SF's 2012 diary - the most exciting year yet!

rising_from_the_ashes

Ahhhhhh .....

I'm with DH ... try not to worry about it too much and - at least there are 2 wages so if the worst did happen, you could cut back on everything to the absolute bare basics and survive for a few months (my worries mainly stem from just having the one wage coming in and knowing I'd be absolutely errrrr *rude word* if / when it does happen).

Unfortunately the days of permanent jobs being exactly that are a thing of the past and they can now be gone just as easily as temp ones - really the only thing the perm benefits you with is things like mortgages etc (as you would still be entitled to things like redundancy pay / other employment benefits even if you were temp, depending on time you've been there).

Of course it wouldn't be fun .. but you would get a new job & be fine

Personally (and I know others won't agree) - I'd not worry too much about overpaying the mortgage too much at first - and certainly until you've got your emergency fund etc to a level you're comfortable with.

Yes, you'll save a bit of interest - but how much does that compare with what you'd be getting with it being in savings?

It obviously depends on the sums involved but I worked out how much a small OP to my mortgage would be (rounding it up from £277 to £300 each month) and it cut 2 years off.

Great - but we're talking 29 years away :eek: so - for me, it's better going to the emergency fund just now and maybe trying to do a bit of OP in a couple of years time (hopefully!)

It it's in an ISA, it would still be available to use for a mortgage payment if needed.

We all wobble .... it's actually good to wobble as it means you'll keep an eye on things and make sure budgets are stuck to etc.

slowlyfading

Thanks for posting that I know I'm probably worrying too much about things I can't really control - will ponder your ideas re: overpaying vs savings

Aamberle

Morning SF - Again am with DH and RFTA on this..I would definately advise you to focus on the positives..Moving home is stressful enough without adding to it..( you will end up a crazy as me)..You have a new job and that's exciting.. a chance for some other people you do not know yet to see how brilliant and organised you are..
HAve a great day XX

beanielou

Blimey I hadent realised what a wee gang of worriers we all are.
A permanant job is as permanant as it can be & thats it.
Dont worry about OP on your mortgage just yet.
Dont be so hard on yourself.

slowlyfading

Thanks guys I feel so stressed about things at the moment, and this stupid issue with money is not helping at all

Gah, need to stop worrying.

rising_from_the_ashes

Relax ....... and breathe!

Moving / mortgages etc are always stressful ..... take some "me" time tonight and don't think about it at all..... Rising's orders!

slowlyfading

Okay

Both me and DH are off ill today - we've both got upset stomachs. DH is still in bed and I'm on the sofa having a cuppa. I have a feeling we're both going to be ill on my birthday

In MSE news, no spending today!

rising_from_the_ashes

Ohhhhh no - hope you & DH are better soon (((hugs))) and you just must be by your birthday .... hopefully it's just a 24 hour thing xx

slowlyfading

Fingers crossed how are you today?

beanielou

Hope you feel better soon.