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Conception

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Anyone tried to conceive WHILE saving for house deposit?

3 replies

kylieeee · 29/08/2019 22:18

Hey everyone, I’m sorry for the essay I’m about to fire up, but I need some reassurance and hopefully some advice?!

I’m 24 and lucky enough to be engaged to my best friend, we’ve been together for 6 years and we’re really happy. We live together in an annexe on the side of his parents house at the moment while we save to buy our own home, hopefully early next year. We both work full time and earn fairly good money, we’ve travelled the world together from an African Safari to Jamaica, Mexico, Paris, Dublin, and so many more. We’ve made some amazing memories together during our relationship and we’re very lucky to have done what we have, and work hard for what we have, so feeling really ready to settle down.

From the very beginning of our relationship, dating back to about 18, I have known that my purpose in life is to be a mummy and there’s nobody else I’d want to build a family with than my partner. Its always been in the back of my mind, but over the last couple of years I have gone baby MAD. I honestly think about having a baby day in, day out and nothing else. I don’t help myself because I watch back to back one born, teen mum uk etc haha, guilty pleasures! But it makes me feel like I’m missing out and I generally feel quite sad about it. Don’t quote me when it does happen, but I’m even excited to be in labour myself to feel what it’s like and experience my new born baby being put on my chest for the first time. I just can’t think of anything more fulfilling in life.

After several conversations with my other half over the past year or so, we finally decided this evening that we are going to try from October. You can imagine my beaming smile! Grin this gives us plenty more time to save, and at the moment we have around £17k saved up, which will be built on while we try to conceive (who knows how long it'll take!) and I'll still be working through my 9 month pregnancy.

Does anyone have any experience of saving whilst trying to conceive? It's a little bit scary not having our own place but we'll definitely be there by early next year and ready to move so long as we can find somewhere.

Basically, someone just tell me it's a good idea! Grin

OP posts:
Banoffeepie91 · 30/08/2019 06:06

The only thing I’d look into is if you’re planning to get a mortgage to buy a house will this be possible if you’re on maternity leave and essentially not earning as much (may be different for you if your works maternity pay is good)? We’re in a similar situation at the moment and want to move but have this in mind as well. I’m just looking into how it would work, if anyone else has any experience of this it would be really useful.
We’re a bit different in that we already have my house, would just like to buy a bigger house together so if it’s not possible if we do conceive then we’ll just delay moving for a year or so. Would this be an option for you?

Pineapples1980 · 30/08/2019 06:17

We’ve done exactly this. Been ttc for 18 months and still not pregnant so have managed to save loads more than we’d anticipated. You might get lucky and get pregnant early but if you don’t then at least you have something else to focus on. I’d personally not wait about.

Hayley94 · 30/08/2019 09:18

Also, having children will reduce your mortgage entitlement. Just bear that in mind for what type of house use are after x

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