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Again! Again!

Posted by | Posted in Finance | Posted on 04-12-2008

Well apparently, the Bank Of England is thinking about cutting interest rates again, this time to 2%. Which in theory, should be good news. Although we all know what happened last time – some of the banks decided they’d pass the savings onto their customers (but not in full, you understand, oh no) and some of the banks won’t pass any savings onto their customers at all. Which kind of defeats the purpose. Those banks will no doubt keep their own interest rates at the same level, meaning more money for them, but it’ll still leave a large proportion of home-owners with a hefty mortgage to pay each month. Again, it comes down to greed.

I’m not so bothered about it myself right now, as I don’t have a mortgage, but come the new year, when the resolutions start again, and I’m sure I will have. And I shant be a happy bunny if the government does something to help me, but my mortgage lender doesn’t.

Speaking of houses, the “experts” predict that repossessions could top 75,000 next year, with repossessions this year probably topping 45,000. Result! Not for the families concerned, of course, but for the people who are looking around for a bargain witin the housing market. The trick is to find out what houses are being repossessed in the first place, which can be slightly difficult as estate agents can only tell you so much. The great thing about the recession is that it’s great for anyone who has a bit of money to spend. Probably because those people are few and far between. I don’t like to “jump into someone’s grave” as it were, but in this modern age, it’s every man for himself, so if you can find a bargain house then you should go for it. That’s what I intend to do. It’s not a nice feeling to know that I can benefit from someone else’s hardships, but things are tight for everyone, so it has to be done.

I’ve decided to get myself down the gym tonight, as planned. I’m not fully recovered from the last trip yet, but a bit of light exercise and some cardio work won’t go amiss. I’m actually quite surprised how well I seem to be doing at the moment, and how I’m resisting the urge to eat crappy foods at mealtimes. The only thing I’m falling down on at the moment is having breakfast. For the last couple of days I’ve had some trouble getting my carcass out of bed in the morning. Yesterday I even managed to turn off my alarm and go back to sleep without even waking up. I should really get some early nights in or something.

I’ve decided I don’t like Facebook. Not because it’s a bad site, but because you can waste a lot of time on it doing nothing. And I get a ridiculous amount of emails inviting me to add all sorts of crappy applications that just clutter my profile. I only use it to keep in touch with everyone, which is something I’m shockingly bad at to be fair. It’s good to have everyone in one place, so to speak, but I do get a small guilt trip every time someone invites me to the “You’re My Best Friend” group, and I decline the invitation. It’s not that you’re not my friend, it’s just that I don’t want my profile cluttered up with rubbish. Nor do I want to know “what Dallas character I am”, “how my IQ compares to that of a 6 year old”, or join the group “Paeophiles are people like you and me”. I am grateful that they brought back the Wispa, despite not really being able to eat them if I want to keep fit.

A couple of days ago, a regular on the .Net Magazine forums posted a recipe for Cottage Pie, cunningly calling it Shepherd’s Pie. I’m a fan of cottage pie, and cooking in general, although I never really get to cook all that much. I maintain that, were I not a professional web developer, I’d be a chef. Failing that, I’d love to work in films, although I doubt I’m creative enough for that. Unless it involves cooking, or making websites.

I woke up this morning and my eyes hurt like I’d been sleeping with them open all night. You know that feeling you get when your eyes are open too long without blinking, and then when you blink, they start to water? It was like that, although it was constant. I had difficulty in making my sarnies this morning. I really should get more sleep. I did realise what’s keeping me awake sometimes though – my PC. I leave my PC on overnight to do my evil bidding, but I discovered that for some reason I’ve yet to fathom, my PC hard drive light goes mad whenever the monitor is put into standby. By ‘standby’, I mean when the monitor switches itself off after a certain amount of time in order to save electricity. I’ve got no idea what the correlation is between hard drive activity and the standby mode of a monitor, but I know that by moving the mouse again, the HDD activity stops. I’ve set the standby timer to an hour, up from 20 minutes, in order to stop it waking me up with all the racket it makes.

UPDATE: They’ve done it, those crazy cats.

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