Keeping on the Straight and Narrow...

[Deleted User]

Well done on owing your mum nothing  

beanielou

That’s fantastic. 

Always good to only have one debt 😃

FootyFanDan

😀 this is amazing news! Well done on clearing the mum debt, that must be a relief on all levels. You will smash the CC debt in no time x

DancingInTheRain

Thanks @beanielou @SSDD23 & @FootyFanDan 💕

I've had a smile on face all morning knowing we no longer owe Mum anything.

She's been great, never mentioned it & in all honesty wasn't bothered about us paying it back, but it's never sat right with us so now we don't have that self inflicted worry hanging over us.

Strictly speaking it made the new mortgage slightly less cost effective in the short term as, ideally, we needed to pay the cashback off the mortgage to make it the best value product over the 2 year period.

However, as long as we overpay the mortgage by over £1000 over the next 2 years, (which would be achievable even on just DH's salary) we'll be no worse off.

We already send small overpayments each month to round the mortgage account down, may try to increase this a little each month.

Once debt free we're planning on sending all spare money to the mortgage so we should be back on track by the time we remortgage in June 2020.

beanielou

June 2022? 

DancingInTheRain

beanielou said:

June 2022? 

Oops 😳 yes definitely June 2022, thanks @beanielou 🙂 x

savingholmes

Well done on clearing your debt with your mum. I think it is always best to keep money and relations separate where poss.

enthusiasticsaver

Great news that one of your debts is gone and you no longer owe your mum anything. 

DancingInTheRain

Still smiling  
Had to collect mine and DH's repeat prescriptions today so while I was out I filled my car with petrol as it was virtually running on fumes and I can't see fuel being 99p per litre for much longer.
Have just updated our grocery order which will be delivered tomorrow. Had a better day with the boys, they were up at 5.50 today but they weren't as exhausted/hard work as they were yesterday. We've gone back to a stricter bedtime routine as allowing them to stay up slightly later during lockdown isn't working, they're both looking a little run down and they just absolutely need to be asleep before 7 or the next day is always guaranteed to be hard work.
Stricter routine starts at 6pm which sees us tidying all the toys away and a quick hoover of the living room, followed by 10 minutes of dancing/running round to music to burn off the last bit of excess energy, 15 minutes in the bath then 2 stories and lights out. We did this yesterday and today and they've both settled fine, hopefully they'll both wake up a little later tomorrow. Usually when we stick to this routine one or both of them wake up around 6.30 or later which is much more palatable   I'm really missing my quiet start to the day with a cuppa, it's been more like 'wake up with a bang and don't get a minute to myself all day' lately and it's starting to get to me.
Hope everyone else is well xx

sashybo

Well done on paying the debt to your mum off, you're doing so well. 👏 

I know what you mean about an earlier bedtime working better for the kids, my DS is definitely better when he goes to bed earlier - we had been letting his bedtime creep up to 7.30/8pm and it was far too late for him. It's much better when he's in bed for 7/7.15 at the latest.