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

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  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 22 January at 1:14PM
    The food police isn’t a thing here, I know from talking to other parents that some of their peers take chocolate, biscuits, crisps etc daily. The school encourage a healthy snack or packed lunch but the choice is left to us. I have myself sent the odd bag of crisps and leftover birthday cake in upon the very rare occasion. Just nuts which aren’t allowed. Luckily my own kids don’t have any allergies and aren’t terribly picky.
    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
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    Total joint pension savings: £55,425
  • fionaandphil
    fionaandphil Posts: 452 Forumite
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    Stay safe blugreen, hope you and the family are all safely tucked up at home
  • BalanceBy50
    BalanceBy50 Posts: 486 Forumite
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    Just delurking to say that pack up looks lovely. My son (9) does sometimes bring food home as they keep it in a warm classroom & he doesn’t like it if it’s gone ‘sweaty’ his words 😂 also he doesn’t always eat it as he says he hasn’t enough time so will leave the healthier bits! Not sure if anyone has mentioned pastry pinwheels or home made sausages as an alternative too. 

    We never have leftovers in our house (12 & 9yr old boys with huge appetites like their dad!) but I always portion a tubful up for my husband to have for his lunch next day whilst dishing up so I must automatically cook for 5 people 😂. I work in a school & the amount of waste is unbelievable & quite sad. Children must be starving at the end of the day. My son rarely has school dinners as they make them sit in choice order at his school and most of his friends have pack ups and as he wants to sit with them he also has pack ups. I have adopted the mentality that it’s solely my job to ensure my boys have adequate f&v in their diet ‘cos they certainly don’t get it at school! 

    Your diary is very inspirational & thought provoking. Please can I have your hummus recipe. I love the stuff but can’t make it for toffee, also can’t take it into work as we now have a chickpea allergy in school! So allergies do change in school. Back to de-lurking now 😁 x
  • dawnybabes
    dawnybabes Posts: 3,368 Forumite
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    When my DS took lunches in I’d batch make jelly, rice pudding, fruit pots, veg pots on a Sunday for the week and just grabbed one each day.  We also did wraps/sandwiches that I froze - tuna, ham and cheese etc that we grabbed and it kept his lunchbox cool,  I also poured out fresh orange juice into little reusable cartons. 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Floss
    Floss Posts: 9,026 Forumite
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    If you have a dehydrator or air fryer, you could make fruit leathers for your children. So Bambi could have her fruit roll-ups!
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  • fionaandphil
    fionaandphil Posts: 452 Forumite
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    Super impressive lunches, busy day 😀
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Afternoon all!

    Just been looking at YNAB - we are obviously approaching the end of the month.

    The two main categories I am keeping an eye on (because they are both variable) are our Family Wants and Grocery categories.

    At the start of the month I allocated £250 into our Family pot, and I think I popped around £60 into a category labelled Misc, which I later combined with the Family Wants pot. So I should have had around £310. And I was hoping to cut this to under £300 in future months (in fact at one point I was considering making it £275).

    However.... we actually spent £405 this month 🫢. So considerably over budget. Breakdown as follows:

    Gifts - a whopping £180*
    Outings - £53.75 (cinema trip and swimming entry)
    Pocket money - £35
    Kids' bedding - £28
    Packed lunch thermoses/lunchbags/food tubs - £63.67
    Bulk order 5 boxes printer paper & whiteboard markers - £26.45
    Misc/unidentified - £17.74

    *We do have a lot of family birthdays in Jan/Feb, including my MIL, and the kids have been invited to tons of birthday parties too just now. 

    Onto Groceries - budget of £650 and miraculously we are bang on track, having spent £575, with £75 left in the pot - we have a shopping of around £70 being delivered on Friday so it'll all be spent in the end.

    So some success and some failure this first month.

    I have managed to pull the overspend from other pots, so thankfully our savings goals are all intact and where they are meant to be. It would have been demoralising to dip into those the very first month of trying to prioritise them!

    Food

    Packed lunches are so far a big success - the kids took baked beans with cheese on top in their flasks today, with wholemeal pittas, carrot/cucumber sticks, and a big tub of fruit each. So a nice, cheap but healthy, option. 

    For dinner today we had chorizo/pepper/green bean pasta with feta on top and I have a tub left for my own lunch tomorrow. Monkey was after it for his own lunch but as there was only one portion left I've nabbed it for myself and he can take in some of the Mexican salsa beef rice from the freezer. Bambi has requested the bolognaise from the freezer which is fine.

    Planned dinner for tomorrow is hummus & falafel wraps with salad, and I bought an extra pack of falafel so hopefully the kids can have falafel & hummus wraps for lunch on Friday too. And then we have our shopping coming Friday afternoon which is good, as we are just about out of such essential staples as onions!
    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
  • KajiKita
    KajiKita Posts: 7,752 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    So the bedding is a one off? I would be tempted to count that as a household / DIY spend if I were defining that. The thermoses, lunch boxes etc are also one offs. And the printer paper will last a while! 😉

    The large number birthdays in January is a tough one coming straight after Christmas. Is there any way of building up the January pot in the last three months of the previous year, so October, November, December this year? (I’m not sure if YNAB works like that though.)

    Well done on the packed lunches. Sounds like the littlies are really engaged with it 😊❤️

    KK


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