Just got a letter in the post from AIB....

dodzy

...stating I've 1 more repayment of 60 ( €510.24 per month ) due out of my bank tomorrow. Seriously, best correspondence from anyone, let alone a bank, that I've ever receive in my 46yrs on this planet

cherryghost

Congrats man!

eamonnq

Start saving it away every month from now on, you won't even miss it!!

AnonoBoy

eamonnq wrote: »

Start saving it away every month from now on, you won't even miss it!!

No! Go on a bleedin' holiday.

Enjoy yourself.

aaronjumper

Celebrate by taking out a loan!

Don't do this. Nice one dodzy.

esforum

enjoy the first one or two then put at least half away

The Backwards Man

Withdraw it and stick it all on Qualando in the 4.10 at Taunton.

If it loses, fcuk the bank.

If it wins, fcuk the bank too!

ejabrod

Whatcha buy for €30k 5 years ago ?????

Maximus Alexander

ejabrod wrote: »

Whatcha buy for €30k 5 years ago ?????

A new car would seem to fit.

dodzy

ejabrod wrote: »

Whatcha buy for €30k 5 years ago ?????

Car, Florida for 3 weeks, home improvements. Feck all to show for it now but sure I've never been one for living in the past and regretting purchases. Plan is for Mar, Apr, May & June: 4 x€510 will give me over 2K towards our spending money in Palma Nova, Majorca. ( It's a bloody beautiful part of the world ). Then, following that, I'm gonna up my mortgage by €300 per month and finish it before my 49th birthday. That's the target ! Current redemption figure on the gaf is approx 30K.

I can almost taste being 'mortgage free', and it tastes good !

The Backwards Man wrote: »

Withdraw it and stick it all on Qualando in the 4.10 at Taunton.

If it loses, fcuk the bank.

If it wins, fcuk the bank too!

I like a bet. Good word for it?

somefeen

No recession here

jimgoose

Well-hoofed, chief. :cool:

eamonnq

dodzy wrote: »

I like a bet. Good word for it?

If you back it, it will lose, if you don't back it, it will win.

We will know if you did, by the result!!

dodzy

eamonnq wrote: »

If you back it, it will lose, if you don't back it, it will win.

We will know if you did, by the result!!

I'll have a look. By coincidence, week before last, did 7,11,23 on the bookies lotto along with 2 other sets of regular numbers, on lotto, plus and plus 1.

€9 stake. Returned at a shade under 1000/1 for a 50cent stake. Boom

dodzy

somefeen wrote: »

No recession here

Seriously, if you seen my weekly take home, you'd struggle to believe how I managed it with all the other stuff that homeowners are gifted with in terms of monthly outgoings. I was earning more, well more, 15 yrs ago

But hey, I've plenty of friends and I'm sure plenty here who are looking down the barrel of mortgage completion after retirement age, so I ain't complaining

Glass half full!

jobless

dodzy wrote: »

Car, Florida for 3 weeks, home improvements. Feck all to show for it now but sure I've never been one for living in the past and regretting purchases. Plan is for Mar, Apr, May & June: 4 x€510 will give me over 2K towards our spending money in Palma Nova, Majorca. ( It's a bloody beautiful part of the world ). Then, following that, I'm gonna up my mortgage by €300 per month and finish it before my 49th birthday. That's the target ! Current redemption figure on the gaf is approx 30K.

I can almost taste being 'mortgage free', and it tastes good !




I like a bet. Good word for it?

It's amazing how much upping your repayments even a little knocks off the term length.... good target to have it gone by 50

dodzy

jobless wrote: »

It's amazing how much upping your repayments even a little knocks off the term length.... good target to have it gone by 50

Tracker is my saving grace.

ejabrod

dodzy wrote: »

Tracker is my saving grace.

x2

Same here

jimgoose

dodzy wrote: »

Tracker is my saving grace.

A mighty yoke. The other nice thing about them is, since the bank can't have you killed - yet - they throw various finance products at you in the hope of making an extra few shillin's back from you. :pac:

dodzy

jimgoose wrote: »

A mighty yoke. The other nice thing about them is, since the bank can't have you killed - yet - they throw various finance products at you in the hope of making an extra few shillin's back from you. :pac:

They attempted to 'buy' me off the tracker 5yrs ago. Can't remember the details but they waved a carrot. Needless to say, I decided against it. Jesus, deviants !

jimgoose

dodzy wrote: »

They attempted to 'buy' me off the tracker 5yrs ago. Can't remember the details but they waved a carrot. Needless to say, I decided against it. Jesus, deviants !

Oh yes, they'll chance that. Not in a fit, says I. But I'm talking about other products, credit-cards, various short-term loans, etc.

dodzy

jimgoose wrote: »

Oh yes, they'll chance that. Not in a fit, says I. But I'm talking about other products, credit-cards, various short-term loans, etc.

Who needs banks when you can just use provident with such a competitive APR - See attachment !

Maximus Alexander

I don't know what a tracker mortgage is.

jimgoose

dodzy wrote: »

Who needs banks when you can just use provident with such a competitive APR - See attachment !

Ah Jaysis yeah, good old Provident. I feel properly sorry for poor bastards caught up with the likes of them.

jimgoose

Maximus Alexander wrote: »

I don't know what a tracker mortgage is.

That hasn't been funny since about 2006. A tracker mortgage is an amortised, secured loan with an interest rate equal to that of the ECB, plus a little extra for the lender in question. It is thus said to "track" the ECB rate, and hence the name. Now let that be an end to it!!

bear1

I can't wait to start my own thread like this in July 2036.

Maximus Alexander

jimgoose wrote: »

That hasn't been funny since about 2006. A tracker mortgage is an amortised, secured loan with an interest rate equal to that of the ECB, plus a little extra for the lender in question. It is thus said to "track" the ECB rate, and hence the name. Now let that be an end to it!!

Until now.

dodzy

bear1 wrote: »

I can't wait to start my own thread like this in July 2036.

Only 175,200 Hours to go !

bear1

dodzy wrote: »

Only 175,200 Hours to go !

Thanks for that....

Overheal

dodzy wrote: »

Only 175,200 Hours to go !

Hmm, looks like the welcome message I get when I log into World of Warcraft.

eamonnq

bear1 wrote: »

I can't wait to start my own thread like this in July 2036.

You might get lucky and die before then, so you won't have to pay it off!!

Elemonator

Congrats OP. Good money management. Let's hope I can be as competent

darkpagandeath

Give me your bank details I will sort it out...

XR3i

hard times come again no more

many times you have lingered outside my cabin door

Boom_Bap

Cancel the direct debit for the craic.

XR3i

Boom_Bap wrote: »

Cancel the direct debit for the craic.

ya and invest it in online gambling, banks love that

The Backwards Man

Hope you forgot all about that horse OP.

XR3i

The Backwards Man wrote: »

Hope you forgot all about that horse OP.

well look what the cat dragged in :pac:

maudgonner

XR3i wrote: »

well look what the cat dragged in :pac:

I think he's been on the naughty step :pac:

dodzy

The Backwards Man wrote: »

Hope you forgot all about that horse OP.

Had the €510.24 in a RF with the fav. Not😂

diomed

I paid 36 monthly repayments on a new car. I finally owned the car. The following month I went off the road and write off the car.