Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    LittleBit
    Is it wrong to want it all? Ramblings and other stuff
    • #1
    • 16th Jul 09, 5:18 PM
    Is it wrong to want it all? Ramblings and other stuff 16th Jul 09 at 5:18 PM
    Well I've had to change my username as I've totally forgotten my log in details, so here I am as a newbie again.

    I've been meaning to set up a diary for a little while, so here goes.

    I'm 27 and live with my hubby and little boy who is 18 months, I'm also 6 months pregnant and due to finish work in 10 weeks. We live in a biggish house with a biggish mortgage that we're paying only paying interest on. We have 2 cats and a daft dog that live with us, and have recently sold one of our cars to save some money.

    The idea is that I'm going to have a year off work, and hopefully not go back, but obviously that depends on how we can manage while I'm off work. I may do a bit of part-time work in the evening or from home to tide us over.

    Also, we're trying to do up our house. We bought it from an old couple and it was really chintzy and gross. So far we've put in a new kitchen, redone our bedroom and put in a new en-suite. Redecorated the lounge, and done our little boys room. We would still like to do the dining room, the hallway, the spare room, which will be baby number 2's room, and the utility room which is started, but needs plastering.

    This diary is for my general ramblings around how we'r trying to save money but still have a life, along with keeping the little un occupied, getting all the thigns ready for the new baby, doing up the house, and hopefully saving up for a holiday too.

    I will post a SOA soon, but am just about to check out the freezer to see what we can have for tea.
Page 1
    • hieveryone
    • By hieveryone 16th Jul 09, 5:29 PM
    • 3,624 Posts
    • 4,821 Thanks
    hieveryone
    • #2
    • 16th Jul 09, 5:29 PM
    • #2
    • 16th Jul 09, 5:29 PM
    Didn't want to read and run, but just want to say good luck Your little family sounds fantastic


    Bought is to buy. Brought is to bring.
  • LittleBit
    • #3
    • 16th Jul 09, 6:34 PM
    • #3
    • 16th Jul 09, 6:34 PM
    Oops I meant to post this in the Diaries board, hopefully someone will move it for me?
  • LittleBit
    • #4
    • 17th Jul 09, 9:25 PM
    • #4
    • 17th Jul 09, 9:25 PM
    Well today and yesterday were low spend days really

    Yesterday I met a new friend (trying to make some more mum friends) and we went to a soft play centre where you get a drink and biccy for the little uns, and then a coffee, all for 3 so didn't think that was too bad.

    Today I met another friend and we took the little uns to a playgroup that's 1.50 and they get a drink and a snack again.

    This afternoon I walked town to the midwife drop in clinic and got soaked I just had a routing antenatal appt as my appts are spread out really far apart at the moment. Everything was fine and DS and I got to listen to baby's heartbeat
    We were supposed to be going to a barbacue tomorrow, but as it's been peeing it down all day and is supposed to be all weekend, I doubt we will be going. In the morning we're going to a nearly new sale to get some autumn/winter things for DS, and some teeny bits for the new baby.

    Oh yeah, we went out for tea tonight too, but just to the carvery, so it was only 13 for all of us.

    On the house front we've STILL not got a plasterer I'm getting fed up of waiting for this room to be finished GRRR.
    • Tixy
    • By Tixy 17th Jul 09, 10:23 PM
    • 31,062 Posts
    • 39,469 Thanks
    Tixy
    • #5
    • 17th Jul 09, 10:23 PM
    • #5
    • 17th Jul 09, 10:23 PM
    Hi Littlebit

    Glad to hear things are well with your bump. Is DS really excited at the thought of a little sibling?

    You sound really busy with major decorating, your DS and your new addition, not to mention the pets. I'm impressed you are finding time for money-saving stuff as well.

    Have you a lot of debt to repay or is it more about saving money so you don't have to work fulltime? Hope things go well for you.
    A smile enriches those who receive without making poorer those who give

    or "It costs nowt to be nice"
    • Flower08
    • By Flower08 17th Jul 09, 10:24 PM
    • 4,749 Posts
    • 38,835 Thanks
    Flower08
    • #6
    • 17th Jul 09, 10:24 PM
    • #6
    • 17th Jul 09, 10:24 PM
    Hi, just wanted to say goodluck with the whole journey. I will look forward to seeing how you get on and will follow the thread with interest!
    Biggest Loser Weight Loss: 13 / 20 lb
    • savingholmes
    • By savingholmes 17th Jul 09, 10:42 PM
    • 8,955 Posts
    • 17,028 Thanks
    savingholmes
    • #7
    • 17th Jul 09, 10:42 PM
    • #7
    • 17th Jul 09, 10:42 PM
    Just popping along to wish you luck... it sounds like you are cutting your cloth to suit your new circumstances which is good...
    Today is a new day 93/310 10 a day Mar Challenge DFD August 2021
  • LittleBit
    • #8
    • 17th Jul 09, 11:17 PM
    • #8
    • 17th Jul 09, 11:17 PM
    Hi Littlebit

    Glad to hear things are well with your bump. Is DS really excited at the thought of a little sibling?

    You sound really busy with major decorating, your DS and your new addition, not to mention the pets. I'm impressed you are finding time for money-saving stuff as well.

    Have you a lot of debt to repay or is it more about saving money so you don't have to work fulltime? Hope things go well for you.
    Originally posted by Tixy
    Hi,

    DS doesn't really have a clue that he's getting a brother or sister yet, he's only 18 months, so is more instereste in tractors and bikes at the moment

    Yes we've been busy with deorating ever since we moved in really (2 and a half years ago!!) and we're trying to wind down a bit now. The plan was actually to get the garden sorted, but the weather has put that on hold for a little while.

    We don't have a lot of debt to repay at all, at the moment it's only a credit card with 400 owing on it, but we're hoping to buy DH a scooter or small bike for him to go to work on so I can have the car while I'm on maternity leave. Yes the idea is that I can either reduce my hours a lot, i.e. to 2 and a half days a week max, or to stop working altogether.
  • mikthe20
    • #9
    • 18th Jul 09, 12:08 AM
    • #9
    • 18th Jul 09, 12:08 AM
    We don't have a lot of debt to repay at all, at the moment it's only a credit card with 400 owing on it, but we're hoping to buy DH a scooter or small bike for him to go to work on so I can have the car while I'm on maternity leave. Yes the idea is that I can either reduce my hours a lot, i.e. to 2 and a half days a week max, or to stop working altogether.
    Originally posted by LittleBit
    First of all LittleBit, I just wanted to say good luck with the baby - it's a wonderful thing.

    What I do have to say is not a comfortable thing to say but is important - you DO have a lot of debt - you said in your OP that you have a biggish mortgage on interest only. I don't want to spoil the party, but it would IMO be better for you all if you tackled this. You are effectively currently renting the house, but with the option to buy it at some point in the future at the price you agreed, whilst paying rent to live in it (ie. interest). If you are investing money elsewhere to pay the mortgage off then please ignore me, but I get the impression you are ignoring the mortgage repayment. I can understand it - the "rent" (interest payment) leaves your bank account every month and you get used to it and can easily ignore it. But you are paying none of the debt off. Please reconsider how you might start to pay that off. You might have 25 years to pay the mortage off, and that seems a long time, but you can't keep putting that off. Sorry if I'm being a bit over-the-top, but I'm trying to suggest it for the best for you and yours.
  • LittleBit
    Hi,

    That's ok, I know we need to tackle it. The plan is that we will stay on interest only til the kids are at school, then we'll deal with the mortgage.
    Hopefully the market may have improved by then...

    We did actually pay a fair amount off the mortgage from when we first moved in, but when I had DS we had a mortgage break and it added loads of interest on That's why we're saving this time and not having another break. I've learnt my lesson!
  • LittleBit
    Also, maybe my first post should have said we have a really big mortgage on a pretty big house.

    Our house was bought for 185k, and our mortgage is for about 174,500. Which is on interest only at the moment, it costs us 692 a month at the moment just for interest only
    I occasionally have huge panics about the mortgage, but what we hope to do is start paying it again when the kids are at school. Out term was only 22yrs when we moved in 2 yrs ago, so if we start paying it again in 4 years time, we would only have 16yrs left so I'd imagine our repayments would be huge. However, we would be able to extend our term to take us til I'm 60 which would be 28yrs by the time we start paying again. Obviously we don't want it to take that long, but if we're both working full-time again (or at least more hours for me) then we should be able to overpay.

    That is the plan anyway!! But yeah I have majorwobbles about being on an interest only mortgage at the moment, but needs must. My babies come first at the moment.
    Last edited by LittleBit; 18-07-2009 at 6:40 PM.
  • LittleBit
    Well today's off to a good start. I've just saved about 50. Went onto the Next Sale website to but some bits for DS and the new baby, and there was hardly anything left, so just closed the window down. Plus we're off to the nearly new sale later where I bet there will be loads of good stuff.
  • LittleBit
    I went to the Nearly New sale, and got loads of good stuff More than I would have got from the Next sale...
    I got 2 snuggly cardy's for the new baby, a cream dungaree set, 2 Next sleepsuits, a travel booster seat for DS, 3 maternity tops and a skirt for me, a buggy board for when DS is walking and new baby is in buggy, and a hip seat. All for 30!!

    Then we went to a bbq and had a burger and couple of sausages and I got to catch up with a friend I've not seen in a while.
    DS is having a nap now. I know it's late, but he got up really early, and we keep him up later on the weekend anyway so we can get a lie in.

    Hubby is making curry later too, oh and I've got my PJs on already So all in all a good day today.
    • Flower08
    • By Flower08 18th Jul 09, 6:33 PM
    • 4,749 Posts
    • 38,835 Thanks
    Flower08
    I went to the Nearly New sale, and got loads of good stuff More than I would have got from the Next sale...
    I got 2 snuggly cardy's for the new baby, a cream dungaree set, 2 Next sleepsuits, a travel booster seat for DS, 3 maternity tops and a skirt for me, a buggy board for when DS is walking and new baby is in buggy, and a hip seat. All for 30!!
    Originally posted by LittleBit

    Wow how on earth did you manage that??!! You must be really pleased with your bargains!

    I had a quick look on the website this morning but didnt see anything that took my fancy - couldnt face going into the store as its so manic when the sales on.

    Enjoy a nice relaxing evening!
    Biggest Loser Weight Loss: 13 / 20 lb
  • LittleBit
    Grrrr, we've just been to the supermarket and spent too much! AND we didn't even get any meat! The shop came to 57, although to be fair 10 was on a new iron that we really needed, and then we had to spend 5.50 on chocs for hubby's gran's birthday and 2 birthday cards. Still not impressed though!
    Had to put some diesel in the car too 23. Hopefully it will last until at least next Saturday.
    Oh, and we had KFC for lunch too and spent another tenner.

    All in all a flippin expensive day!
  • LittleBit
    On the plus side though we've decided we're going to decorate the baby's room next. We went to Ikea and have seen a lovely wardrobe, chest of drawers and bookcase. They all come to about 250 though
    I'm going to keep my eye on Ebay to see if anything comes up, and also we will have a look at the Mamas and Papas outlet to see if they have anything discounted.
  • LittleBit
    Just remembered we need to buy a new cot mattress for the cot too when the baby comes. More spending. It never ends!
    • Tixy
    • By Tixy 19th Jul 09, 5:17 PM
    • 31,062 Posts
    • 39,469 Thanks
    Tixy
    Have you considered joining freecycle for some of the baby equipment/furniture? Some really good stuff is given away on there and 250 sounds expensive. You could always paint wooden items to make them feel newer and so they co-ordinate.
    A smile enriches those who receive without making poorer those who give

    or "It costs nowt to be nice"
  • miemie
    Hi
    Just wanted to say good luck and well done with your bargains from the nearly new sale, I also had a look online at the next sale and there was'nt much so decided not to bother, thats a big step for me last summer i spent over 400 in there sale.
  • LittleBit
    Have you considered joining freecycle for some of the baby equipment/furniture? Some really good stuff is given away on there and 250 sounds expensive. You could always paint wooden items to make them feel newer and so they co-ordinate.
    Originally posted by Tixy
    I'm already a member of Freecycle, and have given away, and received loads from there. As we're trying to do our house up though I'd like to get some good quality matching furniture that will hopefully see baby through for a good few years.

    Believe me, most of the stuff in our house is from Freecycle, charity shops and donated from friends and relatives, we would just like to finally start buying some things that actually match and will hopefully last.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,077Posts Today

6,923Users online

Martin's Twitter