Missy’s full time working mum juggling act MF adventure

Bluegreen143

Missy, I cook everything from scratch because cooking IS a hobby for me and my new reduced food budget is £100 a week - previously I was spending about £150 a week at least. That’s for two adults, an 8yo and 5yo and the kids get free school meals. So I don’t think your food shop of £100 is being extravagant personally. The price of food is a world away from where it was a few years ago, and it does cost a certain amount to feed your family a fresh, healthy diet.

missymoo81

Thanks @fionaandphil @bluegreen143 and @jwil I really appreciate your comments. 

I think I just need to take a moment to breathe sometimes. I’m going to think a bit on how to make life easier.

So I managed to unpack and do 2 lots of washing yesterday, and put the towels away and put the clean washing on Mays bed and put some of her clothes away, emptied the bins and put the shopping away. It was a big shop and I should have food for the whole week, I also cooked my jacket potatoes for the week, so my bag is all nicely packed for later on.

I really don’t want to go to work today but I’m hoping it will be ok. 

After work I’m supposed to be doing a workout at some point, I also want to finish putting the clothes away. 

jwil

Hope work is ok.  Can the children not put their own clothes away?

Bluegreen143

Agree with Jwil. What I do is I fold their clothes and leave them on the dining table in piles by category (normal clothes, uniform, underwear & Pjs) and they have to take them up and pop them in the drawer. It’s not a difficult task for them as I’ve folded and even my 5yo manages this successfully. They don’t have hanging clothes/a wardrobe but if they did I’d probably put on hangers for them downstairs too.

fionaandphil

I'm another one who folds them and leaves them on the bed for them to put away, one less thing to do 

dawnybabes

I always cook extra portions and pop them in the freezer for future meals when I’m tired it’s good to know something reasonably healthy is lurking in the freezer. 

missymoo81

Yes you’re right, I should just fold them and put them on the bed, they’re usually just dumped on the floor by me and then stepped over by them for weeks. Work has got vaguely better as the day has gone on, I still just want to go home and curl up though. Really don’t think I’ll do a workout, really haven’t sleep well recently. 

I have just eaten my lunch, it was ok. Nothing to write home about. I had tuna, but was stingy on the mayo as was trying to be good but wasn’t very nice, could prob have half a ton of beans for the same calories, I really want a can of pop and some chocolate but I am refraining. 

I meant to say I do have a work pension, I pay in 5% and work pays in similar I think. But I’ve only been paying in since November last year. 

Checked the mortgage yesterday and it’s about £231,500.00 fixed at 2.14% until Aug 26. So need to think about that and how much I can pay realistically.

things to be grateful for,

im  currently sat outside in the sun. 

I have dinner sorted
i Get to see my babies tomorrow
i dont hate my job

i know there are more but I’m quite grumpy so struggling to think of any.

greenbee

At that rate of interest you probably don't want to OP right now - put the money in savings as you'll make more than you save. Then pay off a lump before you move onto your next deal. It's only if you get less for your savings than you pay that it's worth doing the regular OPs. So build up savings that can be used for emergencies but anything over a certain amount will be used to OP before your next mortgage fix. 

missymoo81

Thanks @greenbee I really don’t understand how mortgage interest works, I know it’s costing me about £15 a day in interest….

i could overpay/save I think £1000 a month realistically 

greenbee

Start with saving the £1k/month and seeing how you get on. You don't want to OP until you have a savings buffer and know it is manageable, otherwise you'll end up with an overpaid mortgage and debt that is costing you more to service than the mortgage costs you!