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“Rock bottom became the solid foundation on which I rebuilt my life.”

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  • milann
    milann Posts: 11,426 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Sounds like you’re having a lovely time atm - long may it last :beer:
    January spends - £587.58
  • jwil
    jwil Posts: 22,116 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad all is well :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Great to hear you are all doing well, even if you are super busy. I'm sure you'll get Christmas sorted, there's still plenty of time to think about it. Have a lovely week. xx
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thank you :)

    It's been a long time since updating the financial side of things.

    I've been debt free a few months now. It's made a huge difference. The budget is still tight. We are averaging £25 a week on groceries. The bills have all been being paid on time. It's been a lot less stressful. I've obviously still needed to plan everything to keep it all on track but it's all going okay.

    The changes happening now mean there will be some bits need catching up and I'll be temporarily back in some debt. But in for the long game it's worth it. Will do a more detailed budget in a separate post. But I felt the need to post something mse related.

    The smalls are the happiest they've been ever. In fact we all are. They have some fun school trips coming up and quite a few other events on at school. This is probably the busiest time of year for schools but it's all fun :D

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Great to read you're all happy and everything is under control. £25 a week for groceries is tight but thankfully you seem to be past the days of having to manage on just a few £'s :(

    Glad the smalls are all enjoying school and are settled as I know that's given you some problems in the past. Happy children = Happy Mum :D

    It's all sounding good. Long may it continue. xx
  • I'm glad you all enjoyed the holiday and are still feeling happy and settled :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • milann
    milann Posts: 11,426 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    It’s lovely to hear you are all feeling happy and relaxed :beer::D
    January spends - £587.58
  • jwil
    jwil Posts: 22,116 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So good to hear :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Hello W

    It is so nice to see things are going well for you xxx
    Have adventures. laugh a lot and always be kind.
  • Ditto! �� How long it has taken to get to this point... X
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
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