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Missy’s full time working mum juggling act MF adventure

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  • fionaandphil
    fionaandphil Posts: 460 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Try not to get too overwhelmed by it.  Its a good idea to bear it in mind before any more big expenditure and to save some or pay off debts for the future, but try and take it one week at a time and don't get disheartened.  Maybe something better is around the corner
  • Elisheba
    Elisheba Posts: 1,820 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 28 June 2024 at 2:00PM
    You never know what's going to happen with redundancies - it might not happen. Just take deep breaths, and one day at a time.

    And now with that as a concern you must be relieved you didn't go for a bigger house a few months ago after all. Small wins I suppose.  Sending huge hugs.
    Live the good life where you have been planted.
    Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary
  • missymoo81
    missymoo81 Posts: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Thank you @beanielou yep just need to keep putting 1 foot in front of the other. @fionaandphil thank you, yes I’m just going to try and pay off what I can in the mean time, I’d like to have the car paid off by the end of the year.
    @Elisheba thank you for your kind words, I’m trying to not get too caught up in it but it’s so hard especially with the business safety net being taken away. And I’m soooooooo glad we didn’t go for the bigger house, we were so close to though. Everything happens for a reason. 
  • dawnybabes
    dawnybabes Posts: 3,427 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Absolutely everything happens for a reason.  At least this way you can be starting to make plans and if it doesn’t happen you should have a safety net. 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,771 Forumite
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    Sorry to hear this and some great advice from fellow MFW 
    As stated at least you have a possible warning so this batten down the hatches ahead of a possible storm is great knowledge - and will keep you focused 
    hopefully you can pay the car off and the job will be fine so some scrimping and saving will give you  a forward cushion 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • missymoo81
    missymoo81 Posts: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Annnnnddddd have just been landed with a tax bill of £1000 to be paid by the end of July…. The world is kicking me in the teeth a little right now…. But it’s ok, and breathe…. We’ve got this.
  • missymoo81
    missymoo81 Posts: 8,015 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Managed to spend £19.21 on shopping. I will have to get a little more as away some of next week and need easy things for the children to eat, did forget bagels so maybe another £5. I’m hoping I can pay the car off by the end of October. 

    Food this week.
    jacket potatoes and beans
    chicken curry
    spaghetti bolognaise
    pasta bolognaise 
    chicken ballotine 


  • Just came on to echo what others have said really, hopefully around the corner will be a bit more certainty on the job front. My mortgage is on the monster size and I definitely have moments of thinking why do I even try and do anything about it. My partner lost their job last year and for a while it seemed to dominate every conversation. Then things changed and something new came up. It feels surreal thinking back to what it was like. Anyhow the meal planning has prompted me I need to do the same this week!
    Mortgage at largest £280050 with MF date 2038 - current in the £160s whoop whoop
  • Morning missymoo I hope you're okay. I'm just catching up. Sending positive thoughts your way, hope you get a break and some good news soon. Life always seems to happen like this, you think it can't get any worse then life throws another curve ball and then another....but somewhere along the way things start to turn and it will all come right again. ❤️
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • jwil
    jwil Posts: 22,179 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hey Missy, just realised I didn't subscribe to your diary!  I've caught up now.  Sorry to hear about the work struggles, and as you will realise I'm in the same place.  It's very stressful.  If you remember back to how you were worried about going back to work full time, but you managed to make it work, so you will manage again now whatever happens.

    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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