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

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  • We have always used cloth hankies and I haven't ironed since I left home eons ago.

    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 
  • joedenise
    joedenise Posts: 17,758 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    A lady after my own heart!  I only iron when I'm sewing too.  Don't sew very often but am currently making a sundress for my holiday in January - just hope it fits OK when it's done!
  • Fingers crossed on the mortgage front, hopefully broker can get you something better. 
    *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/
  • joedenise
    joedenise Posts: 17,758 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Come over and join us on the Slimming World thread on here:  https://forums.moneysavingexpert.com/discussion/6563697/still-time-to-lose-in-2024-with-slimming-world#latest
    It's helpful to have a bit more support between weigh ins.
  • Good luck with the SW i think it's a really easy diet to follow. I lost 2 stone after I gave birth to my youngest son on SW years ago. I found i followed a lot of their rules after I stopped going to SW because it had taught me good habits and portion control (I like you eat healthy but I was eating waaaay too much 🤣)
    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
  • Thanks for the encouragement debtfreewannabe! 

    So far so good. I’ve been taking pics of my meals. My mum is dieting too (not doing SW) so we’ve already been reporting our steps, active minutes and what we’re eating to each other each day but I’ve started sending food pics too. It’s definitely helpful to be accountable to someone in RL! 

    Yesterday I had:

    B - Apple porridge (HEA & B, 1)
    L - Tuna tomato spaghetti with green beans 
    D - Mushroom, green bean and pea risotto with cheddar (HEA, 0.5)

    Plus two glasses of Prosecco 🤣. So 11.5 syns in total. 



    Spending wise, nothing to report. We had a day at home yesterday so it didn’t cost anything. I tried a new concept - picking one day this month to be home all day and let a few of the kids’ friends’ parents know they were welcome to drop by for a playdate between 11am-5pm. 

    This was fairly successful - so much better than trying to arrange individual playdates with each child which eats into family time so much! (Due to their school not being local, it’s not possible for the kids to call in on their friends without me, they are scattered across the city). 

    On the day, one family cancelled due to illness and another due to the snow. If they had been the only people coming, the kids would have been very sad, but because others were coming too it was ok. So we had two little boys in the morning/early afternoon, and they also played out with the boy across the road who goes to their school, then in the afternoon my friend came who has kids the same age as my two at the same school. We’ve not seen them in months so that was fabulous. 

    We did make good use of the snow - we took the kids and the first playdate boy sledging and snowmen building at the park. Monkey then played out for an hour later with the second playdate boy and the boy across the road. I think it’s all to melt today so I’m glad we made use of it and it’s good free fun! 

    Today I plan to take Monkey to karate as his Thursday class wasn’t on (no extra cost to do a different class) and then we’ll all go swimming which is £12. I do have the Tesco delivery coming so will report back on the final cost once it’s been deducted from my account. 
    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
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