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From Frugal Foundations to Fortified Family Future

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  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I also moved to a model of “only buying yarn for specific projects, and only good quality yarn from the independent yarn shop” a while ago Greying. 

    I like it better than amassing a hoard of cheap materials. I try to only keep a max of two open projects on the go though I do have three just now. 

    I actually don’t find it much more expensive to knit this way as I am buying materials so infrequently compared to when I was impulse buying and stashing before. And I enjoy projects more using good quality materials I’ve bought especially for them, rather than trying to make do with something not quite right. 
    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
  • rtandon27
    rtandon27 Posts: 5,690 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hooray for small wins and baby steps!  I'm not a minimalist either, but I do like neat & tidy & organized so do small clean outs while I'm in each (flylady) zone.  I find little wins makes keeping a tidy house manageable.
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 6,595 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    rtandon27 said:
    ......  I find little wins makes keeping a tidy house manageable.
    I have yet to reach those dizzying heights when it comes to housework rt 😉🤣

    Greying X
    Pounds for Panes £7,305/£10,000 - start date Dec 2023
     
    Grocery Spend August 2025 £94.78/£300 
    Non-food spend August 2025 £3.75/£50
    Bulk Fund August 2025 £0/£10 
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My car was reluctant to start yesterday too GP - a combination of not having been moved for a few weeks and it being really very chilly and damp, I think. She was absolutely fine when I got back in at the end of the day, at least. 

    I hope you were able to tackle LG's crisis of confidence and buoy them up as they went out of the door! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • rtandon27
    rtandon27 Posts: 5,690 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    rtandon27 said:
    ......  I find little wins makes keeping a tidy house manageable.
    I have yet to reach those dizzying heights when it comes to housework rt 😉🤣

    Greying X
    🤣🤣🤣 - my version of house work is very much - if you can see it then it gets cleaned!  I made OH shift the bed during the holiday so that the multiplying dust bunnies could be coralled - can't see under the bed normally so they know it's a free for all most of the year!
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
  • Watty1
    Watty1 Posts: 6,835 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just caught up and have googled portiere rods and concluded they wont work as the door is in a recess and goes from one side of the room to the other so nowhere to put a rod, but an image on line made me think !    The rod could go on the ceiling and in the tiny room (door sized in fact) part of the hallway - so it would not be in front of the door but say 6 inches way - which means I could use a curtain or blanket and stop the drafts.

    Now there is a thought as the door is a huge one and I didn't want the expense of changing it so renovated it last summer.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
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