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

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  • teapot2
    teapot2 Posts: 3,543 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: 6,267 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: 3,704 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 | 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: £55,425
  • Spendless
    Spendless Posts: 24,682 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: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 18 August 2024 at 5:39PM
    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 | 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: £55,425
  • 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
  • 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
  • FootyFanDan
    FootyFanDan Posts: 1,687 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Happy birthday  :) 🎁
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