1 mortgage, 2 babies, 3 years to be MF, 4 goodness sake!- weezl's diary

cocalls

I think it'd deffo morning Weezl ( i too seem to be getting up earlier and earlier have been signed off work for a week due to morning sickness so there's nowt to get up for!)
Cant help you on the mortgage question but all the hassle for 2 extra months doesn't seem worth it to me.

When are you thinking of going on maternity leave-cant be long now?

Pippajo

Morning, I hadn't thought of the mortgage in that way where overpayments are concerned - I've only really just started thinking about it as a debt rather than just part of life .

For the sake of 2 months very tiny interest you may be better to start relaxing a bit more into your new life. Plus the little ones won't be so little and if you end up with a monster that "grazes" all day it may get very stressful trying to save for those 2 months, match budgets and then 2 months later have no mortgage anyway.

Hope that makes sense!

knithappens

for the sake of 2 months i dont think it is worth it. It wont make a huge difference, if you can fine, but if it mean virtually killing yourself then i say no for the sake of 2 months.

vandanfc

Hi W

I have to agree with the comments so far, 2 months isn't worth it. It won't be a huge amount of money involved, but the potential stress could be huge and not worth it really. It will come round soon enough and if you have got stressed to get their it won't be quite as enjoyable.

hornetgirl

Yes, definitely echo what has been said already. It's going to be such a massive cause for celebration when that final payment is made, a couple of months really won't make that much difference. It's the quality of life and huge number of options you'll have for the rest of your lives that will make the difference - focus your energies on those

In_Search_Of_Me

weezl I dont think ANYONE would ever say youre a wimp!! You know what I will say but just in case youre unsure - two months extra isnt worth the extra pressure you'll put on yourself to get there in my book but then I also wonder if you will feel that in principle you will have in some way faied because you didnt make your ultimate goal and also wouldnt want this to be utterlly galling for you after so much hard work? As always, you need to do what is right for you all...hugs for you and a big smooch for my best boy! (dear readers hes edible!!)

mark55man

a bit of forward planning definitely required - kind of like my FIL said about retirement - some people bust a gut up to the finish line and then had real challenges adjusting whenthey went from flat out to nothing to do.

its not quite the same for you, but when all that OP and mortgage money stops being needed you may face a bit of a challenge in what direction/targets you set. especially as you will have family challenges and time on your hands (!!)

you could put most of it away into savings - and that would feel the same in terms of what you have left to spend, but it won't feel exactly the same and so you do need to think carefully about what you want to do AFTER you are MFW as becoming MFW has been such a big and sustained effort :T:T

not a nag (I hope) just don't want you crossing the finish line and running over a cliff. In that context actually giving yourself a bit longer for your MF date could be a good thing

carpedieme

hi Weezl, do whatever feels right for you and your family withou getting too stressed youre an inspiration to us all

shaz_mum_of__2

I can spot the perfectionist/control freak that lives in me in you too weezl ......(hope that makes sense )


I hate personal failure and am too hard on myself as a result usually unecessarily (uni teachers say i am on track for a 1st :T, but i still panic every time i hand an essay in )

do what feels right for you at the time .............we all still think your an inspiration

boredofbeingathome

You are not being a wimp Weezl- i don't think two months is worth sweating over personally.

One thing i will say though, is that you don't know what the future may bring- lots of opportunities may arise for you to make the extra money and clear the two months!

Then again you may also have your wish for a few more little weezl's In which case your priorities will change- so plan for adaptability and enjoy your current successes-

Maybe write a little book-The frugality of modern parenting! Or a paper at least

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