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Stopping the backsliding… a family of four no longer living beyond their means

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Comments

  • teapot2
    teapot2 Posts: 3,654 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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?
  • Baileys_Babe
    Baileys_Babe Posts: 6,521 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 family 
  • Bluegreen143
    Bluegreen143 Posts: 3,722 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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 of DS (2015) and DD (2018).

    NET WORTH Nov 25: £159,943
    Assets: £230,000
    Investments: £70,169
    Savings: £3,288
    Debt: -£143,514 (£700 CC / £16k car / £127k mortgage)
  • Spendless
    Spendless Posts: 24,991 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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.



  • Bluegreen143
    Bluegreen143 Posts: 3,722 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 18 August 2024 at 4:39PM
    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 of DS (2015) and DD (2018).

    NET WORTH Nov 25: £159,943
    Assets: £230,000
    Investments: £70,169
    Savings: £3,288
    Debt: -£143,514 (£700 CC / £16k car / £127k mortgage)
  • zcrat41
    zcrat41 Posts: 1,799 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Happy Birthday weekend ! Sounds like a lovely day and the tradition of fireside stories sounds lovely 
  • Happy birthday, glad you've had such a lovely day
  • redofromstart
    redofromstart Posts: 6,048 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Happy Birthday!
  • Happy birthday 🎈 🎂 😁
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £100/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • FootyFanDan
    FootyFanDan Posts: 1,780 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Happy birthday  :) 🎁
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