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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: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ok have been to work, am home, have printed out the children’s school work but yet to make them do it. I’m having some toast and the children have their lunch. Managed to sell the shelf unit so that’s another £10 and if someone picks up the book then that will be another £3. 
    I’m sat with the children watching ugly Dolls not sure school work will get done today... I have not been to Costa so am happy, and I shouldn’t need to spend any money today. On the hair front, my hair is actually really lovely and soft after the coconut oil incident. Might think about doing it once a week but with a thicker oil and a curly girl approved shampoo. Really don’t want to keep spending money on my hair but it used to be so lovely and now it really isn’t.

  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ok, have done some school work, we did french and maths. Roo is now on his zoom meeting and May is watching blue Peter. I’m laying on my bed upstairs because I’m lazy! Lots of stuff going on at work because of the protests etc. So going to be a long night discussing things with OH as to the way forwards. I’m really hungry but no idea what to eat. Probably cereal, but should really not be lazy and make some porridge or something. 
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Yep I was right, since 6pm me and OH have been having v heated discussions about work and the business and what to do next. Literally everything is on the line and we don’t know what to do next, it’s going to be a long night. Not great when I’m tired and May has a tummy ache and will probably be up all night.
    Dinner was spaghetti bolognese with enough left over for tomorrow. I bulked it out with lentils and oats, the consistency wasn’t great but OH didn’t say anything. I sold Roos bike, so that’s another £45. So at the moment I have £55 contingency money. Didn’t get any clothes sorted, need to do that tomorrow but did unload the dishwasher and wash the floor. OH has sorted for us to have tomorrow off so that we can sort out the business, if at all possible. Tiny bit excited about having my Gousto box come tomorrow! Exciting times! What a sad life I do lead 🙄.
  • Aspiration
    Aspiration Posts: 532 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Yep I was right, since 6pm me and OH have been having v heated discussions about work and the business and what to do next. Literally everything is on the line and we don’t know what to do next, it’s going to be a long night. Not great when I’m tired and May has a tummy ache and will probably be up all night.
    Dinner was spaghetti bolognese with enough left over for tomorrow. I bulked it out with lentils and oats, the consistency wasn’t great but OH didn’t say anything. I sold Roos bike, so that’s another £45. So at the moment I have £55 contingency money. Didn’t get any clothes sorted, need to do that tomorrow but did unload the dishwasher and wash the floor. OH has sorted for us to have tomorrow off so that we can sort out the business, if at all possible. Tiny bit excited about having my Gousto box come tomorrow! Exciting times! What a sad life I do lead 🙄.
    Hope the conversations go well and there’s a way forward for you the business.

    Aspiration
    April 2020 - £102,222 Loans/CC’s.

    Jan 2022 - £0
    Cleared - £102,222

    Jan 2022 - Now time to build suitable investments and a business!
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Life couldn’t be more complicated. The business was in its knees from the pandemic. Now through no fault of ours we are dealing with a crisis as to whether we can even open the business again. Getting hateful messages when I woke up this morning hasn’t helped. Didn’t sleep to well either, spending today trying to help OH as he is a mess. 

    Trying to be normal in posting on here. Children are home but obv no home schooling is going on as too busy trying to sort life out. Someone was lovely and baked us a cake and sent it round This morning, which has made me smile at least. Someone picked up a book so that’s £3 made, so I now have £58 in the contingency. 
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi JanB5 thank you so much for your message. Yes I know Goustos are expensive I got this one for £30 for 4 meals for 4 people. I’m so stuck in a rut with food I thought it would help me come up with more things to eat. I’ll only do it until the deal ends, or maybe before depending on money. 

    I don’t know if it’s stress or not but I keep getting heart flutters, is there anything I should do? 
  • Oh bless you Missy, life sounds really tough right now. When my job was problematic I just was forced to shelve the home schooling so don't feel bad for doing so although I know it's easier said than done!I also say try to give yourself little me time, even if it's a walk around the block. 
    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 £150/£780

    3). £2109.85/£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
  • Aspiration
    Aspiration Posts: 532 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Morning @missymoo81 as per the above, def stay close to the heart flutters.

    You can always call for non emergency medical advice if you’re unsure and after general advice.

    I hope everything improves quickly for you.
    April 2020 - £102,222 Loans/CC’s.

    Jan 2022 - £0
    Cleared - £102,222

    Jan 2022 - Now time to build suitable investments and a business!
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi JanB5, Clarissa, and purple fairy, I really appreciate you taking the time to post, your advice and kind thoughts. 

    I’m def going to take these on board and see what I can do to make things easier. I know I need to eat better and take time for myself. And homeschooling is going to have to take a bit of a back seat for a short time. Meal planning is a good idea, I know I need to do this. I don’t know whether to have a Gousto box next week or not. 

    Going to take some time today and sort things out x



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