In addition I have had to get my son assessed thinking it may be dysgraphia or adhd but actually ended up dyslexia and Irlens! This has taken up a lot of time and money as we funded it all ourselves!
Long story short I have been carrying on with the money saving, penny pinching! I have set a retirement target amount and am currently at about 7.5% of it saved!!! That as it stands gives us 15 more years of work! Erg that's about 5 years more than I wanted!
So it's refocus time in the stretch your pennies household with the aim for mortgage free and able to retire in 10 years.
First I'm thinking, a declutter and a go at the dreaded eBay! God I hate eBay!