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

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  • KajiKita
    KajiKita Posts: 7,811 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I love the idea of drop-in play dates. So flexible and informal 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Good luck on sw! 
    *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/
  • All going well so far. 

    Yesterday’s meals:

    B - apple & pear porridge
    L - leftover tomato tuna pasta & carrot sticks 
    D - citrus honey chicken thighs, new potatoes, a big salad 

    Syns - 4.5

    Just been looking at how to budget Red’s pay when it comes on Friday - estimated £4,432.

    Needs - £1,216 
    - Home £530
    - Utilities £201
    - Car £60
    - Groceries £300
    - Subscriptions £62
    - Miscellaneous £62

    Savings - £486
    - £100 LISAs
    - £386 Credit card

    Wants - £729
    - £400 Red
    - £50 Family
    - £150 Gifts
    - £129 Kids’ room refurb

    We need a kallax unit for Bambi’s room to store toys and I’ve seen one for £20 on gumtree - sent to Red - hoping it’s still available as we had been going to buy new, but obviously that would be a good saving 🤞🏼
    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 can sympathise with the frustration of just wanting the project finished. Rejigging the pots in the short term to allow this to happen seems a sensible solution.
    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 
  • Would there be any chance of before/ after pics (obviously with no identifying features)?
  • Bluegreen143
    Bluegreen143 Posts: 3,707 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 1 December 2024 at 10:18AM
    Hello all! 

    I’d love to do pics but it would be very outing if anyone who vaguely knew me looked on here. I mean the bed is handmade so one of a kind! Perhaps I could pop it up for a day or so and then take down again. That said if anyone who knew me well clicked on here I suppose it would be fairly obvious it was me anyway. 

    The amount of money leaving our bank accounts is horrifying right now but at least we are not using the credit card! 

    Kids’ rooms

    We are nearly done with the kids’ rooms. Today while I’m out for lunch with the kids, Red will do the finishing touches - make up their desk chairs, hang pictures & guitars up etc. There is still a couple of things to come from relatives (and the little games table we’ve bought Monkey for his birthday) but we are getting there. Bambi is moving into her room tonight and then there will no longer be a mattress on Monkey’s floor! 

    My mum and stepdad came by with Monkey’s birthday presents last night because we are so outrageously busy next weekend and they wanted to watch him open them. They got him Harry Potter bedding & a wall sticker, an electric candle with a wand to turn it on and a gorgeous Harry Potter dress up set complete with broomstick. He’s Harry Potter daft so they’re great gifts, they’ve done really well. 

    They brought Bambi’s wall sticker too by accident (she’ll get her presents closer to her birthday) which is actually really helpful as it’ll help us place where to put her other posters up now we’ve seen the size. Her room is a “how to train your dragon” theme - also something they both currently love. 

    The good thing is the theme is restricted to wall art & bedding - their curtains, walls and lamp shades are neutral (grey) so when their interests change we can just swap out the posters without redecorating fully. 

    Kids’ birthdays

    ✔️ Booked climbing for 7 children for Monkey’s birthday next weekend (including my two) - £84
    ✔️ Decided not to go for dinner after - we are driving the kids home, except one who is only coming to the climbing (another mum who lives close by is helping drive some kids in her car) and ordering pizza in, plus I’ll get some snacks. I did suggest supermarket party food but Red was keen to order pizza as we’d originally promised a meal out. And tbf it will still cost less than Bambi’s bigger party. 
    ▪️ Need to get party bag stuff for both kids. I’ve got two hours to kill while Monkey is at a birthday party this evening, and it’s conveniently near a big out of town shopping centre which is open late in December. So I’ll do that tonight.
    ▪️ I need to wrap the kids’ presents and make or buy cards. 
    ▪️ Lots of work to do on Bambi’s party like sort out food and a treasure hunt - that’s two weeks away though. 
    ▪️ Need to decide what I’m doing for cakes. My kitchen aid mixer is broken which is really annoying. I wonder if my sister would make me up a batch of buttercream in hers and I could go collect it?? 🤔

    Christmas

    Disaster area!! Still have loads to get! 😨. We did get our tree yesterday - £55 which I was pleased with as it definitely cost more last years.

    Weight loss 

    I lost 3lb my first week of slimming world, yay. Sticking to it well so far. I don’t think it’s costing any more on our grocery budget as you eat quite normal food. Less treats and oil/butter are offsetting more fruit and veg I think. 
    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
  • Go on ask your sister about the buttercream, it is easy to do in a stand mixer and no effort.

    Our stand mixer is also currently broken, it is going to the repair cafe next weekend, hopefully they can fix it for us 🤞

    The rooms sound ace, and good planning on only needing to update wall art and bedding when their tastes change, it will save you plenty of money in the future.
    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 
  • Those custom builds are incredible! Kudos to Red 
    Debt peaked Oct ‘22 £33313 
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