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Peonie's journey to smart money management

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  • pavlovs_dog
    pavlovs_dog Posts: 10,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    just caught up with your wonderful news. Wishing you a happy and healthy pregnancy xx
    know thyself
    Nid wy'n gofyn bywyd moethus...
  • Peonie
    Peonie Posts: 1,471 Forumite
    Hi everyone,

    Thank you for your messages NG, icontinuetodream, GG, Lois, Courgette, Shala, Courgette, Hurdler and Pavlovs.

    I've been missing for a few weeks as I've just felt too tired. This is now the longest pregnancy I've had and so I'm relieved to have passed our MC milestone. In fact I've relaxed a lot.

    We've looked in a couple of shops baby but we're not buying anything yet. There are so many choices my head was spinning. I still fit in my normal clothes and I don't plan on buying any maternity wear until clothes start to get a bit snug.

    As I did not do a financial update at the beginning of March, here's a quick one:
    • Mr P fully paid back the loan.
    • In February £500 went into the holiday VP fund with more to go in at the end of the month.
    • I OPd the mortgage by £267 in February and £317 in March taking it down to £139,090.00.
    • Continued with the £45 monthly VP payment for car up-keep.
    • Each month I put a couple of £s into the IVF pot so I can slowly see the number come down.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • Peonie
    Peonie Posts: 1,471 Forumite
    Ooo, I forgot to say, we've knocked another month off the mortgage to January 2036 :T
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Glad to hear all is going well :T. The tiredness is just to prepare you for what's to come :rotfl:.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • newgirly
    newgirly Posts: 9,338 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Very glad you and bump are well :D
    MFW 67 - Finally mortgage free! 💙😁
  • EchoDelta
    EchoDelta Posts: 631 Forumite
    Glad all is well Peonie :)

    Enjoy plenty of lovely naps!
    Sealed Pot Challenge - No. 117
    Bank of Mum & Dad - £3150/£10,000 (£6850 to go) Bank of In Laws - £4600/£12,000 (£7400 to go)
    MFW - MFD - [STRIKE]5 Apr 2029[/STRIKE] 5 June 2025 : AIM = NOV 2019 (back up aim = MAR 2023)
  • Lovely to hear from you Peonie....so pleased all is well!! :D
    Mortgage 12.12.12 £55842 12.12.13 £42716 14.12.14 £28837 13.12.15 £25913
    Mortgage OP £50/£600 House Fund £420/£5000
  • Peonie
    Peonie Posts: 1,471 Forumite
    Thanks GG, NG, Echo and icontinuetodream. I have grown more of a food bump than a baby bump. I've been indulging my food cravings a bit too much. I may have talked Mr P into getting a Suubw4y for dinner last night - oops. A lot of what I want to eat has changed, unfortunately I've gone off veg - not good.

    My scan scan is in another 2 weeks. It seems like such a long time to wait. I want to make sure everything is OK.

    I got paid today! Woohoo.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Peonie wrote: »
    This is now the longest pregnancy I've had and so I'm relieved to have passed our MC milestone. In fact I've relaxed a lot.

    We've looked in a couple of shops baby but we're not buying anything yet. There are so many choices my head was spinning. I still fit in my normal clothes and I don't plan on buying any maternity wear until clothes start to get a bit snug.

    So pleased for you. :) How many weeks are you now?
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Peonie
    Peonie Posts: 1,471 Forumite
    Hi Lois :hello:, I'm now 11+3. Only a few more days until 12 :T

    I had yesterday off work and went looking round the shops. I bought a new bag for work - I did need one. But I did not need the ear muffs - which I'm wearing inside now (£7 from £25), a hat that goes with all my coats (£10.50 from £25) and 2 M&S waffle dressing gowns for guests (£16 each then 20% off). So I went over this months clothing budget - oops.

    We're going to a racing ladies day soon, I really bought the hat in case the weather is bad. I'll need to go shopping for a fancy feather to go on it and I'll look winter chic. I might need to buy a new top. If it's cold there's no way I'm going to wear skimpy summer clothes.

    I looked around the baby shops again. They need to have an American style registry like they do for weddings. So I can just zap everything I think I want and decide later. A couple of years ago my sister gave me a lot of her old baby items like a Moses basket, high chair, bath and play mat. So I need to check what we have before we get anything.

    Then I met Mr P and we spent £65 on food that looked like nothing :( I checked the receipt and nothing had gone through twice and we had not bought cat food. I don't think that's the last of the shopping this month either. :(:(

    Yesterday I moved my (our) ISA to a higher rate, it's still pitiful but better than I (we) had. The woman talked about the annual credit allowance but all I could think was money is likely to come out this year for the first time.

    We're having another quiet weekend in. Mr P is doing some DIY and I've cleaned the washing machine with white vinegar. So a very exciting weekend for all.

    I'm not really keeping up with everyone elses news at the moment. Is there anything big I should know about?
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
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