We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Missy’s family of 4, paying off debts, saving for a house and just trying to survive!
Comments
-
Ah lockdown schools shut. Trying to sort my life out right now! Big hugs to those that need them!1
-
Hope you manage to sort everything okay missy. Mine are all older and I'm not currently working. It's very short notice for everyone (although we knew it was coming) will be a lot of people not able to go to work tomorrow xLBM in April 17 - Starting card debt £33554
Mortgage@1 June 18 - £76350
Total debt @june 18 £102311
Debt Jan 25 £8282
Mortgage £51215. Total debt now £594971 -
Happy new year Missy although this seems a lifetime ago! How the world changes in 4 days.
Hope this is doable for you. I have two primary aged kids and start a new job next week which is crap timing but there is no choice but to go with the flow.2025 financial goals & challenges!
1). Mortgage (started Jan 2024) £107,079.62 / £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 £280/£780
3). £2196.23/£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 Gump1 -
Hey lovelies, Happy New Year, it really does seem like forever ago though doesn’t it!I had a proper meltdown yesterday and to be honest the day before. The one the day before was at OH and all the things that I’d been bottling up just came out. And we’ve cleared the air a lot. And yesterday was just purely being so completely overwhelmed with the new Lock Down situation. It’s the schools shutting which has done it. Of course it needed to be done. But the work the school is expecting us to do this time is crazy! And they’ve said it HAS to be done! I’m still trying to claw together work but lots of people have cancelled.Spent yesterday sorting out the children’s bedroom. I put together a new shelf unit and their room looks a million times better, I sorted everything too with the help of the children and Alexa so that’s all good too. I’ve now got messy other rooms where I’ve moved stuff around, so need to spend a lot of time sorting those. Got to go and train later and I really have lost my mojo for it. Would rather be at home sorting. But we’ll see how it goes.I’ve already fallen at the first hurdle with shopping as I went out and bought sausages and potatoes last night. I really fancied them. And I was feeling so rubbish I went and got them. So I’m going to have to be even better with my next big shop.I have so much to do today
I’ve already taught a class but I still need to:
do washing
Put children’s washing away
sort airing cupboard
put stuff in truck ready for recycling
make chilli
do litter tray
poss make stew
train 😢
put clothes away in spare room
put stuff in loft
pick up some bits in play room
think that’s it for now.2 -
Have also just realised I don’t have enough to pay the rent or bills at the moment as have £200 odd in my account. Will have to borrow it from the house deposit money, which is about £1k down from last month already. Really hoping the government help comes in soon else they’ll be no chance of buying a house any time this year 😢.1
-
Ok have done pretty much nothing from my list. Am now sat on the sofa in my pjs watching tv and drinking tea. I trained and sorted the litter tray but that’s it. Ah just remembered I did do most of my tax return though which is good. I’m not feeling great I have a sinus infection and am a bit run down. Got to coach, train,
program, coach some more and home school tomorrow along with doing all the jobs I haven’t done today, and finish my tax return 😢.I just don’t feel like doing anything! Which is very unlike me, I don’t even want to cook. I need to get this under control as im just eating crap all day!! Will try and start my day off right tomorrow and see if that makes a difference. Hope you’re all ok.3 -
Hope you feel better soon x1
-
Thanks WelshKitty.
Argh I didn’t sleep last night, I woke up every half an hour!Don’t know how I’m going to get through the day. Have a whole day of home schooling and working late tonight. Really need to get stuff done!
But I’m going to be positive
Lots of coffee. I’ve got this!!!!3 -
Hope today is OK. Not sleeping is the worst.Bottom line;
£49k paid off
Car HP paid off
Debt Free!
Saved Escape fund and moved out.
Current focus; saving Emergency fund1 -
Ok so far have done all of home schooling apart from PE which we’ll do a bit later and Roo has a zoom meeting. I’ve done washing and sorted the other load and hung the wet stuff up. Made lunch.
i have a problem, I have lots of old children’s clothes and books and old toys that I’d usually give to the charity shops but they’re all shut. What can I do with it now?!
3
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.4K Banking & Borrowing
- 253.3K Reduce Debt & Boost Income
- 453.8K Spending & Discounts
- 244.4K Work, Benefits & Business
- 599.6K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards