The Ultimate Hard and Fast debt clearing mission

kavics17

Huge congratulations!!!

Lara44

Wow - Super congratulations Dinah and NIM

Cinny91

Eep, Zig had to point me in the threads direction! BIG congrats you two!!! Is this why you've been feeling a bit off these past few weeks, Dinah? Blaming new meds! (although that could have been ages ago on my current grasp of time!)

Kittikins

Wow, congratulations Dinah and NIM, I feel all gooey and broody looking at the lovely scan pic

Dinah93

wendz86 wrote: »

Arghhh congratulations Dinah and NIM, thats amazing news! When is he/she due? x

18th June all being well.

Cinny91 wrote: »

Eep, Zig had to point me in the threads direction! BIG congrats you two!!! Is this why you've been feeling a bit off these past few weeks, Dinah? Blaming new meds! (although that could have been ages ago on my current grasp of time!)

Yep, first trimester is so fun with the exhaustion and the throwing up your guts! I also have to apologise for lying to you - this is why I dropped out of the 30 day shred - found out on about day 5 we were expecting and midwife said I needed to do something less intensive. I am on new meds too mind, as soon as I got pg the blood pressure went through the roof!

dippykitty

Congrats Dinah!!

tinkerbel

Wooohoooo congrats everyone!! And happy birthday archers! Cinny where've you been??! Dinah and nim so when is she due?!! Wow I'm so excited for you but I hope now are able to do all the relaxing you will need!!

archersluck

OMG! I'm so happy for you guys. Just did a comedy double take and now sat here smiling. I feel like I should be telling everyone "some girl on the internets having a baby!"

Have you told everyone now you've had your scan or did you let slip early? Are your families thrilled? So exciting!


Thanks for the birthday wishes guys, had a lovely day though wish I'd booked the day off work. Had friends round last night which was nice and the boyfriend made an amazing cake and had balloons etc for me. He bought me a polaroid camera which I really wanted, but it's huge! Won't be taking that travelling! It's fun though. Having proper celebration on Saturday, I like spreading birthdays out!

N.I.M

archersluck wrote: »

OMG! I'm so happy for you guys. Just did a comedy double take and now sat here smiling. I feel like I should be telling everyone "some girl on the internets having a baby!"

Its pronounced "TEH Internets"

Ann no, I havent been bouncing in my chair and randomly giggling since we got the picture, honest

Lara44

That's so great, you two must be really excited. Do you know yet if it's a girl or a boy, or are you keeping it a surprise? I bet both families are totally thrilled!

Well I have some money news for once We went to the financial adviser yesterday who was really great. He talked us through what they did, different options for pensions, investments etc, making some short / medium and long term plans and the different levels of risk and types of investments suitable for each.

So the goals are -

Short term
- OH to have 6 months wages in the business - Done
- We to have 6 months my wages in cash ISA - Done
- OH to repay student loan remainder - £4500 - done

Medium term
Overpay the mortgage within 10 - 12 years
(We are shared ownership and then we can decide whether to staircase to the full amount or perhaps move out of London.) - This we have decided to do in stocks and shares ISAs I think, while the SVR interest rates are so low. We have a lump sum of about £8300 to kick this off with.
Me to pay towards my student loan - Any spare money from my stipend will go towards this, but not before I get my treats in my sig

Long term
OH to get a pension from his Ltd. company - starting 2012
Me to wait until graduation to see what happens job-wise -
That will be the next financially uncertain point. I think it might be difficult to get a job after graduation towards the end of 2013. We would like to start a family then so we may be without maternity pay. But we can live off OH wage with a small amount of cutting back.

It seems to be expensive to set up all this stuff, but I think it's worth it in the long run.

:money: