Starting again #3 + 2 more mouths to feed

in Debt free diaries
19 replies 8.5K views
kerron7kerron7 Forumite
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Part of the Furniture 100 Posts Combo Breaker
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So here I am again 3rd time round!!

Things have changed a little since my last LBM, I now have another 2 beautiful babies :smiley:oh and I got engaged!

That's makes me a working Mummy of 6 and Fianc!e of 1!

Debt has increased since last time quite a bit, need to sit down and total it up. This includes store cards, a car loan to replace my old car that wasn't worth fixing, a loan to pay off cards which I then spent on again and credit cards :(

Not going to keep beating myself up about the fact I should now be debt free but I really do now need to start making headway in paying it off.

There are so many things i would love to save for and do which I just can't afford whilst I am paying this debt namely getting married, having a family holiday abroad and saving for our own home.

I need to find a bit of time to work out a realistic budget and savings plan. Will try and do this a little later.

But for now ....

Today's to do list:-

Make up lunch and tea from cupboard/freezer
Washing
Drying on line (finish towels in dryer)
Order food shopping for delivery tomorrow
General tidy of house
Go for a walk with the children

For now I think that's all, will be back later to update!!

Need to keep on top of this diary, if only to organise and remind myself!!!
Emergency Fund - £50/£500
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Replies

  • MrsSaveMrsSave Forumite
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    I've found you! Don't lose motivation. It is difficult to start because there seems to be so much to do. Break it all down into bite size pieces. Don't be hard on yourself, you're a mummy to 6 - that's amazing to start with! I get tired with 1, eeeeeek!!

    I'm subscribing!
    Finally debt free (other than the mortgage) - 05/02/18
    Mortgage - July 2022: £105,000. Current: £103,083.75. Overpayments made since July 2022: £326.41
    Emergency Fund: £234/£7,800 - 3% Stocks and Shares - £569.81 LISA - £686.74 (inc bonus)
  • MrsSaveMrsSave Forumite
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    No line dry washing today here. It's pouring down outside!!

    I'm back Monday........though 10 weeks Tuesday I start my maternity leave. :j :j :j
    Finally debt free (other than the mortgage) - 05/02/18
    Mortgage - July 2022: £105,000. Current: £103,083.75. Overpayments made since July 2022: £326.41
    Emergency Fund: £234/£7,800 - 3% Stocks and Shares - £569.81 LISA - £686.74 (inc bonus)
  • enthusiasticsaverenthusiasticsaver Forumite, Ambassador
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    Sounds as if you fairly clued up. Has the debt arisen due to maternity leave or lack of budgeting? Good that a lot seems to be on 0%. Is it worth posting an soa? How much debt do you have?
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected] All views are my own and not the official line of MoneySavingExpert.
    Save £12k in 2023 Challenge #8 £12,000/£5100
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  • Hi, popping in to offer a little pom pom wave! I am a newbie to YNAB and so far really like it - the app means I don't do all those little spends because I don't want to have to confess them to my budget :)
    Happiness is wanting what you have...
    Debt Jan 2017: £2589.22 DFD: [STRIKE]Sept 2022[/STRIKE] April 2022 but this Marching Minimalist can beat that!
    Use it or Loose it gym target: Feb'17 5/6 Mar 4/6 :j
    EF £0/£4200
  • Honeysucklelou2Honeysucklelou2 Forumite
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    Just read your diary through. I empathise with the food budget. I have a large family and do struggle to keep it under £400 a month.
    paydbx2023 #36 £70/£4300 . 2023 savings challenge £10/£2000 EF £204. Savings 2 £000
  • BobarellaBobarella Forumite
    10.8K Posts
    Savvy Shopper! I've been Money Tipped!
    Good luck with your food budget for March.
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • Honeysucklelou2Honeysucklelou2 Forumite
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    I think that school holidays can be more expensive food wise as the children are at home more and mine certainly have a tendency to graze.

    I did find a brilliant veggie burger recipe that was incredibly filling. The children were so full they didn't have space to graze on anything else.

    Looking forward to having an Aldi near us soon.
    paydbx2023 #36 £70/£4300 . 2023 savings challenge £10/£2000 EF £204. Savings 2 £000
  • BobarellaBobarella Forumite
    10.8K Posts
    Savvy Shopper! I've been Money Tipped!
    With the food budget, are you doing all the usual frugal things, batch cooking, meat free days, Ys shopping if you can? You could try posting up all the food you still have in and everyone could suggest low cost meals for you?
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • Honeysucklelou2Honeysucklelou2 Forumite
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    I do have a "something on toast" meal usually on a Friday. Most of the children will opt for beans or eggs, so warming and filling but simple. Find by Friday I'm so tired, I need something simple!

    Do you find there are foods that run out quickly? I find that milk and fruit are the foods that seem to disappear overnight. I have taken to hiding a pack of apples in another cupboard so
    I have always got enough for packed lunch boxes and so that they don't eat everything!
    paydbx2023 #36 £70/£4300 . 2023 savings challenge £10/£2000 EF £204. Savings 2 £000
  • BobarellaBobarella Forumite
    10.8K Posts
    Savvy Shopper! I've been Money Tipped!
    When do you have to pay the balance by?
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
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