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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

  • WinterWarrior
    WinterWarrior Posts: 6,108 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 14 May 2021 at 6:59AM
    Will he be away for the entire day? I would suggest 2 birthdays then. Maybe a mini birthday with a few presents and a nice tea and cake on the real day and then a second birthday with the rest of the presents and a party or go somewhere on the next Saturday or Sunday that daddy is there? Two birthdays would be very exciting and make it a special year instead of a sadder day. 🎂
    good luck for the mortgage ⭐️
    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

  • Bluegreen143
    Bluegreen143 Posts: 3,709 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hello @missymoo81! Just caught up on your diary. So exciting that you may be able to buy your house 🤞🏼

    Hope the iron tablets do help as it does sound like you have many of the symptoms. When I was pregnant with Monkey I felt so awful, exhausted and could barely walk anywhere cos I couldn’t breathe (this was only about 20 weeks in and I hardly had a bump yet). Then I got iron tablets from the midwife and it was a huge transformation and I suddenly had loads of energy. So if it is low iron, I know how rubbish that can make you feel ❤️
    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: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey sorry I haven't been in touch. Been busy and unmotivated, and been feeling really rubbish and down.
  • Hi missy,

    Hope you're feeling better soon xx
  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    The weather isn't helping is it? Shockingly rainy here. 
    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • jwil
    jwil Posts: 22,110 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel better soon x
    "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: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey everyone! Sorry for the negative post and run yesterday. Today is a slightly better more organised day, although I have a feeling in about 10 minutes OH is going to call on me to start his shift as I think he's running late from his course, of which I would rather not do!

    I've been really struggling with money, as in spending it, self sabotage really. I've been sitting on paperwork from the solicitors for 3 weeks for no reason, other than I knew it would be hard to fill in. I've ordered more gym clothes I didn't need, which i need to send back.

    But I've tried to be more productive. Today I have done some work, filled in the solicitors forms. Chased up the mortgage broker, done 2 loads of washing and managed to get one dry. tidied up a little. Sent some nice messages. So its all good. Still feeling very stressed though. I don't seem to be able to keep a handle on everything. Last week, my eating was good and i trained 6 times, but i did hardly any work and the house was a tip and I was spending money. Now this week, I'm vaguely getting on top of the house and admin, but eating is rubbish and I've barely trained and I'm grumpy! I can't win!

    Anyway, I will write more later. Hope you're all ok x
  • Hey @missymoo81, glad to see you've posted an update. 

    Don't be too hard on yourself, this weather and feeling crappy doesn't help with overall motivation. Well done for doing the forms and chasing up the solicitor. Tackling little bits is better than doing it all in one lump sometimes. 

    I'm struggling with my sleep at the moment and it then means i'm really tired during the day. GRRRR! 
    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 £360/£780

    3). £2209.52/£3000 in Investment ISA (35/50 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
  • WelshKitty85
    WelshKitty85 Posts: 1,439 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Hi @missymoo81, just popping in remind you how awesome you are. You always seem to be juggling so much, but somehow you manage it. Keep chipping away at things and you'll surprise yourself at the progress you make. 
  • I echo WelshKitty above, I'm in awe of how many plates you are constantly spinning and keeping in the air. Its really lovely that you spent some time sending nice messages, make sure you send some to your self :smile:
    Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
    OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
    Emergency Fund Target: 3 months saved ✅
     
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