I fixed the heat and I liked it

[ailbhe]

It's all warm now. I R Genius. The children are warm and I've cooked them breakfast and lunch, done a load of laundry and a load in the dishwasher, added the meat and hot water to the slow-cooker full of veg Rob prepped last night, et cetera et cetera et cetera. I even tidied the kids' room, which will just show you how motivating heat can be.

I'm still trying to decide whether to call the bank and change our mortgage to reduce the payment and extend the term. We did get it with the specific backup plan of extending the term if we ever needed to; I can't decide whether now is that time.

Comments

[ailbhe]

Oh - and I always go for no-penalty overpayments, whenever I juggle the mortgage; we've reduced the term a few years already that way.

[(Anonymous)]

Don't know who your mortgage is with, but can you get back some of the money you've overpaid? We're with the Nationwide, and anything we overpay can be drawn back down if necessary. If you got back a little chunk you could reset your baseline?

Alison