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Peonie's journey to smart money management

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  • EchoDelta
    EchoDelta Posts: 631 Forumite
    Congratulations!!!
    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)
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    Peonie wrote: »
    Hi, sorry I've had my hands a bit full to post! We had a baby boy a month ago. He is perfect and I love him to bits. I am well but a bit sleep deprived. Mr P is amazing and has been my rock.

    How did I miss this?!

    Many congratulations Peonie & Mr P :)

    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • Peonie
    Peonie Posts: 1,471 Forumite
    Hi everyone and thanks for your messages. Motherhood is getting easier and I'm getting out. We walk a lot, mainly to the local town that is just over 3kms away. We have to pay for most of the baby activities which is a bit of a pain.

    I've still been oping the mortgage down to the next hundred but at the beginning of the year took the leap and paid over £1000 off. Now I'm paying pennies off each month to round it down to the next £25. We've knocked a few months off the mortgage. I'd love to pay off more but this month my wages dropped.

    I braved the next sale on Boxing Day to get Baby Boy a lot of clothes, I've got him things off eBay and local mutton hm markets.

    I really need to update my signature and work out my finances for the year.

    What have I missed?
    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
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi P :) *waves*

    Not sure what you've missed, I've not been around much. Good to hear that you're getting out and doi g things. Going to a next sale is indeed brave - I've never done it! :D sadly most groups and activities are paid for things, but I find free groups are usually few and far between.

    If your income has just dropped then it sounds like doing some finances might be a good idea :)
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • Peonie
    Peonie Posts: 1,471 Forumite
    Ha I've not been to mutton markets but mum to mum markets. Don't you just love it when the computer changes what you typed.

    Hi cc.
    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
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hahaha I did wonder what a mutton hm market was?! :D
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • castlelough
    castlelough Posts: 319 Forumite
    Part of the Furniture 100 Posts Photogenic Combo Breaker
    Hi Peonie!

    Congrats on your baby boy!
    I have also been getting to grips with motherhood for the first time. My little daughter was born 8 weeks ago! As you say, it is getting easier all the time, but I am also feeling sleep deprived and the finances are in a bit of a tailspin! You are doing wonderfully with your mortgage ops! :-)

    Castle
    Debts: Credit Card: €6000 ---> €5050 Feb 25 \ Overdraft: Step 3/100
    Savings: FF Fund: Step 23/100 \ CU: 3755/4000
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