Brand spanking new to money saving and to my MFW diary

Penny_pauper

Thanks Wantabetterlife & Clearmydebts

I am enjoying the changes pregnancy brings but was a little low yesterday as had spent the day with some friends who are but mere wisps of girls and I was feeling like a heffalump!
Regular overpayment went in, total owed is now £148,637.54. Have started a picture of the 'attack the mortgage' plan. Weirdly motivating, it's a house of bricks, each worth £500 (all very Blue Peter inspired). Got two bricks filled in this month but the challenge is to find £137.54 at the end of the month to let me colour in one more brick. Sad geek, moi? Never!:rotfl::rotfl::rotfl:
PP

Penny_pauper

Managed to make the full £500 overpayment this month. Have been considering ditching the Nationwide fixed rate at 6.79 for 10 years (well 8 years now). Phoned them up to ask if I could and they told me yes I could aslong as I moved to an alternative mortgage provider, they will not let me re-mortgage to another nationwide product. This seems like bad business sense to me but hey ho, their issue not mine. have been looking at offset mortgages and can get a variable one at 2.89% which would mean even combining both 'bits' of my mortgages and the early redemption fee I would be saving £300 a month. Not sure if I should go for it as I'm a worry wart and have always had a fixed mortgage as I fear the rise in interest rates. Any advice gratefully received please.
PP
P.s. 20 week scan was amazingly detailed and so far, all seems to be well

setmefree2

Penny_pauper wrote: »

P.s. 20 week scan was amazingly detailed and so far, all seems to be well

Good News :T:T

Penny_pauper

Can only over pay by £250 this month. Rest of the over payment money will be used to pay the plasterer who is coming to sort the nursery this week. Need to wait a couple of days to se exactly what the outstanding mortgage is but it loooks like it will be £147, 800 odd. If it is, then we are bang on track as my target for this quarter was £148, 185. So I'm well chuffed
PP

Penny_pauper

Got actual update of mortgage and total outstanding as of today is £147,853 :j
Lots of expense coming up this month
New bathroom to be fitted
Nursery to be plastered
OH MOT and car insurance
my road tax
Oh well, back to the good intentions in April!
pp

Penny_pauper

Having a yucky day today, so having a moan. Feel queasy, headachey and getting weird vision things, like some one has shone a big bright light in my eyes and there are chunks of my sight that seems to be missing (sounds a lot more dramatic than it actually is). Feel like I have been pregnant forever! 15 weeks to go and counting down. Off to bed early to try and bring this crap day to a close. Thank goodness tomorrow is Friday! One more day to the weekend.
PP

SmlSave

Big (HUG) from me PP, hope you feel better soon

setmefree2

PP hope you have been to see your doctor.....

Penny_pauper

Hi setmefree2

I did give my midwife a call in the morning as both OH and I were a bit freaked by the vision thing and she thinks it's lack of iron. Will be heading to the GP next week to get bloods checked. In the mean time I have the perfect excuse to say 'I just need to nip upstairs and have a nap.' any time house work need done!
PP

setmefree2

Glad you've seen a Doc. Plenty of rest

Take Care & Best Wishes

Smf2