📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Southernman's steps to freedom!

Options
191012141519

Comments

  • I suggest you post on the Conception board on Mumsnet, they're very friendly and knowledgable. PCOS can make it harder to conceive but there are drugs (eg clomid) which can help. Far better to be diagnosed now than after you've spent a year trying to get pregnant.
    All the best, HC
    I'm a qualified accountant but please make sure you get expert advice as any opinion is made in a private capacity.
    "A goal without a plan is just a wish" Antoine de Saint-Exupery

    Mortgage overpay 2012: £10,815; 2013: £27,562
    Mortgage start £264k, now £232k
  • Hi Southernman

    I wouldn't worry, my mum and sister had the same thing, my mum went on to have hers operated on and they only left half of one ovary...she then went on to have me and my brother and sister (who are twins!!) And I'm 50....things have improved a lot since then.

    My sister has two smashing kids - so don't beleive everything you read :)
    xxx
    Remember, if you ever need a helping hand, you'll find one at the end of your arm...As you grow older you will discover that you have two hands. One for helping yourself, the other for helping others.;)
  • Try not to worry..i have PCOS too and i am now expecting our 4th child. The only thing i would say is, it can take a bit longer to get pregnant because of the irregular cycle...i used ovulation kits to tell me when i was ovulating. I also know loads of other people who have had children with PCOS. Hope that helps :)
    Credit card £4461.15Home mortgage £137117Buy to let mortgage £83,000
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Try not to worry..i have PCOS too and i am now expecting our 4th child.
    I thought you said not to worry - that would terrify me :rotfl:.

    I too know people with PCOS who've had families. Far better to know so you can find out more and make informed choices.
    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"
  • Thank you everyone for your help and encouragement. It's hard to ask people my own age because no one has really experienced it. I spoke to my mum and she mentioned it to my aunty who said that her manager had it and was told she could never have children...she has 2! I'm 23 so not really ready for babies yet but it's good to know there are things you can do about it. I suppose what will be will be at the end of the day.

    P.S thank God for pay day tomorrow, it's been such a long month.
    Mortgage 1: May 2012 £90,000 April 2020: £47,000
    Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
  • gallygirl wrote: »
    I thought you said not to worry - that would terrify me :rotfl:.

    That made me laugh out loud GG...i think i am bordering on insane :rotfl::rotfl:
    Credit card £4461.15Home mortgage £137117Buy to let mortgage £83,000
  • Oh yeah and can I just say I fear the day I have to have a smear test. The lady stuck some weird dildo thing which she put gel on up my front bum to spy on my ovaries. My legs were so tense I thought they would snap. My God. My dad was waiting for me in the waiting area and I had to go out and wee beforehand and my dad didn't understand what was going on! I was traumatised enough as it was!
    Mortgage 1: May 2012 £90,000 April 2020: £47,000
    Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
  • Southernman
    Southernman Posts: 605 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    edited 18 December 2012 at 9:45PM
    So after the trauma of yesterday i have something else on my mind. More of a financial dilemma this time.

    Now at the moment i put into a pension at 5% of my wage (my employer gives me 15% which i can do what i want with, 10% i use to live off, the rest goes in).

    In April i will be getting a 3% increase in wage and as the tax free amount goes up i'll probably get an extra £20 a month for that.

    Do i

    a) put in 2% extra into my pension and anything left over (1% + potential £20) as an overpayment on my mortgage

    b) put 0% (or 1%) in my pension and focus on extra mortgage overpayment instead as i've not had my mortgage for even 2 years yet and it will make more of an impact further down the line regarding less interest

    c) do neither and keep it for myself to spend on clothes, holidays, furbies and other pointless cr*p

    I have been putting into my pension for 2 years now (21 years old) which was when i first started full time employment but i'm not sure whether i'm better off paying off my mortgage quicker so that by the time i'm 33-35 ish i can throw in the full 15% into my pension and be mortgage free.

    Another thing i didn't even think about- something my dad brought up. By then i may have babies? I'm not really sure what the best course of action is. I don't have final salary pension or anything as i was too late for it.
    Mortgage 1: May 2012 £90,000 April 2020: £47,000
    Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
  • the more you put in your pension now, the more benefit you will get come retirement, mind you the same thing applies for overpaying the mortgage.
    Mortgage May 2012 - £129k
    January 2015 - Mortgage down to £114k
    Target for 2015 to get down to £105k
  • The sooner I pay off the mortgage, the sooner I can pay more towards my pension HOWEVER the sooner I add to my pension the MORE my pension pot will be when i retire by which time I'll have paid off my mortgage!
    Mortgage 1: May 2012 £90,000 April 2020: £47,000
    Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.