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Cutting back for a new, thrifty and simple life

Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

Debt (CC): £1,975
Mortgage: £128,367

Help to Save: £4,600
Emergency Fund: £241
Pots (gifts/holidays/repairs & maintenance): £454.46

Total joint pension savings: £50,003
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