Put those purses down and enjoy an austere August instead(226 Posts)
A new thread to support those wishing to rein back their spending - come one, come all.
I'm in! Seem to have been spending money like water recently finishing our kitchen and garden DIY projects so will find this useful to get back on track and saving for our next holiday. £30.00 at the butchers today, but included a huge leg of lamb and eggs for a roast/pavolova dinner of 10 on Sunday - cheaper than going out though. This time of year is traditionally very expensive, what with back to school stuff and DD2 birthday soon but school uniforms are all bought, just shoes needed from Clarks, where I understand we'll get a 20% off voucher for adults stuff. Top of To Do list is clear the slagheap of Ebayables on the spare bed. Here's to lots of No Spend days ahead for us all, and thanks for starting the thread!
I've just cancelled my credit expert
equifax too so thats £21 a month saved.
I ordered an O2 sim via quidco and got a 300 text and 500mb sim for £10 payg. I mainly use emails and texts so it suits me. £6.50 a month saved. Plus I got £5 cashback.
Off to asda/sainsbos later for dumbells for the shred dvd I got off amazon for £4.89. I'm going to start it tomorrow so dh will be out and cant watch
laugh his ass off.
I FOUND YOU!!!
Awful day today - some b*stard has cloned my debit card and has withdrawn £300 cash This is money that we simply do not have. Have spoken
cried, yelled to bank, but because it is a cash machine transaction they say there is not much they can do, as I could be saying that £300 has been stolen, yet have it in my purse all along. They will investigate, but basically I won't count on getting my money back.
We are going away next week, to see family, so my Mum is now giving me £100 to cover petrol and daytrips. And family have chipped in with funds for a party that I am hosting for my Mums 60th Bday party. I love my family so much, and am so grateful to them
but I could murder the fucker that has stolen from me
Some cashpoints have CCTV so you could ask them to check if that one does, also I remember an article on the net ages ago
saying chip and pin isn't as safe as it's made out to be so research that too.
Def report it to the police too you might not be the only one affected and it could help them catch them.
It could happen to any of us. I hope your bank sees sense.
Sorry to hear about your card Lienlandri ,fingers crossed you can get some results from ATM camera etc.
Well, I've over spent a little this week, just £15 or so over budget but that's £15 too much. On the plus side I've used very little petrol with DDs off school sick. This month we have enough coming in to cover mortgage, bills and food but no extras. DDs are going to need new school shoes soon, halfway through the year. Their pocket money, earned, is still being saved in Bank of Mum.
I'm looking forward to a stingy few weeks until the DDs birthday.
oh, Leilandri, that sucks big time. I really would have thought the police could do something about someone cloning your card - it seems ridiculous that they won't.
Could you not argue that withdrawing £300 is unusual behaviour for you? Was it at a time/place that you usually use a cashpoint? Aren't these things that trigger suspicion with banks when criminals use other people's cards to buy goods? Also, if you get nowhere with the bank, is it worth writing to your MP to raise the issue?
As others have said, ask the bank to check CCTV and do let us know how you get on. I hope you manage to have a good trip away next week, regardless.
July was fairly good for us, but I envisage a bit of a spendy weekend - MrEconomy needs new shoes so will be heading to TK Maxx this pm. I also need new slippers and will check out their maternity stuff while we're there.
We've decided not to go to my cousin's wedding in Paris in December. I'll be 7 months' pregnant and my husband isn't that keen on straying too far from home. It'll be a long ceremony and involve lots of standing/waiting around, and they'll be having some sort of do over here in the UK for my gran (94 so not going) and other people who can't make it, so we'll just go to that. So that saves shelling out for eurostar, hotels, meals and a passport for our son that we'd only use once.
Had an NSD here today, tomorrow is Children's Day, do you get that in UK? DDs seem to expect some kind of mega extravagant gift, never mind eh?
OH has roped us into lunch tomorrow with a family we've never met before. No idea as yet if he's offered to pay or we're splitting costs.
No we dont have childrens day. Everyday is childrens day in the uk for a lot of children.
BT have reduced the cost of my package from £19 to £13 since we moved house. No idea why, it's extended my contract by 6 weeks but saved me £70 over the year so it's all good. I'm £10 in credit now so that will carry over to next month, hopefully that bill will be tiny now. I pay for line rental upfront so that's a saving too.
I'm still leaving next year if I can find something cheaper and reliable though.
Leilandri, I'm assuming you're in the UK. I'm not sure the banks can do that, I remember reading lots of articles about debit card and person not present fraud and you may be able to get the bank to refund your money. Look on newspaper / moneyexpert websites. The gist if I remember correctly is that they cannot simply say that you cannot prove it wasn't you but that they have to prove it was you, they cannot simply fob you off. Please have a look but its a long fight from what I can remember.
Hi Can I join you? I need to save.
I'm so sorry, Leilandri.
Hello, LadySybil and welcome! Hope you find this helps you to curb your spending habits.
As predicted, a fairly expensive day yesterday - new shoes for my husband but used a voucher code from the vouchercloud app (really recommend this) to get 20% off at Brantano, so £30 shoes were £24. Also fill up of petrol, which was £55.
I'm not good at saving. Until June I was paying out a fortune in travel to get ds to school so I've had nothing to save or spend for the past 2 years. We've now moved closer to the school.
Today I've ordered the weekly groceries rather then take ds to the pub for lunch, this was £47.
Today I spent £20 in the supermarket. I think OH paid for the lunch, I was too busy chatting to the other wife to see. Haven't ask him how much as I'm in ostrich mode.
This children's day thing is new-ish and I think it's aimed at getting Gvmnts in undeveloped countries to tackle child poverty, child labour etc. DD1 told me today her friend (11yrs old) is getting a new iPad for children's day. I said that's not your problem, don't worry about it!
NSD for me yesterday. Lovely lady at the newsagent pointed out £5.00 M&S food voucher in the Mail which I'll use for ice creams/lollies. Saving for a London trip (tied in with DH hospital tests) next April and a wedding overseas in August. Lord preserve the UK from Childrens Day!
£2 for me today if the wheelie bin cleaning people turn up.
<joining in - loves being frugal>
Leilandri - keep hassling the bank. My experience was that they stalled with refunding for bloody ages but got it back eventually. My card was used fraudulently which I reported but never found out how my details were stolen.
Have had WAY too many payments go out already for August (2 x kids swimming and gymnastics for next term) and is DD1's birthday in a couple of weeks .
Today we are going swimming at my gym and am smuggling in a packed lunch to their play area for them to have afterwards. Will splash out on a cup of mint tea for me so hopefully only £1.45 today.
Nice lady gave me her parking ticket (I know, not right but hey) so saved £1.20. Then splurged on a rucksack and tried to justify it by saying that I will do more picnics this summer so saving on days out.
Spent another £20 in the supermarket and £5 on snacks, £1.40 on the road toll.
We have a vet bill pending and need to buy more food for the beasts. I still have some credit on a gift card, think I'll look at spending that towards the end of the week. Feel I need a little lift.
£6 in the post office.
Despite freezer full of M&S strawberry splits etc spent £7.00 on a round of ice creams on an outing today. Good fun though.
May I join please?
Due to go on Maternity Leave with DC3 soon. I also have a broken leg, so cannot drive or go to shops. Having to rely on home delivery for food.
I have always been good at stretching my pennies, but DH is a disaster with money. We agreed a budget for food, and I stick well within it ( finding I save money by getting food online so will continue this) but he then goes to various shops buying bits that we really do not need, and are really pricy/treats. For example ice creams for kids, small bottles of coke for him. We should be buying this stuff in bulk.
I wish Aldi did home delivery!
I need to save money as I want to be off the full 12 months with what will be my last baby. I went back when the others were 5months old.
I have reverted back to cloth nappies!
DD1 goes back to school in less than two weeks. I broke my leg at the beginning of her holiday, and had planned to buy season tickets for Safari Park, which thankfully I had not, so that saved a £70. No real saving in petrol as DH has had to get a bus pass at £100 every 4 weeks. He is learning to drive, which is a huge expense.
Waiting to hear back from tax credits. Could get a huge bill or refund. I find it impossible to know what to expect. So far our payments are unaltered which is encouraging I guess. This could make or break us.
Valium - cloth nappies are great. I have a 15 month old and am 15 weeks pregnant with our second one. We have enough nappies to have them both in washables so that's a huge saving!
Also, agree that it would be brilliant if Aldi did home delivery. We can but hope...
Ooh economy another fluff lover
Thought I was doing okay this week, until DD1 broke her wheeled rucksack £40 to replace that and her school books really are too heavy for a normal rucksack, I've tried it. Now DD2 needs a hockey skirt for a match tomorrow and OH needs to pay the vet tomorrow too. I need a few million quids, no mortgage and a little wooden cabin in a forest somewhere I could grow and trap all the food we need. See, I'm not greedy.
Sounds nice adora wouldn't mind some of that myself! I wonder how long it will be before they have school kindles? The local High School has given every kid an iPad apparently.
Well we've managed to have a lovely time on holiday
Really managed to relax and unwind about some of our money troubles. We were thouraghly (sp?) spoiled. Spent £95 on petrol, and still have 1/3 of a tank left. £10 on some beers for a BBQ, £20 on bartab at DFiL's local for his Bday pressy, £10 on drinks and entertainments at Chester Zoo. So not a bad tally for a week away for 2 adults and 2 little boys.
I am going to chase the bank again on Monday, now that I've got over the shock, and push to be compensated. Also got to get hold of tax credits as apparently we owe them over £4000?!?!? I DON'T think so!!!!
Good Lord Leilandri I bet that was a shock! I am terrified something like that will happen to us this year. Still to hear from them. I hope it is soon resolved, and they should be willing to agree reasonable repayments if there is money owed to them. Sounds as if you had a good holiday.
I've just had an email from credit expert, if I log in at anytime from now on they will re-start my subscription. How kind. Sounds like a con to me.
I'm in. I think credit expert etc are cons, tbh.
Please don't feel the need to read this but it will help me to write it all down to get my head in order!
So: august always going to be a tricky month for us, it's 5 weeks between paydays, and that always causes problems. Luckily a very tiny pay rise was backdated for me so we got £300 extra at the end of July which made a huge difference for us, and I'm going to do a couple of extra shifts which are paid the following week so hopefully that can be our week-week cash (petrol and food) for the last couple of weeks of the month. Most of our bills have gone out, and we have the money in there to pay the rest when the DDs come along.
I need to get some food today, but I have meat and veg in the freezer so it's only fridge stuff and fruit we need. I'm going to go to Asda and aim to spend £30.
I need to get school shoes for ds who starts reception on 10th sept. Can I chance going the first week of sept when most schools round here have already started? (they stagger the recept intake which is why he's starting a week later). I don't want them all to be sold out but that will make it after payday so will soften the blow of that £40!
I've finally put in all my travel claims for work so if they pay those on time that should be an extra £150 at the end of the month.
Mum's taking me and the kids on hols for a week next week, so that won't cost us much at all, except abotu £60 in petrol. And I've just realised I get paid in 17 days, so that's not too horrific at all!
leilandri that is appalling. Don't take any nonsense from your bank. Keep complaining and go to the ombudsman if necessary. £300 is nothing to them but a lot to you so don't let them fob you off.
Does anyone else put off checking their bank account? I really have to steel myself to do it. Here goes.....
what do you need to get £40 shoes? Asda do some pretty decent ones (apparently) for about £10, or eBay? I try to get them in the sales and buy the next size up. So far they have been fine.
I have only just got online banking, but still need to check. When I was single I used to write every expense down so I always knew exactly what the bottom line was, but DH is appalling at spending, and with the chaos that is tax credits, I never know where I am now, so just try to be as frugal as I can. I feel frustrated though when I am so careful with food shops, and buying stuff second hand, then he orders a pizza or treats himself or the kids. Occasionally he treats me too, but I wish he wouldn't. I never enjoy stuff we cannot afford. Grr! I know, I know, I should tell him, but I have tried and he is unlikely to change. Some people are just like that I think, and thankfully we are managing.
I'll have a look at asda shoes, I didn't think they had leather ones though, and I worry about him being in them all day. This is how clarke's make their money, isn't it? neurotic mothers and their pfb's precious feet!
It's annoying isn't it, when you scrimp on food then get back from work to find they've all been out to lunch! Or bought you a present you don't need, even though he's trying to be nice.
god, asda do loads of leather shoes! i'm off there now!
I know, it is hard with pfb's. I have passed all the shoes from DD1 to DD2, some bought new, but most from eBay. All clarkes, and I bought a foot measure gauge so knew they would be ok. I am expecting a boy this time, and initially I thought 'oh no! I will need to get new shoes!' school shoes get such heavy wear, with wet and mud and scrapes, and get lost too. I hate buying them. I look forward to hearing how you get on
where did you get the foot measuring thing from, can you remember? I once tried to measure ds's feet to order some online wellies, they were about 5 sizes too big.
I got an illegal one off eBay about 5 years ago. At the time they were going for about £70, but I got mine for £10 as it was listed wrong. They now sell legitimate ones on eBay for a few quid.
Search for 'child foot gauge' and they are proper clarkes ones. May be cheaper elsewhere though.
Just spent £40 at approved foods. Only buy every 6 months or so, but got some bargains. Mostly dried foods and sauces, plus snack bits for school lunches. It seems some baker boys cup cakes and creme eggs fell in the trolley. No idea how that happened! £2 for 36 cupcakes, and £1 for 10 eggs, it would have been rude not to!
I have spent nothing this week, not a penny except my Asda shop which was half what I usually spend. No petrol due to broken leg, so I think I am allowed.
nothing all week! that's awesome. I just spent £80 in asda, food and (hoorah) leather school shoes, plus a new lunchbox which ds will need in sept, and it was spiderman (his favourite thing) so I grabbed the chance and bought it.
That should now be enough food in the house to get us through to the end of our holiday (26th august), with a £20 top up shop for fruit and milk and bread. Next friday we're taking the kids to stockwood park dinosaur exhibition, £12.50 entrance and we'll take a packed lunch but will buy ice cream and a little present probably, so £20 in total, plus petrol to get there.
While me and the kids are away I'm sure DH will live off takeaways, so probably £60 on him while we're away. We should have enough to get through the month without too much palaver.
There are advantages to having a broken leg. I have been very good online though. I have been avoiding eBay and amazon.
What do you think of the shoes?
I hope you have a lovely holiday.
Valium - I did an Approved Foods shop yesterday, too. Spent around £48 and mainly got couscous, coconut & orange tea bags (I love these and normally really expensive but 2 for £1!), crackers and lentils. They didn't have as much stuff that I wanted as when I did my last order, so a little disappointed, but that's the luck of the drawer I guess. Last time they had loads of tinned fruit in juice, but not this time.
A bit of a faily weekend overall - caved and bought a new hoover (our current one is 4 years old, not much I know, but it doesn't actually pick much up, just redistributes the crud), so that was £110 but will come from savings. Then £48 on said Approved Foods order. Then today I mowed over our flymo cable so will need to order a replacement one (only £10 or so, but still) and also got a maternity swimming cossie as my old one is rubbish (mothercare, seems to think I have huge boobs...) that was £20 at the pool.
I'm supposed to be getting EconomyBoy's feet measured again next week according to Clarkes, but not sure if he really needs new shoes yet. He got his first ones around 6 weeks ago and there seems to be a bit of room in them yet. Can't face spending another god knows how many £s on tiny shoes just yet.
Leilandri, so glad you managed to relax on holiday. Good luck with the bank (and tax credits people) .
Not a bean spent today. I have no clue how much was spent yesterday other than £20 wasted in McD's. We got fuel but OH has some kind of voucher stylee card from the dealership so it's free for a while.
Oh, spent far too much money on new carpet being fitted tomorrow. It's madness <clutches head in hands> we have to replace the perfectly good carpet in order to have any hope of selling the
mill stone house. And earlier last week I spent about £90 seeing a Dr. Also overspent on grocery shopping but mostly non-perishables so I didn't waste the money.
Tomorrow I need to buy eggs and bread, not sure what else but not much. Still no idea what to do about DD2's birthday present, they are counting down the days.
AARRRRGGGGGH! Just remembered OH hasn't paid the vet, words will be had in the morning.
economy I wasn't overly impressed by the selection either, but my basket was 'valued' at nearly £140 and I paid £40 so felt it was worth it. The main reason I use the site is for the couscous! I will never again pay full price for the stuff I got a few little bits to put by for party bags too.
adora how old will the birthday girl be? Are you doing a party?
Valium she'll be 11, twins who have too much already but really need an iPod touch. I'm going to look again this week, cruise a few more shops a bit further afield. Not sure about the party yet, they have grand plans that we can't afford. What I really need is someone to take over so I can spend the rest of the
year month in bed hiding under the covers. Any volunteers? No, never mind.
11. Oh dear. Not an age you can fob off with something from a charity shop then how about getting a reconditioned one? I think Apple do them. I have a recon iPad and it is as new.
Hi all, Fluffycloudland77 told me about this thread so I thought I would join
So today I have been food shopping but first I did a meal plan and made a list! I only picked up 3 things that weren't on the list (scourers, celery and fruit split lollies -DS1 actually picked those up but he was being good and they were 79p) Total bill was £64.51 this included £19.96 worth of nappies (Aldi's are brilliant, much better than P******).
So this week the plan is:
Monday: Steak*, SW chips & salad.
Tuesday: Take Out, long day at work
Wednesday: Chilli* in the slow cooker
Thursday: Bacon and boiled egg salad.
Friday: Chicken Curry*
Saturday: Spaghetti Bolognese.
Sunday: Roast Chicken.
*Steak from freezer
*Steak pieces from freezer for chilli
*Chicken breasts from freezer
Kids have snacky lunches and fruit each day and DH and I make salads for our lunches.
I feel better having a plan
I had a lovely meal plan sorted until DH decided he wanted to go back to Slimming World tonight. Guess I need to following the plan too. Grr! It should work out cheaper though as he does not buy drinks and snacks and take-aways.
Had a lovely suprise today. I bought a PnT pushchair 5 weeks ago (with pocket money) off eBay and it was delivered today. It was pick up only, but the kind lady delivered it as my leg is broken. Need to buy a raincover for it now.
Aldi nappies are good, but washables are better
Valium, I thought about washables but with how bad DS2's tummy is (milk and lactose allergies) I doubt they would be able to contain his bum emissions
You will love your PnT, I got one on Ebay it was brand new! It will last, they're like tanks
Hi 2Old and welcome
I've done a bit of shopping, £25, I'm planning to buy the bare minimum this week as freezer is pretty well stocked, again.
I've remembered a mum at school has a shop where she does courses in ceramics for children. I'll see how much she charges, I think both DDs would enjoy that.
2old sorry to hear about the dodgy tum. Sounds unpleasant for all. You would actually be surprised how good washables are these days, I sure was, although I would not fancy washing them out with his tummy.
adora that sounds a lovely idea, but the ones around here are pretty pricy.
Thanks AdoraBell - Pratchett fan perchance?
Thanks Valium, it's getting better he's 13 months now but until he was about 9 months I hated going out as if he pooed it resulted in a whole change of clothes too!
But hopefully he'll grow out of it (no sign yet though)
Quidco finally paid my national trust membership cashback! 4 months later.
We did use the cards three times this weekend so I am happy that were getting lots of use out of them, plus I took the picnic hamper with us.
Forgot to continue my project of storing an aldi magnum so we don't pay £2.10 for them so dh bought one and a latte for £2.25. It was the smallest latte ever and rubbish apparently. This is where my milk allergy saves me money.
Got to ring gas Reading through to edf because I've changed suppliers. Hopefully it will pay off.
2Be how did you guess
Valium some things like courses can be really cheap here, I'm abroad, despite the general cost of living going astronomical in recent years. I'm going to have a chat today at pick-up and see if it's affordable.
adora I forgot you are abroad. I guessed that from mention of Road Tolls and Doctor Visits I think.
Had a lovely party for DS2's 1st Bday today. 5 of his little friends came, along with my DS1. Did a selection of snacks for the kiddies (and mummies) but it was constructed mostly from what we had here already, so spend was £3.20 in Morrisons on some snack pasties, beetroot hummous and mini babybels
Then went for long walk in afternoon to library and park which wore out both boys. Hope for some tea - then bath & bed = blissful day!
I'm getting chickens TOMORROW Can't wait. Have bought everything for them already, except for some sawdust for their coop. So will pop into petshop to get that before going to collect them. They will cost me £18 for the 3 of them, but my Mum will pay me back as they are an early Bday pressy from her. DS1 has decided on their names in advance - Patch, Donut and Bogey
I am so JEALOUS. I would love chickens, unfortunately so would the cat and he is more than capable of killing them too.
Very right now!.
What breeds are they?
We're getting light sussex. So they are mostly white, with black tail feathers and neck feathers. We have a cat, but she is a complete wuss - even scared of her own shadow They will be kept mostly in their run/coop. But will be allowed to free range in the garden when I am out there
to shoo them off my plants
Valium I find any type of cock abit too noisy and messy!! (and I have 3 of them in my household already) ;)
oh poo, the other mum has stopped doing courses for children, but I could do one for about 50 quids, give or take depending on exchange rates, then teach the DDs. Not the same as getting a birthday present, but I am tempted.
I couldn't have chickens here, one of my dogs is a hunting champion, but I hope you enjoy yours Leilendri.
adora that is a shame. How about giving the girls a choice. Party or present. Likely they will get gifts from their guests.
WE HAVE CHICKENS!!!!
(Sorry about caps - but so damn excited!!)
They are beautiful - have added a pic to my profile. 3 white ones are 12 weeks old, so will be seeing eggs in about 6-10 weeks. Brown one is 16 weeks old, so could be seeing eggs as early as a fortnight, can't wait
Very exciting! Welcome chickens!!
Yay for Chickens Wish DH would let me have some
Glad your chickens arrived Leilandri, hope you enjoy keeping them.
Valium that could be an idea, they would indeed get gifts from friends. I cant get out to look until next week now.
Looking forward to reading more about your chickens, Leilandri.
Blimey, I somewhat over-ordered the couscous with Approved Foods. 12 cases (6 packs in a case, 2 sachets in a pack) of spicy couscous, 12 packs of another type and 6 couscous snackpots. I'm going to have to give some away at this rate. And 4 packs of plain couscous.
However, the 12 cases only cost £3.48 so not as if I'm losing loads of money. Seriously, the cupboards are rammed with the stuff. I did get a load of other stuff, too, but am wondering why on earth I ordered so much and only 6 cans of chickpeas, for example.
Off to Bath tomorrow for an afternoon without the boy. Lunch with the inlaws at Pizza Express beforehand and have found a 25% off voucher. There is a 40% off one, but that's only valid until today. Shame.
You can never have too much couscous <nods wisely>.
Check for that 40% off voucher again tomorrow, sometimes they expire only to come back the next day.
economy I got my approved food order today and also have far too much couscous! I think their description could have been a bit misleading as I had no idea so much would arrive. Thankfully I love it. Only 3 of the pots of couscous though. Did you get cupcakes? I did not get chick peas though. I love Approved Foods!!!
We just worked out that I bought 144 sachets of just one variety of couscous alone. Oops.
Didn't get cakes etc, as I tend to make all those at home anyway, baking is my therapy!
Will check to see if that 40% is back tomorrow, thanks for the tip, Fluffy.
I thought I was bad with 36!
Brilliant day (easily pleased me)
Got a coupon for £1 off nestle cereal or coffee, so cheerios only 14p in morrisons.
Got two huge pieces of beef sirloin roasting joints for £11, should have been £22 and when I got home there were two free twinings tea bags waiting.
And I rescued a baby sparrow off the yellowlines on a busy road and put it at the base of a hedge. I have plastic gloves in the car for work and minor animal rescues.
Economy, I just spotted this on freestuffs website, No good now but maybe for next time?
Aww fluffy how sweet of you.
Couscous for lunch today
Another no spend day today, but did go to BK for lunch yesterday. Less than £9 for me, DD1, and my parents as we all shared. It was the first time I have been out for 5 weeks and it was a treat for DD after being at the hospital.
Please may I join?
We got paid today so feel like we are starting afresh.
We are trying out drawing cash out and using that this month rather than using the card absent mindedly.
I bought a battery charger today as our one broke and I really missed it, especially when I'm using DS's vtech computer thing as a temporary babysitter when I need to get somethings done! It'll obviously pay for itself I hope but that was £10 today.
Thanks, Fluffy - I've seen that before but unless things have changed, their app isn't available for Windows phones...
Geek, I have started using the cash method and has found that it really does work - good luck!
Friday was quite spendy - in-laws picked up the Pizza Express bill (but appreciated the 25% off) but we then spent £52 on a spa session each (£26 each for 2 hours). It was worth every penny though - we hadn't had an afternoon with just each other for a year. It's not something we'll do more than once a year, but as a one-off treat I'm happy splash out.
£1.50 on a paper yesterday and that was it. Going to have to do the Aldi shop when we're back this afternoon, but hoping that will come in at under £30.
Spent £35 on an "admin charge" yesterday for telling Hastings car insurance that we moved. Realised half way through call that as we have mail redirection I didnt really have to tell them but I'm a scaredy cat who plays by the rules.
I'll never use them again though for car insurance.
Cat has to go to vets today as he's had the crap beaten out of him by a male cat. Dont know how much that will be. I'm assuming £££.
Fluffy, really hope your cat is ok . Do you have insurance? We don't, as our cat is an old lady and rarely leaves our garden, but it's something I think we would get if we had a younger specimen - vets' bills scare me something chronic.
No, we have savings though.
He's never had a cut eyelid before from fights, just nicked ears or a scratched nose, I've never seen him fight like that before though, it was full on.
It is swings and roundabouts between using savings and paying a monthly insurance premium, isn't it? Either way, it's money.
Hope he has learned the error of his ways and is just an innocent bystander from now on.
Fingers crossed the bill isn't too extortionate. Do you know the owner of the other cat? Even if you did, I guess the argument "cats will be cats" would be used.
I am mean. I have told my kids they are not even having a bunny, let alone a cat or a dog.
Valium, children aren't the problem for me - I love animals, grew up with dogs, cats, horses, ducks, rabbits...
My son isn't old enough to want a pet, but I am!
My husband, on the other hand, is not an animal lover, so we have a one-in, one-out pet policy. Would love a dog, but think that'll never happen, at least not for a while.
But, if I weren't fussed about animals, I can completely see why you'd want to avoid getting one. They can be very very expensive.
My DH would love a dog, and I have said no, largely due to the cost, and the fact that I would end up walking it and clearing up after it. I understand there are folk who love animals, but I would not call myself an animal lover. It amazes me how people can spend thousands on vets bills, but I guess it is all down to people's priorities. I know some folk think I am mad having three kids. They are all our babies, it is just some are fluffier than others.
I do hope your cat is soon fighting fit again. <<resists temptation to say a new kitten would be cheaper>>
fluffy just read your cat thread. Sounds quite nasty. I do hope he is ok.
DH has said a new cat would be cheaper.
£60 at vet but hopefully no serious damage. He's on antibiotics just in case he has a cut she didnt spot and it grows into an abcess.
So this weekend;
Hair £65 (my one indulgance)
Car insurance admin rip off fee £35.
If any owners turn up I shall ask them to pay for my cats injuries as their cat is clearly trespassing. My cat will never back down, thats the problem.
And there was me buying mark down joints of beef and cooking it all in the oven with the chicken thinking my self frugal.
fluffy it could have cost so much more, and he should hopefully be ok.
In relation to the admin fee for the insurance, if you made a claim they may well say you were not covered if you had not informed them of a change in address. At least the cost did not go up as well.
And you hair looks lovely BTW
Apologies for the mean comment about your naughty fluff ball. That was very insensitive of me and I have been feeling very guilty
I didnt take it as mean. <swishes hair>, I am a scaredy cat with insurance because I know whatever they can do to wriggle out of claims they will do.
First thing DH said when I told him the bill was that a new cat would have been cheaper.
Glad I did not upset you.
My Gran, now deceased, said that when she was little they actually killed and ate her rabbit as times were so tough (bet the rabbit was too) but they did not tell her until after she had eaten her dinner. She was far too devout to fib.
Naughty DH! Lucky cat!
Glad your cat will be ok Fluffy.
Had to give in and buy a new pair of jeans yesterday- I'd been hoping that I'd shrink into the 2 pairs the next size down I have but it hasn't happened and I needed another pair, they were only cheapy New Look ones and I had a bit of money left on a gift card so that was £11.
We also had to get DS some shin pads but managed to get them in the sale so that was good.
Haven't spent anything today, in fact gained some as MIL gave the kids spending money for the zoo tomorrow (clubcard vouchers paying for that) so good time today!
Another NSD for me. I am being such a good girl making the food stretch too. Made a lovely budget meatloaf for tea, and there is enough for another meal too. I even made a bargainous trifle for the kids, just jelly, trifle sponges and frais on top. My online shop was all value or half price, and so far the only issue I have had is with the bread rolls my DH picked up from Sainsburys. The Tesco ones were lovely and soft, but the Sainsburys were as dry as week old bread, hence the meatloaf.
If you need a new phone theres an offer on talkmobile via the carphone warehouse, they piggyback on vodafones network rather like giffgaff piggybacks on O2's network.
It's a sony xperia smartfone for £7.50 a month, 250 mins, 5000 texts and 500mb of web access BUT if you go via topcashback or quidco you get £35 cash back on a 24 month contract.
So my old iphone 3 was going to be £10 per month for text and 500 mb and no free minutes but for £7.50 I will get minutes to ring dh
when I'm bored.
DH went to get his with and wasnt keen on cashback and is now that I'm getting cashback.
I can sell my old iphone, once I've got all my wedding photos and very important
random photos of the cat off it.
Cat now watching the road incase the other cat has the temerity to be over the road and has taken his antibiotics.
Glad to hear your cat will be fine, fluffy .
My old lady is 14 and basically an indoor cat, but I still pay pet insurance. I'll probably let it lapse next year though.
Havent seen you on here for ages cremeEggThief, are you still being frugal? I havent seen boffinmum either.
Fluffy, I was away for a few weeks visiting family and friends in Ireland, so switched data off completely to keep mobile costs down!
I've been 'back' for a few days now. Still trying to be frugal, but RL has been very complicated and stressful this summer, so I haven't been a useful or reliable contributor. Sorry all.
Newbie here! Delurking after weeks (nay months!) of procrastinating! Payday today, all bills paid, budgeted for remaining SO/DD and spent £39.28 of £100 (per week) house budget. Its here I need most help and KNOW I can save money on this expenditure. DS3 is in a nighttime nappy only now so thats saving a small fortune! I really admire those who can live on £30-40 odd a week. Despite all my attempts at planning, I never quite get there. To aid my new leaf Ive programmed everything into an app to help me keep track and find out where all my money is going!
I spent money! In a real shop! I went to Asda and spent my entire £50/week food budget, but that did include £5.50 worth of school uniform items. My Mum took us as I cannot drive, and she was more trouble than the kids.
I missed a couple of things off the list as I was wanting to strangle all three of them, and pester power, backed up by Grandma, won on a couple of occasions. First time 'proper' out in 6 weeks, so was a bit overwhelmed tbh.
I hereby solemnly swear to only by groceries online whilst sober from now on.
Sorry, hello mum2Fergus welcome. I delurked only recently, and am finding it very helpful. I liken it to being on a diet and getting weighed each week. Much easier than doing to on your own. Have you thought about putting your youngster in a washable nappy at night? Initial outlay to consider, but you could sell on after and it would not take long to recoup costs considering the expense of pull-ups.
Hello VQ! Im using up the last of his Pampers nappies for nightime. Should have enough to see me til end Sept, that said he is dry most mornings...but if I think he'll still need something for a wee bit yet I'll definitely consider it! Interested to read your update...£50 weekly budget would be a goal for me (currently £100) any top tops to help me plan?!
Forgot to add...Im a Tesco/ASDA shopper, have never gotten into to Lidl thing, just dont feel I can get everything I need in the place-always end up 'topping up' iin the aforementioned...which I think defeats the purpose, extra trips = more petrol/time...excuses excuses lol but maybe as my planning improves it will be more cost effective. I can also bulk buy ar Costco...in the meantime Im switching a number of things to the Tesco Everyday Value range...thought Id share successful swaps so far...beetroot, toilet rolls, kitchen rolls, salad cream, fajita wraps, custard creams and icecream! Have made a start on meal planner for the week too-chicken mushroom and tarragon pie with veg tonight, DP on his own tomorrow as Im in Brum on business, not back til 8...chicken stir fry for Wed, mini burgers and salad Thu (DP cooks Thu as his day off so keep it simple lol) - all of which I already have in. Oh, and lunches for DP!
Please can I join in? We are trying to save a huge
stupid amount by April, but have been spoilt and used to just buying what we fancy (food, I mean, not gadgets and shoes!). I need to get stricter about meal planning and better at cutting back generally. Am a sahm who does some freelance work (that'll stop soon as I'm on mat leave again soon), DH works FT. One toddler (so far), and no animals.
Have meal planned and weekly shopped for this week. Will aim for a NSD tomorrow. Today I bought top-up shop from sains (stuff asda didn't have, £10), teacake and coffee (£2, so cheaper than it could have been [defensive]) with DD, maternity top on ebay (3.99 inc p&p - should be able to resell it eventually).
Best frugal thing we've done this month is use icebox for a picnic and thermos for coffee on a day out. See, I said we were beginners .
holler, welcome to the thread.
Fergus, I halved my shopping bill going to aldi, even when I did an asda top up, over time I found ways around doing two shops and now do an aldi shop and a markdown section at morrisons shop which I pass on the way home so no extra petrol.
If your food bill is say £60 a week and in aldi it's £30ish it's still worth it even if you factor in petrol/time. I work for myself too and can be round aldi and out in 30minutes.
I mean if you come away with joints of pork, bacon joints and prime sirloin of beef for £8 and you get loads of meals out of then it's still worth doing.
I like Aldi but cannot drive at the moment. I have been doing online shopping and find Tesco easier. I search 'value' and everything from the value range cones up. I also check the half price section, and the BOGOF, and then search for the bits I am short of. With all the searches you can do a cheapest first, although I wish they did a cheapest per item or 100g search as sometimes the bigger packages are better value.
When I am fit and mobile I shop mainly at Aldi, try to check out the reduced sections in the supermarkets, and use the value ranges. I always by free range eggs as DH will not allow anything caged in the house.
I buy my toilet roll from Home Bargains.
I used my Tesco points to buy washable nappies.
I am actually getting quite a kick out of being frugal, have not thrown anything out for weeks as I am more 'on top' of what is in the cupboards and fridge, and am stretching meat and poultry to do two or three times as many meals as before.
Approved foods is good for store cupboard basics, and I do not need to buy spices, pasta, rice, couscous, sauces or sweets (for the kids obviously) until next year!!
I am lucky as I have a Tesco, Aldi, Morrisons, Asda and Home Bargains within a mile of each other, about three miles from home, and on my way from work too.
DH has set up his new smartphone and has spent all evening ringing me and complaining my picture didnt come up when I called him.
He's put my number in wrong and has been phoning some random person all night. 20 times he rang them.
This morning he sent them a picture of the cat.
Tbh I should have twigged when he said "Oh it's working now your ringing me", "I'm not ringing you".
Lol @ Fluffy...Im reminded of an unfortunate w/end of calls from a random female who believed me to be her DHs OW!
Welcome Mum2Fergus and holler
Doing well here - spent £40 at meat man on Sunday, so that will keep us going for ages. Veggies are finally coming in from the allotment, so we are eating/freezing LOADS of courgettes, runnerbeans, beetroot, carrots, parsnip, sweetcorn
Chooks have settled in nicely. Can't wait to get eggs from them - feeding them up well on DH's bacon rinds.
Have had some lovely sunny days here, so am getting as much washing done and line dried as possible - am doing all the curtains at the mo, so I won't have to do them again until the spring.
Went to a Mummy meet up today at a local soft play centre. Spent £2.50 on refill coffee (had 5 cups!) Supposed to pay £2 for DS1 but DSiL works there, so got him in for free. Planned to have lunch out and do a 2 for £10 meal deal with a friend (as a light lunch 1 adult meal splits nicely between me and both DS's) but my friend paid for my meal in exchange for some old baby items, so result!
Wow Leilandri...an allotment and chooks...I for one am well impressed! Alas our garden is small and laid to lawn, only renting and dont think l/lord would be pleased. There are some allotments nearby but there is a waiting list...one for our own place once I get deposit sorted - hence my delurking to join you all- just another £3k to go!
fergus We have a teeny, lawn garden too. I plan to grow some herbs in plants on the fence to save buying and inevitably wasting supermarket pot herbs. Should look good, and save a few £. I'm also going to plant an espalier fruit tree up the fence.
<slinks off into Gardening>
Could I join you please? I have finally finished uni and am staring work and need to try and budget well. No kids yet but I will be at work all day long so need to start to batch cook etc to not be tempted to pig out on fish and chips.
Bus fare has been one of the biggest expenses again today- or at least certainly the worst value. £4.40 on that for me and DS.
I went to Poundstretcher and got 8 loo rolls, a packet of Johnsons wipes, 8 packets of crisps for DH and 2 litres of milk for £4.87 which I was pleased about.
But then I bought lunch at the wholefood shop and spent a bit too much (in money and calories).
And that's my day!
Hello and welcome holler
I'm finding this depressing. We've just spent way too many thousands on re-carpeting the house to try and sell it, so OH won't permit the DDs to have a birthday party at home. He pulled the same last year, after I'd shelled out for everything. I knew there was a reason for me not pulling my finger out and getting shopping organised. And because we've spent all this money that's not being replenished, we can't afford to have a party out. And he hasn't paid the oustandong vet's bill. And he's still talking about expensive cars and boats in the future.
Anyway, what with road tolls and grocery shopping I've spent £90 this week already. We shouldn't need anything other than a top up on veg. Times like this are the reason I overspend on non-perishables when I can. I reckon I've got about ten weeks worth of loo roll, and tons of pasta, rice and beans.
There's a thread in Food for peeps to add their family meals under a fiver, it provided me with tonight's dinner
Herb garden a good idea Holler, will have a look into that! Well yesterday I spent in the region of £110 but the good news is it was all business related so can claim all back via expenses...so is that my first official NSD?! Today I just need to get some milk., taking the plunge and heading for Lidl
Nothing wrong with lidl fergus, I prefer Aldi and I think it's cheaper for fruit and veg.
Adora, you have my sympathy. I found out the other nights dh's cc is at £1200. Not the end of the world but I am seriously pissed off about it. I try to be frugal earning about twice what he does and he goes and uses a cc.
I had thought he was paying it off after doing a balance transfer. So I've been making noises about not having a TV licence come october.
I just dont think men understand the bread and butter today so we can have jam tomorrow philosophy.
Totally agree with the "jam for tomorrow" point, Fluffy and Adora !
Hi all - I haven't posted on here for a few months, but the summer holidays have really battered our bank account what with extra treats/outings and all the things DS1 needs to start school. So I need to get back into a more frugal mindset. We do have a decent income, I don't know what the bloody hell we spend it on sometimes!
Things I know I need to get this month
- Lightweight buggy to take on plane
- School shoes for DS1
- Wedding present for my cousin
Oh and I had a NSD today. Not sure about DH, although he did take both breakfast and lunch with him to work.
Oh folks...I hear ya!! DP is awful with money!!! He sees having £1k left of a £3k limit as £2k left to spend!!! We seriously nearly split up over it a couple of times but I think he finally gets my thinking (now that Ive vowed to stop bailing him out!). Bulk of his wages now come to me on payday and I take care of things from there...bit if a pain but I know its all going where it should! Never did make it out for milk but should manage til the morn. £15 spend today...birthday cake for DS 3rd birthday!
I've stopped paying for meals out, we used to go halves but I think fuck it.
On days out using the national trust cards I only take cards and a picnic hamper with tea etc.
If he wants a frigging cappucino he can pay for it himself.
£21 today - £1 at stay & play and £20 to renew my season ticket to Blenheim Palace for the year. It's worth doing as you can spend a good while there each time you go - take a picnic and make a day of it exploring the grounds and wearing EconomyBoy out in the playground. It's one of those deals where you buy a day ticket and can convert into an annual pass for no extra cost (a rip off for just one day, but for a year it's good value).
Tomorrow it's BabyLab in the morning (helping research into childhood development and something to do for free!) and then probably a park in the afternoon. Hoping for a low, or no spend day.
Ooh, just checked and I have just been able to claim another £10 amazon voucher from surveys I've done. Treats for me!
Yay for the "treat" voucher economy, hope you find something nice to spend it on. I treated myself to breakfast out today, out of my own money rather than joint. Had some blood tests done which needed the 12 hour fast so I was desperate by the time that was done.
I can't take control of the finances while we live here, I think that's why it's getting to me. Everything is set up in OH's name as I don't work here and it's very England circa 1950 in that respect. The good news though is that the local economy may be about to crash which means we'd be forced to move back to Blighty and I'll be able to stop him squandering money. I just hope we can sell the house before that happens, everything is invested in it.
So, today was going well- £6 on my expensive breakfast, £2 on road tolls, £12 on yet more undies for DD1
that kid is growing too fast, I'm going to stop feeding her and £4 in the supermarket. Then the school nurse called, DD1 has hurt her leg and can't bear weight on it. So I sped back, had to take the expensive road so that was £4, then another £140 at the clinic having X-rays and £9 in the pharmacy for antinflamtory pills. My bargain for the day was a complete heart check-up for the princely sum of £90. Money well spent as I'm no longer worried about the effects of the stress, which I was last week, which was exacerbating the effects of stress! I'm hoping those nice people at BUPA will reimburse me at least some of today's costs.
I want a herb garden
Adora what a nightmare - makes you realise how lucky we are with the NHS that these things are all paid for!
economy we have a season ticket to our nearest zoo, plus National Trust and English Heritage memberships. It is good to be able to go and have a nice day out towards the end of the month without the bank balance squealing.
Yesterday was a NSD for DH as well, hurrah. He has taken lunch and breakfast with him again today, and I'm planning a picnic and a walk with the boys later - not even any petrol required - so a NSD for me too.
Tomorrow won't be, Waitrose order being delivered (£105) but that will keep us going for most of next week.
DH has next week off work, somewhat unexpectedly (he works freelance), so I am trying to plan a few cheap days out. We have got masses of jobs to get done at home so we won't want to be out all the time, but at least 2 proper days out are needed I think, and we will swim one day which is £11 for all of us.
adora, do you think moving back to the UK is really a possibility? It does sound like it would make life a lot cheaper in some respects (road tolls, healthcare etc). Just out of interest, how does the cost of living compare in other respects?
My DP is ok with money, but if I send him to the shop to buy three items he comes home with 5 and often forgets some we really needed. So I have now started to make him lists so he doesn't over spend on the wrong end.
We are now renting our first property together. We are thinking of setting up a joint bank account that we can each pay in a certain amount of our wages (which go into separate accounts) each months. I am thinking it might be easier to budget that way as all bills could come out there and we would know who spends what. Otherwise we always calculate back and forth who has spend what on top up shops etc. What do you expert saving ladies say?
Just working out how much I will get paid whilst on Mat Leave. Just over the limit for free school meals with DHs wage included, which is a bit worrying.
NSD today! Need to post a parcel tomorrow.
Gilmore when DH and I first lived together, we had the bills and mortgage split across our own accounts, and then we had a joint account which we both put money into to use for food shopping, meals out, things for the house (towels, coffee table etc), holidays, and so on. Meant that we weren't having a discussion about whose turn it was to pay in the supermarket!
Not a NSD here in the end. We had a lovely walk and a picnic, but then I needed milk and apples and a couple of other bits so we popped into Sainsbury's. I had some Nectar points to use, so only cost me £6.
Not an NSD day, but much better than it could have been!
Bought mat clothes on ebay, but have listed stuff that should make at least what I spent, so it's like an exchange (crosses fingers!). Just have to upload the photos, so tiresome!
Also spent £15 in M&S sale (mat jeggings), but these may be returned if not right. I hope to recoup this flogging the stuff mentioned above, too.
£6 toy dyson (ebay temptation, pressie for DD). Cheaper than a cleaner...
£10 top up shop. These need to stop, but still within budget.
Friend treated us to coffee and cake. V lovely surprise.
I tried to make a cheap hair appt too. Advert outside said £10 (junior stylist). Of course, the only availability they had is for when the rate goes up to £25. I will stick with my outgrown look for now!
gilmore when I first moved in with DH (then DP), we paid a set amount into a joint account. This was for rent, bills, food and other shared expenses.
We've got a joint account for the rent and council tax.
The daily mirror have an aldi voucher today, £5 off a £35 spend.
holler is there a college nearby that does hair? I can get mine done for about £6 and they usually do colours etc at great prices. I take DD there, but you need to allow a couple of hours. Oh, and DD2 spends hours playing with her toy Dyson which is about 14 years old!
the two years of my mobile phone contract are up in september.
i've completely wasted it - not using most of the free minutes and only the texts.
i felt conned into it, and the photo messaging has never worked even though i took it back 3 times.
so, come september, i'm going PAYG
i bet i'll spend about £3 a month compared with the £15 i spend now.
(i know that's not august, but i've fucked up august because of all the stuff "my shop" has bough tin anticipation of the gruffalo visiting.
DH and I have the one account that all money goes into, then we have individual accounts for pocket money with a DD to pay it in each month, such as it is, and PayPal is linked to our personal accounts. DH has only recently been earning. Before then he had to ask me for every penny which was not nice for either of us. He was a bankrupt before I met him, and we always knew if we were going to have problems it would be over money, as we are opposite on the scale. Thankfully he is awesome in the sack, and a wonderful Daddy.
Nickel, carphone warehouse are doing a sony smartphone for £7.50 a month for 250minutes, 5000txt and 500mb web.
DH has one and I ordered mine through topcashback and I got £35.35 cashback.
The screens a bit smaller than my iphone but I can at least sell that
to make up for the miele cat and dog vacuum I've just bought off John Lewis. .
In my defence, I am frugal so that when I see a bargain I can get it rather than fritter money away and not have anything for the important stuff and the cat is about to moult his summer coat all over everything so it is needed.
Moving back would save us a vast amount as things stand now, but right now we are not liquid as so much money went into the house. Education here is not of a high enough standard to use state schools, and a Uni qualification from Chile isn't well regarded. Healthcare, we could spend less but the Medical staff in the state hospitals are not as well qualified, facilities not good and we'd be charged private prices anyway because of being foreigners.
General costs, petrol is a bit cheaper, road fund licence is a percentage of the car's value, servicing is astronical. utilities are hugely expensive. We built our house, as steel peaked at over 3 times the price we budgeted at, OH insisted on UK type insulation so our bills are practically nothing. Our friends and neighbours on the other hand can pay up to £1,000 for one month's worth of gas in the winter. The last house we rented, before prices rocketed, we were paying between £500 and £600 per month to heat the house in winter. Water is expensive too, although were we built we own the land rights relating to the water, so it's cheaper than other areas. Vet bills are cheaper though. School uniforms about the same. We have to buy things like hockey sticks , and the text books each year.
Food, it really depends what you eat. OH likes to have meat/chicken at every meal and I haven't found a butchers that I could trust. In summer you find the butchers by smell. Fish isn't kept on ice like in Britain other than in the supermarket. Fruit and veg is still cheap away from the cities and locally I buy shelled walnuts and almonds for £9 a kilo. I have to be careful with other things, cereals, bread, fruit juice etc because of the amount of chemicals a lot of them contain. 2 of us are allergic to tartrazine and it's in most locally produced cereal, biscuits and sweets and a lot of yoghurts, ice-cream and bread too. I'm working towards changing our general diet, DDs don't like it but resistance is futile!
Food prices have gone up here the same as everywhere else, both food out and food in the shops. About 5 years ago I was paying 60p for a coffee, now the same is nearly £2. Everything else has raised along the same lines. OH was under the impression that you can still buy a litre of fruit juice for 50p, he drinks gallons of the stuff at about £1.60 a litre and complains if it runs out.
I avoid imported food as much as possible, can't bring my self to pay £7 per kilo of plums from the US when local ones are less than £1 per kilo when in season.
A lot of people think of South America as being cheap, but Chile's economy has been booming for a good few years and the bubble looks like it's about to burst.
The poorer people here just don't use heating, or Drs, dentist, vets. They don't eat meat, at all. The very rich don't notice. We had a lady working for us once whose mother was dying from diabetes because between 10 adult DCs, all working, they couldn't even afford the bus fare to get her to the capital to see a properly qualified Dr. Local Dr couldn't help. We gave her the money to get the mother the care she needed and sort out her insulin doses.
adora I am not sure I could live there it sounds so romantic and exciting in theory.
Exactly how I'm feeling. It is a beautiful country, has a lot going for it but the rich/poor devide is becoming a chasm. That's why there were student protests last year and now they are occupying schools in the capital, trying to bring about changes to give everyone access to the standard of education in the private sector. Crime is increasing at a worrying rate too.
Anyway, back to penny pinching all I spent today was £3 on road tolls.
It sounds like swings and roundabouts in Chile, adora. And you sound like a very nice person, good for you for paying for that lady's healthcare.
Big purchase this morning - was the high bidder in an ebay auction for a double buggy. So that's £250. EconomyBaby isn't due until the new year, but getting big purchases out of the way now as December is always expensive with Christmas (although am getting ahead of the game this year), car insurance, tv licence etc etc.
Need to do Aldi shop today. Gutted that I missed out on the voucher yesterday, fluffy. By the time I read your post I was in for the day (knackered after biking to/from town and pushing EconomyBoy up/down a massive hill to the park). Sent my husband to Sainsbury's on the way home from work on the off chance they had a copy of the Mirror left, but nope. Still, it will encourage me to keep the total under £30!
economy what buggy did you get? I love buggies, and having just bought a double I am interested in them in particular. I got a PnT and am bidding on a raincover for it. I also have a Mountain Buggy Terrain Double to use from the house as I have lots of steps the PnT cannot manage. The other will live in the car. I should be able to sell both on for more than they cost me as they were bargainous. We all have our weaknesses
Oh now I'm worried about buggies! Was going to sling the baby and keep 18mo DD in the buggy (she'll be 21 mo when baby arrives). We have a spare buggy, so with DH both DC will have one. Will I need a double when alone? Will keep an eye on freecycle/ebay perhaps.
NSD so far (well apart from weekly shop online, but nothing in excess and I had ocado voucher and quidco cash back to use), and as I'm home alone working, this should stay this way!
holler a sling would be the frugal thing to do DD2 will be 2.5 when DS arrives, in October. If she were a bit older, or he was a summer baby I would probably not have got a double. It is the cold (Scotland) and her being that bit younger, and liable to run away, that helped me decide. There are some good threads on Pushchairs about deciding what is best for you. I got both mine from eBay, both new, but at crazy prices. I was very lucky. It is worth looking out for local pick up only ones as they are often cheaper. It is best to view a double as a rental, unless you have twins, or very close in age.
I look fat in a sling as well
Look fat full stop, but even fatter in a sling.
holler - DS1 was 2 and a half when DS2 arrived, and I managed with a sling and a buggy board but he could already walk quite well although was prone to bolting off across carparks if I didn't have a firm enough grip on him!
Adora - it sounds amazing, but expensive if you want to have Western standards of healthcare/school etc. Would it be straightforward in terms of jobs?
Waitrose delivery came this morning, £99. Have got loads for that though, 2 big chickens, 1.5kg of mince, 1kg of pig cheek to use for casserole - £3.49! plus pizzas, milk for the week, cheese, bakery, cleaning and store cupboard stuff, and enough fruit and yoghurt to last until about Wednesday I reckon.
alibaba I am slightly fearful of pig cheek. Is it nice? Never even heard of it tbh.
Valium and holler, I got a P&T Vibe. Our son will be 21 months when the baby comes and, although he walks well, I walk a lot and he won't be able to manage the 1 1/2 miles into town (and the same back again). I imagine he'll also be a bolter (he definitely is now) so want to be able to strap him in if needs be. Oh, and it'll be January/February when the baby comes, so I won't want to hang around in the cold and wet waiting for him while he just toddles off to explore this and that.
To be honest, if I'm just going down to the local shops then I'll just sling and buggy, or buggy and toddle, but for the longer trips, or days out when there should be napping, then I want the option of him being able to have a seat.
I did think about doing without a double buggy, but decided to go for it, for the reasons above. Plus, when he's not in the buggy, the spare seat will be fab storage!
The buggy itself cost £230.66 and then I found the cheapest delivery quote to be £11 something. Then a couple of extra £s for time and packing materials. P&Ts seem to do really well on the second/third hand market, so I should be able to sell it on when I really don't need it anymore.
But, if you think you can manage it, then I think definitely save on money and just sling it! It's a completely personal decision - one mum I know very rarely used her buggy and just carried her daughter round in a sling all day. For me, a double buggy is best, but for you, it might not be.
economy vibe is lovely. I only have a sport, but I am happy.
Thanks, Valium. It's what my sister in law has - we test drove it at the weekend and liked it so decided to look for one of those. Not sure what the difference between all the models is, tbh! Now getting confused about whether the cocoons all fit this model, or if I need to look for a Vibe-specific one - a query for the pushchair people, I think!
Pig cheek is used in sausage rolls, iirc.
You've been eating it for ages and not even realising.
Bargain of the day - 20p each for Baby John Lewis tops and pyjama bottoms. Not strictly a set, think the tops are meant to be daytime wear, but for 60p (2 tops and one set of trousers), they can be pyjamas!
I am sure I have been eating much worse that pig cheek. I have just never noticed it before
economy good buy! Please say it was online <<hopeful>>
Sorry, forgot to say that it was a charity shop find, Valium. The first time in 16 months I've found any decent clothes for him in there though!
economy makes sense now! I love Charity Shops. Most of my kids clothes come from there. Come to think of it, most of my clothes come from there. Only DH gets new here
Talking of DH, he just called me to say he has bought a sauté pan. No idea why. Apparently it was so cheap at £20. So NSD for me, but as usual DH has let the side down. I am not well enough to go to the post office today
It's like the first time I sent dh shopping with no list, he came back with mince, two long sleeved cheap t shirts and an Ian Brown DVD.
DH isnt asked to go into supermarkets very often now, which was probably what he was aiming for.
Ha ha fluffy I should count my blessings then. It is a skillet and is lovely. I said the wok has to go and he has agreed. We never use it anyway.
We have Spar just opened today on the estate so he has taken the girls down there for the free samples. If he manages that it will be a miracle.
Valium it looks really nice meat, I will slow cook it I think.
I hate random DH purchases, especially when you are trying to watch the pennies. Mine is awful for buying bits for either his computer, his bike, or his car from ebay or other online places. Mind you, we have had nothing like that for a good few weeks now - maybe he is finally learning some sense!
Yes, it is a great place to live if you have money, or a company paying your ex-pat package, which we don't. My OH is independant. Most ex-pats here don't pay rent, bills, school fees, and I've heard them complain that the company doesn't cover the bill for text books as it's not a school "fee" .
Thanks, I couldn't have not helped out, it was simple maths. We could afford it at that time (not a lot of money by UK standards) and they would have lost their mother unnecasseraly.
Anyway, my plan to get birthday presents today has been thwarted by DD1 still being off school. I predict an NSD here, at last.
adora is her leg broken or just badly sprained?
Hey folks, busy busy at work so not checked in for a bit! Just realised Ive £55.73 left of my weekly budget this week...practically unheard of! Have milk and bread to get today but thats it...all in all, a good start!
The c was courtesy of a quick 2yo
Ive planned all meals around what I already had. What I needed to top up I got from local shop, avoiding rash buys at the supermarket. Thinking ahead for anything I needed from freezer meant things were ready for use...oh, and no takeaway!
I am trying to use up stuff in cupboards and freezer too.
Argh not a NSD today. We had promised DS1 lunch out when his glasses (first pair) were ready, so we went into town and out for lunch. I needed to stock up in Boots for our trip away in a couple of weeks, and DH needed a new dress shirt for his tux.
The real slapped wrist is that I have spent £100 on clothes that I don't strictly need. I got good discounts, otherwise I would have waited, but I am still a bit cross with myself.
Sounds like an expensive but good day alibaba
£1.86 today on posting my sick certificates to work. Sent it registered as I am somewhat lacking in trust.
I walked all the way to the post office pushing the buggy as well. Very proud of myself.
My task for this week is to make washable wipes and washable nappy liners. All with supplies I already have in.
Just badly sprained, thanks for asking. She's now able to walk but suffers after a short while. she'll be back to school on Monday, but off sports for two weeks.
I had another NSD, OH spent money on DIY things and new bedding for DDs and DD1 replaced the mobile phone she broke. Tomorrow we're staying home so I predict another NSD.
adora at least a sprain is cheaper, although just as painful. Poor thing, still young ones recover easier.
A mixed day yesterday - lovely in that we didn't spend much money (£1.50 on paper) but also noticed that some kind soul had rammed into my car (front passenger side) and dented the wing, broken the indicator and scraped the paintwork. Could have been like that all week, but yesterday was the first time the front passenger door was used. My sister in law's partner is a bit of a car pro, but lives 90 miles away. I sent him a pic and he reckons it needs a new wing. Going to get a quote this morning and then let him know what it is so he can tell me if it's reasonable. If it's not, he'll do it, but it'll mean an overnighter in Bristol with the inlaws, which isn't actually a bad thing.
Glad to hear you had a good week, mum2fergus, keep it up!
economy be sure to figure in the 180 miles petrol, but if you offset that against a trip to inlaws then it may be better. It is horrible whe people drive off without leaving a note.
Yeah, if he does sort it, we'd do it when planning a visit anyway. Guy this am said it would beva write off if going through insurance, but he could do it for around £400 if paying myself. His business isn't vat registered, so labour is cheaper than usual. Need to wait until after the bh for a more exact quote as he'll know how much he can get a wing for then.
I dont think you have to register for vat if your turnover is under £70,000 a year. I could be wrong.
No, you are right fluffy
I did not know that. MN is such a mine of information.
Well, his Yellow Pages ad says 'no VAT' so he's not being very secretive...not sure how it works, to be honest.
£77K is the cut off for VAT apparently. I thought you meant it was a tax dodge, ie not through the books. I confuse easily
Finally, finally managed an NSD
Well done creamegg did you just stay in bed all day, or did you resist temptation at every turn?
Em, we only left the house to go for a walk and I 'forgot' to get chocolate bars at the shop on the way back!
On holiday for a few days from tomorrow, so probably won't manage another NSD until DS is back at school.
Hope everyone is having a good weekend.
I had a no spend day too, total accident.
Done quite well here that past few days.
Thurs - £92 in Aldi, including £10 on nappies and £15 on a storage stool. Aldi is a 30 minute drive from us now sob so I wait until we really need to go. Cupboards are fully stocked now, and freezer is full, so should only need milk, juice, bread fruit&veg for the rest of the month
Fri - NSD. My parents came to my house and entertained DS's so I was able to get a batch load of baking done and frozen.
Sat - £48 in Sainsbo's. They have 25% off clothing until Monday, so I got new jeans and a top for me, work trousers for DH and waterproofs for the boys, and a few small bits of groceries.
Today - NSD. Went to a christening this morning, and then round to my folks for roast lamb this evening
Well done on the NSDs!
We've had sub-£5 days for the bank holiday, which I'm pleased with. We get through fruit at the rate of knots (we=me) so have to top up.every few days. I'm going to be using up freezer stuff this week, god knows what I've squirreled away in there...
Our changing bag is knackered and I've spotted a humumgous one on eBay for £35 (used but around £80 new) so might get that as I'm going to need a bigger bag for two in cloth nappies come the new year and might as well get it now.
Going to have to.use savings for car repairs. Hope whoever bashed into it has a nice big dent in their car, too.
Spent £11 today on three after school activities for DD1. Walking, dance and gymnastics. That is up until Christmas, and when she was at CM she could not do anything. Equates to about 30 hours free childcare
Have been working out my pay today. If I drop from 37.5 hrs to 25 hours per week, with savings in childcare and increase in tax credits, we would be £3000 better off per year. DH is not convinced. We had agreed I would drop my hours last year when DD1 started school, but because he dropped out of his PHD 3 yrs 9 months in, we could not afford to. I was the sole wage earner for six years, with the kids in full time nursery do he could study. I am dropping my hours whether he likes it or not. Grr!
Wow thats a big incentive! Could the child tax credit people look at the figures for you so you can "prove" to your dh that you got your sums right?
Just spent £31 in aldi, got loads. It's not easy to spend over £35 so I got extra cat food, pop for dh ( I wont touch the stuff), chickens and mince and spaghetti.
and choc for me, might let him have a piece.
He is worried we will miss out when the universal credit comes in. Nobody really knows what will happen. Even without the tax credits, we would still be £2K better off. Hopefully he will soon be earning more than £6K a year too. I used to date a fella who earned £100K plus. That was ten years ago. Sometimes I wonder......... But there is more to life than money, and he is very good in the sack.
ValiumQueen, sounds like a no-brainer to me. And your figures should be enough 'proof' for your DH.
Economy, hope you get the changing bag and I wish bad karma on whoever smashed into your car!
Just watching DS have fun in the pool on our first day of our Haven holiday. He seems to have made some pals . Going to treat us to tea in their cafe bar after he's finished swimming. Have spent just under £45 today. Hoping £105 will last us for 3 days. We'll see...
Ah, have a lovely break, CremeEgg - you deserve it!
The ebayer has taken her buy it now price off, so hoping I'm the high bidder...
Thanks Economy. Good luck with eBay.
cremeegg hope you have a nice break.
Well, I got the birthday presents. Including the DVDs I bought a couple of months ago I spent about £80 on both DDs. (art materials for DD1 and a nice costume jewellery set each) Much better than if OH had gone shopping even though still a fair but of money. They bought each other
tat presents from the local equivalent of Accesorize with the credit they've built up at Bank of Mum.
Also spent £30 in the supermarket yesterday and a few quids on road tolls. OH spent about £400 going to ER yesterday (see, my check-up last week was a bargain), they don't think he has anything major going on but want to do another test and he has to adjust his diet.
I've seen the local grocer selling his wears (sp?) by the roadside so I reckon the rent became too much. Glad he's still around and I shall now abandon the evil supermarket and go back to buying my fruit and veg from him.
economy did you get the changing bag?
Gosh Adora £400 to go to ER! I would expect a date with George Clooney for that!
£1.10 for reduced sausages for me and DDs for tea as a treat, and 39p for candy for DD1 on the way home from school, another treat. Not bad really.
That did include various tests, but I agree at least one date with Dr Clooney
Yep, got the changing bag . For less than the seller's original buy-it-now price (and that includes the postage), so their loss!
Just £1.50 yesterday. But today I need to go and get EconomyBoy's feet measured again as his first pair of shoes are now a bit on the tight side. So, I forsee expenditure in Clarkes. Also some stuff to get from £land/99p shop.
£36 on nappies. little lamb have an offer and I needed more boosters too . Also bought a reduced pastie 56p and spent £1 on mars bar 4 pack to celebrate my being free of my boot! Yay! Gonna have a go at driving shortly. Hope the car starts after 7 weeks.
Well done, economy, and glad you are free of the boot, valium.
DS is in a right strop, because I asked him to wipe down a few surfaces and sweep the caravan! I do love him, but at times, he is a right lazy so-and-so! Imagine claiming you don't know how to wipe down a table at nearly ten years of age!
Get 'em started early, Ladies, if you haven't already done so!
Great news, Valium!
Just paid £114 in advance for new car wing and will have to pay labour later. Hopefully will be under £250 overall.
£1 on stay and play session (my sanity)
Taken money from savings for double buggy (possibly could do it from current account, but MrEconomy likes to be on the safe side), that's £245.
Off shortly to be told that EconomyBoy needs new shoes, no doubt.
Today is EXPENSIVE
However, I did just stop myself spending £80 on a heated clothes airer from Lakeland. I think we will get one this winter as last year our house resembled a laundry with the constant drying of nappies. But think I've spent enough for one day.
Sodding car is playing up. No coolant at all. May be head gasket. Hope not as that sounds bloody expensive. Still, at least I could not go shopping and spend more money, or indeed use petrol. Car has been sat for 7 weeks on the drive, so I was expecting something, a flat battery or similar. I have coolant, but want advice from someone wot knows before filling it up. Do not want to get stuck with two kids and a 31week foetus sitting on my bladder, or indeed the car to crash.
Valium oh no I know nuffin about cars so can't help buy I hope you can get it sorted without too much cost. Glad you are now boot-free.
Well done on the bag economy and good luck with the shoes.
I need to get shopping today, haven't planned meals yet so I'm not going out until that is done. Birthday presents were very well received, which is always nice. OH then decided to take DDs out for dinner, which involved toll boths at peak price going but normal price returning. I don't concern myself with the resturant bills now, but tolls were £6 going out and £4 for the return journey. I have to go into town today but I can use the cheaper road and I'll be returning before rush hour anyway.
It's no wonder I feel like screaming some days
Car seems to be running ok after filling with coolant. I will keep a close eye on levels and if dropping quickly will take it to the garage. If I could wind back the clock I would marry a mechanic.
Road tolls would drive me potty!
No spend day, yay for me!
I think I did your share of spending, fluffy...
In addition to the stuff mentioned earlier, I ended up buying:
2 maternity dresses in the New Look sale (£17 overall). Hopefully one of them is smart enough to wear to a wedding in October.
1 x overpriced pair of children's shoes (£32). Persuaded the saleslady to let me buy 1/2 a size bigger than needed (she wasn't happy) so hopefully they should last until Christmas.
3 x toddler trousers, 1 x toddler cardigan and 1 x toddler jumper from H&M (£27 overall). Very very cute though, and not overtly boyish (ie not navy blue/camouflage/etc).
1 x toddler wellies as current ones are too small (£7)
The toddler clothes and dresses were impulse buys. This is why I don't like going into town these days - too easy to get sucked in.
Valium, hope your car stays well. I agree, a mechanic would have been a wise spousal choice. I never need any software developing, despite MrEconomy's expertise in that field...
DH writes me beautiful poetry.
And DD1 twists her already injured ankle again . Moré X-rays and this time a plástic boot, so £220 this time.
<wonders off muttering, shoulda married a doctor, shoulda married a doctor, shoulda, shoulda aaaarrrrrggghhh!>
Oh Adora.... isn't that just what you needed...
From next month, I am going to try to stick to a £45 budget per week for the main shop. It should be do-able for me and DS, both veggie (10 at the end of the month), right? The only thing that's worrying me is I think food prices are going to rocket, as surely several crops have been decimated by the heavy rain.We currently spend £55-65 on online Sainsburys. We don't have an Aldi or Morrisons near us and I don't drive, but we have got a Lidl a 5 minute bus journey away.
Wish me luck, folks!
Creme, I struggeled to spend 35 in aldi this week so I could use my £5 off voucher. I had to buy extra catfood, mince and a chicken as I was only up to £27.
That's reassuring, Fluffy .
I walked around with a calculator adding it all up.
Yes, I am now one of those people.
It was going to be a no spend day but Dh needs sandwich meat and toothpaste.
Lol! I think I should take a leaf out of your book, Fluffy, when I venture into Lidl next week .
Not much spent today
make's a change £3.40 on the roads and £6 on chicken. OH is on a restricted diet following his tests and so can't eat the perfectly good food I already have here.
In a foul, foul mood. My phone screen developed a fault - just stopped working all of a sudden. And Orange, despite me having insurance, are charging £25 as an 'administration fee'. If I had broken it, fair enough. But £25 for filling in a form to authorise a new phone? At least I made them phone me back on my landline, so I only had to spend 4 minutes calling them at an extortionate price.
Could you put in a complaint about being a loyal customer etc and ask them to cancel it out of good will? perhaps go on their twitter site?.
I got charged £35 to change my insurance address. I think big companies write on sheets of woven silk and hire calligraphers to paint the words on. With diamond and sapphire encrusted paintbrushes.
<puts Orange on list of companies to avoid, with Hastings insurance>
Named and shamed them on Twitter, only to be told that they understand my frustration but it's in their T&Cs so they really don't give a toss. We have orange broadband, landline and mobile, so really they get their money's worth from our house. I wouldn't mind so much if I had broken it, but the screen has just stopped working through no fault of my own. We get a great deal for our landline and broadband (£17/month for the two), so I don't really want to leave them. I guess all big companies are the same.
When I renew my car insurance I'm going to ring up the lowest quoting company and ask if they do admin fees and how much they are.
I've spent £70 this year telling them about a speeding fine and a house move and I'm miffed about it.
I'm sure theres a price comparison for BB etc on moneysaving expert, some are really cheap. I'm hoping to leave BT when our contract is up next June.
Maybe we all need to get wise to these admin fees.
Grrr, indeed, Economy.
Back from our holiday to find the food in the freezer was only semi-frozen. There wasn't much in there, but I chucked everything just to be on the safe side. Well, apart from one item, to test if it freezes again, so I can work out if it's broken down, or if the door might have been left ajar by accident (I'm blaming you, DS!). I could SO do without having to fork out for a new 'fridge-freezer now, although as it's 9 years old and the temperature control in the 'fridge is iffy (salad and veg. in the drawers sometimes goes crispy or even freezes), I suspect I'm on borrowed time with it anyway .
Fingers crossed it was just a door left ajar, cremeegg. Our fridge/freezer went last year (the week after our boiler broke, that was an expensive fortnight) - the freezer went into overdrive, while the fridge did nothing.
Oh and I managed to spend £35 in Aldi for the first time in ages. Stocked up stuff that we only have to buy every couple of months or so. Wish I had that voucher!
They don't publicise the vouchers though, I only found out on here.
I don't get a paper so I wouldn't have known otherwise.
economy I would complain long and loud about that charge, evils corporations are doing these th GS to make up the shortfall from slower sales figures.
In a concerted effort to improve our diet I bought fish today, so £5 in the supermarket and then £2 on salad locally. £2 on the roads and that's my lot until Monday. I've ordered an Xmas present and need to pay for it, also need to get costumes for the Independance celebration at school, DCs are graded on the dancing and appearance. Not sure DD1 will able to dance actually and she'll be graded zero if she doesn't.
Next week we're sending a bumper package to BUPA and keeping our fingers firmly crossed. Also really hoping OH gets some business in next week as the house is now at risk. Banks here give no leeway, so if we miss 1 month we lose the house.
On that note, hope everyone has a good weekend.
I'll keep my fingers crossed for you, Adora. I really hope things pick up for you.
I'm hoping the freezer door was left ajar, as the test item eventually went harder, and the burger baps I bought last night seem to have frozen overnight. Phew!
New thread for all that want to carry on with this money-saving malarky...
Thanks cremeegg , I have everything crossed at present.
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