DaBerries

What do you describe it as? A blog from Ireland....

Monday, November 20, 2006

Carry Me Down

Just finished reading "Carry Me Down", by M.J. Hyland. This book is one that leaves you thinking about it long after you've put the book down. Some of the images portrayed in the book have haunting quality which lingers for some time after finsihing the book. The attempted murder by John, the books central character, of his Mother is strange and leaves the reader with a dislike for John, who up to this has had an endearing quality.

A good book.

Wednesday, November 08, 2006

Backtrack

Okay so two months later, I decide I better post something here.

Baby Berries is due to arrive Monday. We sit at home each evening waiting for the Tsunami to arrive (waters to break). Mrs. B can't sleep, sit or walk without discomfort and neither of us is sure what to expect.

But that aside, we cannot wait to see our baby!!

Thursday, August 03, 2006

Financial Housekeeping Part 3- Credit Card

Right, I'm still trying to reduce my outgoings everywhere I can. So I moved onto my credit card today. I have a balance on my card that rolls over from month to month. It's not huge but big enough that it is going to take me a while to get it down. It's a little hangover from our honeymoon. The card has been retired to the drawer until it's gone. So I rang my provider today who charge an APR of 13.9% and asked could they do any better than that? The result, a reduction of 2% APR. Not bad for a 5 minute phoencall no? If you have a balance and it's going to take you a while to clear it, get on to your provider and ask for a better interest rate.

Wednesday, August 02, 2006

The Financial Housekeeping Continues

Following on from my enquiries with my mortgage provider I've started a review of my finances. You'd be amazed where you waste money. Three years ago we bought a TV, DVD player and video for €700. We were about to move into our new house, so money was tight. In order to keep the cost down we decided, in our wisdom, to finance the purchase over 48 months with the stores finance provider. I just worked out the cost of the finance and effectively we've nearly paid twice the cost of the purchase in interest. Well, we would have if I hadn't called them this morning to settle up for the remainder of the loan.

I'm looking to see where else I can cut unnecessary costs out of our lives. Don't get me wrong I like to spend a few quid as much as the next person. But I can't stand wasting money. Slowly but surely I'm learning to hate owing any form of money that has interest attached to it. In trying to clean up my act, I've found this site to be very useful.

Thursday, July 27, 2006

What to do with an SSIA?

I took an SSIA out back in April of 2002. I decided back then in my wisdom to contribute the maximum to the scheme of €254 per month. My SSIA is due to mature next May. So what do you do with a bundle of cash that you never had in your pocket to begin with? What do you do with the monthly contribution of €254 that you haven't missed for five years? Well, I heard Eddie Hobbbs say you should pay the lump of your mortgage. So I rang my bank yesterday and asked the question. What hapens if I pay €20,000 off my mortgage and increase my monthly mortgage payment by €254? Apparently I'll knock a whopping 12 years off of my mortgage.

Needless to say I said sign me up!!!

Wednesday, July 26, 2006

Le Tour Eiffel



Some images from Paris July '06


Friday, July 21, 2006

Paris

Seeing as how the wife is pregnant I decided we'd better book us some quality time away before the baby arrives and before she can no longer travel. Going away on a spur of the moment will require military precision from November on. That and the fact that we only have 14 more weekends before our lives are turned upside down prompted me to book a weekend in Paris for the both of us.

Okay so I'm lying, I wanted to see the end of the Tour De France on the Champs Elysée. Either way we're both happy we're getting out of Cork for a weekend.