Missy’s full time working mum juggling act MF adventure

jwil

Mortgage interest works the same as any other debt, so you have a high amount of daily interest because you've got a big debt but your overall interest rate is low so you can earn more interest on savings and then pay off a lump sum as your deal comes to an end.  I've rounded my mortgage payment up to the nearest £100, which is an overpayment of around £35 a month, and then I save the rest in a higher interest account.

As greenbee says it would definitely be worth making sure you've got a decent emergency fund though, particularly if there is uncertainty about your job.

Good that you've got the works pension - it's free money!

lookbook

Good luck 👍 

I'm following you.

missymoo81

Wow thank you @greenbee and @jwil, I really appreciate your help. I have money in PBs which is my emergency fund. So I need to find a high interest account to pay £1000 a month into. Then If I can save any more put it in a different account with easy access in case. Anyone got any good recommendations for accounts?

hi @lookbook thanks for joining.

jwil

The weekly email usually details the best savings account rates. 

I've got a Kroo account for my pad account, it's a current account (app only) that pays c.4% interest, so it's easy access.  It's monthly interest so very motivating.  Monzo has a savings account which pays slightly less, and also pays monthly interest (and you can see how much interest you've earnt each day which is also quite fun if you are sad like me!).

missymoo81

Ooh thanks so much @jwil I have a Monzo account so I will have a little look! 

missymoo81

Thank you for all of your lovely advice. I have opened an instant access saver with monzo and a monthly saver with Lloyds whilst on my lunch break. And have transferred a little to both. Going to try and make some sort of progress every day. I’m struggling today, so so tired, and my boss is in so having to look busy and stay all day. OH has taken the children out for a lovely day though, bless him. 

I’m going to go back in the office shortly (just outside having a cuppa) and get some help with my expenses. Every little helps.

missymoo81

Ok managed to get through the day yesterday, despite being super tired. Came home after being out of the house for 11 hours, OH then went to work and I made curry despite the fact I very much just wanted to get a takeaway, hm pizza for dinner tonight. 

Was lazy and just shoved the curry in the oven, but me and the children watched 2 films whilst it was cooking. Am WFH today and have managed to get 2 loads of washing in and will wash my bed sheets. Got to take Roo to the hospital later and hopefully go to the library, have also promised the children we will make cakes and jam from last years berries from the garden later too. Fridge is still rammed with stuff so shouldn’t need anything else.

jwil

Nothing lazy about just shoving stuff in the oven, it meant you got to relax and spend time with the children instead of being chained to the kitchen! Well done for avoiding the takeaway too.

missymoo81

Thanks @jwil

so YouTube keeps showing me videos on slow living, I’ve mentioned this before. But I’m getting a bit cross with it. Especially after coming back from holiday I really want slow intentional living. All these videos of long haired mothers in floaty dresses wandering through the countryside….. Getting up at 5am to have their ‘me time’.(they either don’t work or work from home), have the tidiest, most organised homes and go to bed at 9pm to wake up refreshed and energised at 5am.

They never seem to have washing mountains, or Xbox noise in the background or children shouting at eachother, or opening cupboards and having everything fall out… it’s just not real life, and I get that, but I yearn for it so much…..

my life is get up at 6.30/7, runaround getting everyone ready for work or school, leave house at 7.30, drop children off, get to work for 8.15, work until 3.30 (meant to be 5 but I have to get the children) then race across city to pick children up. 

4.15 get home, carrying on working whilst helping with home work and lunch box prep and thinking about dinner.

5.15 stop work, make dinner, 
6-6.30 eat
7pm various clubs
7.15 workout if not literally hanging out of my backside with tiredness.
8/9 pick up children from clubs 
shower and children’s bed time.
9/9.30 clear up sort stuff for tomorrow, make dinner of having something different from children if OH is working late.  
10/10.30 finally sit down, try and stay up until midnight so I feel like I’ve actually had an evening.

that doesn’t include washing or shopping or looking after the cats or getting fuel or invoicing or doing anything else….

these don’t include the days where I start work at 7.15 and don’t finish until 6……..

sorry not expecting sympathy or anything of course, I appreciate how blessed I am to have a house, a family and a job. just needed a moan!

debtfreewannabe321

My days used to be like yours too and I also coveted the SAHM wearing long white floaty cotton dresses, foraging barefoot with her darling well behaved children around her smiling (yeh right ) ....until I became one and realised it was all lies I think that these people on insta and YT must be exceptions to the rule - if they do indeed exist-  because even when I was at home all day my day was packed with doing jobs and ferrying kids everywhere, continually tidying and washing, my hair was disheveled, clothes un-ironed, I was stressed with mum guilt from NOT working... no matter what life we choose we always seem to want something else because of unrealistic images we see all day long.
It does get easier as the kids get older, they want to do less clubs, they don't fight as much as they lock themselves away in teenage moods, and they aren't under your feet all the time when you're busy because they don't even want to speak to you. Anyway this is just my experience, but it will change, and all I can say is hang in there, don't follow unrealistic versions of motherhood that don't suit your current lifestyle. Of course if you want to change things to make your lifestyle like those ones on the videos then you'd probably need to change jobs, house, etc etc etc to achieve it (or marry a millionaire). As the saying goes, this too shall pass, and until then moan it all out, it's okay many of us can sympathise with you!