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Family of 4, paying back £50k in 4 years whilst trying to live eco friendly

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  • jwil
    jwil Posts: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you manage to get some rest x
    "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
  • PurpleFairy26
    PurpleFairy26 Posts: 3,903 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Hope you’re ok. If there is so much going on, just try and focus on 3 things at a time might help rather than trying to have a massive list. 
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
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    Thank you all so much. Really helps having your support. Not quite sure why I’m flailing around so much at the moment. I think it’s because I’ve thrown an extra activity in the mix (swimming for the children) which has coincided with the children’s dad going away. So I’m back to having them full time for 5 weeks (which I love) but it’s more than hectic trying to train 4-5 times a week, run a business and be my version of super mum! 

    Going to spend some time trying to get my head organised tonight and see if next week will be better.
  • Suffolk_lass
    Suffolk_lass Posts: 10,310 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You are a bit quiet - hope you are doing OK x
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • Suffolk_lass
    Suffolk_lass Posts: 10,310 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Re your homeschooling, I reproduced this on someone's diary on Friday as they were finding it stressful too - 

    "I read a long post by a head teacher of a primary school last night (on my (ex-teacher) DH's FB feed, he had shared it) - the man said you can't do everything. This is not homeschooling, it is a suspension of school. The work set is all stuff they have already covered so a form of revision. Teachers were also in a panic when setting the work so many threw the kitchen sink at it and shared all the work prep they had done all year.  He stressed this is not important. The key things to do a bit of are:
    • Some reading
    • Some creative stuff,
    • Maybe get them to write a diary
    • If you have time do a bit of cooking with them and get them to weigh everything and work it all out 
    • And give them plenty of downtime.
    He also said you cannot possibly work from home at the same time as directly teaching or supervising your children so forget multi-tasking and just spend small amounts of quality time with them."
    I hope you find this reassuring  - you are doing everything you can
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Thanks Suffolk. I’m trying to do at least something every day. They’re v good at watching children’s educational programmes on TV too.

    Eating from the cupboards and fridge is weird, I didn’t realise how much we ate out! It’s hard because I don’t always have the time to make things and often can’t be bothered but have to. So today we’ve had toast and hot cross buns, yogurts hm cakes and fruit. Thinking of making lasagne for dinner but need to get the mince out of the freezer and I can’t really be bothered to do anything right now. Might do sausage and mash..... hope everyone is ok. 
  • jwil
    jwil Posts: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've found that going later in the day to the supermarket helps.  It seems to be busiest in the morning.  It's still hard to get some things but much better than it was.
    "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
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey everyone I hope you’re all ok? I’ve been working and just living each day as it comes. I’m spending an absolute fortune on food at the moment as the supermarket doesn’t have the normal things I buy. I’m trying my best but it’s all I can do. So I am looking to the future for when things normalise and I can shop normally in Tesco rather than going to the COOP! So I am writing a list of meals and ingredients and costs of things that are out of stock which I am assuming will come back into stock when this is all over and trying to stick to a budget. I’m not sure what it will be yet but I’m trying to make it as small as possible!!!!
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ok......
    so I haven’t done a full menu yet or a full list but I put a sample day of what I could eat cheaply, ie: porridge and tinned peaches for breakfast, sandwich or pasta for lunch etc..... into my fitness pal, and I’ve easily met all of my macros...... including my daily amount of protein!!!! I just assumed I’d be well under! But it’s all good! Going to play around with lunches and dinners and breakfast will pretty much be porridge. I’ll share as soon as I can work it all out x
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