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Old Feb 17th, 2011, 15:51 PM   1
Shabutie
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Change of plan, disappointed but excited.


As it says above. I shall explain.

We are getting married in September this year, and decided we would TTC from our wedding date. However, we are keen to get a mortgage and finally own our own home. (Maybe move to another rented accomodation within the first year of marriage, still not sure on this)

Well OH got a phone call from his appointer (He's in the RFA) saying he is going back March 25th for 4 months, but he has been promoted, and his pay will go up by about 300 a month after tax!

SOOOO, after talking tonight, we have decided that we will move our WTT date exactly a year back. So the new TTC date is September 2012.

We already save 300 a month towards our wedding, but after the wedding this will now go towards a mortgage. So within 3 years we should have saved enough to get us a decent mortgage (Hopefully about 120,000).

Although I am a bit, well very disheartened that we have to wait longer to TTC, the thought of owning our house is wonderful. We can decorate our house how we like, and more importantly, Amara, and any future children we have, will have a stable home. We wont have to re-new contracts every 6months (and pay 60) and hopefully our mortgage payments each month 'should' be less then the rent we pay atm.

The only other downside that is going to have to happen, is I sell my car, as it would be too much to put it back on the road AND save for a mortgage. But it's easier to get a new car, then a mortgage so it kinda outways it.

It will be (from now) another 3 1/2 years of plodding along, but a lifetime in a new home and the first step on the property ladder.

I am excited about it all, just wish money was no object and I could have it all NOW.

So I'll be with you ladies for a little while longer




 
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Old Feb 17th, 2011, 15:59 PM   2
MissKM
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aww hun, im sorry you have to put your TTC date back but on the other hand on your OH promotion!! not worrying about money so much always makes life a little happier
but you seem very positive about it which is good. it sounds like you are both doing the right thing though, you will be in a brilliant position by next year.

and...your new TTC date is pretty similar to what im 'hoping' mine will be, i want to TTC is sept/oct 2012...but i have to get all my goals done by then xx



 
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Old Feb 17th, 2011, 16:10 PM   3
Shabutie
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Thanks you hun

I was SO chuffed he got it. he has been hoping for it about a year ago, so he has proved to them he is good enough, and it's come at the right time, what with LO and all.

I think OH would just love to be able to buy any computer games he wanted, so maybe i'll use that as leverage... 'but when we have a mortgage, you'll be able to get any game you want... within reason'

Oh, I hope you reach your goals then, so we can start TTC at the same time. It is exciting, to think we can save enough for a mortgage, and not waste 600 every month on rent (Although it isn't exactly wasted as we have a 2 bedroom house to show for it, and not a pokey old flat)

Are you on FB by any chance?




 
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Old Feb 17th, 2011, 16:25 PM   4
MissKM
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im so chuffed for you hun...its really nice to hear some good news

my OH obsessed with games as well...its the xbox with him!!

ye i am hun...pm me ur name or email and ill add you if u like xx



 
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Old Feb 17th, 2011, 16:32 PM   5
Shabutie
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Yes, my OH is the x-box AND playstation 3. i have both to contend with. lol. I shall PM you now.




 
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Old Feb 17th, 2011, 16:36 PM   6
MissKM
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lol i wont let him get a ps3 aswell...1 is enough for me to handle

ive added you on FB hun...but i must ask a favour, dont mention me WTT or anything its a massive secret lol xx



 
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Old Feb 17th, 2011, 16:55 PM   7
Shabutie
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My FB must of mucked up as it wasnt showing until i refreshed it.

Oh i wont, as my friends/family dont know anything about it either.




 
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Old Feb 18th, 2011, 08:29 AM   8
pennies
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Hi Shabutie, although it is disappointing that you need to put your dates back it is actually really good news for you in all other aspects.

You sound like you have all your priorities in the right order, and looks like we might have similar TTC dates...although mine aren't definate yet!



 
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Old Feb 18th, 2011, 08:43 AM   9
Shabutie
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Quote:
Originally Posted by pennies View Post
Hi Shabutie, although it is disappointing that you need to put your dates back it is actually really good news for you in all other aspects.

You sound like you have all your priorities in the right order, and looks like we might have similar TTC dates...although mine aren't definate yet!
Hi Pennies,

Yeah I know it is the sensible thing for us to do, but the urge for another baby is very strong. But we would like more stability, and it means that we can enjoy more one on one time with Amara.

I am desparate to decorate a house. We have been moved out for over 2years now, and have had to leave them how they are, so once we manage to buy a house I can decorate until my hearts content, although reading up on mortgages, it all looks very daunting.

Seems like their are quite a few of us with similar dates,




 
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Old Feb 18th, 2011, 08:47 AM   10
pennies
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I think the worst part is that it just seems so far away...

My TTC date all depends on when OH pops the question...as we both want to be married before we try for a baby.



 
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