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Our forever home
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All the luck in the world with IVF. I hope it all goes smoothlyBottom line;
£49k paid off
Car HP paid off
Debt Free!
Saved Escape fund and moved out.
Current focus; saving Emergency fund2 -
All the best for IVF. My 6/10 quality FET transfer is stomping around the room next to me.I didn’t think it was going to work and was happily proven wrong. It’s a difficult process, I remember it well x2017 - mortgage of £140,000 and interest rate of £10 a day
Feb 2021 mortgage of £103000
May 2021 mortgage of £100000
July 2021 mortgage of £97000
November 2021 mortgage of £93000
July 2022 mortgage of £84000
December 2022 mortgage of £79000
December 2023 mortgage of £73000
March 2024 mortgage of £70000
May 2024 mortgage of £68000
October 2024 mortgage of £65000
February 2025 mortgage of £63000
March 2025 mortgage of £45000 and interest of £6.07 per day3 -
Thank you both.
I'm glad you were proved wrong Agathasquirrel I really hope we will be too!
Been trying to stay calm and hopeful this weekend, not sure we will sleep tonight though!MFW
Starting debt :£287,410 -11/2020
2022 Closing balance £271,402.45
2023 closing balance £263140
Original end 11/2045
New end date :.......
Overpayments to date £574.4 (1/26)1 -
We have one blastocyst on board, got a call at 8am this morning and sobbed for some time after, could not stop thanking whoever is helping us, I knew the odds were against us with only 1 fertilised egg!
I know that's no guarantee it will stick, so lots more prayers and more positive thinking.
A couple of easy days, before a work course on weds then a couple more days of AL. Need to keep my mind occupied this week, next week back at work so the week should fly by.MFW
Starting debt :£287,410 -11/2020
2022 Closing balance £271,402.45
2023 closing balance £263140
Original end 11/2045
New end date :.......
Overpayments to date £574.4 (1/26)3 -
By some miracle it had worked! Early days still, thankful for every day.
Should have a scan in 2 weeks to check viability. Nervous, but for as long as im waking for my 3am toilet run, or breaking out in yet more spots I feel strangely reassured.
With the ectopics I didn't test positive until 2 weeks later because it takes longer for hcg to rise. This time we tested positive early!
Mse wise
Paywise it wasn't a payrise I had missed but the local authority backdated pay. I could have sworn we were all offered 2% so how it ended up at 1.75 i have no clue. Unless some staff fall under one pay and some under another? Who knows I do need to get a bit more clued up about this. Or was the 2% quoted the year before backdate that I somehow missed? I really need to ask questions get this straight in my head. Can't believe it takes a year to get the actual difference, I hope thats not repeated.
We've yet to recieve the council tax payment, that needs to go straight on the gas bill.
Payday tomorrow, we've got a strict food budget to cut back to for next month so budget is all prepared. Need to get into a better habit now to boost our savings and make things easier in 8 months!
MFW
Starting debt :£287,410 -11/2020
2022 Closing balance £271,402.45
2023 closing balance £263140
Original end 11/2045
New end date :.......
Overpayments to date £574.4 (1/26)4 -
Oh that's great news. Hope it all goes well for you and going through all this rollercoaster journey brings you a lovely addition to your family. Fingers crossed.1
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Wonderful news! Hope the scan is everything you're hoping for.Bottom line;
£49k paid off
Car HP paid off
Debt Free!
Saved Escape fund and moved out.
Current focus; saving Emergency fund1 -
So pleased to read this.1
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Thank you all, we have our early scan in 13 days when I should be just over 6 weeks all being well 🤞🌈🙏MFW
Starting debt :£287,410 -11/2020
2022 Closing balance £271,402.45
2023 closing balance £263140
Original end 11/2045
New end date :.......
Overpayments to date £574.4 (1/26)3 -
So very high right now, insanely giddy, we saw our beautiful bean in the right place with heart thumping away ❤️
Early days but cannot believe our luck truly cannot 🌈❤
Money wise it's just crazy, I've used £40 of fuel in the past week, that used to last me close to 2 weeks. Visiting family tomorrow so will need to top up again before placement starts its further away from my usual workplace but the good news is I can claim the difference in expenses, that should take the edge off.
In good news there was an invite to a reward club in my first emmas diary pack, I used to do it a few years back until my laptop broke. I've since replaced it so was chuffed to see I could rejoin, the vouchers were so handy towards Christmas, birthdays, it will really help.
I've worked out with a top up of occupational pay for a couple of months maternity should be manageable. When the time comes to pay for nursery fees things will feel hugely tighter. From then for around 2 years every penny will be watched, then I should hopefully qualify and get good payrise.
So the focus is on saving as much as we can now to try to make the tough times a bit easier. We already agreed we will get as much as we can reasonably get second hand. I was given a huge amount by friends and an old boss when DD was born, I barely had to buy a thing, but I do remember how quickly she outgrew moses basket, cot etc I passed them onto others but she didn't have them long at all.
A while to go before I get brave enough to start buying, maybe around August time all being well but I'll enjoy window shopping in the meantime!
MFW
Starting debt :£287,410 -11/2020
2022 Closing balance £271,402.45
2023 closing balance £263140
Original end 11/2045
New end date :.......
Overpayments to date £574.4 (1/26)4
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