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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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  • missymoo81
    missymoo81 Posts: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ok…. Have booked the hotel for my course in 2 weeks. Big frog eaten, don’t know why I was putting it off?! Also moved some money over to premium bonds again. So fingers crossed for the draws. I’m just writing my shopping list for Lidl tomorrow. 

    Meal plan this week:
    Mon burgers and wedges
    Tue Stew
    Wed Stew
    Thur omelette 
  • missymoo81
    missymoo81 Posts: 8,015 Forumite
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    edited 30 August 2021 at 5:30PM
    So I went to lidl, spent £45. OH paid. I got so much! So happy with Lidl, and because it’s a new store they’re doing a free gift every week. So next week it’s kitchen roll. I also got the £10 bonus for spending £200 this month, which is valid for 7 days, so I’m really happy. I’ll get the next shop. I’ve forecast £50-£60 a week to include toiletries and cat food.

    Woke up with a horrid migraine this morning and have been fighting it all day. But after taking some tablets it’s been manageable. So I went shopping, hoovered everywhere, cleaned the downstairs loo and en-suite and washed the floor and sorted the sofa out. Oh and bought in the washing and sorted it, although I do need to put all of mine away. Will maybe put something good on my laptop and try and put everything away whilst watching, any good films I should watch?

    We’re back at work tomorrow, am a little nervous, but I’m not actually working just there, so it’s not as bad. Going to try and do a workout, hopefully I won’t be in so much muscle soreness pain by then 😬

    Already have a £10 bid one of my eBay items which is great. So with that I’m only short of £21 this month. May raid the coffee machine at business for coins and pay them into the bank with the others. 

    Hope you’re all having a lovely weekend x
  • missymoo81
    missymoo81 Posts: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Good morning,

    Well I’ve woken up to rubbish news. One of my customers has cancelled so I’m now £100 down each and every month 🤦🏻‍♀️. Not sure how I’m going to absorb that. I know I had 2 memberships last week but they weren’t monthly ones unfortunately one offs! Ah it’s so frustrating! I’m hoping little business will pick up when the children go back to school. OH said he will advertise for me then too. 

    Need fo sit and have a think and a juggle
    of money. Wish things weren’t so tight.
  • jwil
    jwil Posts: 22,197 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good morning,

    Well I’ve woken up to rubbish news. One of my customers has cancelled so I’m now £100 down each and every month 🤦🏻‍♀️. Not sure how I’m going to absorb that. I know I had 2 memberships last week but they weren’t monthly ones unfortunately one offs! Ah it’s so frustrating! I’m hoping little business will pick up when the children go back to school. OH said he will advertise for me then too. 

    Need fo sit and have a think and a juggle
    of money. Wish things weren’t so tight.
    That's a shame, hope you get some new customers
    "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: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well I’m at work, just done a workout, need to actually work shortly just for an hour, then off to the city to get OHs phone battery sorted. Hoping he might treat me to a cheeky coffee whilst we wait. Trying to get hold of my eating this week as haven’t eaten well the last couple of weeks. I haven’t weighed myself but I’m feeling ‘fluffy’.
  • missymoo81
    missymoo81 Posts: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ahhh lost another customer today! It’s my BF she’s too busy and can’t afford it. I know it’s true, it’s just harsh it’s both in a day. Fortunately I hadn’t put that money into the budget as I thought she was a bit flakey and is usually only £40. OH came up with some good ideas to advertise etc so will look at doing that. 

    We ended up having chicken and pasta for dinner last night and I saved enough for OH to have tonight. I’ll just have a jacket potato I think or a tuna sandwich… oh actually fancy an apple too. 
  • joedenise
    joedenise Posts: 17,834 Forumite
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    How about combining them both and having tuna on a jacket potato?  I love tuna mayo on a jacket!  Makes a change from beans & cheese!

  • missymoo81
    missymoo81 Posts: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Suddenly feeling really down and rubbish. Think it’s a combination of feeing a bit fat and gross, time of the month and having very little money. Grrr hate feeling like this! 
  • Suddenly feeling really down and rubbish. Think it’s a combination of feeing a bit fat and gross, time of the month and having very little money. Grrr hate feeling like this! 

    Hey Missy, 

    You've come this far, you've achieved so much, don't let these set backs dampen your spirit. Chuck on some cheesy tunes and have a dance at home to get those endorphines going. Today wasn't your best but you still doing ok. 
    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £105,729.62 / £122,400.00 Overpayment total: £959.94 (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
  • missymoo81
    missymoo81 Posts: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Thanks @Queen_of_the_Hive it’s just so frustrating. I manage to pick myself up and go through all of the budgets and sort my money and make everything work and then it just falls over. Through no fault of mine. 
    We had such a lovely time away and now I’m home everything just seems as rubbish as always. I want to spend money on clothes and myself and food to make myself look and feel better, but I can’t afford it…. Why is everything so hard sometimes!
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