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SF's road to mortgage freedom!
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            Alchemilla wrote: »Maternity pay for teachers is one of the paybacks for ending up a dishevelled mess when you get to my age. *wink smiley*
 Dishevelled? Check. Mess? Check."It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry PratchettBought our house 2012 Married 2015 Married 2015 Started renovating 2015 :eek: Started renovating 2015 :eek:
 Renovation fund... what renovation fund? :eek: Emergency fund 40% Future fund... ongoing...0
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            You just have anno domini on your side.0
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            So, it appears I'm really bad at updating this, sorry 
 Nothing much has changed to be honest; we're just plodding along as normal. Work has been mentally busy, as per usual, but I'm hoping this week it will calm down a bit and I'll be able to catch up on some much needed sleep.
 I'm 18 weeks pregnant now, and am definitely acquiring a bump :eek: I still haven't told the kids at work yet - I am kind of hoping to make it to the 20 week scan - but I'm not sure I'll be able to hide it much longer to be honest. My work trousers are getting tight and there's a roundness that wasn't there before  
 We've recently re-mortgaged so that we have a much better interest rate. It means that we have a lower monthly payment and the interest is over £100 lower a month, which is fantastic. We'll keep on overpaying for as long as we can, though as soon as I go on maternity leave, it might have to stop, depending on finances. However, less interest means we can overpay at a faster rate, even if it's just the short term!
 Happy Sunday everyone Be who you are and say what you feel because those who mind don't matter and those who matter don't mind. Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
 Personal Finance Blogger + YouTuber / In pursuit of FIRE
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            Great news on your re-mortgage I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert. I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
 Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
 "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
 ***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
 One debt remaining. Home improvement loan.0
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            Thanks beanie 
 I am in a proper grump today I am so fed up with various people at work at the moment, so much so that I ended up saying something today which probably could have gone better I am so fed up with various people at work at the moment, so much so that I ended up saying something today which probably could have gone better it needed to be said, but I wasn't very tactful about it... oops. it needed to be said, but I wasn't very tactful about it... oops.
 I'm also fed up of not sleeping - my tiredness levels are much worse during the week as I seem to be awake a lot more than on the weekend. Also, I can lie in at the weekend so that does help. At this point in time, I cannot imagine going another 20 weeks at work :eek:
 Meh, I'm glad Monday is almost over Be who you are and say what you feel because those who mind don't matter and those who matter don't mind. Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
 Personal Finance Blogger + YouTuber / In pursuit of FIRE
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            Okay, I'm in a better mood today 
 Had another NSD - I took cheese and crackers for lunch, with an orange, some dates, a yogurt and some crisps. Tonight's tea has been chicken with cherry tomatoes and peas in a creamy pesto sauce with rice followed by grapes and a caramel wafer. All yummy stuff 
 I've posted a blog post about early retirement today - I am so hopeless at getting things sorted, but I'm trying to not let it get to me!
 I have felt baby move for the first time :smileyheaI'd  got up for a wee about 4am this morning and was just laid in bed trying  to go back to sleep. It felt like someone had flicked the inside of my  stomach! I woke DH up to tell him :rotfl: it was an amazing feeling - it has made it feel much more real all of a sudden. There's something growing inside of me...! :eek: :smileyheaI'd  got up for a wee about 4am this morning and was just laid in bed trying  to go back to sleep. It felt like someone had flicked the inside of my  stomach! I woke DH up to tell him :rotfl: it was an amazing feeling - it has made it feel much more real all of a sudden. There's something growing inside of me...! :eek:
 Happy Tuesday everyone Be who you are and say what you feel because those who mind don't matter and those who matter don't mind. Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
 Personal Finance Blogger + YouTuber / In pursuit of FIRE
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            How wonderful that you felt the baby move - must be a very special timeEarly retired - 18th December 2014
 If your dreams don't scare you, they're not big enough0
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 It was pretty exciting - makes it feel much more realGoldiegirl wrote: »How wonderful that you felt the baby move - must be a very special time Be who you are and say what you feel because those who mind don't matter and those who matter don't mind. Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
 Personal Finance Blogger + YouTuber / In pursuit of FIRE
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 Wait till it finds your bladder - won't seem so exciting then :rotfl:.slowlyfading wrote: »It was pretty exciting - makes it feel much more real A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort Mortgage Balance = £0 Mortgage Balance = £0 "Do what others won't early in life so you can do what others can't later in life"0 "Do what others won't early in life so you can do what others can't later in life"0
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            I'm 20 weeks today, which means I'm half way :j :eek: how can that be already?! Got my next scan on Thursday which I'm so looking forward to - I'm hoping that we get to hear the heartbeat this time :j :eek: how can that be already?! Got my next scan on Thursday which I'm so looking forward to - I'm hoping that we get to hear the heartbeat this time 
 March spends are slightly higher than then should be, but I'm not worrying about them for now. I think April will be worse in terms of spending as I think we'll have to buy a new cooker plus we've got the car  booked in at the beginning of April as it's leaking oil which we need to get sorted. So no idea how much that'll end up costing us as a whole. I think April may have to be a fiscal fast to deal with all of that! plus we've got the car  booked in at the beginning of April as it's leaking oil which we need to get sorted. So no idea how much that'll end up costing us as a whole. I think April may have to be a fiscal fast to deal with all of that!
 In other news, I've had a NSD working week this week as in keeping with my working week challenge that I posted about on my blog, it's gone well. I have been tempted a couple of times, but I have stayed strong as in keeping with my working week challenge that I posted about on my blog, it's gone well. I have been tempted a couple of times, but I have stayed strong 
 Happy weekend everyone Be who you are and say what you feel because those who mind don't matter and those who matter don't mind. Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
 Personal Finance Blogger + YouTuber / In pursuit of FIRE
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