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  • FIRST POST
    • MrsSave
    • By MrsSave 30th Jul 17, 7:22 AM
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    MrsSave
    Mrs S, family life and debt
    • #1
    • 30th Jul 17, 7:22 AM
    Mrs S, family life and debt 30th Jul 17 at 7:22 AM
    This is my 4th diary. I'll link the others in case anyone has absolutely nothing to do and fancies a read!

    Diary 1: MrsS is getting serious http://forums.moneysavingexpert.com/showthread.php?t=5045594

    Diary 2: Debt free before 35 http://forums.moneysavingexpert.com/showthread.php?t=5286098

    Diary 3: A pound stretching maternity
    http://forums.moneysavingexpert.com/showthread.php?t=5495440

    So, who is Mrs S?

    I'm in my mid early 30's and a mum to 2 lovely little boys. My second maternity leave is just coming to an end (sob). I'm a teacher but looking for a career change. I mentioned this career change back in diary 1, but I'm finally doing something about it. I have 2 job interviews next week and I'm still searching and applying for others.

    Debt

    I guess I wouldn't be starting a new diary if I didn't have any debts. Maternity leave and retraining has meant that the debt we had beforehand has increased. Significantly. I'm gutted, but from the retraining side, I just had to do it. Today, our debts stand at:

    Loan: 9,906.30
    Credit Card: 6,480.60

    We also have a mortgage of 92,720.52

    Excluding the mortgage, our current debt figure is 16,386.90. That's massive.

    So what are we doing about it?

    Not adding to it any more, that's to start! The problem is that a lot depends on whether I find work quickly. In an ideal world I will be working by September (even if it's something unrelated to what I actually want to do, as we need a second income).

    Using YNAB. I've used YNAB for a few years now, and love it. It's so clear in showing how much money we actually have, and splitting it between different pots.

    Paying 266.40 towards the loan every month, and around 65-70 towards the card. The card is a very recent balance transfer, so not 100% sure on exact figures yet, but 1% is the minimum balance. I'm not sure whether to stick with the minimum, or a set amount each month. The set amount won't be much higher than the minimum, but obviously won't decrease every month. Possibly 65 per month. That means we will be paying 331.40 towards our debt each month. At this rate it would take 50 months to clear. 4 years, 2 months.

    Budgeting and treats

    I allow treats. They're budgeted for. I would fall flat on my face if we weren't allowed our treats. We do have little breaks away sometimes (not abroad, we haven't been abroad since our honeymoon). We save for them, though and pay with the money we have and not add to the debt. We have the odd takeaway and meal out, we have days out. I treat the boys on their birthdays and Christmas. I have this year started paying into Park for Vouchers in time for Christmas. I've budgeted for that every month.

    We put money into our car pot each month for the MOT and any extras it needs. Our car is 12 years old, and up until recently hasn't needed anything doing to it. A couple of little things are starting to need changing now so I'm hoping we'll have a few more years before the car get sorted too expensive. I do love my car! It's nothing special, not fancy and was cheap to buy with low mileage (we've had the car about 5 years).

    Right, I've probably bored anyone who's reading this enough for a first 'All about me' post.
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
Page 27
    • MrsSave
    • By MrsSave 28th Mar 18, 8:06 PM
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    MrsSave
    I think those grocery shops are good going Mrs S - does that include 'household things' as well as food?

    My food for March is looking to be about 170 and household (which includes nappies, cat litter, cat food and some 1 off expenses' ) about 80.

    I'd love to get it even lower but hubby does not believe it's food unless there is meat on the plate so that reduces the option of cheaper, meat free meals.
    Originally posted by wishingthemortgaheaway
    Yes, it includes all household things (cleaning products, nappies, wipes, etc) as well as wine It's very, very rare for me to eat a meal without meat as well!!
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 28th Mar 18, 9:43 PM
    • 1,221 Posts
    • 5,594 Thanks
    wishingthemortgaheaway
    Yes, it includes all household things (cleaning products, nappies, wipes, etc) as well as wine It's very, very rare for me to eat a meal without meat as well!!
    Originally posted by MrsSave
    How about a little challenge between us? Under 60 a week for groceries & houshold in April?
    I'm not going to include 'one off' things in this though. So, in March 'one off houshold goods purchases were':
    Spare set of keys cut
    Proving basket for sourdough.

    Do you accept the challenge?
    The 100 payment countdown (each payment = 400) 2018 Starts at 13/100 o/s 34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1400ish/2,500
    • MrsSave
    • By MrsSave 28th Mar 18, 9:51 PM
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    • 4,772 Thanks
    MrsSave
    Payday tomorrow I've budgeted for April, just waiting for the money to hit the account so that it can be transferred.

    There's one more school day until ds1 breaks up for Easter. I've put some money to one side for holiday activities. We've got a busy weekend planned, but nothing too expensive (hopefully). I'm going to do an Easter egg hunt here, and have already bought a few eggs for it.

    I need to meal plan for next week. It's so difficult, though, with not knowing where we'll be because of the holidays. I'm really aiming to stick to my eating plan as much as I can and keep losing weight!!!
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 28th Mar 18, 9:53 PM
    • 1,472 Posts
    • 4,772 Thanks
    MrsSave
    How about a little challenge between us? Under 60 a week for groceries & houshold in April?
    I'm not going to include 'one off' things in this though. So, in March 'one off houshold goods purchases were':
    Spare set of keys cut
    Proving basket for sourdough.

    Do you accept the challenge?
    Originally posted by wishingthemortgaheaway
    That sounds like a fab challenge. I'm definitely up for that!!
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 29th Mar 18, 6:50 AM
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    • 4,772 Thanks
    MrsSave
    I've been paid so have transferred money to the correct accounts. I've also paid ds1's next batch of swimming lessons and made a small overpayment to the mortgage Once I've budgeted for the month, what ever round number is left goes to savings and the odd pounds and pence go towards a mortgage overpayment. This was 9.77 today, so not a huge life changing, paying off the mortgage 10 years early amount, but a start.

    One more day of work, then see whether I've lost any weight and then 5 days off Work is super busy at the moment though, and we are short staffed due to sickness which means today should fly by!!! I was planning on going in early, but have so far spent half an hour on finances
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 29th Mar 18, 10:15 PM
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    • 4,772 Thanks
    MrsSave
    5 days off

    I lost 2lbs this week which makes a total of 8lbs in 4 weeks. I'm pretty happy with that. Still quite a bit more to go but it's definitely going the right way!!!

    I had an email from mse cheap energy club to say that my cashback for switching energy suppliers has gone through, but may take a little longer to reach the bank account. The 25 will hit the account next week hopefully. I'm trying to decide what to do with it. I'm thinking partly savings, partly mortgage overpayment and partly in my personal account. 10 in savings and my account, 5 towards the mortgage. I then feel guilty because it's not going towards the boys, but I know that I budget plenty for them each month so they never go without, if things are tight, the first place the money comes from is my personal Spends!!

    I popped into Tesco earlier to pick up a couple of 'picnic' type bits. We've got a few days out planned over the Easter holidays, and it will be far cheaper to take along food. That money is coming out of the Easter days out pot that I've put some money aside for.
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 31st Mar 18, 7:27 AM
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    • 4,772 Thanks
    MrsSave
    We had our first Easter Day out yesterday. We took a picnic (and ate in the car) and spent the afternoon following clues to find letters to make a word. It was great fun, ds1 won an Easter egg and we did lots of walking and had plenty of fresh air. We ended up spending 15 (2 on parking, 3 on the hunt, 6 on a train ride for us all and 4 on 2 ice creams).

    We're going to a fun day this afternoon so will eat lunch at home first. It's free entry but I'm sure it will be easy to spend money on rides etc there. We'll give the boys a set amount of money and stick with that. I need to get ds2's feet measured (again!!) so will see if we can fit that in today as well.
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • debtaghh
    • By debtaghh 31st Mar 18, 7:52 AM
    • 1,187 Posts
    • 3,512 Thanks
    debtaghh
    Well done on the weight loss.
    Debt 16th October 2017: Cc 49,987- family 37,561: total debt 87549

    Current debt: Cc 42,775 , Family 39,608 total debt 82,383

    Frugal living challenge # 10- 8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • MrsSave
    • By MrsSave 3rd Apr 18, 8:01 AM
    • 1,472 Posts
    • 4,772 Thanks
    MrsSave
    On Saturday we gave ds1 a budget of 4 rides (1.50 each) and he was fab. He stood in the middle of everything, looked around at all the rides, and made his decision. Ds2 was too small for them, next year it's going to cost quite a bit more. We did get ds2's feet measured, and they had grown. 34 on shoes for him!! We picked up supermarket pizzas for dinner (4 in total) so minus the shoes we spent 10.

    Easter Sunday was a nsd (they're very rare at the moment). I sorted an Easter egg hunt for the boys ready for when they woke, we had a massive roast dinner and then the boys had a birthday party. Yesterday we were out again so had another picnic in the car. We visited 2 museums (1 free and 1 we had to pay - 14). We did then eat out in the evening, and that came to about 44. I have budgeted 60 for the Easter break, mr S has given the same amount and we do still have a little left

    We're all off again today, but going to have a quiet morning and lunch at home and then take the boys out with their bikes/trike this afternoon. Should be a nsd (unless an ice cream is bought!).

    I did my food shop yesterday. I spent 42.23 in Aldi and then 7.03 in Tesco. 49.26 for the big shop so I have about a tenner left over for the fruit and milk top up.

    It's back to work tomorrow after a very full on, fun weekend.

    I've received my 25 for switching energy suppliers. 10 has gone to savings, 10 is in my account and 5 has gone as a mortgage overpayment. I've overpaid by just over 15 this month, which isn't loads but a start!
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Apr 18, 6:53 PM
    • 1,221 Posts
    • 5,594 Thanks
    wishingthemortgaheaway
    Evening Mrs S, just checking in with our 60 a week challenge. I've been shopping today for this coming week. I was planning on going tomorrow, but have decided to go out for the day with Pickle, so, after 2 week's shopping done, groceries & household goods stands at 92.14 so, technically 46.07 a week, but I may end up with this being a 4.5 or 5 week month. So I think might not be as good as it looks.
    The 100 payment countdown (each payment = 400) 2018 Starts at 13/100 o/s 34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1400ish/2,500
    • MrsSave
    • By MrsSave 8th Apr 18, 9:24 PM
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    • 4,772 Thanks
    MrsSave
    Wishingthemortgage I've kind of cheated (if you can call it that) this week!! My mum was with me when I did my top up shop, and paid for it!! That means this week I actually spent just over 49, but would have been almost 60 if I'd have paid for the top up. Food shopping again tomorrow, but I have quite a lot in so shouldn't be too expensive (famous last words!!). This is a 5 week month for me, which I don't like!! You're doing well!

    Things are still so up and down here. More people with their opinions. I'm actually really surprised by who it was this time, and the public way she has gone about slating me. Even Mr S is totally unimpressed and told her she was out of order. She couldn't explain to him why she did it, but just cried and cried I'm quite amazed at how many people are so fast to turn their backs on you, and are happy to start/spread untrue things.

    The positive of this is my weight loss I lost 4lbs this week, which means I've now lost 12lbs in total. It's definitely going the correct way, but I can't wait now to start seeing some results.

    I took ds1 to the cinema this afternoon to see Peter Rabbit. We both really enjoyed it, but it did cost almost 21 for 2 tickets, and the kiddies snack box for him. I'd made a roast at lunch time, so thankfully I didn't want anything!!

    I really need to get my head back into housework this week. I need to sort through all the toys, and need to put away a load of clothes. I have hoovered downstairs and the stairs this weekend, and given the kitchen a pretty decent sort out, but I do feel things slip and get on top of me sometimes. I need to get back to making lists - I was writing a 'chore' list for myself every weekend with tasks I aimed to do by the following weekend. Marking off the chores one by one was a great incentive to do more!! I'll make a list tomorrow for this coming week.
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • debtaghh
    • By debtaghh 8th Apr 18, 9:28 PM
    • 1,187 Posts
    • 3,512 Thanks
    debtaghh
    Well done on the weight loss, that's great!
    Debt 16th October 2017: Cc 49,987- family 37,561: total debt 87549

    Current debt: Cc 42,775 , Family 39,608 total debt 82,383

    Frugal living challenge # 10- 8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • MrsSave
    • By MrsSave 8th Apr 18, 9:30 PM
    • 1,472 Posts
    • 4,772 Thanks
    MrsSave
    Well done on the weight loss, that's great!
    Originally posted by debtaghh
    Thank you How are you getting on? (I hope I'm right that you were losing a few pounds too!). Are you following a plan, or just cutting back?
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • debtaghh
    • By debtaghh 8th Apr 18, 9:31 PM
    • 1,187 Posts
    • 3,512 Thanks
    debtaghh
    I've lost a few pounds but need to try harder! I'm just trying to cut back on my calorie intake.
    Debt 16th October 2017: Cc 49,987- family 37,561: total debt 87549

    Current debt: Cc 42,775 , Family 39,608 total debt 82,383

    Frugal living challenge # 10- 8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • MrsSave
    • By MrsSave 8th Apr 18, 9:35 PM
    • 1,472 Posts
    • 4,772 Thanks
    MrsSave
    It is so easy to let things slip. My downfall is after the boys are in bed. I can snack for Wales then Add a glass of wine to the snacking and I've then over eaten!!
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • debtaghh
    • By debtaghh 8th Apr 18, 9:45 PM
    • 1,187 Posts
    • 3,512 Thanks
    debtaghh
    The evenings are my downfall too.
    Debt 16th October 2017: Cc 49,987- family 37,561: total debt 87549

    Current debt: Cc 42,775 , Family 39,608 total debt 82,383

    Frugal living challenge # 10- 8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • MrsSave
    • By MrsSave 9th Apr 18, 9:56 PM
    • 1,472 Posts
    • 4,772 Thanks
    MrsSave
    Food shopping done today. Between Aldi and Tesco I spent 51.85. I'm not sure if I'll need a top up shop this week as I'm away for work Friday and Saturday. I will need to take lunch on the train, and buy something for the journey back (it's over 5 hours each way - boring!!).

    I spent all afternoon in the garden with the boys. It has been such a lovely day, and they really enjoyed having the opportunity to play outside for hours! I then made our own chicken nuggets with ds1 for dinner and served them with homemade wedges and veg. Pretty simple, relatively healthy but the boys really enjoyed them.

    I didn't write my cleaning list. But, I have swept the kitchen floor, and then hoovered the whole of downstairs (I need to invest in a door mat to put outside the patio door!!!). We're visiting family tomorrow for the day. It's a good hour and a half away, but I think my mum has decided to drive which will save on petrol!! It should mean that tomorrow will be a nsd!
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 11th Apr 18, 9:53 PM
    • 1,472 Posts
    • 4,772 Thanks
    MrsSave
    Visiting family didn't work out - the other household woke up to chicken pox! My eldest has had it, but ds2 hasn't. I know it's better for them to have it young, but not now!!!!! We ended up out for the day instead. My mum paid. She's very giving in that sense. Pays for things the majority of the time. She says she enjoys doing it now she can, as she remembers how tight things were when she was my age raising children. I am so grateful, it's such a massive help and means we can do more than I'd be able to afford otherwise.

    Today and yesterday have both been a nsd (other than bills, but I can't do much about them so I don't count them!). Tomorrow will be different, though. I need to pay for another set of slimming classes (I pay for 6 at a time) and I also need to pick up some food for Friday's train journey.

    I still haven't managed my cleaning list, but I have made a massive dent in the ironing basket tonight. It was overflowing, and I managed over half!!! I also had a load of clothes to put away, and I've given the kitchen a good clean. Ds1 is back in school next week (and I've got the week off work ) so I'm hoping I'll be slightly more organised.

    I came up to bed early tonight to write next week's meal plan. I've ended up spending most of the last hour browsing the web! Meal plan still to do!!!
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • kerron7
    • By kerron7 12th Apr 18, 4:36 PM
    • 249 Posts
    • 421 Thanks
    kerron7
    Well done on the weight loss, I'm struggling since breaking up for Easter back on it Monday.

    Washing is the bane of my life, especially with this rain my basket is never empty for longer than a minute.
    25.02.17 - 20,810.73
    03.06.17 - 19,222.94
    05.04.18 - 18,118.08

    Emergency Fund - 1/500
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