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

  • 23-02-2016 11:52am
    #1
    dodzy
    Registered Users, Registered Users 2 Posts: 10,070 ✭✭✭✭


    ...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 :D


Comments

  • #2
    cherryghost
    Moderators, Technology & Internet Moderators Posts: 17,135 Mod ✭✭✭✭cherryghost


    Congrats man!


  • #3
    eamonnq
    Registered Users, Registered Users 2 Posts: 4,012 ✭✭✭eamonnq


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


  • #4
    AnonoBoy
    Closed Accounts Posts: 22,559 ✭✭✭✭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.


  • #5
    aaronjumper
    Registered Users, Registered Users 2 Posts: 14,128 ✭✭✭✭aaronjumper


    Celebrate by taking out a loan!

    Don't do this. Nice one dodzy.


  • #6
    esforum
    Closed Accounts Posts: 1,420 ✭✭✭esforum


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


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  • #7
    The Backwards Man
    Closed Accounts Posts: 18,299 ✭✭✭✭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! :D


  • #8
    ejabrod
    Closed Accounts Posts: 483 ✭✭ejabrod


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


  • #9
    Maximus Alexander
    Registered Users, Registered Users 2 Posts: 13,080 ✭✭✭✭Maximus Alexander


    ejabrod wrote: »
    Whatcha buy for €30k 5 years ago ????? :D

    A new car would seem to fit.


  • #10
    dodzy
    Registered Users, Registered Users 2 Posts: 10,070 ✭✭✭✭dodzy


    ejabrod wrote: »
    Whatcha buy for €30k 5 years ago ????? :D

    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! :D


    I like a bet. Good word for it?


  • #11
    somefeen
    Registered Users, Registered Users 2 Posts: 1,657 ✭✭✭somefeen


    No recession here


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  • #12
    jimgoose
    Registered Users, Registered Users 2 Posts: 20,180 ✭✭✭✭jimgoose


    Well-hoofed, chief. :cool:


  • #13
    eamonnq
    Registered Users, Registered Users 2 Posts: 4,012 ✭✭✭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!!


  • #14
    dodzy
    Registered Users, Registered Users 2 Posts: 10,070 ✭✭✭✭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 ;)


  • #15
    dodzy
    Registered Users, Registered Users 2 Posts: 10,070 ✭✭✭✭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!


  • #16
    jobless
    Registered Users, Registered Users 2 Posts: 2,183 ✭✭✭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 :)


  • #17
    dodzy
    Registered Users, Registered Users 2 Posts: 10,070 ✭✭✭✭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.


  • #18
    ejabrod
    Closed Accounts Posts: 483 ✭✭ejabrod


    dodzy wrote: »
    Tracker is my saving grace.

    x2

    Same here


  • #19
    jimgoose
    Registered Users, Registered Users 2 Posts: 20,180 ✭✭✭✭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:


  • #20
    dodzy
    Registered Users, Registered Users 2 Posts: 10,070 ✭✭✭✭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 !


  • #21
    jimgoose
    Registered Users, Registered Users 2 Posts: 20,180 ✭✭✭✭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.


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  • #22
    dodzy
    Registered Users, Registered Users 2 Posts: 10,070 ✭✭✭✭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 !


  • #23
    Maximus Alexander
    Registered Users, Registered Users 2 Posts: 13,080 ✭✭✭✭Maximus Alexander


    I don't know what a tracker mortgage is.


  • #24
    jimgoose
    Registered Users, Registered Users 2 Posts: 20,180 ✭✭✭✭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.


  • #25
    jimgoose
    Registered Users, Registered Users 2 Posts: 20,180 ✭✭✭✭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!! :D


  • #26
    bear1
    Registered Users, Registered Users 2 Posts: 12,823 ✭✭✭✭bear1


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


  • #27
    Maximus Alexander
    Registered Users, Registered Users 2 Posts: 13,080 ✭✭✭✭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!! :D

    Until now. :p


  • #28
    dodzy
    Registered Users, Registered Users 2 Posts: 10,070 ✭✭✭✭dodzy


    bear1 wrote: »
    I can't wait to start my own thread like this in July 2036.

    Only 175,200 Hours to go !


  • #29
    bear1
    Registered Users, Registered Users 2 Posts: 12,823 ✭✭✭✭bear1


    dodzy wrote: »
    Only 175,200 Hours to go !

    Thanks for that....


  • #30
    Overheal
    Registered Users, Registered Users 2 Posts: 85,053 ✭✭✭✭Overheal


    dodzy wrote: »
    Only 175,200 Hours to go !

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


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  • #31
    eamonnq
    Registered Users, Registered Users 2 Posts: 4,012 ✭✭✭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!! :D


  • #32
    Elemonator
    Closed Accounts Posts: 1,271 ✭✭✭Elemonator


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


  • #33
    darkpagandeath
    Closed Accounts Posts: 24,465 ✭✭✭✭darkpagandeath


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


  • #34
    XR3i
    Site Banned Posts: 6,498 ✭✭✭XR3i


    hard times come again no more

    many times you have lingered outside my cabin door


  • #35
    Boom_Bap
    Moderators, Music Moderators, Society & Culture Moderators Posts: 25,734 Mod ✭✭✭✭Boom_Bap


    Cancel the direct debit for the craic.


  • #36
    XR3i
    Site Banned Posts: 6,498 ✭✭✭XR3i


    Boom_Bap wrote: »
    Cancel the direct debit for the craic.

    ya and invest it in online gambling, banks love that


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  • #37
    The Backwards Man
    Closed Accounts Posts: 18,299 ✭✭✭✭The Backwards Man


    Hope you forgot all about that horse OP. :o


  • #38
    XR3i
    Site Banned Posts: 6,498 ✭✭✭XR3i


    The Backwards Man wrote: »
    Hope you forgot all about that horse OP. :o

    well look what the cat dragged in :pac:


  • #39
    maudgonner
    Registered Users, Registered Users 2 Posts: 5,455 ✭✭✭maudgonner


    XR3i wrote: »
    well look what the cat dragged in :pac:

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


  • #40
    dodzy
    Registered Users, Registered Users 2 Posts: 10,070 ✭✭✭✭dodzy


    The Backwards Man wrote: »
    Hope you forgot all about that horse OP. :o

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


  • #41
    diomed
    Closed Accounts Posts: 4,744 ✭✭✭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.


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