Dear, beloved friends, you have been so patient with me, while so much has happened here...

This month we bought a house! As I moaned earlier, this is a long process, where decisions must be made quickly, but the time between decisions is fraught with worry. That is all over now, and we are heading towards settlement, trying to choose carpet and paint colours for a home we have seen twice.

It's great though, a big step towards our other goal, of owning our own business. Brilliant.

Meanwhile, it has come to pass that we are also expecting our second baby! Very exciting. It explains why I found decision making so difficult the past few weeks and why I've been feeling nauseous every afternoon at 4pm. So onward and upward to November. We'll be well settled in our new home, freshly painted and carpeted, summer seedlings established by the time the new little one is here. Although saying that now makes me feel exhausted. So much to do!

Our savings plan is under heavy, heavy scrutiny, since we will shortly be back to one income.
Also, owning a house has brought along a new world of expenses to consider, and it seems that everyone wants money from us. My biggest bugbear at present is insurance. They prey on your worst nightmares and then find a way to really hurt you. Get this- one policy will pay you an amount if you get a serious illness, but this payment renders your life insurance void. So if (ahem, when) you die, your family will not be entitled to a lump sum payment, since you already received one while you were alive. But, there is a buy-back option, where you can opt to buy back your 'death' insurance, in the event of having cashed-out on the serious illness policy. Thoughtful, no? It's a really ugly business. I have encountered a lot of sheepish looking sales people, peeping guiltily out from under dropped eyes. They know it's bad too!

We are doing our utmost to avoid and minimise new expenses, without being foolish, but there's not much room to move now. Our repayments are managable, just, and we need to use this time with two incomes and no mortgage to get a bit of cash stashed for later. It's tricky, because I find myself tempted into spending by thinking 'Oh, soon we won't be able to do this at all..'. Self sabotaging must end.

Now that my energy is level and my stomach sits steadily, my savings enthusiasm has returned also. I am very aware that this will only be for the next three months, and I'll be making the most of that too. The investigating I have to do over the next months (I hope) will be useful for everyone. Now that we're moving with reasonable notice, I can properly check out telephone, gas, electricity and internet providers and set us up with a good deal. Movers, decorators, conveyancers, insurers will all be needed and utilised with minimum expense to us. I hope!