If you are worried that your mortgage payments could go up, it's helpful to know that you can arrange to switch your Barclays mortgage up to 180 days before your current one ends.

More way you can do this is in the Barclays app. Your new rate will then apply as soon as your existing rate expires.

Simple.

For more money help including other ways to switch your mortgage, search Barclays cost of living.

Barclays. Make money work for you.

Subject to application, financial circumstances and borrowing history, TZS apply 18+. Your home may be repossessed if you do not keep up repayments on your mortgage.

Hey there kids, it's me, Mr. Creep Monster and before we get started on tonight's story, I want to let you know about one quick thing.

Tonight's author, Jordan Group, is available also on YouTube.

If you like some of the stories that you hear from him here on my channel, then I'm sure you'd love to hear stories from the man himself on his own.

You can take a look at the link in the description down below, youtube.com slash at Jordan Group or you can click the little i you see popping up right now on the top right hand corner of your screen.

Give him a sub, give him a follow, ring the bell.

I'm sure that you will all love the horror that he has to share with you and now onto tonight's story.

I've been playing the Sims for a long long time.

If you've never heard of it, it's basically this computer game version of real life.

You control a person called Sim and you live their life for them, telling them what to do, selecting their personality types, house, job, family, pets, you name it.

You can use the game to make your own dream life in digital form, of course.

There have been several iterations of the Sims and each one comes with its collection of expansion packs.

These expansions let you play as vampires or werewolf secret agents and evil spies. You could be a detective or a fireman or an astronaut or anything else you choose.

The current game has so many different expansions that you could spend thousands of dollars if you purchased all of them.

And I have, although I always try to buy them on their own sale.

Through all the different versions of the game and all the expansions, I've played as the same character more or less.

He's basically a cooler version of me, with a nicer house and better clothes.

...