Lucky thread

[cupcake1981]

Bailey how is your hair?? Can you put a pic on fb??

I bought a car.....feel a bit worried about spending that sort of money when I'm on mat leave but hey its done now. I got a 07 Astra, it's very nice

 

[baileybubs]

Done it for you cupcake lol! It's not exactly what I wanted as it's too long at the back for me but I like it and next time I can get it shorter. I wanted a more dramatic invert lol! But my friends friend only charged us both a tenner and my friend paid so I wasn't gonna complain lol!

Ooooh have you paid for it outright? Or on finance? Aw an Astra will be perfect size for you, what did you have before?

 

[cupcake1981]

It looks lovely, is it all swishy on your neck?

We are putting half on a 0% credit card and borrowing half from my parents until I go back to work. I shouldn't worry as I can cover the whole lot in my savings but it's our house deposit and hate spending my savings when I can't replenish them!

 

[baileybubs]

Oh i know I'm the same, we are borrowing money for df's bike if he gets this job (still not heard!) and we'll have to pay it back with the very little money that we are supposed to be saving for a mortgage deposit! I'm already having to spend what we had saved this month coz my mat pay has stopped......feels like I'm never gonna save up!!
So annoying when we are paying £595 a month rent and my friend just bought her house and pays £320 a month for the mortgage. Catch 22, need to save money for the deposit so it doesn't cost us so much, but can't save up because it costs so much to rent! I keep saying to df I just wish we'd magically get £10k from somewhere and all our problems would be solved lol!! Sigh, but then we are very lucky with what we have now as we never really struggle as such, things are just a little tight right now.

Sorry that was a bit of a tangent wasn't it lol!!

That's good that you can borrow some off your parents, saves on interest from a loan or finance! Did you get a good deal for your old car?

 

[cupcake1981]

No cos hubby is having my car! His car is kinda kaput so whatever we get for that well have towards it.

It's frustrating isn't it. And the situation you are in is the reason we couldn't sell our flat cos there aren't enough first time buyers about!!

 

[MrsDuck]

Bailey your hair is lovely, I'm tempted to get a fringe cut too.
It is tough isn't it saving for a mortgage, shame you haven't got a close family member to be able to get a 100% mortgage with a guarantor. Are there any homebuyer schemes that you qualify for?

Cupcake yay for buying a new car

The property market is definitely picking up, I bet once you go back to work and put yours back on the market you'll get a buyer this time

I've had a lovely time in London today but I'm absolutely knackered. God finding maternity clothes was almost impossible but ended up buying lots of stuff in h&m on regent street, the only place we found any, just when we were about to give up. Nothing down Oxford street seemed to have any

 

[cupcake1981]

Hope so mrs d, I want a garden so much so that Zachy can run about and have a trampoline and stuff!!

Yey for clothes, most if mine came from h&m, they're really good in there altho lots of bits come up small, altho maybe that's cos I was a heffalump!!

 

[baileybubs]

Morning ladies, I had to go to bed just after 9 last night because I felt soooo sick!!

Mrs d we could qualify for this first buy sheme but they work on a priority system and we wouldn't be high priority for it from what I gather (that's the one where you need 5% and the government lend you 20%). There's that new buy scheme too that allows you 5% and the company that built the houses lend you the 15% I think but new buys are usually about £200k so would need more for our 5%. I don't know why I put so much stock in owning our own house though coz I love renting sometimes and this house is lovely but it's for the future.

Cupcake ah yeah I do remember you saying your dh was having it. Is the Astra nice to drive?

Such a pain trying to buy maternity clothes isn't it mrs d? I'm glad you found some!

 

[MrsDuck]

Yeah that will be nice cupcake

I got a few jumper dresses, a couple of tops, more leggings and a couple of work dresses from H&M

It's just you will stop paying your mortgage by the time you are 60 but of course you will be paying rent forever, but the upside is that it costs less to rent something bigger than to try and buy that size of house

Well I'm about to start my Christmas shopping eeek where do I start??

 

[baileybubs]

Do you know what you are getting anyone? I just started with the ones I knew lol

 

[MrsDuck]

Fairly successful morning shopping, I've probably got half of them now yay.

I picked up for me at boots the gel nail set with 2 colours, including the light box, top and base coat, the removal tool and liquid for less than half price I thought it was worth a go

OMG my house looks like a bomb has hit it, hubby started packing while is was away yesterday, god knows where to find stuff now

Has anyone finished their Christmas shopping yet? There are so many of us that get together over Christmas it costs a fortune in presents

 

[baileybubs]

Oh gosh I wouldn't trust my df to pack anything lol, I did it all haha!

I'm pretty sorted for Xmas, got most of Emilia's, goin to get MIL some Limoncello tomorrow and need a next voucher for them, need a Grandad mug to go with my dads cafetiere and coffee. Also need a bottle of wine for BIL. Got the kids gifts, and Morgan spiced for FIL and other BIL, and a hot chocolate set for other SIL. And ordered some lovely hampers from a friend who does them for aunties and SIL. My own brother usually tells us what he wants but I'm considering getting him some imported American foods off eBay coz he loves that kind of stuff, and as for df we are just seeing if we actually have any money spare lol!! There's just my own mum I have no clue what to buy for!!!

Let us know how that gel nail set pans out, might be worth a go!

I'm dreading being bought alcoholic gifts as we haven't told everyone I am pregnant lol!

 

[baileybubs]

Oh and I'm pretty sure I've just found baby on the doppler, sounded like a train as df heard it too and agreed it definately wasn't my heartbeat! I'm not sure 100% if it was but I think so!!! Very excited!

 

[cupcake1981]

Oh yey for hb bailey!!!!

 

[MrsDuck]

Wow you are so organised bailey

Yay for hearing baby's heartbeat

I'm absolutely stuffed, I cooked a roast lamb dinner, now feeling like a beached whale

 

[baileybubs]

I'm only organised coz we are skint so I had to super plan what we could afford lol!

I'm stuffed too mrs d, we went to an Indian buffet for the twins birthday. Was lovely but spices make me feel sick so I had to stick to all the plain stuff!

 

[baileybubs]

Oooh you're a mango!

 

[MrsDuck]

Oh god yeah I could only eat plain food too, I only ate pasta, bread, potatoes etc for 6 weeks

Which Doppler did you end up getting?

 

[baileybubs]

Sorry for late reply my phone had died. I got a sonoline B again. Cost £36 from Hong Kong lol! But works great! Just need to refrain from wanting to use it every day lol!

 

[MrsDuck]

I know, I limited it to twice a week which was sooo hard haha