Saving for my maternity leave in July 2013

gearfreak

So I haven't been doing very well on the money saving front in the last couple of weeks as not been feeling great, been having back problems and other pregnancy related issues. Mostly on the food shopping that my money saving has gone down hill as I've not been able to finish off my batch cooking :0(
Will try and post a revised savings pot etc in the next couple of days.

We are getting the windows and carpets fitted on Friday though so that will be good and it had already been budgeted for.

And I am really dim soemtimes, just found out that I should be able to get either a cheaper mortgage deal or reduce my mortgage term from 24 years to 17/18 years! So currently looking for a good remortgage deal to get that sorted out.

Still working on other halfs money saving though as he is still going on about take aways etc, when I've told him that we are trying to save money and I'd much rather have a fresh home cooked meal as they generally tend to taste better.

Peonie

I hope you feel better soon. Getting the new windows and carpets will be lovely. How much mortgage payment do you think you save each month? Tonight we went to the shops to buy food rather than get a takeaway.

gearfreak

Thats good not getting a takeaway and going to the shops instead, particularly when your probably looking at between £10-£20 for a takeaway for 2.

If I didn't shorten the mortgage term and kept to 24 years I'd probably save about £150/month, but I think i'd rather reduce the term to about 18 years and keep the payments approx. the same as they are now, and then make overpayments when I can afford it. Just got to find a mortgage now!

gearfreak

So again not been too good a week on the money saving front as food shopping hasn't been going to plan as I've just been feeling so rubbish with my bad back, tiredness etc with being pregnant.

On the plus side the carpets and new windows have been fitted so that should save money on the heating bill next winter, we've already noticed the difference on the noise reduction :0)

Also managed to get some spotty c*th k*dston like oilcloth fabric for reupholstering two chairs for £10 instead of what would have been £25 delivered with c*th k*ston, so very pleased with that and going to try and get them reupholstered this weekend.

And I got a PPI claim back for £615 which was for credit card PPI and a bit of a shot in the dark, as I couldn't remember if I'd taken any out or not, so definatly recommend sending those PPI letters! This has gone straight into my savings pot.

I still need to sort my signature out and try and get back onto keeping track of what I'm spending.

gearfreak

So just tried to remortgage with the Yorkshire Building Society who have said that they won't give me the required amount I need to remortgage, which seems crazy as i'm not asking to borrow any more money just literally transfer my existing mortgage over and they are saying its unaffordable????? Does anybody know how they calculate their mortgages?

On another note though I have now got the account details to be able to make overpayments on my existing mortgage when I want so thats good.

Oh and I had another PPI letter come back for £651 which has gone straight into the savings account, and then another which they said they weren't upholding my complaint so I need to do the letter to the ombudsman.

And I'm hoping to get a £30 chargeback on my current account for a sportive that I entered a while ago, which then got cancelled due to the weather and the organisers wouldn't give me my money back or even reply to my emails.

On ebay I've given up for a while, have decided to give all the items that haven't sold to my inlaws for the carboot sales they go to every weekend.

Good news is that I finish work this Thursday for my maternity leave, whoop!! So at the end of the week I think that I am going to update my thread and close it down and start a new one in the mortgage free wannabe forum :0)

Peonie

Remember to put a link in your last post so I can find your new thread easily.

Sorry, I'm not with YBS so can't help you. Maybe check they have your correct figures.

Well done on the PPI.

gearfreak

Hi peonie, yep unfortunately I phoned them today to clarify why they said it was unaffordable and rechecked all the figures but still no joy, I find it really strange, so going to try a financial advisor as I could save up to £150 which would make a nice overpayment, and / or give me a bit of a buffer when on maternity leave.

Good news though the cycle sportive company have agreed to give me the £30 back for the event that got cancelled :0)

Yep I'll definatly post the link to my new thread on here, I've been following yours as well peonie :0)