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Rising cost of living
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Old 20-09-2022, 11:45   #511
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Re: Rising cost of living

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Originally Posted by tweetiepooh View Post
Annoyed that so many supermarkets cut the ladder into individual ribs, normally before it gets to store. You can easily cut them apart but not join back together. I put a strong rub on and then slow smoke on the braai. But the price, like pork belly and other "cheap cuts" are now more expensive, often thanks to celeb chefs showing how to use them on TV. (Costco ribs (devoid of most meat) cost more than belly costs more than shoulder costs more than leg - per kg).
Yeah we used to give what they now call spare ribs away for next to nothing
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Old 27-09-2022, 17:30   #512
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Re: Rising cost of living

Interest rates could hit 6% next as Bank of England boss says to expect a significant rise

https://news.sky.com/story/significa...-says-12706354

https://news.sky.com/story/pound-slu...peech-12615118
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Old 27-09-2022, 20:18   #513
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Re: Rising cost of living

Well at least savings rates will go up.
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Old 27-09-2022, 21:10   #514
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Re: Rising cost of living

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Originally Posted by Paul View Post
Well at least savings rates will go up.

What Savings, it's all gone to the power and fuel companies
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Old 27-09-2022, 23:12   #515
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Re: Rising cost of living

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Originally Posted by Paul View Post
Well at least savings rates will go up.
Not as quick and not as high.

Me and Mrs Pierre have emptied all of our savings and banged it off the mortgage. We should be mortgage free by the end of next year.

Then we’ll start saving again.
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Old 28-09-2022, 02:05   #516
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Re: Rising cost of living

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Originally Posted by Pierre View Post
We should be mortgage free by the end of next year.
One thing I am thankful for, I dont really have one of any significance.
A few years ago, I did two jobs for 6 years, that allowed me to basically kill off my mortgage.
I keep it ticking over at £50 so I can dip into it if necessary, I have no interest to pay, and no monthly repayments.
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Old 04-10-2022, 20:49   #517
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Re: Rising cost of living

£324 Cost of living payment due between the 8th and 24th November

https://www.gov.uk/government/news/o...m-8-november-1
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Old 04-10-2022, 21:22   #518
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Re: Rising cost of living

Mortgage free..Got some savings stashed.I have 2 pensions and the other half's navy pension is a good one.My children are employed and are earning.We will survive.

It's those who are just at the start and have been messed about by the pandemic who are going to tighten belts plus the usual unlucky souls for whom life hasn't been blessed.
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Old 04-10-2022, 21:33   #519
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Re: Rising cost of living

Reserved a 5-year fixed rate at 1.44% in January, which we took up in June when we moved. The average offer for a 5-year fix today is now 5.75%
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Old 04-10-2022, 21:49   #520
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Re: Rising cost of living

My daughter & son-in-law got a 5 year fixed rate approved last Monday (3.44%) - remortgage to extend their current home.
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Old 04-10-2022, 22:14   #521
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Re: Rising cost of living

Bad time for plans like that with no idea what the future holds, unless they can pay it off in the 5 years cuz who knows what the rates will be after
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Old 05-10-2022, 10:33   #522
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Re: Rising cost of living

It's their home for life - it already has 4 bedrooms (well, 3 and an office), so they are expanding/reconfiguring the downstairs; they're relieved, as the current rates for the equivalent deal are 5.2% and above.
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Old 05-10-2022, 12:16   #523
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Re: Rising cost of living

We decided to upsize and moved house in September 2018 so got a mortgage after a few years mortgage free. We made the decision to go for a 10 year fixed rate at 2.64% which was more than we'd could have paid on a shorter fixed deal but knowing where you are for the longer term is a bonus and 4 years ago rates were so low there was only really one way they were going to go. Cheap money like that was never going to last (and I'll be surprised if we see again).

So it looks like we made the right call because when our deal comes to the end in 2028 I doubt getting anything less than 5% will be a distant memory, but we're overpaying every month so when the deal ends we hope not owe too much and may even be able to pay it off.

We do also remember the days of 15% and no fixed rate deals so your payments were up and down like something that goes up and down a lot but you did get tax relieve on the interest on the first £30,000.
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Old 05-10-2022, 12:35   #524
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Re: Rising cost of living

I fixed in December at 1.3% for 5 years, extremely lucky with the timing.
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Old 05-10-2022, 12:39   #525
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Re: Rising cost of living

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I fixed in December at 1.3% for 5 years, extremely lucky with the timing.
You were - January was when mortgage rates started climbing, albeit slowly at first. We were kicking ourselves for not arranging ours 3-4 weeks earlier, though it’s all relative now.
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