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SF's road to mortgage freedom!

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  • ljaneyr
    ljaneyr Posts: 1,135 Forumite
    Tenth Anniversary Combo Breaker
    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 Pratchett
    Bought our house 2012 :) Married 2015 :D Started renovating 2015 :eek:
    Renovation fund... what renovation fund? :eek: Emergency fund 40% Future fund... ongoing...
  • Alchemilla
    Alchemilla Posts: 6,274 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You just have anno domini on your side.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    So, it appears I'm really bad at updating this, sorry :o

    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 ;):o

    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.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • beanielou
    beanielou Posts: 95,780 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.

    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.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Thanks beanie :)

    I am in a proper grump today :o 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 :o 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 :o
    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
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 10 March 2015 at 9:36PM
    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 :heart::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.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    How wonderful that you felt the baby move - must be a very special time
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Goldiegirl wrote: »
    How wonderful that you felt the baby move - must be a very special time
    It was pretty exciting - makes it feel much more real :)
    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
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    It was pretty exciting - makes it feel much more real :)
    Wait till it finds your bladder - won't seem so exciting then :rotfl:.
    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"
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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 :)

    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!

    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 :)

    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.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
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