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

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  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I work 4 days a week and still can’t manage those kind of tasks. I do have my 2.5 year old to satisfy so not exactly the same but a 6 hour school day isn’t long enough to squeeze everything in! 
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    There’s just so much to do always, isn’t there! 

    Working in the office today. I’ve made food so no need to spend money at work. I will park in the Lidl car park at school so will pop in and buy some bread to qualify for the free parking, as we need that anyway. No other spending planned. Roll on Red’s payday on Friday! 

    Booked spa entry and treatment for my weekend away with my mum and sister as we all agreed this is what we will do on one of the days, but you don’t pay til the time. It’ll come from my personal pot (and luckily I get paid again before we go!). It will be £25 for the spa entry and £85 for the massage so quite a lot really. I’ve not had a massage since I had Bambi though so I will make sure to enjoy it! 

    Not sure I will make the step target today as it’s quite tricky when working in the office unless I make the time to go for a lunchtime walk, which depends on my workload. I usually only do so if someone else is going as well as it’s not a nice/attractive area for walking (run down industrial park) so feels like you need company or it’s pretty dull. So also depends on colleagues’ workloads. 

    Meal plan today:

    B - overnight oats with strawberries and banana - kids had toast, peanut butter and banana as in my sleepy haze I forgot I had made oats! They can have theirs tomorrow instead though! 

    L - feta couscous salad and a sliced apple for me / tomato & lentil soup with a hummus sandwich for the kids, with some sliced fruit & veg 

    D - meatball spaghetti and salad 
    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
  • zcrat41
    zcrat41 Posts: 1,799 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Your loaded eggs sounds delicious. 

    Spa sounds lovely. I do think that massages in hotels and spas have got extortionate. I paid £110 at the hydro earlier in the year. Have since found a local lad who does a whole body hour long experience for £42. Admittedly she rents a room in an office block so it isn’t quite the ambience of a spa but I said to DH last time I’d rather have a massage for £42 before we go and just enjoy the spa ambience next time rather than feeling disgruntled at spending nearly two quid a minute on a massage!! 
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    We’ve booked a holiday over Easter in Greece and I checked out the spa prices. 190euro for a 60 minute experience.  I could not believe it. 
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
  • fionaandphil
    fionaandphil Posts: 452 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Oh wow that is huge! I'm assuming you're giving that a miss?!
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Zcrat, that is where we are going 😅.

    Yes, spas are now super expensive though really not something I do often so I’m not going to stress about the cost too much. 

    Today’s mealplan:

    B - fat free Greek yog with fruit & maple syrup

    L - beans on wholemeal toast with some kind of fruit or veg on the side 

    D - beef chunky chilli and rice, probably with broccoli

    Need to do some school lunch batch cooking today. I don’t think I’ll make enough of the chunky chilli to be more than 1/2 lunches leftover but I think there is a small amount of mince in the freezer so I may dig that out and do a normal chilli this evening. And do some mac & cheese with broccoli. 

    Need to do weekend Tesco order too so will have a think about meals. 
    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
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 26 February at 9:45PM
    Meals worked out as posted. The kids had overnight oats for breakfast and tubs of pasta from the freezer for lunch (mac & cheese for one, bolognaise for the other). 

    Made a really nice chunky chilli for dinner with two leftover lunch portions. Going to take one to the office tomorrow and have added the other to the freezer lunches stash. Probably for Monkey as he LOVED the chilli for dinner.

    Also made some mac & cheese to top up the freezer but got the quantities wrong and only made 3 portions. Not a disaster, just if I’m going to make the effort and have to wash up etc, would have rather had a few extra portions to make it worth it! 

    Red has informed me that the joint account owes him £130 as he paid for the dinner out for his birthday. Which is right, but annoying as it’ll take us over budget for the month by about £100, he hadn’t mentioned it before so I just hadn’t factored it in. He gets paid Friday so I’m going to take it from next month’s budget instead of taking it out of savings. Means we need to be quite frugal next month but it should be easier now that Red’s birthday is out of the way!
    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
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I absolutely hate it when that happens. My husband often does it and tells me weeks after I’ve even reconciled and started a new month. Since we’ve switched from pots to YNAB it’s better I will say but it could still happen the same way. 

    Chili sounds so good 
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
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