Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • MrsSave
    • By MrsSave 19th May 18, 9:45 PM
    • 1,648Posts
    • 5,344Thanks
    MrsSave
    Mrs S.....life after debt
    • #1
    • 19th May 18, 9:45 PM
    Mrs S.....life after debt 19th May 18 at 9:45 PM
    I've been on here for 4 years now (I think I actually had another name before so it's actually longer). If you're super bored, here are my diaries so far!

    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

    Diary 4: Mrs S, family life and debt
    https://forums.moneysavingexpert.com/showthread.php?t=5687273

    So, why the new diary I hear you ask...

    In February I was super lucky to be able to pay off the last of my debt (other than the mortgage). I am now finding it difficult to stick to budget and save! I keep trying to remind myself that I'm not a multi millionaire and can't buy what I want, when I want.

    A little about me

    I'm now 34. I have 2 boys, one 4 year old and the littlest is a year and a half. I changed careers last year from teaching to becoming a finance assistant (the irony ). I now work 3 days a week, earn a lot less but am a million times happier (still not managing to keep on top of the housework though ).

    Mr and Mrs S???? That's the million dollar question! We separated right at the beginning of the year. Things have been totally up and down since. We have started getting on so much better and are trying counselling (and that's not cheap!). As things are going, it's looking positive that Mr S will be moving back in, but as they say.....don't count your chickens!

    My financial situation

    Other than the mortgage I am debt free. I will post an soa later, but I am really struggling to stick to a budget each month. I guess I always thought that the day me debt would disappear I'd have so much more spare each month. That's not the case!! I am starting to pay more bills annually instead of monthly, and am managing to save for things like Christmas and birthdays. It's day to day spends that are the struggle, such as groceries, entertainment, the boys and personal spends. I really need to get a grip on these.

    I've seen other diaries where targets are posted daily/weekly and that seems like such a good idea. I'm going to give this a go.

    Another issue is saving. I am not saving what I should (some months I'm not 'saving' anything - unless you count things such as birthdays). I'm going to try and fix that. I do have an emergency fund of 2,000 in Premium Bonds (haven't won a penny with them ), and just over 150 in another savings account (My priority savings goal is for a new shed, I have around 50% of the roof left on mine ).

    I don't want this first post to be super long (though be prepared, there will be some ). My next steps are to sort out my SOA and set some goals from there.
    Finally debt free (other than the mortgage) - 05/02/18
    2019 Mortgage Overpayment: 91.09/520
    Check out my debt free diary 'Mrs S.....life after debt' below:
Page 8
    • MrsSave
    • By MrsSave 19th Oct 18, 9:41 AM
    • 1,648 Posts
    • 5,344 Thanks
    MrsSave
    The joys of unexpected expenses. 200 worth this week

    The positive is that I have managed to jiggle things around in YNAB so that I can pay it without touching my savings. Super happy about that. It means pulling my belt in a little more (feels like the story of my life ) but I am genuinely happy that my finances are ok to the point I've managed to deal with this.

    I'm not sure if I've mentioned that I'm also getting a pay rise in work. Not a huge one, but an increase nonetheless. It has already been spent though Ds1 has been having swimming lessons since he was very young so we've now decided to start ds2 swimming. My pay rise is mainly going to pay for his lessons (there should be a little left over afterwards!).

    I've had a good shot at Christmas shopping this week. I decided to make the most of my week off and go for it. It's really nice knowing that the money has been saved during the year so no trying to find money to cover things. All I have to think about is sticking to budgets I've left a chunk of money in both boys' budgets, as I know that on the run up to Christmas, ds1 especially will see things he likes and I want to make sure that he does get something that he will write on his final Father Christmas list.

    I've also picked up things like their Christmas jumpers, christmas pjs and a Winter coat each (all from Asda).

    My plan for today is to have a proper chill out and enjoy my child free, chore free and shopping free day off. Up early tomorrow for a weigh in (I lost half a stone last week - I'm amazed!) and then I'm taking the boys shopping for a few Halloween bits (it's budgeted for!).
    Finally debt free (other than the mortgage) - 05/02/18
    2019 Mortgage Overpayment: 91.09/520
    Check out my debt free diary 'Mrs S.....life after debt' below:
    • MrsSave
    • By MrsSave 4th Dec 18, 9:45 PM
    • 1,648 Posts
    • 5,344 Thanks
    MrsSave
    Almost 2 months since my last post!! Where has that time gone. I've actually spent a lot of it in hotel rooms, I've started travelling more and more for work. I've spent 7 of the last 14 days in 4 different hotel rooms!! The one I'm in tonight and tomorrow is definitely a plus though, I struck lucky!!!

    The last 2 months have also been emotionally draining. My dad has spent 4 weeks in hospital and ds2 also decided to pay a visit. Thankfully ds2 bounced back pretty quickly, 4 weeks on my dad is thankfully starting to improve.

    Once I get back from this break away, I have no more work trips away until the new year. That's good news as I really need to catch up with office work before the Christmas break.

    Money wise, things aren't brilliant, but they aren't awful either. I think I'll always wish that they are better but can always see that the could be far worse. I mentioned a little pay rise in my last post, there's talk of another by the end of January. Nothing is guaranteed, but I'm super happy that there's even talk of it. Don't get me wrong, I'm far from earning big bucks now, but every little payrise means that extra little bit each month which I'm so amazed at!!!

    Christmas is under control, and was thankfully saved up for during the year. It's also ds2's birthday very soon which has also been saved up for. I've looked at and adjusted my budget for 2019 so I'm hoping it will be a good year!!!
    Finally debt free (other than the mortgage) - 05/02/18
    2019 Mortgage Overpayment: 91.09/520
    Check out my debt free diary 'Mrs S.....life after debt' below:
    • debtaghh
    • By debtaghh 4th Dec 18, 9:58 PM
    • 1,577 Posts
    • 5,981 Thanks
    debtaghh
    I was wondering where you had gone.

    Sorry to hear about your dad and ds2 x
    • debtaghh
    • By debtaghh 4th Jan 19, 4:58 PM
    • 1,577 Posts
    • 5,981 Thanks
    debtaghh
    Hope all is well Mrs Save x
    • MrsSave
    • By MrsSave 13th Jan 19, 9:15 PM
    • 1,648 Posts
    • 5,344 Thanks
    MrsSave
    Thank you for checking in Debtaghh

    We're 2 weeks into the new year and things seem to be going pretty well I know how quickly things can change, though, so I'm just counting my blessings. Another 3 weeks and I will have been debt free for a whole year. That just feels so amazing. I won't lie and say it's so straight forward staying debt free once you're out of it, I think it will always be a struggle as I'm a spender by nature, but I feel far more in control of things at the moment.

    I did receive the pay rise I mentioned in my last post (will see it in my pay at the end of the month). I also had a Christmas bonus and I've increased my hours a little, but to be worked from home whenever suits me rather than going in to the office. I'm looking forward to my wages at the end of the month to see what the pay rise and extra hours will mean.

    I'm really pleased that where I work don't pay early in December so I feel on track with January's budgeting. It's a 5 week food shop month so I'm going to have to be very careful from here until February, but it's definitely do-able.

    I think other than that life is just plodding along! All pre-Christmas illnesses are all in the process of being put right. Things are going really well with Mr S (well, we didn't kill each other over Christmas ) and I've only got 3 days in work (and a couple of hours at home) to do before I have another week off
    Finally debt free (other than the mortgage) - 05/02/18
    2019 Mortgage Overpayment: 91.09/520
    Check out my debt free diary 'Mrs S.....life after debt' below:
    • MrsSave
    • By MrsSave 19th Jan 19, 9:46 AM
    • 1,648 Posts
    • 5,344 Thanks
    MrsSave
    Check me out.....checking in twice within a week

    I have started dedicating 30 minutes or so every Saturday morning to checking through our finances and making sure everything balances on YNAB, etc. I have also started skimming the accounts and moving the excess to the mortgage overpayment account. I'm trying to over pay the mortgage by a little every Saturday morning. So far this month I've managed to overpay by just under 40 so I'm happy with how that's going. Obviously the more the better (within the limit!) but I paid 0 in December so an improvement!

    I've got 2 more food shops to do by the end of the month and 79 in the pot. That should be perfectly do-able (will be Aldi shopping instead of Tesco) but will mean keeping an eye on it and not throwing in the odd treat. I've also got 29 left in the entertainment/fun spends to last until the end of the month. Usually by this point of the month I'm moving money around the categories to cover overspends....yay for January

    I do need to fill up the car with petrol, which I'll do later. I have 49 left in that pot which should see me through to the end of the month. I am travelling for work right at the end of the month, but I have allocated a pot on YNAB for work expenses which has 50 in it, and when I get reimbursed I'll top it back up to 50.

    I think that pretty much sums up where I am at the moment......I've managed to change another insurance from monthly to annual which is a little saving. The monthly ones I have left now are car insurance and car tax. My car insurance is due for renewal in October next so it would be great to be able to pay that in full by then and then I'll look at car tax in 2020.

    I'm cancelling sky at some point over the next week so another nice saving there. I have started paying for netflix at 7.99 a month, but will be saving 24.50 ish from sky so the overall saving will be 16.50 ish a month. I'm determined to get these bills down as low as I can which leaves more for enjoying and saving. We'll get there.

    Right......I now have a week off so I may treat myself to a book (or head to the library for one) and have a bit of me time!!

    Have a great weekend
    Finally debt free (other than the mortgage) - 05/02/18
    2019 Mortgage Overpayment: 91.09/520
    Check out my debt free diary 'Mrs S.....life after debt' below:
    • Homegrown0
    • By Homegrown0 19th Jan 19, 9:58 AM
    • 781 Posts
    • 4,034 Thanks
    Homegrown0
    Looks like you're in a good place Mrs S! Well done on all the bills savings and pots in tact.
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • MrsSave
    • By MrsSave 27th Jan 19, 10:21 AM
    • 1,648 Posts
    • 5,344 Thanks
    MrsSave
    Week Tuesday I will have been debt free for a whole year

    I planned to put 40 in my car last week which would leave a 9 emergency buffer. Of course I ended up putting in 40.01.......I can never stop at the exact penny I want

    One more food shop to go this month, and I have around 35 left. I'm doing a Tesco click and collect (they're allowing 25 instead of 40 for a couple of week as a minimum basket before paying the 4 charge) so I'm hoping to come in under budget.

    We're down to the last few in the 'fun' spends, but I'm sure that will last until Thursday! We've actually eaten out quite a bit this month so I'm hoping to cut back a little in February (though it has all been within budget, it would be nice to have some money leftover!!).

    I have cancelled sky. We still have it until the middle of February, but haven't switched it on for 2 weeks now. We're watching plenty of Netflix and Freeview though!!

    I hope everyone has a lovely Sunday
    Finally debt free (other than the mortgage) - 05/02/18
    2019 Mortgage Overpayment: 91.09/520
    Check out my debt free diary 'Mrs S.....life after debt' below:
    • MrsSave
    • By MrsSave 6th Feb 19, 8:14 PM
    • 1,648 Posts
    • 5,344 Thanks
    MrsSave
    My 1 year debt free Anniversary was yesterday and I forgot until now

    January payday came and went. I managed to stick to both the food and spends budget for January

    I'm in a major de-cluttering mood here, and nothing is safe!!! I have a load of clothes thrown onto the landing to be sorted now between eBay and the charity shop. I'll hopefully make a few from the eBay bits which I'll split between our mortgage overpayment and savings to redecorate ds1's room.

    I can't remember if I mentioned (and can't be bothered to go back and read through ) but my hours in work have increased and I'm doing the extra from home. So far so good, but I think I need to work out a proper schedule for myself. I try to squeeze too much in on my 2 days 'off' and end up shattered by the end. I fell asleep on the sofa at 7:30 last night and went to bed just after 8. I'm already in bed typing this tonight. I use my 2 days off to spend time with ds2, do the food shop, clean the whole house, fit in any appointments (dentist this week), complete any other 'admin' home tasks, empty the laundry basket and do the bedclothes/towels etc, and do half a day paid work. It's all a bit too much!!! I shouldn't complain......I'm lucky I get that time at home with ds2.....it's just I need to come up with a schedule that works better!!!

    Wow, that turned into a bit of a moan........wasn't expecting that Right, a bit of diary reading and then an early night here.
    Finally debt free (other than the mortgage) - 05/02/18
    2019 Mortgage Overpayment: 91.09/520
    Check out my debt free diary 'Mrs S.....life after debt' below:
    • debtaghh
    • By debtaghh 6th Feb 19, 8:24 PM
    • 1,577 Posts
    • 5,981 Thanks
    debtaghh
    Congratulations on the one year anniversary. How are you and mr save getting on ( hope you don't mind me asking)
    4th January 2019 53,900 ( including Next and Very)



    Current debt- 22/01/19-53, 573, 20/02/19- 47,894
    • MrsSave
    • By MrsSave 6th Feb 19, 8:28 PM
    • 1,648 Posts
    • 5,344 Thanks
    MrsSave
    Congratulations on the one year anniversary. How are you and mr save getting on ( hope you don't mind me asking)
    Originally posted by debtaghh
    I don't mind you asking at all. Things are good. We've decided to give things another go so are trying to find our feet and work out who is responsible for that. I think that's a lot of my problem now, I had to do everything in the house and it's hard to break the habit.
    Finally debt free (other than the mortgage) - 05/02/18
    2019 Mortgage Overpayment: 91.09/520
    Check out my debt free diary 'Mrs S.....life after debt' below:
    • debtaghh
    • By debtaghh 6th Feb 19, 8:33 PM
    • 1,577 Posts
    • 5,981 Thanks
    debtaghh
    Glad to hear that things are going well x
    4th January 2019 53,900 ( including Next and Very)



    Current debt- 22/01/19-53, 573, 20/02/19- 47,894
    • MrsSave
    • By MrsSave 9th Feb 19, 7:59 AM
    • 1,648 Posts
    • 5,344 Thanks
    MrsSave
    Good morning. Weekend at last!! It's been an absolutely mad week at work. The positive is that it goes far quicker when I'm busy!! I've reconciled all my accounts on YNAB this morning and have done my weekly category skim. I'm not sure if I've mentioned that I now do this (every Saturday morning). My YNAB categories such as clothes, food, petrol, celebrations I skim each week down to either the nearest 1 or 5 (depending on the category, how much is in it and how much of the month is left!) and send that money to my mortgage overpayment category. I then make a small overpayment to my mortgage each week. Also, I send half of any extra money made during the week to the mortgage as well (other half to savings). Some weeks it can be tiny (was 2 something a couple of weeks ago), one week it was more than 20. Today it was 7 something. I don't miss the money at all, and if I can continue at the rate I have so far this year I will knock nearly 2 years off my mortgage (according to the MSE mortgage overpayment calculator).

    I've written out my meal plan for next week this morning (except for Thursday, I can't decide what we're going to eat!! I'm going to browse slow cooker recipes as it's a work day). I discussed our cleaning tasks with Mr S yesterday and he has agreed to take on more tasks. He is now tasked with dusting and vacuuming the bedrooms (as well as sorting the bins and washing up!). He does do most of the ironing as well (I can't stand ironing) but we try to get away with ironing the least possible amounts of clothes!! I'm hoping that will take a bit of the pressure off.

    I need a major bedroom sort out this weekend. I started de-cluttering our bedroom last weekend so will spend this weekend finishing it off. I actually managed to free up 2 drawers in the process! I've got a load of clothes to either take to a charity shop or list on ebay so I need to go through them and decide which go to where. I'll hopefully make a few with the ones on ebay which will be fab (more for the mortgage!!).

    Right, I'm off to look up slow cooker recipes for inspiration. Have a good weekend
    Finally debt free (other than the mortgage) - 05/02/18
    2019 Mortgage Overpayment: 91.09/520
    Check out my debt free diary 'Mrs S.....life after debt' below:
    • MrsSave
    • By MrsSave 16th Feb 19, 8:37 AM
    • 1,648 Posts
    • 5,344 Thanks
    MrsSave
    Saturday morning again!! I've made another mortgage overpayment This week I've set up a standing order for Premium Bonds. Only for 25 a month, but it's extra savings each month. I know Premium Bonds aren't the best way of saving, and I do have savings elsewhere too, but I am planning on winning the million pounds at some point

    Money is disappearing this month. We've spent over 75 in eating out and takeaways. That's not great and we're only half way through February. We still have some money left in the fun account, but not loads!! I have a few bits I want to sell (eBay and Facebook) so I may use any money I make (if I make any) to top up that account a bit!!
    Finally debt free (other than the mortgage) - 05/02/18
    2019 Mortgage Overpayment: 91.09/520
    Check out my debt free diary 'Mrs S.....life after debt' below:
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

33Posts Today

2,999Users online

Martin's Twitter