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The thriftyish way to debt freedom

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  • MagicCat
    MagicCat Posts: 390 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Thanks so much for the info on surveys @f0xh0les and others who have suggested, I'm planning to sign up!

    You've been so busy @thriftyish, lots of good stuff happening!  I think with something like the desks that you really needs it's well worth buying them if you can find a good value for money option which you did.

    Hope you had a lovely beach trip, was it today?

    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
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So glad the beach went well! Sounds a lovely day, money well spent as you say and to be fair quite a cheap day out for a family of 6. Really want to get my kids to the beach soon. Until last week we were still only allowed to travel around 5 miles for leisure in Scotland and as I live in Glasgow there aren’t any beaches in that distance! Though they have done quite a bit of paddling in the river and indeed puddles 😂 I do want a trip to the beach before my husband gets unfurloughed though (as think a weekday will be better for it being quieter). 

    Love how you broke your post up into headings! I love a nice long update myself, I find other people’s diaries so inspiring 🙂 
    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
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Also meant to say well done on the Fitbit, and you’ve reminded me I’m meant to be looking mine out and charging it!
    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
  • MagicCat
    MagicCat Posts: 390 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Happy Birthday for yesterday @thriftyish, it sounds like you had a lovely day  :)

    You get so much done, even with 'just' your usual house/allotment/childcare/homeschooling, and your big jobs too, I'm always so inspired by your diary. Child free time is really important and so hard at the moment - work has become my escape! Can you and your husband take turns to give each other a couple of hours of alone time? Might be better than nothing.

    I love that you're doing your own hair - I don't really like hairdressers either so have been doing mine since my eldest was born, but it's easy as my hair is quite long so I just chop a couple of inches off the end - short hair is much more of a challenge as I discovered when I tried to do DH's  :D
    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
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    @thriftyish I too cut my own hair (even pre-COVID) but it’s long like @MagicCat’s. I’ve always cut my son’s hair and have recently begun doing Red’s. He’s never let me before because he’s quite vain but he now says I do a good enough job I can keep doing it for the foreseeable. So that all saves us a bit. Bambi at 19 months has had a little trim but she’s not got masses of hair yet. I need to YouTube some girls styles for when she gets older!
    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
  • thriftyish
    thriftyish Posts: 129 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    @MagicCat We try to give each other alone time but its a bit of a juggle, the children come to us both equally though, I am really lucky that way. I am enjoying my YS walks :D I have cut DH's hair for years, I managed to convince him to go with DS to the barbers once, said it would be good bonding time:- he came away traumatised and has refused since. I think it was the way they said 'Eyebrows?' and then offered to wax his nose hair :D I panic most about DS who asks for specific styles, especially as he is getting older, I do keep reminding him I have no idea what I am doing!
    @missymoo81 Hello :) Yes! I think without the quick breaks we might go insane, as much as I love my children they are absolutely exhausting!
    @Bluegreen143 If you are already doing your DHs & DS, DD will be much easier! I love when they are at that age, and everything is new and amazing.

    Quick update or I will burn the 'end of homeschool' celebration pizza!
    Surveys
    I signed up to valued 0pinions earlier this week and am £8.35 richer. I cant swap for an Amaz0n gift card till £15.50 but I am well on my way.
    Too good to go
    I found the ideal time to get a 'too good to go' box for the next day is 15mins after the collection window closes. I managed to buy one! It had 2 loaves of bread, 3 packs of various scones, a fruit loaf, new potatoes, 4 vanilla slices, a croissant and a chocolate croissant and 4 cheesy muffins for £3.09p. With a little bit of freezer mcjiggery nothing will be wasted.
    Mr Lidli Wonky veg box
    These arrive on the delivery and are put out soon afterwards so it took 2 visits to find the correct time. In our store, they actually store them past the till point (so beyond where you pay) I would NEVER have looked there. I bought one this morning and I am impressed, the fruit basket is looking healthy - I should have bought two!
    Decorating
    I am jealous of next door who have decorators coming daily at the moment, but the dining room has had its first coat. My friend said the other day 'they are old houses, they aren't meant to be perfect, its part of the charm' and in the space of two seconds I am now embracing the charm - Its probably me being fickle, but words sometimes have such a big effect on me!
    Chicks
    The chicks are due to hatch tomorrow. One has started pipping today, so we may even have a chick tonight. The heat lamp still hasn't arrived though, and I am heading tonight to pick up the wood shavings for their bedding. We keep the chicks in the incubator for the first 24 hours after hatching, but if this heat lamp doesn't arrive soon we are going to have to rig something up until it does!
    Chest of drawers
    I spotted my best friend selling 2 chests of drawers for £10 each, so am meeting her for socially distanced catchup up and to collect them tonight which will be nice. I hope I don't miss the first chick hatching! My two youngest don't understand the concept of a wardrobe and most of their clothes end up folded at the bottom for ease, so these drawers will be perfect after a coat of paint. No rush as the girl's bedroom is currently an awful shade of brown and is on the list to decorate!
    Mortgage-free wannabe!
    Mortgage Debt May 2020: 159,804

    Now: £151,085
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