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Stopping the backsliding… a family of four no longer living beyond their means
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Happy birthday weekend 🎂🎁🎉🥂🎈🥳 sounds like you had a good time. Was the white water thing in a kayak? I'm trying to imagine what it would look like in a tube?1
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Happy birthday @Bluegreen143 I'm pleased the family have made you feel cherished, enjoy your cake 🎈🎂🎈Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family1 -
No teapot, it was a tube rather than a kayak. It’s quite difficult to stay on the tube on a whitewater course, as Red described the experience afterwards “it’s like being flushed down a toilet repeatedly” 🤣🤣🤣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: £55,4253 -
Happy Birthday - sound like you've had a lovely time.
Hadn't realised that Red's Mum was a bit older. Understandable that she really wanted to experience something but how it was in her head vs the reality was too much. Your MIL is nearer to my parents age and I'm closer to your Mum's and also in the 'sandwich years' despite my own kids being adults.
I would say keep the car too. 2nd hand is so expensive now. I bought mine 8 years ago when it was 10 years old and it would cost me a lot more to replace with similar than it did back then, so I keep hanging on though I know the next bit thing to go (garage owner has told me clutch will eventually go) it won't be worth repairing.
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Agreed Spendless. Eight years ago we got a low mileage second hand car for £2k which ran great with minimal repairs for 5 years. You just can’t get that kind of bargain anymore.Red is 5 years older than me and is the youngest of a large family (he’s the product of a second marriage for both his parents) whereas I’m the eldest in my family and my mum fell pregnant with me (accidentally!) at 18. So there’s only a small age gap between Red & I but a massive one between our mums! Totally different generations.The children love their Grandma, especially Monkey who has a lovely bond with her (she gets on better with boys I think, perhaps as she only had a brother, had three sons and her older grandchild is a boy - so not as practised with girls!). But we are keen to accommodate her when she wants to do stuff as we’re conscious they can’t make memories with her forever. My own grandparents were really formative in my own upbringing, probably because my dad wasn’t very involved, so I do think grandparents are so important.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: £55,4253 -
Happy Birthday weekend ! Sounds like a lovely day and the tradition of fireside stories sounds lovely1
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Happy birthday, glad you've had such a lovely day1
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Happy Birthday!My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1 -
Happy birthday 🎈 🎂 😁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. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Happy birthday
🎁
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