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

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  • Bluegreen143
    Bluegreen143 Posts: 3,707 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    That's very kind of you FootyFanDan. I do enjoy playing with the budget... the tricky bit is sticking to it!

    We ordered a new fridge freezer yesterday. It was £378 so I took the £100 in the Home Maintenance pot and the rest from the Emergency Fund. A working fridge freezer is an absolute necessity so I don't feel bad about this spending, and am thankful we had some money in the pots so it didn't go on the credit card (which I'd like to never use again!).

    I also ordered Bambi some clothes from H&M. She's growing like a weed and is now wearing age 6-7 despite still only being 5. She's very slim, just very tall, which makes fit an extra challenge. She often wears dresses and all her dresses are now completely indecent and turning into tops (and I fight with her about how she needs to wear leggings with them cos they are too short for tights!).

    I used the employee discount portal at my work for 8% off and spent £80, but have £3.50 or so left on the e-voucher I bought which I can use next time. For that I got one of those three pack mix and match tops, the matching three pack of leggings, two matching jumpers, and four dresses (including a denim dungaree dress, which was more expensive than the others, but is her favourite style). This will be enough clothing for her now all winter now she's mainly in school uniform.

    The only thing she may still need is more tights, but I want to weed through what she has and remove the too-small ones first as I'm wondering if she does have enough but just keeps reaching for the small ones!

    I only had £64 in the Kids' Clothing pot so I took the excess from Misc (things I forgot about) - already that pot is showing it's value!

    Monkey doesn't need any clothes, except I bought him some socks yesterday at the supermarket. Unlike Bambi he has not grown at all in over a year, poor boy (he's still wearing age 7-8, much to his disgust), and his winter clothes last year were from Next and still look decent. If he has a growth spurt I will obviously buy him new clothes but I don't think it'll happen in the next month or two, so that pot has time to fill up again.

    It's just occurred to me that I haven't booked Thursday's Tesco delivery so I better get that done today in case all the slots go...
    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
  • Sounds like you got a great mix from H&M! We love their kids clothes - they seem to fit well for skinny mini kids. Did you see that you can take bags of rags, old towels, sheets etc to be recycled and get £5 voucher back? The cynic in me says they may bin the stuff… but rather have £5 and them bin it than me bin it for £0! 

    debt totals: 

    CC1 (Lloyds): £2,037 was £1,160

    CC2 (NatWest):  £6,064 was £6,682

    CC3 (Virgin): £4,093 was £4,495

    CC4 (John Lewis): £0! was £681 

    PayPal: £680 was 1,096

    Next: £100 was £60

    Total: £12,928

    savings totals:

    House fund: £7,096

    Emergency fund: £154

    Christmas fund: £200

    Holiday fund: £600

    Birthday fund: £200

    Pension (personal only): £22510

  • I needed a new tyre over the weekend too! We've only had our car a couple of weeks. So annoying!!
    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
  • tiddles
    tiddles Posts: 446 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    I’m looking forward to trying this recipe - thanks!
  • Floss
    Floss Posts: 9,032 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    At the end of the day, a new F/F is what your emergency fund is for. Mine had to buy a new washer within a few months of being set up.
    2021 Decluttering Awards: ⭐⭐🥇🥇🥇🥇🥇🥇 2022 Decluttering Awards: 🥇
    2023 Decluttering Awards: 🥇 🏅🏅🥇
    2024 Decluttering Awards: 🥇⭐
    2025 Decluttering Awards: ⭐⭐
  • Could you buy bambi some denim shorts or something to wear under the dress with her 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/
  • The soup sounds delicious, thank you for sharing the recipe!
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Aww I remember my DS2 crying about the same thing, I tried to say I was only 33 and not going to die just yet and he burst into more tears at that thinking I was ancient :joy: (It was pretty funny after I had calmed him down.)
    I think cinema is a great idea on a miserable day, I used to take mine all the time to kids showings which were cheaper and also they don't care so much if the little ones aren't sat so quietly. Have fun :smiley:
    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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