Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Dusty on 14 April 2009, 16:06:21
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Our mortgage has been on a fixed rate of 5.99% for the last two years. :-/ :-/
Today ,we received a letter from Bristol and West informing us ,that from next month we will be paying the SVR of 2.99% :y
This saves us £184 each month. :y :y :-* :-* :-*
We still have to pay over £700 each month,but it is welcome news in these hard times.
With low interest rates ,and falling house prices,it is a good time to buy.That is if the banks will lend. :-* :-* :-* :-*
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Our mortgage has just dropped to £221 a month :y
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untill it picks up again and brown sticks the rate up
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Yes Richie and everything else which will have to increase in price to cover the monetary mess this present administration has landed us in. >:( Now is the time for sitting tight ;)
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Kept my re-payments based on just over 6%, reason is its an offset, so paying the extra has reduced the overal term from just under 20 years to just over 11 years in 14 months!!
That to me makes far more sense than reducing the payment by a couple of hundred £ for a few months
Means no shock for me when the rates go back up :)
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I've kept my payments the same, want it paid off!
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I've kept my payments the same, want it paid off!
then you can get a nice mobile second home ;) ;D ;D
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I'm being shafted every which way as I took out a 5 year fixed rate interest only mortgage 4 years ago, it's the only way we could afford to move in to our house !! Twastards.
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Our mortgage has been on a fixed rate of 5.99% for the last two years. :-/ :-/
Today ,we received a letter from Bristol and West informing us ,that from next month we will be paying the SVR of 2.99% :y
This saves us £184 each month. :y :y :-* :-* :-*
We still have to pay over £700 each month,but it is welcome news in these hard times.
With low interest rates ,and falling house prices,it is a good time to buy.That is if the banks will lend. :-* :-* :-* :-*
:-?I am paying £197/month Council Tax!
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Our mortgage has been on a fixed rate of 5.99% for the last two years. :-/ :-/
Today ,we received a letter from Bristol and West informing us ,that from next month we will be paying the SVR of 2.99% :y
This saves us £184 each month. :y :y :-* :-* :-*
We still have to pay over £700 each month,but it is welcome news in these hard times.
With low interest rates ,and falling house prices,it is a good time to buy.That is if the banks will lend. :-* :-* :-* :-*
:-?I am paying £197/month Council Tax!
I'm not far off that, and all we get here is our bins emptied 26 tines a year >:(
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New washing machine time then Dusty??!! :D :D :D :D ;) ;)
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Mine's fixed so no savings for me but at least i'm paying off a bit more every month & no nasty shocks later. An agreed amount over a given term means exactly that. Those saving now will be playing catch up later. My monthly repayment is less than a weeks wages. I'm safe. :y
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Our mortgage has been on a fixed rate of 5.99% for the last two years. :-/ :-/
Today ,we received a letter from Bristol and West informing us ,that from next month we will be paying the SVR of 2.99% :y
This saves us £184 each month. :y :y :-* :-* :-*
We still have to pay over £700 each month,but it is welcome news in these hard times.
With low interest rates ,and falling house prices,it is a good time to buy.That is if the banks will lend. :-* :-* :-* :-*
:-?I am paying £197/month Council Tax!
I'm not far off that, and all we get here is our bins emptied 26 tines a year >:(
I get mine both weekly but that's only because the Council had to buy a special, smaller truck that would fit down the narrow lanes in the district, otherwise they planned to make us revert to plastic bags (to which we objected vociferously)
Apart from that we get nothing for the money - no street sweeping, never seen a Copper (unless son-in-law visits off duty), I can't swim so don't use the pool, kids are 32 & 34 so don't attend school.
Perhaps Council Tax should be charged on what services are used by those who pay them?
Discuss......
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£197 a month my god. i get discount for being single so mines £86 a month to empty the bins and throw half of it in the rd and leave it there. havent ever seen a rd sweeper since ive moved round here
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£197 a month my god. i get discount for being single so mines £86 a month to empty the bins and throw half of it in the rd and leave it there. havent ever seen a rd sweeper since ive moved round here
Band F!
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Cash is King right now - hold onto cash. Even though you dont get much for it in intrest.
My mortgage has also crashed through the floor but still paying it at my old rate - will be mortgage free before i am 40.
Currently paying more in Ebay fees each month than my mortgage :o
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New washing machine time then Dusty??!! :D :D :D :D ;) ;)
For the last two weeks Lizzie ,I have been washing the clothes in the bath. :-/
Mr Dusty does not help as he says that washing clothes is "womens work". :-/ :-/
sooner rather than later Mr Dusty WILL BUY ME a new washing machine. :-/ :-/ :-/
He is very good to me in many ways ,but,he will not do any cooking, cleaning or other domestic chores. :-/ :-/ :-/ :-* :-* :-*
When/if I get my book published , Mr Dusty will have none of the money. ;D ;D ;D :-* :-* :-* :-*
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New washing machine time then Dusty??!! :D :D :D :D ;) ;)
For the last two weeks Lizzie ,I have been washing the clothes in the bath. :-/
Mr Dusty does not help as he says that washing clothes is "womens work". :-/ :-/
sooner rather than later Mr Dusty WILL BUY ME a new washing machine. :-/ :-/ :-/
He is very good to me in many ways ,but,he will not do any cooking, cleaning or other domestic chores. :-/ :-/ :-/ :-* :-* :-*
When/if I get my book published , Mr Dusty will have none of the money. ;D ;D ;D :-* :-* :-* :-*
I Didnt know your birthday was coming up!
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Our mortgage has been on a fixed rate of 5.99% for the last two years. :-/ :-/
Today ,we received a letter from Bristol and West informing us ,that from next month we will be paying the SVR of 2.99% :y
This saves us £184 each month. :y :y :-* :-* :-*
We still have to pay over £700 each month,but it is welcome news in these hard times.
With low interest rates ,and falling house prices,it is a good time to buy.That is if the banks will lend. :-* :-* :-* :-*
:-?I am paying £197/month Council Tax!
I'm not far off that, and all we get here is our bins emptied 26 tines a year >:(
I get mine both weekly but that's only because the Council had to buy a special, smaller truck that would fit down the narrow lanes in the district, otherwise they planned to make us revert to plastic bags (to which we objected vociferously)
Apart from that we get nothing for the money - no street sweeping, never seen a Copper (unless son-in-law visits off duty), I can't swim so don't use the pool, kids are 32 & 34 so don't attend school.
Perhaps Council Tax should be charged on what services are used by those who pay them?
Discuss......
Look out for the truant officers .They are very hot on non- attendance these days . ;D ;D ;D ;D ;D ;D :D :-* :-* :-*
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New washing machine time then Dusty??!! :D :D :D :D ;) ;)
For the last two weeks Lizzie ,I have been washing the clothes in the bath. :-/
Mr Dusty does not help as he says that washing clothes is "womens work". :-/ :-/
sooner rather than later Mr Dusty WILL BUY ME a new washing machine. :-/ :-/ :-/
He is very good to me in many ways ,but,he will not do any cooking, cleaning or other domestic chores. :-/ :-/ :-/ :-* :-* :-*
When/if I get my book published , Mr Dusty will have none of the money. ;D ;D ;D :-* :-* :-* :-*
I Didnt know your birthday was coming up!
Not far off Jimbob.
Mr Dusty probably thinks that I may like a nice cordless makita drill set.I despair. :-/ :-/ :-* :-* :-* :-*
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New washing machine time then Dusty??!! :D :D :D :D ;) ;)
For the last two weeks Lizzie ,I have been washing the clothes in the bath. :-/
Mr Dusty does not help as he says that washing clothes is "womens work". :-/ :-/
sooner rather than later Mr Dusty WILL BUY ME a new washing machine. :-/ :-/ :-/
He is very good to me in many ways ,but,he will not do any cooking, cleaning or other domestic chores. :-/ :-/ :-/ :-* :-* :-*
When/if I get my book published , Mr Dusty will have none of the money. ;D ;D ;D :-* :-* :-* :-*
Sounds to me Dusty as though it is time for industrial action with a good old fashioned strike!! :-X :-X :-X
The eight demands on the management I suggest should be:
1. Equally shared domestic responsibilities
2. Equal pay & conditions
3. The banning of slave labour (including sex)
4. Maximum 30 hour working week
5. All Bank Holidays work free
6. Sundays and bank holidays - breakfast in bed for you
7. Minimum 10 weeks holiday a year
8. All domestic appliances (washing Machines) supplied and ready on demand, with replacements supplied within 24 hours of failure
;D ;D ;D ;D ;D ;D ;D ;D ;)
I'll always be your shop steward!! :D :D :D ;)
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Our mortgage has been on a fixed rate of 5.99% for the last two years. :-/ :-/
Today ,we received a letter from Bristol and West informing us ,that from next month we will be paying the SVR of 2.99% :y
This saves us £184 each month. :y :y :-* :-* :-*
We still have to pay over £700 each month,but it is welcome news in these hard times.
With low interest rates ,and falling house prices,it is a good time to buy.That is if the banks will lend. :-* :-* :-* :-*
Keep paying the higher payments if you can.
We kept paying the higher one when the rate reduced, lowers your overall term you have to pay.
Glad my house is paid for...........then interest rate was up to 15%
Mick
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New washing machine time then Dusty??!! :D :D :D :D ;) ;)
For the last two weeks Lizzie ,I have been washing the clothes in the bath. :-/
Mr Dusty does not help as he says that washing clothes is "womens work". :-/ :-/
sooner rather than later Mr Dusty WILL BUY ME a new washing machine. :-/ :-/ :-/
He is very good to me in many ways ,but,he will not do any cooking, cleaning or other domestic chores. :-/ :-/ :-/ :-* :-* :-*
When/if I get my book published , Mr Dusty will have none of the money. ;D ;D ;D :-* :-* :-* :-*
Sounds to me Dusty as though it is time for industrial action with a good old fashioned strike!! :-X :-X :-X
The eight demands on the management I suggest should be:
1. Equally shared domestic responsibilities
2. Equal pay & conditions
3. The banning of slave labour (including sex)
4. Maximum 30 hour working week
5. All Bank Holidays work free
6. Sundays and bank holidays - breakfast in bed for you
7. Minimum 10 weeks holiday a year
8. All domestic appliances (washing Machines) supplied and ready on demand, with replacements supplied within 24 hours of failure
;D ;D ;D ;D ;D ;D ;D ;D ;)
I'll always be your shop steward!! :D :D :D ;)
I blame the suffragettes for all this feminist clap trap Ms Zoom ::) ::) ::).......................women were more than happy........... to work long hours............and in piss poor conditions........ in order to keep their men happy. ;D ;D ;D.......................all this "votes for women" 'dangle berries'......has led to mens emasculation over the years.................Those Pankhurst women have a lot to answer for. :y :y
Although I'am pretty liberal minded on most topics ..............I'am with the Taliban............... when it comes to knowing where a woman's place is. :y :y
I feel sure that you will agree with me on this one Lizzie. ::) ::) ::) ;D ;D :y
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New washing machine time then Dusty??!! :D :D :D :D ;) ;)
For the last two weeks Lizzie ,I have been washing the clothes in the bath. :-/
Mr Dusty does not help as he says that washing clothes is "womens work". :-/ :-/
sooner rather than later Mr Dusty WILL BUY ME a new washing machine. :-/ :-/ :-/
He is very good to me in many ways ,but,he will not do any cooking, cleaning or other domestic chores. :-/ :-/ :-/ :-* :-* :-*
When/if I get my book published , Mr Dusty will have none of the money. ;D ;D ;D :-* :-* :-* :-*
Sounds to me Dusty as though it is time for industrial action with a good old fashioned strike!! :-X :-X :-X
The eight demands on the management I suggest should be:
1. Equally shared domestic responsibilities
2. Equal pay & conditions
3. The banning of slave labour (including sex)
4. Maximum 30 hour working week
5. All Bank Holidays work free
6. Sundays and bank holidays - breakfast in bed for you
7. Minimum 10 weeks holiday a year
8. All domestic appliances (washing Machines) supplied and ready on demand, with replacements supplied within 24 hours of failure
;D ;D ;D ;D ;D ;D ;D ;D ;)
I'll always be your shop steward!! :D :D :D ;)
I blame the suffragettes for all this feminist clap trap Ms Zoom ::) ::) ::).......................women were more than happy........... to work long hours............and in piss poor conditions........ in order to keep their men happy. ;D ;D ;D.......................all this "votes for women" 'dangle berries'......has led to mens emasculation over the years.................Those Pankhurst women have a lot to answer for. :y :y
Although I'am pretty liberal minded on most topics ..............I'am with the Taliban............... when it comes to knowing where a woman's place is. :y :y
I feel sure that you will agree with me on this one Lizzie. ::) ::) ::) ;D ;D :y
My God, I think I slipped into a time warp to the 19th century Optimist :o :o :o :o But, there again it is the OOF!! ;D ;D ;D ;D ;D ;D ;D ;)
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Cash is King right now - hold onto cash. Even though you dont get much for it in intrest.
My mortgage has also crashed through the floor but still paying it at my old rate - will be mortgage free before i am 40.
Currently paying more in Ebay fees each month than my mortgage :o
same age i became single again :y :y