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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by Overspent[/i] [br]Hi there, we have a dilema, possibly a nice one for this month (november) only. We went BR in July (and it's flying by btw), prior to that I had lost my job so had to negotiate our mortgage temporarily. Luckily got another job the week before BR but over the last couple of months have been paying off the arrears. This is all sorted now (as purchasing BI also) I've just confirmed all new payments with mortgage co which comes into affect in December, meaning in November we have an option to pay less this month as a one off. On a normal month we have no disposable income but are getting NT IPA's. As we have the option of paying less on our mortgage this month, it could technically mean we'd have some disposable income for November only...(which would come in handy as we've just had to fork out £75 at the vets this morning...plus Nov is a 5 week month). Apologies for waffling on but i do not want to do anything wrong.....my question is, as we both went BR, would we get £99 each DI, meaning we could in theory underpay our mortgage by say £180 in November as one off with no repercussions?? It wouldn't be that much (I wish) but would I be right in thinking we could?? Any advice would be great Thankx :-) [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.