The second hurdle - Nichelette v the huge mortgage

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  • ohdearhowdidthathappenohdearhowdidthathappen Forumite
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    Wow, sounds like you had a tricky time!  Glad all settled down a bit now.... 
    Debt Dec '18 £45393. Debt free June 2020
    New savings goals: House renovations £10000/£10000 - complete 09/21, FFEF £5000/£10000
  • savingholmessavingholmes Forumite
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    Congratulations on baby Oliver. Sorry I missed your post. Good to see you back. Sounds like a scary birth. Hope you recover soon
    Target 1) Clear CC debt - £1644 to go (but debt neutral) @ 0% Target 2) Lose weight & get fit 3) Write regularly 38113/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 262 payments to go. Now £200720. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £187 including tax relief
  • NicheletteNichelette Forumite
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    Thanks both :).

    Baby had his 8 week jabs 2 weeks ago and weighed 15lb 3oz :open_mouth:. It's crazy he's 10 weeks today. I've developed a reusable nappy addiction, so we're only saving the environment and not my purse! That said I can sell them when we're done so not all bad I suppose. They're just so lovely. 

    Sadly boy bunny's health was declining so I had to let him go. That was £250 between the vet and crematorium, but at least he's not suffering now. Oh, and another £80 as I'm getting a little bun tattoo to remember him. He had a beautiful character and having nursed him for so many months he really touched me. 

    Got a big water bill and car tax this month so £320 total, though water bill half isn't going until next pay month. I'm still putting away £500 a month whilst I'm on full pay so I'll have a 3k buffer in a few months for the remaining 6 where I'm on reduced pay. We decided to try and live on just husbands pay this month so mortgage has been overpaid by nearly 2k for June and if we overspend I'm going to use the credit card. I don't want to run up a CC bill (0% card is clear now) so that's the incentive not to spend money! We've done it the opposite way around to usual and overpaid as we have been paid rather than seeing what is left. I'm hoping it will stop us frittering on rubbish, and I've got a tight food budget so I'm going to send DH shopping because I'm usually responsible for picking up lots we don't need and inflating the bill where he will stick to the list. 

    Anyway, until next time...
    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £228,885.57
    MFW #86 - aiming for 5k in 2022
    Overpayments since 27.03.19: £39,573. 52
  • bubblycrazybubblycrazy Forumite
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    Sorry to hear about bunny, a tattoo to remember him by is lovely.
    Well done on this months overpayment! 
    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025 Current MFD: 2030
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
  • NicheletteNichelette Forumite
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    Sorry to hear about bunny, a tattoo to remember him by is lovely.
    Well done on this months overpayment! 
    Thank you :). It's only a little one the same as this https://www.pinterest.co.uk/pin/5629568273548234/, but it looks exactly like him. I haven't had one before so I'll see what the pain is like :D

    Good news, I found £22 I didn't know I had in my Checkoutsmart account and I'm still making pocket money on Prolific, plus I'm also very close to £25 on One poll.  Odds and ends, but it all adds up!
    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £228,885.57
    MFW #86 - aiming for 5k in 2022
    Overpayments since 27.03.19: £39,573. 52
  • savingholmessavingholmes Forumite
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    Sorry about bunny. Glad you and baby are doing better
    Target 1) Clear CC debt - £1644 to go (but debt neutral) @ 0% Target 2) Lose weight & get fit 3) Write regularly 38113/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 262 payments to go. Now £200720. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £187 including tax relief
  • ladysummerisleladysummerisle Forumite
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    That’ll make a cute tattoo. My sister got one on her hip when she turned 18. Unfortunately it was a blue Thumper and looked distinctly rabid..

    Hope the mat leave is going well. My little girl is two weeks today and it seems like it might be quite peaceful in comparison to wfh this past year. 

    MFW diary: https://forums.moneysavingexpert.com/discussion/6254913/never-a-good-time-but-here-goes#latest

    Original MF date: October 2036 (£81,500)

    Current MF date: December 2029 (I think!)

    OP 2021: £8807, EF / maternity fund: £6300

    Outstanding August 2021: £44106


  • NicheletteNichelette Forumite
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    Thanks Saving :). I knew it was his time and that makes me feel a bit better. It wasn't before, but it came to be that way recently. 

    Congratulations @ladysummerisle! Is she your first? Oliver is our first and I completely underestimated the sleep deprivation! Fortunately now he is sleeping for longer and to be honest he's pretty good so I can't complain.

    All being well we're hoping to try again for second and final when he is about 1. We can't really wait much longer as I'll nearly be 36 by then. It's a shame about covid as I really think he'd love to meet some babies his own age now. He absolutely grins at himself in the mirror and it's so adorable! I don't know about you, but it was almost like I was never pregnant as I hardly saw anyone, didn't go to any baby shops etc. Again though, with my age I didn't want to delay so we had to take the plunge.  

    I've started jogging again yesterday. I'm redoing C25K and was so, so happy to get out there again. It felt so liberating! 



    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £228,885.57
    MFW #86 - aiming for 5k in 2022
    Overpayments since 27.03.19: £39,573. 52
  • ladysummerisleladysummerisle Forumite
    56 Posts
    10 Posts Name Dropper
    Thanks! Second time round for me - I have a 4 year old boy who’s off to school in September. I’m 38 and not entirely decrepit yet but it’s sensible to start trying earlier rather than later. Plenty of people go back to work already pregnant with a second. 

    Do enjoy this early stage. When they start moving then it gets gradually more difficult. Then there’ll be the teething and leaps that throw things off at intervals. I’m quite looking forward to afternoon naps come the autumn! 

    I can’t profess to be a runner but I’ve lost the baby weight and will swap chocolate for salads in a few weeks. I’ve plenty of things to do round the house like decluttering that I’m sure it’ll feel like exercise. 

    Do get some mum friends if you can - groups should be open more and more so that helps. It’s all too easy to feel isolated on maternity leave. It’s really nice to see them start to interact with other babies too. 

    MFW diary: https://forums.moneysavingexpert.com/discussion/6254913/never-a-good-time-but-here-goes#latest

    Original MF date: October 2036 (£81,500)

    Current MF date: December 2029 (I think!)

    OP 2021: £8807, EF / maternity fund: £6300

    Outstanding August 2021: £44106


  • savingholmessavingholmes Forumite
    17.9K Posts
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    Glad you are getting to run again. 
    Target 1) Clear CC debt - £1644 to go (but debt neutral) @ 0% Target 2) Lose weight & get fit 3) Write regularly 38113/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 262 payments to go. Now £200720. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £187 including tax relief
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