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That all sounds like a great plan re paying off your debts. Hopefully your pay rise is on the higher side then to help you get these debts cleared sooner. A debt free date of December 2021 would be amazing!
Also get sewing and get that money earned to help towards your emergency fund.4 -
NSD today- stopping at the post office on the way home to pay in the £43 my daughter has saved up for her camera! Bless her little face, I'm so pleased she got there!Bottom line;
£49k paid off
Car HP paid off
Debt Free!
Saved Escape fund and moved out.
Current focus; saving Emergency fund3 -
So the sprog is back to school on Monday- as husband's school is going to wider opening so we needed to grab her a place (and it sort of turned into an all or nothing deal)
They've asked that the kids come in non-uniform for these last 4 weeks before summer so they can have a full new set of clean clothes every day. Got me thinking about uniform for next year as she's shot up since March. I'm going to see if any of the new reception classes' parents want to buy her uniform as fair enough the generic shirts and trousers are cheap but the jumpers are school branded logo ones that cost £30 each plus there is the branded p.e uniform that cost about £20. So i'll see if anyone wants to buy second hand and then I can put that money towards her new uniform for year 1. Hopefully some of the other parents will have the same idea and be selling on their stuff.
Bottom line;
£49k paid off
Car HP paid off
Debt Free!
Saved Escape fund and moved out.
Current focus; saving Emergency fund3 -
Kakiste my goodness you've made huge progress!! Keeping my fingers crossed for your payrise, it will make such a difference whichever grade you are moved to.
I'm a little jealous of your £30 weekly grocery spends I have to admit; when it was just DD and I we usually came in around £25-£30 per week. I knew it wasn't going to last when I first met DH, he'd come round for dinner and eat in one night what could have kept us going for 2-3 days....I still don't know where he puts it all to be honest
MFW
Starting debt :£287,410 -11/2020
2022 Closing balance £271,402.45
2023 closing balance £263140
Original end 11/2045
New end date :.......
Overpayments to date £574.4 (1/26)4 -
Just thought I'd pop on and say hello in your diary as I saw you wrote in mine. Seems we're quite similar! I don't have children but I do sew, and veggie gardening too. What are you growing?
Sewing is a big budget sink of mine, it can be really hard not to spend tonnes on it!
Good luck.4 -
Sewing costs me a fortune. Fabric shopping is a completely separate hobby to actually sewing I have found!2
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Yup! I have fabrics I just own and stroke occasionally.2
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I've cut down on my fabric stocks and have turned all but two bags of it into stuff and sold it on, it was ridiculous at one stage.
At the moment in the garden I've got; peas, beans, tomatoes, strawberries, pumpkin, sweetcorn, raspberries, potatoes, blackcurrants and cucamelon (very excited about this last one, my dad bought me 2 cuttings from a specialist in Devon 3 years ago and after establishing really well they've finally flowered! So I may have some actual fruit off them this year!)Bottom line;
£49k paid off
Car HP paid off
Debt Free!
Saved Escape fund and moved out.
Current focus; saving Emergency fund3 -
Oh love the sound of your garden Kakiste! You’re making me want to get my sewing machine out, Ive never really used one, but I have some material I’d love to make some simple things with.2
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Cushions are always a good starting point- you just need to be able to sew in a straight line!Bottom line;
£49k paid off
Car HP paid off
Debt Free!
Saved Escape fund and moved out.
Current focus; saving Emergency fund2
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