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Missy’s family of 4, paying off debts, saving for a house and just trying to survive!

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Comments

  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,815 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Great news about the mortgage 🙂.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    Sitting in a hot tub in the rain is awesome. My sister and dad paid for us all to go away on holiday together for my 30th and I ended up sitting with my sister in the hot tub in a downpour and it was brilliant. 

    Such good news about the mortgage- Congratulations!
    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • missymoo81
    missymoo81 Posts: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Up super early for work, haven’t done a class from home this early in a long time. I’m not going to lie, getting out of bed was a struggle! Currently drinking tea sitting with the patio door open breathing in the fresh air. It’s going to be another hot one. Am going to see OH at work for most of the morning. Then home for a couple of hours before the school run. Just time for a quick sun bathe and lunch in the garden I’d imagine 😁.
  • WinterWarrior
    WinterWarrior Posts: 6,112 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    You have been so busy! The house must be gleaming….no one cleans behind fridges and washers , etc. We just look really embarrassed if they break and get pulled out 🤣
    I used to love a bag of hand me down clothes when I was little, it was so exciting getting lots of new clothes all at once.  The only other new clothes we got in a bunch was the uniform every year and if you broke it you made do until the next year. I remember choosing a winter coat for fashion reasons one year and discovering the wind blew straight through it..that was a very cold winter 😖
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Exciting times Missy, good luck on house purchase! 

    Sounds like you've given yourself a bit of a project sorting out the house - it never ends does it! 

    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £105,729.62 / £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 £360/£780

    3). £2209.52/£3000 in Investment ISA (35/50 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
  • Baileys_Babe
    Baileys_Babe Posts: 6,269 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    My dd loves it when we get a bag of hand me downs. All those new clothes. When she was younger she received preloved clothes from 3 different families so she had a good selection to choose from and to make each outfit her own.
    Once she has outgrown the clothes we pass them to her cousins, saving us a fortune and the clothes from landfill.
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • missymoo81
    missymoo81 Posts: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Loving the second hand clothes stories, I’m so grateful for the hand me downs, We don’t get any for Roo unfortunately, I need to top his winter clothes up. I think we can manage for the summer. I’m going to cut 2 more pairs of his jeans into shorts. 
    Well I’ve got an hour before I need to go to work, I’ve just hung the washing up, now to sort the under bed area of the children’s bedroom! 
  • dawnybabes
    dawnybabes Posts: 3,417 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    You can buy bundles of kids of kids clothes quite cheap on eBay, I didn’t have anyone to hand my DS clothes to so used to sell as a bundle on there, much less hassle than listing / posting individually. 
    Sealed pot challenge 822

    Jan - £176.66 :j
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