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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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  • The baking sounds lovely @missymoo81 and a good use of the easter eggs. We have a crazy amount of chocolate from easter too as my OH works in a department store and brought loads home as it was going out of date. No wonder the scales are not in my favour  :#

    Enjoy the wine and I hope things start to improve for you and OH. I am finding I feel quite up and down with my own worries about work and stuff but trying to remain positive for everyone but it is exhausting at times. 
    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £106,630.42 / £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 £280/£780

    3). £2179.85/£3000 in Investment ISA (34/50 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: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Yes well Suzanne, there may well be another glass had later, in fact I can bet my life on the fact there will be. But I think I’ll wait until Mays in bed!

    And thanks Clarissa, having people understand and empathise just really helps me feel less alone.

    Can’t be bothered to do anything now. Might feed The children and put a film on with some popcorn. 
  • MagicCat
    MagicCat Posts: 390 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Sorry to hear things have been so stressful worldwide @missymoo81, I was hoping things would be looking up now you're able to open.

    Good work on the baking - and for having left over Easter eggs! We had none left, even with neither of my kids eating them - no wonder I have not been doing so well with my weight  :#
    Mortgage December 2023: TBC

    Credit card debt (extension cost) Dec 2023: £9786

    Fashion on the Ration 2024: 0/66 coupons

    He said not 'Thou shalt not be tempested, thou shalt not be travailed, thou shalt not be dis-eased'; but he said, 'Thou shalt not be overcome.' Julian of Norwich
  • RobM99
    RobM99 Posts: 2,713 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Hi missymoo, read about the coconut oil incident  :D
    Now a gainfully employed bassist again - WooHoo!
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
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    RobM99 said:
    Hi missymoo, read about the coconut oil incident  :D
    Thanks for reminding me! OH still hasn’t seen the wall!
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ok, actually got a bit of a lay in this morning. OH is still in this majorly grumpy mood. We’re going to the beach later which will be lovely. Not sure if OH is going to come or not. We’ll get some lunch when we’re there as it’s all part of the treat. 

    Have moved few bits of money around but need to see what’s what as it’s all got a little confusing with money going in and out. 

    Not sure what we’re eating for dinner for anything like that. Should really think about it as only meat we have is in the freezer..... quite fancy bolognese actually..... will have a look if I have the ingredients. Didn’t hVe risotto yesterday as was just too tired to cook so ended up with beans on toast. 
  • RobM99
    RobM99 Posts: 2,713 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Mmm...spaghetti! I make my own sea-food-y sauce. It's just half'n'half tomato ketchup and mayonnaise. with a tad of Tabasco and a drop of lemon juice.  Mix well - done!
    Now a gainfully employed bassist again - WooHoo!
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    OH is still in this huge negative mindset. We went to the beach and he didn’t speak the whole time he just put his fingers in his ears and laid down as the children were screaming with laughter. I honestly think he has Bi Polar. I’m sat in the spare room whilst the children have a bath, they loved the beach, I did too. 

    Really can’t be bothered to make dinner again, children have asked for plain pasta 🤷🏻‍♀️. 


  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
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    I’m glad OH didn’t spoil the beach, it probably annoyed him that he didn’t! 
    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

  • missymoo81
    missymoo81 Posts: 8,006 Forumite
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    Hey everyone.
    How are you all? 
    Monday again, I don’t know where the days go! Work again today, spaghetti Bol for dinner.

    Need to get some more cat food today but that will come off OH’s card. 

    Need to have a meeting about starting business, should mean I can start a month earlier than planned. So I should hopefully be £200 or so better off, this is all going to have to go into the emergency fund if I end up paying out £500+ to get mine and OH’s businesses up and running. But I could sell the equipment after, in a few months hopefully. 

    Feeling very bleugh today, and going to be stuck at work for about 11 hours again, children in tow too. Not much I can do about it though.
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