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SF's road to mortgage freedom!

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Comments

  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    I don't even know! Well, actually, there is one thing. I want to go on holiday! I'd love to go away somewhere hot and lounge on a beach for a week, just to escape. But, I know that at the moment, we do not have that luxury nor the time to do that before the baby comes.

    You have Whitsun week coming up, get something booked. :)
    You've hit the nail on the head there :o I worry that I'm not going to be a good enough parent, that we don't have enough money or time - which is stupid! Everybody must go through this though, right?

    Having a child does not mean my life is over as I know it. It just means that it changes, but definitely for the better :)

    Having a bit of a life wobble at the moment, it would seem :o

    I don't think I'll be ever a good enough parent for my son and it's a concern I have had since I told my wife I wanted us to have a child. In my case I don't think it entirely irrational but even the really very good parents seem to think along the same lines.

    Yes, your life will change and your marriage also but it doesn't really do anyone good to have their entire lives revolve around one small person.

    Hope this makes sense. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Makes perfect sense, thank you :)
    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
  • edinburgher
    edinburgher Posts: 13,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Not at all! Are you beginning to get nervous?

    Just excited. So very, very excited :)
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Just excited. So very, very excited :)
    Aww :) lovely!
    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
  • Morning, I'm sure every parent has the same worries. It's a big job but the rewards are wonderful. So many stages of development and each one brings both joy and concerns.

    The next few weeks will pass so quickly - take care.

    Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • NorthernMonkey1
    NorthernMonkey1 Posts: 352 Forumite
    Ninth Anniversary 100 Posts Combo Breaker Mortgage-free Glee!
    edited 4 May 2015 at 8:11AM
    I've never had a child, but I've looked after my nephews a few times. My sister has 3 boys, and used to swear by £30-40 fold up buggys. They can get left outside without being stolen, got chucked into the back of cars easily, were easy to clean when they inevitable got covered in chocolate, sick, chocolate sick and what ever else.


    It's easy to buy a 14 tonne behemoth pram, that transforms, and makes coffee, but you have to carry It around, and lift it into your car. Get something light and simple .


    Remember that the people in the shop don't work for you, they work for the shop. It is their job to sell you the most expensive pram they can, and they'll use their trump card 'Do you not care about your babies safety? you NEED a £1000 pram or you are a bad mother'


    Check euro ratings, not manufacturer marketing info.

    WRT to pension, for the last 5 years, I've put every pay rise increase straight into my pension. In 5 years, 've gone from 3% to 11% contribution, that my employer matches to 10%.


    I've not missed the increase, because I've never had it, but hopefully I'll have enough to retire on when I'm 60
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Morning, I'm sure every parent has the same worries. It's a big job but the rewards are wonderful. So many stages of development and each one brings both joy and concerns.

    The next few weeks will pass so quickly - take care.

    Tilly x x
    Thank you :) and time is beginning to go faster :eek:
    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
    Northern Monkey - thanks for your post :) I think we have decided what pram to go for - £289 for the pram and car seat and it is nice and light :) it passes all of the safety regulations and I'm not bothered about fancy colours - it'll be black :)

    Congratulations on your pay increases and awesome job on putting it straight into your pension! I'm sure it'll pay dividends when you retire :)
    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
    What a lovely, extended weekend it has been :) I quite like being at home and not at work :p

    We managed to spend £85 on some new towels and duvet set today :eek: we've needed new towels for ages, and since our bathroom has been finished since the end of November, they're long overdue. But, :eek: who knew that towels and duvets would be so expensive? Not me, that's for sure!

    We also treated ourselves to a pub lunch, seen as we were out anyway, which was nice. We had a game of pool which DH well and truly beat me at :o he only had one red ball left to pot whilst I had 6 yellows still on table! I blame not being able to bend down properly for my rubbish attempt at playing ;)

    The rest of the week should see a fairly quiet, normal week for us :) NSDs for the rest of the working week and then a family oriented weekend planned :)

    Happy bank holiday 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
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Sounds like a great day, slowlyfading. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
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