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Single, six kids and going to be debt free!

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  • charlies_tribe
    charlies_tribe Posts: 1,610 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I'd love a caravan... just to put the kids in 🤣
    LBM in April 17 - Starting card debt £33554
    Mortgage@1 June 18 - £76350
    Total debt @june 18 £102311
    Debt Jan 25 £8282
    Mortgage £51215. Total debt now £59497
  • beanielou
    beanielou Posts: 95,642 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy new caravan  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • The caravan sounds awesome, I can see why you've lost it to the kids for now. Great news on the PIP too, a bit more financial stability is good. 
    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £106,630.42 / £122,400.00 Overpayment total: £904.60 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 28%

    2). #7 Save 1p a day challenge 2025 £280/£780

    3). £2179.85/£3000 in Investment ISA (34/50 investments)

    4). Increase cash savings & saving pots

    5). Keep debt to a minimum.

    Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump
  • charlies_tribe
    charlies_tribe Posts: 1,610 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    The pip is a good award considering its your first application. At least you know you don't have to worry for a couple of years.

    Glad the children are enjoying the caravan,  sounds like a good investment. 
    LBM in April 17 - Starting card debt £33554
    Mortgage@1 June 18 - £76350
    Total debt @june 18 £102311
    Debt Jan 25 £8282
    Mortgage £51215. Total debt now £59497
  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I think you may have to buy another caravan in the near future! :mrgreen: 
    It would make a great playhouse for the kids and let you get on with your sewing in peace in the one that's meant for you. XX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey mumoffourkids, I just thought I’d post, in on page 24 if your diary and having a lovely time reading my way through. As I said on my dairy You really are amazing And an inspiration!! Loving the sound of the new caravan! Wonder if I can get one just go out the kids in 🧐
  • Mumoffourkids
    Mumoffourkids Posts: 1,071 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Thanks Missy. I’m really not sure I am an inspiration but thank you for commenting. My kids do seem rather obsessed with the caravan at the moment. My youngest boy says first thing in the morning, every morning ‘can I go in the caravan?’. It is the same when he gets back from school as well.

    In exciting news, the memory cushion orders have increased again by another six last night. One of the cushions I made, I sent a picture to the mum who ordered it,  she hasn’t even collected it yet but has recommended me to all her friends and I had loads of people contacting me last night about ordering. So looks like I am making cushions for the next few weeks. 

    Yesterday was a good day and I got nearly everything done on my list. I have done a list for today and that includes going for a run with my friend. I am trying to do a bit of each room each day. So I have to move some furniture around and sort out the largest kids room. I also have sewing orders to do, and sorting the garden out and also caravan project. So I am listing one thing from each project on my daily to do list so that each project moves along each day and I don’t get fed up doing just one thing all day. I know it’s probably not the most productive but it seems to work for me. 

    Right best get on and get youngest boy to school so I can get on with my list for today.
  • Mumoffourkids
    Mumoffourkids Posts: 1,071 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    So I have definitely got more done by doing bits on each project. I have managed to get another cushion made today, that is being dropped off tomorrow morning. I have uniforms for another three cushions to do, 10 masks to make and some more normal cushions to make. So tomorrow morning is cutting out masks time, then cut out normal cushions and at the weekend I can start cutting out the memory cushions. I am hoping to make those three by next Tuesday and then I can get paid for them. I had a target of earning £100 from sewing this month and so far I have earnt £115. I should be able to get that to £150 easily and maybe even £200 by the end of the month.

    I think I have done all the furniture moving around that I needed to do, that is until I get my sewing caravan up and running and then I will be moving furniture around in my room. I still have sorting out to do, but I am slowly sorting things out. My massive to do list is going down and I feel like I am getting somewhere. 

    I am slowly funding my wish farm items which is mainly power tools, then I will probably have to add some storage for the garage so I can tidy up my garage. 

    I finally feel like I am slowly getting on top of stuff in this house. My finances are sorted, although the house isn’t currently where I want it to be, it is getting there slowly. I have a happy 10 year old girl, and I hope it remains this way. I think my eldest leaving has removed a lot of the stress in this house. I don’t know if it was just me and her clashing that caused the stress but I definitely feel a lot happier.
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey lovely! Super well done on the money making from sewing! Clever you! I’m so pleased your little girl is happy. Stressed families are never a good thing. You’re doing so well with everything as always x
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