Just a quick update re the pension....
I'm almost certainly going to come out of the scheme April 2013, so that I will have added a full year at full time hours.
I know that I'm very lucky as I have a husband who will leave with a full pension. However we just don't see how the point of paying nearly £1k into pensions a month that we potentially won't be able to claim for many years all the while owing hundreds of thousands of pounds to our mortgage company : - (
We've crunched the numbers and the £ 40 k I would have paid to the pension over the next 10 years will be paid off our £180 k mortgage.
That's potentially £87 k off our mortgage from the pension alone however I won't be stopping there! I'm snowballing like a crazy woman and if I pay an extra £1k off our mortgage then should be clear in 10 years, perfect timing for my career in fostering. Yay!
I'll soon be getting a "Mortgage Free" progress bar on my blog and joining the other mortgage free wannabees : - )
Thanks for your comments : - )