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Getting shot of the mortgage sooner than 2049!
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Good day, fairly slow paced at work and I got three loads of washing away and the place tidied and hoovered.Picked up kids as planned (including extra child) and took them to the party which was fun. A good time had by all, children high on sugar 😂 and deposited extra child home before coming home ourselves.Dinner was mac & cheese bake (with broccoli and peas in) which Red cleverly made last night ready to pop in the oven for us coming home. He also made the Christmas Eve lasagne and froze it.I’ve finished both kids’ PJs! Pics below, though it’s hard to get good pics if they aren’t being worn.In other exciting news, we’ve discovered £95 of clubcard vouchers! And added to our Christmas delivery to reduce the price. We have added extra alcohol now we know there’s extra money there, but this accounts for about half of the vouchers. The rest we will just allow to offset the delivery which will stop us going over our grocery budget this month.
Have to give credit where it’s due, it was Red who remembered about the clubcard vouchers though he had no idea we had so many.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: £55,4255 -
Yaay for the club card vouchers! 😊🍹🍸🥂🍾
Those jimjams look really professional and I love the fabric ❤️KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
PJ's look awesome.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Those PJs are fantastic, you are so talented.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family1 -
We use our clubcard vouchers to pay for ferries to Ireland, RAC membership, trips to cinema and vouchers for eating out. You get 3 times the value rather than just face value against price of shopping.4
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I use mine for magazine subscriptions. Years ago though when you could still get 4 times the value I paid for a foreign holiday, I wouldn't spend anything like enough in there now though.
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Oh I know, lots of people do manage to use their vouchers to great effect which is brilliant 🙂 I always feel guilty for not doing this which is why they’d built up quite a bit, I end up just keeping them forever!Previously I’ve used them to pay for our delivery saver (think you get 1.5x face value) but we’re nowhere near renewal for this, I forgot to add the vouchers as a payment method in the summer when it renewed.The issue with the clubcard partners is we don’t go to the cinema, eat out (except when invited by family), go abroad or read magazines 😆 I have in the past trawled through the clubcard partners and none of it was ever anything we actually needed at the time. Whereas we always need groceries 😆Plus it put a huge smile on Red’s face today as he had declined to put a bottle of whisky and bottle of baileys in the shop (usual Christmas treats) due to cost so when I discovered the vouchers he was really pleased to be able to have them guilt free. I’d rather have that happy face of his than use them book a meal out that we didn’t really want 🙂Next time they build up I will check the clubcard partners again just in case there’s anything useful at that time though, it’s a good reminder!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: £55,4254 -
Looking at it you only get face value now if using them to pay for delivery saver 🙄 as I remembered, most of the attractions and things are based in England. But some of it may be useful as the kids get bigger if they want to go to a theme park etc, so I’ll keep that in mind!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: £55,4252 -
In the past, I've used my club card points for buying rail cards and magazine subscriptions. As well as when eating out when we are away.
I am not even sure I have earned any points this year, I can't remember the last time. I went to Tesco.
Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
Ooh - I ❤️ your choice of fabric.2025 decluttering: 3,550🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 309🥉🥈🥇💎🏆
Big kitchen declutter challenge 92/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5000
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