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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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  • jwil
    jwil Posts: 22,051 Forumite
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    Happy birthday to OH!  Hope you have a lovely time camping.

    I always use my birthday to get stuff I like but haven't got the budget for too, so i don't think you're weird for asking for fabric conditioner.  If it makes you happy then it's a great gift!

    On the Lloyds app, I can just click on the 3 dots next to the account name and the option to rename is there.  It's not there for the current account though, just the savings ones.
    "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: 8,006 Forumite
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    jwil said:
    Happy birthday to OH!  Hope you have a lovely time camping.

    I always use my birthday to get stuff I like but haven't got the budget for too, so i don't think you're weird for asking for fabric conditioner.  If it makes you happy then it's a great gift!

    On the Lloyds app, I can just click on the 3 dots next to the account name and the option to rename is there.  It's not there for the current account though, just the savings ones.
    Thanks JWil, it’s the current account I was trying to do it for! Nevermind I’ll figure something out!
  • @missymoo81 happy birthday in advance and happy belated birthday to your partner for this week too and of course congrats on the anniversary too. Wales sounds lovely - used to go to Wales on holiday with the grandparents when we were kids, lots of fun. Not tried camping in Wales though. Good finds with the kids coats on ebay. Luckily this year the kids can get away with their coats from last year. Cheers for the heads up on the lidl app. Will take a look as wasn't aware of this but regularly shop there. For my birthday I like fruity and herbal tea bags so your defo not on your own with the everyday things for your birthday. Stationary is a firm favourite too. 
    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
  • jwil
    jwil Posts: 22,051 Forumite
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    Glad you had a good time away :)
    "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
  • Cheery_Daff
    Cheery_Daff Posts: 17,236 Forumite
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    Glad you had a good time away 😊 and excellent work on the shopping planning - good idea with the yogurts! Some of these things are so expensive aren't they??
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
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    Ah  @clarissa62 I’ve just checked the lidl app and The lidl voucher needs to used by Sunday. Which Is tricky as we don’t get home until late tomorrow and it means I’d have to go shopping on Sunday. I wasn’t intending to go until Tuesday. Don’t think I’m going to be able to use it. But instead I have £5.94 on Prolific I can use instead, so I’ll cash that out shortly. 

    Thanks @jwil I’ve just realised I haven’t caught up with your diary in the longest time. I’m going to pop over and have a good old read in a bit 😁.

    Thanks @Cheery_Daff , Yep super expensive! Although I could do with the pots from the yoghurts fo help OH feel like he’s getting the real deal. Hmmmm I think I have vouchers for 2 free ones in my bag at home. Will check and I’ll save those pots!

    Made the mistake of washing both dressing gowns and blanket etc. But I didn’t get them out of the machine quick enough and now they smell like wet dog. Never mind. I’ll rewash and hang outside when we’re home. Just sat outside having a nice my cup of tea in the sunshine. I will miss this view. That’s for sure!

    Oh just did another quick survey so that’s 28p I can take out. Just realised I think I’m out of Shampoo too. So another thing to add to the list!!
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
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    Just thinking aloud.
    Things to do when I get home:

    Take pictures and eBay stuff - Sunday
    Go shopping - Tuesday
    Pick up uniform - Tuesday
    Send back books and leggings - Tuesday
    Put all washing away! - Sunday
    Prep for week ahead - Sunday/Monday
    Sort out Birthday - Saturday
    Sort our fun things to do with smalls - Monday
    Research / order presents for Roo - Sunday ongoing.

    List to be added to......

    ah have just realised I haven’t taken into account Saturday. Sunday or Mondays dinners! And haven’t got the budget.....

    Ok will be back shortly with thoughts on that! 



  • missymoo81
    missymoo81 Posts: 8,006 Forumite
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    edited 28 August 2020 at 10:28AM
    Make bread, have enough sandwich fillings etc. And enough oats for porridge etc.

    soooo dinners.......


    Saturday - burgers and sweet potato 
    Sunday - Fish pie
    Monday - Pizza and wedges

    Ok have stolen some of these off original meal plan so need to rejig.

    Meal plan now reads:

    From Tuesday onwards (10 meals in no particular order)

    Stew x 2

    Chilli and Rice / burritos x 2

    Chicken risotto x 2

    Carbonara 

    Enchiladas

    Tuna casserole  

    Jackets and beans

    Possibly sausage hot pot thing if needed, possibly curry if needed.

    Just realised children’s treat drawer is near empty, so need to fill that!!!! Ok..... need to do some more surveys I think!
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
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    Ok question for all you lovely people. I’ve got a treat basket in the kitchen, which contains things like lollies and tiny bags of haribo and moam etc. I’ve just looked on Tesco and they are horrendously expensive. Does the £1 shop or lidl do better value alternatives? I’m wondering whether to buy big bags of similar but loose and actually make up little mix bags of my own. But just looked at bags on eBay and they’re £2.99 for 100, so an expense and I don’t quite need that many. Hmmm will think some more but any suggestions are welcome. 
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