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

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  • beanielou
    beanielou Posts: 96,073 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Popsy dresses are the comfiest thing ever. They have pockets. As do their cardigans! 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Floss
    Floss Posts: 9,056 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Have you looked on Vinted for your dresses? You can save searches set to your preferences & there are bargains to be had 😉
    2021 Decluttering Awards: ⭐⭐🥇🥇🥇🥇🥇🥇 2022 Decluttering Awards: 🥇
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  • It sounds like a very lovely weekend (and well planned :) ). We are currently in process of trying to get more family time in at the weekend. We always seem so busy with drama club for the little one or due to the after school clubs and all the travel school run includes we always end up just doing nothing on weekends which seem a waste!. I love how organised you are with everything

  • I’ve gotten many ideas for family bonding traditions from a parenting group I’ve been part of for years. They recommend starting with one and trying it for three months. So some of the ideas include a special family meal (we already do dinner together every night so that’s why I’m trying a weekend brunch as something different), a weekly walk, weekly campfire or games night, things like that. But the key is once you’ve thought of something new to try, then stick to it for three months before evaluating how it’s gone rather than trying to make lots of changes at once then forgetting them all. 

    I’m not doing the fire thing or brunch weekly though, my aim is to do it whenever we have a quieter weekend so we skipped them when we had my birthday party or when I took the kids up north for the weekend. 
    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
  • I used to live in dresses before covid but since then like many people working from home, I hardly ever wear a dress anymore. You're making me want to get some for ease. I used to love chucking one on over leggings or tights. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Bluegreen143
    Bluegreen143 Posts: 3,709 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Just popping in to check in. Nothing too crazy to report, though I did spend £48 in Tesco today - £8 to replace Monkey’s water bottle which he left at Cub camp, £12 on leggings for me, £7.50 on a nice (big) autumn candle for the dining table as we’re out of candles, £20.50 on 2x hats and 3x gloves/mittens for each child.

    I can’t be bothered going to check all the exact amounts on the receipt but I think the above estimate is fairly accurate and the total was definitely £48 😆.

    I did also go to the library which was at least a tad more frugal. 

    Made lovely pulled salsa chicken/sweet potato/black bean/rice burritos with HM guacamole and salad for dinner. Pleased with how tasty it all turned out especially as my friend joined us for dinner. The kids LOVED the burritos and even both had some of the adult ones once they finished theirs - the adult ones were exactly the same but with added jalapeños. I was really impressed actually - Monkey said he liked the jalapeño version, Bambi picked a few of hers out but still ate the bit of burrito happily. Big win!

    I’m feeling a bit emotionally impacted and stressed about a situation between two of my friends (housemates with each other), who are having a very messy friendship/housemate breakup - tough when you feel caught in the middle and don’t want to to impact your own relationships with these people. I think I’m such a people pleaser and it just makes me anxious when other people don’t get on, which is ridiculous 🤦‍♀️. 
    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
  • Floss
    Floss Posts: 9,056 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic



    I’m feeling a bit emotionally impacted and stressed about a situation between two of my friends (housemates with each other), who are having a very messy friendship/housemate breakup - tough when you feel caught in the middle and don’t want to to impact your own relationships with these people. I think I’m such a people pleaser and it just makes me anxious when other people don’t get on, which is ridiculous 🤦‍♀️. 
    Probably best to take a little step back for now, while letting them both know individually that you're doing so and make plans with each of them. It's hard to stay Switzerland when one has friends who come out of being a couple.
    2021 Decluttering Awards: ⭐⭐🥇🥇🥇🥇🥇🥇 2022 Decluttering Awards: 🥇
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