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Originalmiscellany's MF dreams
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Thanks ICTD. I was hoping to clear it by the time the little bump emerges, but it turns out babies can be very expensive, even though we're quite happy to borrow off friends etc. But it'll be worth it - the only worry is every male I speak to tells me it's going to change your life forever and sleep becomes a distant memoryFeb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
Oh yes, it will change your life forever, and you will end up sacrificing all sorts of time, money, priorities, freedoms, that you thought you couldn't manage without. But they are worth it, a million times over.
About the sleep thing... encourage Mrs OM to bf - get her to read Bestfeeding (note the spelling) by Chloe Fisher & some other people. Somebody lent it to me while I was pregnant with my first, and I was so much better prepared than if I'd relied on the antenatal classes. Bf is soooo much easier and more convenient than bottles (not to mention massively cheaper), but it can be tricky to get started unless you have the right info and support, and lots of women find it very demoralising if they can't make it work. You read the book too, so you will be better able to support her.
Anyway, I digress.... bf means you can learn how to roll over and go back to sleep while Mrs OM feeds the baby, so you will get loads more sleep than if she is expecting you to take a turn with night bottles. Don't worry that that's taking advantage of Mrs OM, though. With bf, the mum can pick up the baby, latch it on, and feed it without getting out of bed, which I really appreciated. Once she and the baby have got the hang of it, she can even go back to sleep while the baby's still feeding, as long as you have some kind of barrier to stop the baby falling out of bed - they are fairly cheap and you can use them later when the toddler moves into a proper bed - or have a "sidecar" cot, ie cot with the side bars off and the mattress adjusted to the same height as your bed, pushed right up against your bed so the surfaces are continuous with each other.
Of course, the terrors of child-related sleep deprivation will still hit you in the toddler years, but by then you will have had a bit more chance to acclimatise. :eek:
Best wishes, and good luck.Starting again 13/4/19Home loan 1: £21,102.50 Home loan 2: £7,698.99Total owed: £28,801.49
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Another £500 paid off... Not bad. Hope to keep focussed until half term when I can recharge my batteries suitably!Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
Whew - weekend now. Busy week, one to go till half term, but I cold do with a good rest
Am going to do some cooking to fill the freezer this weekend. If energy allows, I'm going to head off to the supermarket tonight to pick up some bargains, failing that, tomorrow am.
Am looking forward to the rest, feeling quite tired but enjoying work overall. Not a lot to say really - am hoping to get some money off the good wife at the end of this month but it's a bit of a pain as we've got a whole load of car expenses all coming together at the same time - MOT, Service, fixing things that are going wrong and insurance. Ugh. Cars really aren't cheap are they.Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
Soon to assume radio silence for half term! Will update you all at what will be the end of October (ish)... Probably will give an update or two, but I thought advanced warning from my red hot postings may be neededFeb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
don't talk to me about cars!! :mad: mine died on sunday (still awaiting a call from the garage for that :eek:) then oh put his through mot yesterday....only needed windscreen wipers...thought ourselves very lucky until we got the car back and it has now developed an enormous rattle which may or may not be serious _pale_ trouble is, it will cost a fortune to find out for definate and could result in further damage so think we will take our chances!!! :shhh:
Hope you enjoy your half term!!Mortgage 12.12.12 £55842 12.12.13 £42716 14.12.14 £28837 13.12.15 £25913
Mortgage OP £50/£600 House Fund £420/£50000 -
Another £500 off todayFeb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
And back firmly in the wet UK
Had an amazing time in the sun mind you! Back at school on Monday - feels like a VERY long way away
Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
And a final overpayment for this month - another 1k (raided from the wife)Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
And first for Nov - 1k off. Have decided to persevere until 31/12/11 and then slow down as we have 2012 being such a huge change in terms of baby and single income. However when the metaphorical sun shines, it's time to make metaphorical hay.Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370
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