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No Money - but BIG ambitions

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Comments

  • Weronika
    Weronika Posts: 260 Forumite
    Thanks!

    Again, she kept me awake from 1am till 4am with 'OMG this has to be it' kind of pain, but by 6am everything faded to nothing and I was just exhausted and still no sign of the baby....

    I'm 2 days overdue now and feel like I'm NEVER going to have this baby...
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • museumworker
    museumworker Posts: 2,240 Forumite
    Part of the Furniture Combo Breaker
    Hang on in there, it can't be too much longer now. At least she should arrive before the curtains!
    Mortgage [STRIKE]16/03/2011: £190K 01/01/2017: £107,729.65 [/STRIKE] 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
  • Weronika, it'll be worth the wait! It took our little 'un several days and loads of mini contractions before the ball started rolling as it were...
    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 - 2037
  • Weronika
    Weronika Posts: 260 Forumite
    Hang on in there, it can't be too much longer now. At least she should arrive before the curtains!

    That made me laugh:p so true:rotfl:

    Thanks everybody for your support! I decided to ignore her totally today and I'm planning to go for a lunch at Italian restaurant, might be the last one for a year - if venturing out with 2 monkeys proves difficult:rotfl:

    I chased up invoices yesterday and got a response from manager that he thought accountant had paid it. I shall wait and see:cool: - I'll check my balance tonight.
    The good side of my madame keeping me awake all night last weekend was that I finished my proposal and send it off and it looks like they like it - so there is a 75% chance I will be able to utilize my KIT days for some paying work:D Would love that, as flat Mat allowance is not much really.
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • Weronika
    Weronika Posts: 260 Forumite
    Would you believe that??!!

    I just had a phone call - my curtains arrived:rotfl:
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • Rats! What else are you expecting?! Furniture wise? I would say it's amazing how you spend time getting the baby room ready, but the reality is that they don't spend much/any time in it for the first month or so.
    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 - 2037
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hope baby stops teasing you. I was 3cm for 5 days and constantly stopping and starting and remember how frustrating it can be!
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • Weronika
    Weronika Posts: 260 Forumite
    Just a quick update as I'm unable to sit down yet:)

    I had a fantastic lunch at Italian restaurant and than went shopping morrsn and than we went to hospital (me screaming all the way;)) It turned out I was 7cm already! 3hr later I had my girl! 3.7kg!

    and I was home before midnight in my own bed happy and exhausted and still in shock it went so quick!
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • That is wonderful news! Brilliant. Welcome to the world, mini Weronika! Please take it easy and rest up. Don't worry about pennies for a while. Very best wishes,

    Squirrel:j:beer::D
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years:D
  • Brodiebobs
    Brodiebobs Posts: 1,032 Forumite
    Part of the Furniture 500 Posts
    aw fantastic news congratulation. all those false starts were worth it then!
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