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Minicruiser's cruise through life
Minicruiser
Posts: 6 Forumite
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Firstly congratulations on your new addition!
Sounds like you're off to a good start! Maybe a cupboard/fridge inventory would be a good step to stop you buying things you already have? I did a freezer one recently and found I had 34 sausages!!!Debt as at 5 June 2023 - £15,600.89
Current debt - £5,100
Total paid off - £10,500.89 (67% paid off)0 -
I will be interested to see how you manage on your no spending rule. I decided to try to do the same a few weeks ago as I am a terrible spendthrift. Since then I have bought a table and chairs for the kitchen, a table and chairs for the garden and ordered a pair of trousers and a cardigan for me on line. and that's not counting the winter clothes I bought my GGS. At my age I ought to know better ( I'm a GGma) and I really wanted to replenish my savings after I loaned most of it to my DD and DGS. Will I ever change my ways?All that clutter used to be money0
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Welcome to the boards and good luck with becoming more frugal
I used olive oil to massage into my baby's skin. Looking at your SOA you have a big figure in for nursery costs already - why is that? Is that money you could use to pay off your paypal credit instead and get it gone?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/260 -
Hi Mini
congratulations on the baby.
Well done on reaching nearly 3 weeks. that's great work.
i notice you did a SOA for when your DD starts nursery, yet there is only one income in the earnings field...did you bulk these together?
I'm with you on the tea hording- it drives my OH potty the number of different teas we have.
I also second the olive oil recommendation for dry skin, totally natural so no chemicals being absorbed into baby's skin.
Good luck.
SMdebt consolidated 16/8/18 £9,788.01/£12,618.12
(Total debt at LBM 1st Jan '18 c..£19.5k)
EF/FIT savings £97.24 Other Savings £12.17 House Deposit £4,762.64/£20,000 23.8%
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You seem to be quite good at being frugal and have savings. I would ditch the lottery and do premium bonds instead.
Just as a side issue it is a good idea to give your body 2 years to recover after pregnancy even without a cancer scare. I had 18 months between mine and had an ovarian cyst on my second pregnancy which required one of my ovaries to be removed and was told I had not allowed my body to recover between pregnancies which led to the cyst. My niece had the same.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 forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Save £12k in 2026 Challenge £12000/£2000
365 day 1p Challenge 2026 £667.95/£165
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php0
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