TTC after a miscarriage. Good Swimmers & Sticky Baby Dust a Must!!!!

nope, no af and any idea of it turning up has gone aswell. (had af signs yesterday but gone now)

I dont know if I should do a pg test cos we've been bding like crazy (got my sex-drive back after coming off the pill )

MW any sign of your af yet? i wont leave, i will be here at least until the baby (if there is one) is born lol

HC - If we can do that thats what I'm gonna do. Hopefully we can save up for 5 years whilst paying the interest, then when the after the intro period I'm hoping we can give them a lump sum and ask them to make it to a repayment. So it knocks the capital down and hopefully we've knocked a lot off already. I just hope that works! will ask I think.

Carly & CH - I hope you get your BFP's, But dont you dare go anywhere. LOL. at least keep checking in on me.

I'm gonna be left on my own here this month I think, going on everyones signs! but i'm so happy for you all.

dont worry HC im supposed to be working on my coursework!! but the children are quiet (god bless mr cbeebies!) so i thought buggar it the coursework can wait this is much more important lol

CH when are you testing? it has been so great to have this chat this morning was feeling like i was going crazy (checking and re checking the test ) its nice to talk to other fellow nutters (meant in an affectionate way )

I'm meant to be going and doing some housework and I'm still on here. Has your post come yet maddyd?

carly82-I'm staying put for awhile yet.

Your welcome to stay Carly. If, and thats a big IF, i get my bfp, i won't be going anywhere! You'll be stuck with me!! hehe!!

mumswish-Northern Rock are a fine lender so you will do right by them. The thing that bothers me is that you would like to save up your capital but you would need to save £238 a month for 35 years as well as paying the interest-would it not work out cheaper to pay one repayment to the mortgage? If your mortgage is flexible you can also increase your monthly payments in the future which will drastically reduce the term of your mortgage and you can also pay lump sum payments off it.

xxx

youre not getting rid of me that easily even if its a def bfp i will just hang on here as long as poss (if thats ok )

oh its great! I cant wait till you get your 10ui's to check properly then everyone can give you a proper thumbs up!!

HC i would love to join you on the july thread i will be keeping everything crossed xx

MUMSWISH - i have a repayment only mortgage, so i dont know much about endowment policies but i know there not a good idea, i agree with HC you should go and see someone then they could go through all your possible options

well, I did it through a legit lender. Northern Rock. But because our incomes are so low £22k a yr between us, they've had to stipulate that we have a 5yr interest one. Plus we were hoping to get a 100% mortgage (which they've given) I get that the 5yrs will be wasted money but thats the only way they'll give it us. Thats why I was hoping we could do an investment and then just give them the 100K in a lump sum. If we cant do that tho, maybe we should either do the interest 1 for 5 yrs THEN pay it back (we were gonna do a 35 yr morgage anyway) or see if we can get one of these shared ownership houses or council house? (with right to buy later)

carly82-does sound like you are PG. But, test in the morning with a 10iul and then you can join me on the July thread as I am still all alone on there .

xxx

HC thanks for your advice, i just put it on my windowsill (which is white by the way) sat down and looked at it and without moving it this way and that way i can still see the line and it def isnt colourless there is a little pink there will still do a 10 miu tomorrow if they turn up, im now off to go and tie my hands to the chair so i cant do any more tests lol

mumswish-not good to just keep paying the interest as you will be still trying to repay your capital when you are a 100 years old. Bad, bad advice. Usually, the interest only payments are for 3 years so 5 years is a very long time. If you look at it another way you are paying money away for nothing as it isn't going towards your mortgage.

Stern voice-have you spoken to a dodgy dealer??? Never do a mortgage over the phone, you need to go in and look the adviser in the eye to make sure you are not being conned!

Hmmm-lecture over. Only you two can decide but beware!

xxx

the test says to read the results in ten mins then discard, the line was just visible after about five mins. i went on ebay yesterday and got some 10miu so they should be here tomorrow and i will do that first thing. the stupid thing is im almost allowing myself to get a little excited and the way i look at it is if it is bfn, number one i still could be testing to early, and number two more bding (practice of course Good luck with the testing you proffesional you xx

maddyd-what time does your post come as I will know when to log on again? Good luck to you as well hun. ((xx))

sheesh HC - That complicated.

I understand why I cant find endowments now. As far as I know (from the way the guy on the phone explained it) this stays as a interest only mortgage unless we ask for it to be changed. I was thinking we could keep the mortgage the same and get something with it. A high interest ISA or something. Would the mortgage lender approve of that. Or should we after the 5 years insist that they let us pay capital as well now?

Diddle-good luck with your scan. I have made an appointment with the midwife for the 3rd Nov-I will be just under 6 weeks so if I am still PG then I will ask about early scans. ((xx))

carly82-which brand are you using. You need to use 1st morning wee but does sound good. www.peeonastick.com does say that if you can't see the line without holding it up and scrutinising it (like I do) then it might be an evap line. You have to lay it down-stand abit away then glance at it. Then see if you can see it. Good luck again! ((xx))

Morning HellKat, Coathanger and everyone else-nice and sunny here today thank goodness.

Back soon.

xxx