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

18990919294

Comments

  • KajiKita
    KajiKita Posts: 8,803 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Fair enough. Is he contributing in other ways - reading stories to the children, helping with chores etc.?

    KK
    As at 15.11.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 71 books of target 52 in 2025, as @ 1st December 
    Produce tracker: £442 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. 
  • KajiKita
    KajiKita Posts: 8,803 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I can imagine the intrusion but I also respect and honour your generosity of heart in supporting him at such a hard time. Glad he’s pitching in where he can 😊

    KK
    As at 15.11.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 71 books of target 52 in 2025, as @ 1st December 
    Produce tracker: £442 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. 
  • beanielou
    beanielou Posts: 97,215 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good to hear from you. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou
    beanielou Posts: 97,215 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Such lovely values to teach your kids. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Baileys_Babe
    Baileys_Babe Posts: 6,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Lovely to hear from you @Bluegreen143 It sounds like the last few months have been very busy but lots of great memories being made.

    Does Bambi go to Scouts, guessing Beavers really for her age as well as Rainbows? My daughter did both when she was younger but left Guiding at 14, she has continued going with Scouting and is going to Denmark with them next year.

    I'm guessing having BIL living with you can and will cause issues at times, but it is good you and Red felt able to support him in such a way, as well as the children seeing you living by your values. We too have opened up our home in the past to various family and friends, for variety of reasons and varying lengths of time and frequency.
    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 
  • Four_Seasons
    Four_Seasons Posts: 932 Forumite
    Sixth Anniversary 500 Posts
    Now it feels like Christmas is coming you are making the childrens Pjs 😊xx
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