I wanna be mortgage free!

earthgirl

I did the holiday thing for my OHs 40th he loved it.I am expecting a similar treat for my 30th next year! I booked through a discount last minute operator. My other choice would have been an experience of some sort, but I thought a holiday was much better!

twinklie

Thanks for the ideas guys.
Yeah I want to do a weekend break but it has to be up in the NW. I don't fly well and the drama that would accompany a trip away for the weekend (not to mention the cost) would be too much (for both of us).

So I was thinking somewhere a bit country. Any ideas of any good hotels or ideas for what I could make sure we had with us...or to do would be greatly appreciated. Anyone?

Trying_to_be_good

We went to the MacDonald Bath Spa for my OH's 40th, we got a great deal and amazing food, wine and spa - I think they have some places up north (and they're on topcashback) - plain website is www.macdonaldhotels.co.uk.

twinklie

I'm thinking romantic break (not too expensive) and SPOIL him rotten. Hobbies...hmmmm....he has many, snowboarding, mountain biking, photography, walking, sleeping, eating....

chirpchirp

Sounds like a weekend in the lakes is called for. I once stayed in a lovely hotel in Windermere on the edge of the lake but I really don't have a clue what it was called.

twinklie

Hmmm....we both LOVE the lakes. But having only ever camped there I have NO CLUE about affordable but luxurious accom. I should point out that it will be our 2 year wedding anniversary the week after as well so we should probably try and kill 2 birds with one stone!

earthgirl

I always seem to get the best hotel prices of laterooms.com, some of the prices are way below advertised prices. Do you know anybody with a rental cottage in the NW? My dad has one in the NE and normally lets friends etc stay for the cost of the heating in December, as its not normally let out at that time.

Saying that, I'm going next weekend, as haven't been on holiday this year - thanks dad

twinklie

Nope, nobody I know has anything like that...unfortunately. My friends and family are useless!! :rotfl:

Looking at our mortgage payment protection insurance and not sure if it's really appropriate anymore. Mortgage is in DH's name as it his house but we both pay the mortgage. In fact, I pay more. But MPPI is only for him....it seems unnecessary for what it is really.....

What do others think?

twinklie

Another load of expense comes from the pipes, connectors etc involved in plumbing in the new bathroom. We are removing the old soil pipe etc from the back and replacing it - the one we have got isn't long enough. And apparently we are missing another component as well! I despair at the amount of money we are spending recently. It's quite worrying.

Really need to cut back and claw back some money....but how?

Queen-Bee_2

twinklie wrote: »

Looking at our mortgage payment protection insurance and not sure if it's really appropriate...it seems unnecessary for what it is really.....

What do others think?

Hello Twinklie - I've paid around £58 pcm MPPI for years and years. Like you, there were times when I wondered if it was really worth it. I'd had a senior position within a small company and had been there 11 years.

Recently however, I was made redundant and am now in the process of making my first claim. This is quite nerve wracking, as the redundancy process isn't always that clear cut in terms of procedure etc, and I've yet to hear when my claim will actually be paid (they keep coming back and requesting more information).

But without MPPI, I'd be in a much more pressurized position - hopefully the claim will go through without a hitch (seems like tempting fate to assume any insurance company will fork out without some kind of hassle). This will provide a minimum cushion that will cover my basic costs until i find a job that really fits my skills, rather than just take anything to pay mounting bills.

Job Seekers Allowance is frighteningly low. £60 doesn't even touch the sides and in the current climate, it may take some time to find work!!

Don't want to frighten anyone here, but believe me, right now I'm glad I took the cover. Redundancy can happen to anyone - especially if you're working in an SME.

QB