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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

  • Bluegreen143
    Bluegreen143 Posts: 3,705 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    @missymoo81 I don’t understand why your ex isn’t paying anything. You said he’s been furloughed so I am assuming he’s on 80% pay. In that case while he maybe can’t afford his usual amount he should be paying something. He should be making cuts to his own lifestyle not just making back the pay cut by not contributing to his kids!
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 6 July 2020 at 2:26PM
    Because he’s a !!!!!! and reasons like this are what led to me not wanting to be married to him anymore. he earns lots of money normally so the cap on earnings On furlough means he only gets paid half of his normal salary. And apparently he can’t live on that. He thinks he shouldn’t have to pay me any money at all as he has them about 1 third of the year but in his head it’s half. He’s massively tight, bitter and a horrible person and there is absolutely no reasoning with him. Just typing this has made me cross! Thanks for your concern BlueGreen.
  • Bluegreen143
    Bluegreen143 Posts: 3,705 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Oh @missymoo81 I’m so sorry. I’m angry for you! I appreciate that 50% salary is tough but equally if he earns that much he’s better off than the majority! Even if he gave a reduced or token amount fair enough but it’s pretty crappy not to give anything. So sorry you have to deal with this and it’s adding to your stress x
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 6 July 2020 at 4:41PM
    Thanks BlueGreen really appreciate your kindness. And thank you for the play dough recipe. With my eBay sales I’m going to get some cream of tartar and gel colours to make some! Have realised my passport has run out! I’m obv not going anywhere right this moment but may try to go to BILs house in France in Aug if we can swing it at all, as it would be super cheap and can’t tell you how much we need a holiday! So need to apply online for that, think it’s £10 cheaper to do it that way too.

    so I need to print some things off for OH, I’ve arranged a work call for tomorrow, haven’t achieved any washing as weather is so changeable! Haven’t been to the PO either but will do that tomorrow. Just sat in the park with the children which is nice. 

    So meal plan:
    chilli
    Sausage and mash
    Pasta bake with chicken
    some sort of curry
    Fajitas

    I’m getting my shopping On Thursday. So will mealplan again then. Want to make Saturday nights date nights, so trying to come up with some fancy nice meal ideas that won’t break the bank, any thoughts would be appreciated. 



  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Up early for the early class, only got 4 hours sleep! Argh so tired! But I will
    push on through. Got work, homeschooling and washing to do and absolutely need to go to the post office today! Will speak later x
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey everyone, 
    Sooo I’m still at work..... been here all day, haven’t managed to get the washing done or the post office. Will def do them tomorrow. Could do with listing some more on eBay too, but not going to stress myself out about it. OH has just taken the children home for dinner and bed.

    Going to be here until about 1am as there’s a guy here painting. Really wish I had my laptop as I’m not really doing anything and could have sat and done my budgets. Wonder if there’s a free app I could download. 

    Have ordered some cream of tartar and some food colouring and some cumin, from eBay. So am v much looking forward to making play dough (and curry, as that’s what the cumin is for, not the play dough!).
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Morning,
    Was at work until midnight when OH came and swapped with me, and he was there until 3.30am! But the painting is done and is amazing. We are consequently absolutely shattered. I’ve got the normal class at 0930, then have another one today at 3 and again at 1830. Sod’s law we have the extra class today, but it’s all extra money. We have an extra one tomorrow too. Still waiting for the Prime Minister to tell us when we can properly open so I can focus on proper dates for business opening.

    Didn’t have dinner last night so will have sausage and mash tonight. Need to go to post office later too, also need to tidy and unload dishwasher etc. Will do all when I get home tonight. Hopefully around 1700.
    we’ll see.
    I’m going to take a leaf out of mumoffourkids Book and block out time to do stuff. So I’m going to block out an hour to try and get the house straight ish shed then in dribs and drabs.

    right must get dressed, speak later x
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Morning, yesterday was super full on and today will be the same. Did have lovely sausage and mash last night and made enough for the children to have it today. 

    Have 4 classes today plus painting and sorting at work in between. Body is pretty tired today but it’s almost the weekend! Where has the sun gone, it’s super cold and miserable here! 

    Have my Tesco order to collect today unfortunately I fell asleep before checking out so haven’t got exactly what I wanted but I’m sure it will be fine. Having to go to Tesco every day to feed the work crew at present. 

    Moneywise, need to look at accounts as although haven’t spent any unnecessary money, need to check everything is where it should be. Although I’m going to get the 2nd lot of self employment help in Aug, that has now been earmarked for OHs insurance. As of course that’s due beginning of Aug. 

    Not really going to stop work until 8.45 today so need to try and fit things in in between. Absolutely must post stuff. Ill
    do that before heading off to Work. Right must get ready speak later.
  • Isitdoable
    Isitdoable Posts: 96 Forumite
    10 Posts Name Dropper
    You sound busy Missy!  Were the government announcements good news for your business today?
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi isitdoable! Yes the announcements really helped, we now have a date to work towards!!!! Lots of work to put in to make it all happen though! 
    Just finished a 12 hour day, am more then a bit tired. 
    Will update tomorrow.
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