I did.

EDIT: He did - he got me a freeview + box. He bought it last minute in a panic because I said I wanted one. That in itself bugs me because I listen to him throughout the year and plan stuff for him. Am I being a spoilt brat?

twinklie

Mortgage at start of January: £ 39'767.97
Overpayments in Blue.
Interest in Red.
Balance in Green.

Month: Payment (Std / OP) / Interest (per day) / Net reduction / Balance

January: 450.00 (328.81 / 121.19) / £178.62 (£5.76) / 271.38 / £39,496.62
February: 450.00 (328.81 / 121.19) / £177.48 (£6.34) / 272.59 / £39,224.03
March: 450.00 (328.81 / 121.19) / £176.18 (£5.68) / 273.82 / £38,950.21
April: 450.00 (328.81 / 121.19) / £174.95 (£5.64) / 275.05 / £38,675.16
May: 450.00 (328.81 / 121.19) / £173.72(£5.60) / 276.28 / £38,398.88
June: 450.00 (328.81 / 121.19) / £172.47(£5.75) / 277.53 / £38,121.35
July: 450.00 (328.81 / 121.19) / £171.23(£5.52) / 278.77 / £37,842.58
August: 450.00 (328.81 / 121.19) / £169.98(£5.48) / £280.02 / £37,562.56

Totals: Payment / Interest / Net reduction.
Grand Total: 3'600.00 / 1'394.63 / 2'205.44

Balance outstanding: £37,562.56

twinklie

I've posted this on another board but I'm honestly so annoyed. Thought I'd post it here as well just in case you guys have any suggestions.

Had a bit of an ongoing saga with BT last year when they got all our order information wrong. DH lives away Mon - Fri and wanted to set up a phone and broadband to his new house, but keep what we had at our family home.

So they cancelled the internet at the family home and transfered it to where DH lived. Then we had to set up a new broadband at the family home...very inconvenient at the time because I use the internet at the family home for work.

Anyway, move forward 9 months. DH has moved to a small cottage in a village that has no broadband in it. He asked BT what was his best course of action because he needs fast broadband to do his work. They said there was nothing they could do for him and they would release him from the contract.

Yesterday his ex landlord passed on several letters. One was from BT for £72.09. £25 for canceling broadband - which we didn't want to do (it simply isn't available where he lives now....not our fault). And £44.99 for the equipment. Again, it's not our fault BT can not provide the service.

To add insult to injury, they have yet to close DH's phone line at the old flat and transfer it to his new cottage. So if the new tenant uses the phone DH will be billed for it. And he's going to end up being charged line rental for a phone line he has no access to and has asked to have transfered.

We discovered this when his new landlord called up to find out why they were being billed for DH's calls!!!

Suggestions on what we should do would be appreciated because calling them seems to have no impact whatsoever and their call centre people just fob you off.

twinklie

Home

1. File invoices Done at one house
2. Sort out ISA Just waiting for the paperwork to come through
3. Clean the living room Done at one house
4. Clean the bathroom and shower
5. [STRIKE]Look for 0% interest deal for DH[/STRIKE]
6. Pay tax bill
7. Complete self assessment form

School

1. Write Zoo SOL
2. Write Physics SOL
3. Finish Jungle SOL
4. Plan C1 lessons
5. Plan B2 lessons
6. Plan P5 lessons
7. Plan C5 lessons
8. Plan Psychology SOL - Personality.
9. Develop stand alone lessons for halloween, bonfire night, christmas and valentines day.

University list

1. Write dissertation proposal. I'm 3988 words in! Woo hoo.

Dog

1. Buy Belle an extender lead
2. Get a quote for kennals for when we go on hoilday Waiting for a quote from 2 places.

Just thought I'd bring my to do list on to the new page. Yawn. Not as much has disappeared from it as I would have liked. But hey ho.

SuzieSue

I had a similar problem with BT a year or so ago when they messed up my order and I was without broadband for a month. I found that their Instant Messaging service where you can liaise with a customer service person via IM solved the problem. I composed a list of all the issues before hand and then when I got through to someone, I just copied and pasted it onto the IM box and waited while they read it. They immediately cancelled the bill that I had received from them and they seemed much more competant than the people I had spoken to on the phone. Perhaps I was just lucky, but it might be worth a try.

SuzieSue

Also, sorry to hear about how you feel you DH is treating you. He might be doing it deliberately ( I don't know as I don't know him), but the chances are that he is totally oblivious to how you feel. You really need to speak to him about it and see if he changes the way he is behaving. If he doesn't then he is like my ex partner and I don't know what to suggest. If he does, then he is like my current partner and you are as lucky as I am because not all men are sensitive to women's feelings.

SuzieSue

Also, as someone who doesn't care about birthday or Christmas presents, I can totally understand how your OH doesn't realise how important they are to you. My ex-partner used to buy me presents and then treat me awfully and I always thought at the time that it was very easy for him to buy something nice, it is much harder for him to behave decently throughout the rest of the year. My current partner is wonderful and would like to buy me expensive presents, but I don't let him buy me anything because nothing can top the way he treats me every day.

twinklie

He is oblivious he's just a bit thick when it comes to women. As it turns out though we had a bit of a heart to heart last night and he's been feeling as poo as I have. So fingers crossed we'll both start making more of an effort. Thanks for the IM tip...I might try that as well then.

I've just sorted out my ISA issue as well so thats good. It's going to be a postal account this time...I'm not overly keen on that idea but thats just because I'm a control freak and like to see my nest egg grow. Nevermind, it'll give me a good decent rate, allow me to transfer my other ISA in get the nest egg growing. It's not like I have any plans to withdraw any money from it anyway.

twinklie

As for the presents thing, I'm not that bothered about them. But he didn't even text or call me on my birthday until I text him. Even then the Happy Birthday message was an after thought. I only got the picnic mat because he'd forgotten about my birthday full stop. It's a sore spot because my family always forgot my birthday (and still do) and I was just upset that he did the same.

I'm sure it's just because of the pressure he's under though. I know how hard things are for him at the minute with his work.