The Case of the Overwhelming Mortgage

glass_half_full

Sounds like you are really focused at the moment. 

AgathaSquirrel

School uniform shopping - I miss the days of being able to go into M&S during 20% off and buy it all. £200+ down and still a school bag and shoes to go. Currently still in this month’s budget but possibly not for long. 

edinburgher

That's a lot! Mrs E was apologising for sending me £80 worth of M&S uniform to buy. We've still got 2 pairs of shoes to go, too. At least DD2 can wear her own gear to nursery 🙂

savingholmes

Try not to over focus on the mortgage.  Pay off highest interest debt first or avoid it altogether and you are still making progress. On the kitchen it depends how extreme a makeover you want. What doesn't work for you now?

AgathaSquirrel

Yes - my experience has been school uniform costs rocket when they reach secondary. This is my last year of buying 2 school uniforms but the younger teen is the very fashion conscious, expensive one so still likely to be pricey next year.

We currently have no debts (other than mortgage) but do need to save for garden and health related item as there will be bills due for those. We will start saving for a car soon. There will however be no choice but to take out a loan. The aim at the moment is to keep the current car going as long as we can but also saving as big a deposit as we can.

The kitchen is unsuitable for a family of 4. Tiny undercounter fridge and freezer, little cupboard space. This will however be the final job we do and probably after the mortgage is paid off. Teens will likely have left by the time we do this so our needs and thoughts around the kitchen may be different by this time.