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Pay for the future and not the past

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  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    jokono said:
    Belated happy birthday @MissRikkiC!! 🥳🎉🥳

    It was my best friend's birthday this weekend, an excellent time of year to be born 😃
    I hope you get better soon and manage to get a bit of rest before the baby comes.
    Thank you 🤩 it really is a good time of year! There are so many bank holidays and the weather is often just right!! 
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
  • Suffolk_lass
    Suffolk_lass Posts: 10,274 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hiya, slowly catching up from the holiday away and I just wanted to chip in and say well done! I think consciously thinking about why we do different things is a huge step towards conscious spend and change.

    I have nostalgic hoarding in my background. My Grandfather used to acquire stuff and I loved it. I still have a really rusty pump he acquired from a Victorian mansion being demolished while he was still working in the 1960s - I still plan to ease it and replace the seals! - the upshot is that I also acquire stuff and am poor at following through on doing stuff with it. This extends to food where my larder is ridiculous, although better than it used to be! The fridge is better as I have nearly cracked the once a month SM shop with small top-ups in between for the limited items (bowl fruit mainly) that we need
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I think we just get so much from our elders, some good and some not as good! My mum never budgeted, I would have to do it for her and we eventually managed to get her some savings put away. However the moment there was no focus, it’d be spent. Don’t get me wrong, she wouldn’t spend it on anything in particular that was extravagant or lavish, instead she would take the entire family for dinner or pay for a take away as her way of giving something back. It was ALWAYS done with her heart yet rarely her head. Her kindness would more often be at her own expense, both emotionally and financially. 

    She taught me so much I have to admit. In a lot of ways ❤️
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning readers and welcome to Wednesday! Officially hump day! 

    Nothing much new over here, I’ve been decorating the nursery this pending the new arrival and trying to stick to a meal plan.

    I’ve done well so far, in that the nursery isn’t far off done, I’ve a bit of wood work to paint today and coving to fill. Then a big hoover and clean tomorrow before moving in furniture. What furniture I don’t know since we haven’t purchased any 😅 but whatever we deem isn’t utilised in my eldest’ room 

    The meal 🥘 plan has been using up ingredients which required it, just a little shuffling on account of less hungry bellies. 

    I really fancied beans on toast for breakfast this morning but no beans in and actually only 3 tins in which aren’t tuna. This is largely down to the fact that we use very little that’s not fresh other than chopped tomatoes and beans such as baked or butter and I’ve been buying them as we need them as it’s more like a once a week job however I was a bit depressed looking in the cupboards. 

    What a balance to find, I love the organic fruit and veg box we had which is doing us well yet we haven’t enough tins for a basic breakfast! Hmmm it’s making me think anyway. 

    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
  • jokono
    jokono Posts: 766 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    Almost there, when's the baby due? I'm sure you said but I forgot.

    (Now I'm craving beans, I'll go check the cupboard, I might be luckier than you)
    01.12.2020 - CC £16,839 / Loan £18,820 / EF £0
    03.07.2023 - CC (0%) £9,859 / Loan £0 / Savings £10,110
  • jokono
    jokono Posts: 766 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    No beans in this house either 😥
    01.12.2020 - CC £16,839 / Loan £18,820 / EF £0
    03.07.2023 - CC (0%) £9,859 / Loan £0 / Savings £10,110
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I do try to always keep beans, tuna, tinned tomatoes, coconut milk and some emergency tinned fruit in my plastic box where I store tins. Beans on toast is a favourite here with the kids too and solves the issue if I’ve not made anything for lunch at the weekend and they’re starving! 😅
    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
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Baby is due Friday! 🤣 I’m waiting so patiently! 

    @Bluegreen143 but I do have chopped Toms peaches and coconut milk so got all of the other things! 
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Eeek so exciting!!! Getting jealous over here thinking of all the newborn snuggles you’ll soon be having 😍
    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
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I also typed @jokono sorry I made you want beans then you didn’t have any! I’m off to Google how I can make them! I’m sure I have a bunch of dried beans! 
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
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