Judicious January - Long may the credit crunching continue

(731 Posts)
roguepixie Tue 01-Jan-13 12:03:15

So, the credit crunching team are into Year 2013. Happy New Year everyone.

Let's continue our cost-cutting, , money saving,penny and pound pinching, NSD ways.

BoffinMum Tue 01-Jan-13 12:04:07

Hello, I have not been on a thread like this since February or March last year, but I am up for spending as little as possible for a while.

milk Tue 01-Jan-13 12:47:16

I am in! I need to save!

Fluffycloudland77 Tue 01-Jan-13 12:57:18

Thank you for the new thread, I have been racking my brains all morning and not come up with a thread title.

So I was reading on mse that from April we can all pay our council tax over 12 months not 10. It will save us £20 a month on our outgoings.

I was going to do my food shop today, but Aldi is shut.

I referred dh as a new customer to topcashback so I should get £15 back for that when he spends something via them.

Helenagrace Tue 01-Jan-13 13:50:29

Oooh a nice new shiny thread!!

One of my resolutions us to buy no new books this year and read only books I have or books I can borrow. The library shall be my new best friend. I should save £20 a month.

Also not buying glossy mags this year as I've realised that most of the articles are recycled from previous years or other mags. I have loads of recipe books, am going to look at blogs for styling tips and i don't need home decor tips as we're now renting for a year! That's another £20 a month.

Considering dropping one of our EH or NT memberships in favour of the Historic Royal Palaces membership. I'm on the lookout for an offer for that.

I'm also going to visit supermarkets more and do online shopping less. I think I miss out on bargains by shopping online. I'm a list shopper so I don't impulse but that often. We shall see if it helps save!

I've ditched my tumble dryer - mostly because it doesn't fit in the new house. I am coping with getting the washing dry so that must be saving us quite a bit.

I didn't realise you hit rewards for recommending someone for topcashback. Does anyone want to recommend me because I want to join up this week?

economymode Tue 01-Jan-13 14:15:59

you beat me to it, rogue! Thanks for starting us off.

I can recommend you, Helena - pm me!

Keeping this short as our flipping router has broken again so only have internet on the phone, which is a pain to type on.

It's going to be an expensive month here, as car insurance for both of us is due. When we have internet back, I'll shop around for the best deal.I also have to renew my driving licence (£20), and since they need a new photo, I'll look like a beached whale on it for the next 10 years or so.

NSDs aren't that realistic when I have a toddler to.entertain in the winter months, but I aim to only do playgroups that cost 50p/£1, not mega-pricey classes.

And when economybaby arrives, we'll be going out even less than we do now, so that should save us some pennies.

Alibabaandthe40nappies Tue 01-Jan-13 14:29:22

Happy New Year everyone!

NSD here today.

Good job after yesterday which was panto (tickets paid for already), ice cream, parking and then a takeaway pizza. Ouch, but the DCs had a great time so it was a lovely way to end the year and well worth it.

DH still has no work lined up, but there are a couple of things in the pipeline so hopefully by this time next week we will be close to having some income again!

I'm in. I spent hours yesterday working out income and expenditure for the first quarter, it was well worth doing.
I called Hydro electric and increased our bill to get rid of the arrears.
I called sky and reduced our package to £48 for tv, phone and unlimited broadband.
Cancelled my spotify subscription.
Basically the budget is down to the bare bones, with sky being our only luxury.

If nothing major happens we should have £1800 saved by end of march, which will pay for DH's offshore training.

We have stopped smoking as of today, having no alcohol for the next three months, wish us luck.

Fluffycloudland77 Tue 01-Jan-13 15:09:09

Good luck with the no smoking, when dh gave up the clinic said to use two NRT, eg gum and micro tabs or patches and micro tabs etc. I think NRT is free sometimes on prescription if you go to the dr or clinic.

It's harder than heroin to give up so don't try cold turkey, it's murder.

Helena, have you thought of a kindle? Ok it's an initial outlay of £69, but there are so many cheap and free books. I've been glued to a 20p Jack the Ripper book for 3 nights. Plus you can get cashback off topcashback if you get one via currys. You'd save on petrol and parking fees for the library eventually. Plus library late fines. blush

AdoraJingleBells Tue 01-Jan-13 16:19:33

Rogue thanks for starting us off for the new year, great title.

Ali glad the DCs had such a great day out, fx for DH's work

Terra good luck with stopping smoking, I'd take Fluffy's advice and get some some support. those evil tabacco company bastards put additives in to make their product ^even more addictive^

Yesterday we only spent money on road tolls, £6 driving into the city for a lovely party at a friend's house. NSD today, but tomorrow I'll need diary and fruit/veg. I'm going to take cash out for this week and have a look at a delivery website, see what their prices are like.

economymode Tue 01-Jan-13 17:57:04

Helena - I'd love your tumble dryer at the moment! Have just unearthed three mega boxes/bags of baby clothes from the attic. All damp and all need washing. But it's the drying that's the problem - no way I can dry it all as well as our usual clothes and nappy washes. Think I'm going to have to brave the very local launderette. Wish it was outdoor drying weather!

flossy101 Tue 01-Jan-13 18:17:45

I am in! Been lurking on these threads for ages, and I am determine this year to start putting some money away. I am on maternity leave for another 6 months so need to cut back abit anyway, and also want to build up a bit of savings I watched a programme not long ago about how many pay days people are away from trouble, and it's inspired me to try and be more frugal.

Anyway, no spend day for me today, so off to a flying start wink

BrianButterfield Tue 01-Jan-13 18:24:25

I had an idea this morning - I call it ReJanimate. Basically you use January to bring unused and unloved items in your house back to life - start using up those toiletries, wearing those clothes, rotating toys so they all get played with, cooking with those tins and packets in the cupboard. Just find one thing a day to use!

I made a blog but I don't know if I'm allowed to link to it? Anyway it's in the bloggers topic.

ClaraOswinOswald Tue 01-Jan-13 19:21:40

I'm in. I went to the supermarket before closing yesterday and filled my freezer with enough meat for a few weeks. I'm hoping to slash our spending this year.

I also want to declutter so will start selling on FB/ebay this week.

BoffinMum Tue 01-Jan-13 20:17:02

Well, I have scanned 40 DVDs and CDs into Magpie Music to see what they are worth, and it's only adding up to £26, which is not that impressive .... is this the best place to sell things like this?

Evening all, NSD here. We're eating out of the freezer for the next couple of weeks as courtesy of British Gas we're getting a new Fridge freezer. Plus we've seen one that we prefer which is less than we're being given so I'm going to have £300 almost to spend in Currys smile New kettle is a definite but I must let DH have a spend too smile

ClaraOswinOswald Tue 01-Jan-13 20:50:06

Even if you sold your dvds and cds on FBfor £1 each you would get more.

Fluffycloudland77 Tue 01-Jan-13 21:00:23

If you ordered your fridge etc online you can get cashback off topcashback, might only be a few £'s but it all adds up. I check everything out in store then order online or I check in John Lewis and buy off appliance online.

Dh took loads of DVD and cd to work and got £35, he was selling box sets of DVD for £5.

Bugger DH has already ordered it sad

Mum2Fergus Tue 01-Jan-13 21:33:35

Hello folks...thanks for the new thread smile NSD today. Need to rewrite my fridge/freezer/cupboard contents list in the morning and get some meal planning done...should have plenty to see us to the weekend.Tough 2 months coming up as I pull together enough to cover our moving costs!

HearMyRoar Tue 01-Jan-13 21:45:16

Hello! Can I join, I have been lurking like a creepy stalker for ages now, waiting for the right time to join and I have decided that time is now. Hurrah!

Anyway, first NSD today so very pleased with myself already. smile

Hi, can I join too? Have 5k on credit card for first time ever and am determined to pay it off by the end of the year. We had a 'financial summit' this evening and decided on an £80 cash budget a week which should cover everything except school dinners (£20) and fuel. I'm hoping that physically having(or not having) the money will stop unessential spending hmm

Oops - forgot to add - will also be doing some serious meal planning too.

Adversecalendar Tue 01-Jan-13 22:17:28

BoffinMum I took some DVD's to a local market stall and got fifteen quid for twenty of them.

SoftKittyWarmKitty Tue 01-Jan-13 22:42:52

Can I join you, please? I've got a credit card to get rid of, plus an overdraft (which I go into every month). I'm a lone parent with a pt job and don't receive maintenance, so money is tight. My road tax is due next month and god knows where I'm going to find the £195 for that sad. Have listed some items on eBay so hopefully they'll sell and that can go towards it, otherwise it's on the overdraft, as usual.

It's such an uphill battle, isn't it?

Living Wed 02-Jan-13 05:41:46

Can I join as well? Trying to curb the unnecessary spending in a bid to get enough savings to go on the 'big trip' earlier than planned.

Inlaws visiting for a couple of weeks later this month so going to be tough to save much!

BoffinMum Wed 02-Jan-13 08:57:52

So far spent £1. On parking at local beauty spot.

roguepixie Wed 02-Jan-13 10:12:49

Morning All ... and welcome to all the newbies and de-lurked lurkers grin.

It's been one NSD after another here at Chez Rogue - the only spend has been an online food delivery...feel very proud of myself.

RogueJr got a new kindle (paperwhite????) for Christmas but I am limiting him to downloading free books at the moment - there are so many classics available for nothing. Although the outlay for the device can be high, your costs for books are then reduced and there are lots that are free.

Need to do a freezer and cupboard check soon as I recently ended up with three bottles of mayo.

nkf Wed 02-Jan-13 10:15:42

Happy new year to everyone. I am so motivated to turn a corner this year.

jenduck Wed 02-Jan-13 10:16:17

Can I join? Have been on these threads before but given up as very disorganised busy! Hoping to move house soon, so really want to save as much as possible.

Didn't spend anything yesterday, so that was a good start to 2013!

Been to Tesco this morning, spent £16.17 on a top-up shop - milk, cereal, spuds, cheese, yoghurts, some reduced Xmas cake blush, toothbrush for DS1 as we seem to have left his somewhere hmm & a few other essentials. Our 2 freezers are pretty much full of meat, fish & some veg (all yellow stickered!) & we have lots of stinky cheese & veg left from Christmas, as well as 7 tins/boxes of both chocs & biscuits, so foodwise should really only need bread & milk for rest of January.

Also in Tesco, took back a Fireman Sam set that DS1 had been given a duplicate of, but didn't have receipt, so was only able to exchange for something else from toy dept for same value, £10. DS1 chose something off shelf that was marked £10, but it came up as £7, so had new toy plus £3 change!

DH & I are starting to save all our £2 pieces in a money tin that can only be opened with a tin opener, after reading on here that somebody had done that & opened it after 3 years, to find £1800!

Hopefully going to be another NSD here but definitely not tomorrow as I have to go to town.

roguepixie Wed 02-Jan-13 11:34:11

Hello again jenduck, I remember you smile. Glad to see you back on the thread. I am doing the £2 thing too - I have done it before and it's amazing how much you can put aside ... think I got to £90 last time.

Meant to clarify above - only spend since 24th December has been an online food shop - all other days have been NSD's!!!!!

Am swapping my mobile provider to giffgaff - for a £10 goody bag you get lots of minutes, texts and data downloads!! Far better than the £20+ I am paying Virgin at the moment.

Want to buy a sewing machine - not much in the sales that I am interested in so am going to check out my Ebay sales money and see if I can get one with that.

nkf Wed 02-Jan-13 11:53:20

I am going to empty coin collection into one of those machine thingies. And then use the voucher/cash in store. Which would deliver more for my money? Tesco or Morrisons?

IamMummyhearmeROAR Wed 02-Jan-13 12:39:25

I was here last year and did well for a few months. My dh kept derailing things but now I have a part time job so I feel more in control of money now. I have £150 on my credit card and £180 on my Next account which are priorities for me. I have signed up for online banking on my own account which has seen little action due to me being a SAHM( have joint in another Bank with dh) and am saving a bit too every month

MOT and tax due the end of the month so this is a tight one. Good luck everyone

jenduck Wed 02-Jan-13 12:47:13

Hi again Rogue. Am always a bit nervous when someone says they remember me...

Nkf, don't do it in store, I think they take 8% of your money! Either use your coins in the self-service tills or, if you can, take them to a bank. You may not be able to pay them in over the counter, but bigger branches have machines like Coinstar which take & count your change & credit it straight to your account.

Mum2Fergus Wed 02-Jan-13 12:52:41

Fridge/freezer/cupboard contents rewritten...have plenty to see us through til w/end except for fresh milk and water. Decorations down and packed away, not going in loft, plan to clear space somewhere(?!) and start packing for housemove...decorations will be first contribution lol...some serious Ebay/Gumtree action in the next few days too. Hope everyone is doing well?!

Mum2Fergus Wed 02-Jan-13 12:53:15

Water?! I meant bread lol

HearMyRoar Wed 02-Jan-13 13:52:05

Just going over accounts for last month and thought we had done suspiciously well only to realise that dp's work are over paying him, so it turns out we were actually over a hundred quid down as i am assuming they will want the money back. sad

So far today I have spent £10.59 on some mouthwash, frozen salmon fillets, frozen peas and green beans, and some sponges. Currently debating whether I need to pop to sainsburys and pick up a few bits for tomorrow or whether to go in the morning. Decisions, decisions...

Anyone else use moneydashboard.com? I signed up a few months ago and it currently rocks my world. I've linked up all mine and dp's bank accounts so I can see everything in one place. Also it has lovely graphs grin

flossy101 Wed 02-Jan-13 14:20:05

Looking like another no spend day for me here. Was going to meet friend for coffee but DS poorly so stayed home.

DH back to work today, he is the main culprit for always wanting to eat out, have sent him to work with a packed lunch so no spend for him either.

Have meal planned for the week so feeling very positive, even though its only day 2...

Fluffycloudland77 Wed 02-Jan-13 15:24:53

Rouge, have you checked out car phone warehouse? They are doing £35 cashback on new contract phones, I got a talk mobile Sony smart phone for £7.50 a month with free minutes and data etc.

Talk mobile Use Vodafone network the same As giff gaff use O2.

£2.40 for milk and smart price pickle for my sandwiches for work, I'm going to batch make corned beef and pickle and then freeze them so I can just chuck one in the car in the morning.

Hello to all the new de-lurkers! I knew we had lurkers. Knew it

Pretends to not remember Jenduck

NSD yesterday and today.
Probably tomorrow as well, DC are full of the cold so I won't take them to toddlers club, saving of £3 smile

Until Saturday we will be living out of the freezer/cupboard, so am hoping to have NSD tomorrow and Friday.

roguepixie Wed 02-Jan-13 16:20:46

Jenduck - it's all good grin. Just remember you - along with BoffinMum and IamMummy. It's good to see so many returners, de-lurkers and newbies.

Fluffy - I will check that out, that sounds like an excellent deal. The good thing with giffgaff is that all calls to other giffgaff users are totally free. So, as DH is on giffgaff and we will move DS onto giffgaff too all calls between us will be free!

flossy, if you can get the freezer/larder contents listed it really cuts down on duplicate/unconscious spending and then if you meal plan on top of that, it can really cut the food bills down. Packed lunches are another good cost cutter. Sadly DS's school won't allow packed lunches, they all have to have school lunches which, whilst good, cost quite a pretty penny!! Still, it's a good meal in the middle of the day.

Decorations are coming down tomorrow - then the real January clear-out begins.

GaryBuseysTeeth Wed 02-Jan-13 16:22:48

Room for another delurker?
NSD yesterday & today....will try for 3 in a row tomorrow!

People who've contacted sky to reduce your package costs; do you threaten to walk, or just say 'I've been here 4 years, what can you do for me?'

Council tax is paid over 10 months instead of 12, so we should have an 'extra' chunk the next few months.
Going to investigate what's free/cheap, inside & local for DS (1yr old)...only so many time you can freeze your babies bum to a swing grin

jenduck Wed 02-Jan-13 16:46:50

Aw, thanks Fluffy & Rogue, I obviously made an impression grin

Gary re Sky, just threaten to leave them. Or actually leave them then rejoin. Sadly, they seem to value new customers over loyalty.

For your 1 year old DS (I have one of those, too!), do you have a local museum? Mine loves to wander about inside, playing with the interactive displays & there is a little room you can take your own food into, which has a few books & games, too. Plus toddler groups when they start up (next week round here). Church ones tend to be cheapest, I go to one which charges 50p per family per week, but saves it & puts money towards a mums' Xmas meal (they pay first £5) and one which, and another which says donations voluntary, so I give 50p per week to them, too. If you have a local library, they will do Story & Rhyme time for free. A wander round the supermarket can also take up a good hour or so! Finally, meet up with other mum friends, take it in turn to host & others bring cakes etc?

Fluffycloudland77 Wed 02-Jan-13 17:24:42

Threaten to leave BT. £6 off a month straight away.

economymode Wed 02-Jan-13 17:34:46

Thrilled to hear we are popular enough to.be worthy of lurkers! Hello smile!

Got a huge shock as Orange billed me £80 for my last phone bill. £18 package, £6 insurance and £25 for a replacement handset. But then a mystery £30. I got all uppity on the phone with them and was adamant I didn't make the calls they said I had. I also used 3 times as much data as usual. However, I think I did make those calls, chasing up fricking useless couriers, companies and insurance providers. Still no idea about the data though, but it has taught me to always check my bundles in the morning, so I can hold back on calls etc if nearing the end of my credit. But if people did their jobs properly and didn't need chasing up, I wouldn't have this problem. They were all landline numbers via saynoto0870, but ut seemingly added up.

Plus our shower hose packed up this morning so we had water coming out of that, but not the shower head. So £6.49 on a replacement one from Homebase. Oh and we had to have the kitchen tap replaced last week, so waiting for that £90 cheque to be cashed. Not the best start to the year!

Leilandri Wed 02-Jan-13 18:58:33

Hello all smile
Was too busy in December to check-in regularly, but I've read most of the month!

Have set ourselves a goal this year. We want to end the year financially in the black. We've been in the red for years due to combination of 2 lots of maternity leave in 3 years. Me going part-time, DH is in commision based sales, so his wages fluctuate, and we've moved house too.
We currently owe - £900 to nursery (due to cockup by tax credits), £225 to my parents, £180 to several utilities and £750 is our overdraft. shock

Have made inroads into nursery debt this month, we hope to have that cleared by Easter. then we'll pay back my folks, hopefully by June, and that will leave 6 months to clear the overdraft. It's going to be tight, but I'm determined to do it smile

HearMyRoar Wed 02-Jan-13 19:23:27

Just adding on £15 for nappy liners and £2.50 for food bits to the £10 I spent earlier. All done for the day now though and hoping to have a nsd tomorrow.

Helenagrace Wed 02-Jan-13 20:01:08

gary when I recently left Sky they were falling over themselves to persuade me to come back. They offered me a free HD box and free multi-room for a year. I left because we've moved to a conservation area so we can't have a Sky dish. we have to have bastarding virgin who are so crap their box hasn't even lasted a month

Only bought bread and milk today and I just need food for Sunday so not bad considering I haven't had a shop since 20th December apart from bread, milk and fruit.

economymode Wed 02-Jan-13 20:33:49

Having done some sums, I can't see us getting through the month without dipping into savings. Not exactly the start of the year I had hoped for.

As well as the known expenses, we'll also have final gas and electricity bills as we've just switched providers.

I could cancel my haircut, but I haven't had it done for 3 months and won't exactly have the time or inclination with a newborn in a few weeks.

However, from next month I'll get maternity allowance and I'm tempted to set up a separate savings account and put 50% of that into it each month.

Leilandri, good to see you back and good luck with your payback mission!

On the plus side, our across-the-road neighbours have given me their wifi password, so I can piggyback on that until our new router comes.

AdoraJingleBells Wed 02-Jan-13 21:00:16

Just a quick update, spent £50 in the supermarket, bought lot's of ice cream and fruit juice to make ice lollies to combat our summer heat. Went to the local supermarket and their fruit didn't look so good, apart from mega expensive imports, hence the extra juice.

No roads today, but I did splash out £1 on a coffee.

I may have to go further afield later in the week to pick up dog food, it's cheaper in the capital than locally. I haven't planned my week yet, too lazy blush so can't say when my NSDs will be.

economymode Wed 02-Jan-13 21:40:51

Fluffy, you TopCashBack pro, you. A question if I may: how the hell do I view what cashback you are owed?

I bought house insurance through them in November but that is still not showing in 'my earning's. I also just did car insurance through them, but have no idea where I can see if that has actually gone through. Slightly perplexed, as all together, that should be £90 cashback!

Fluffycloudland77 Wed 02-Jan-13 22:15:17

It should be in "my account", it shows an overview of earnings and tabs for tracked, confirmed and paid amounts.

Big orange tab right hand top, next to log out button.

nkf Wed 02-Jan-13 22:20:48

NSD 1/10. Next one planned for Friday.

AdoraJingleBells Thu 03-Jan-13 01:59:26

I don't remember Jenduck, not me, never seen the name, ever wink

OH has done his company's end of year accounts to present to the tax office here. The final figure is most definitely red. Never mind, onwards and upwards. DD2 has an invite to a friend's house tomorrow, I may have to do something with her sistershock.

BoffinMum Thu 03-Jan-13 07:35:49

Just mentioning in passing that after managing to deal womanfully with the technology, I have been able to make my Austerity Housekeeping ebook free on Amazon for one day if you want to download it <proud>. You don't necessarily need a Kindle as it's also iPhone/iPad and PC compatible.

One or two reviews would be great <hints> winkgrin

BoffinMum Thu 03-Jan-13 08:31:15

OK, I spoke too soon. It will apparently happen some time soon, as it works on the Pacific Time zone plus a few random hours on the whim of Amazon. Check at lunchtime if you are actually interested in doing this. wink

jenduck Thu 03-Jan-13 08:48:32

Wow, I am famous [waves to adoring fans grin]

economy if you are owed cashback on Topcashback which is just not happening, you can send a nudge to chase it. Log in, go to customer care, then cashback claims. As an aside, I always used to claim cash, but now do Amazon vouchers as you get more eg £52 vouchers for £50 earned. And Amazon sell everything (including Boffinmum's book wink)

Heading into town today so must resist temptation to spend. Need to return shoes to Debenhams that DH bought me for Xmas & which I don't really like don't fit, so will hopefully get store credit to buy me some new jumpers. Also need to pick up new duvet from there (bought in sale with gift card smile). Will probably have drink & cake there as have full card for free hot drink & will share cake with boys. Then must pay cheque into bank, pick up small thing for DH at Wilko's, then maybe look at Card Factory's 7 cards for £1.

Also, the middle glass in our oven door has come loose, so need to get heat-resistant silicone glue for that. Have seen some at B&Q for £14, so not tooooo bad (compared to cost of new oven I was imagining!)

Hope everybody has a frugal day!

BoffinMum Thu 03-Jan-13 09:09:02

Ahem, today Amazon are GIVING IT AWAY FOR FREE! Just thought I would mention that. winkgrin

jenduck Thu 03-Jan-13 09:10:28

Of course Boffin, my apologies! Just giving you a little mention smile

BoffinMum Thu 03-Jan-13 09:12:21

grin

I should practise what I preach though, in terms of Austerity. I have just spent £80 on Amazon for DH's birthday present (noise cancelling headphones) plus a storage bag for DS3's train set.

Mum2Fergus Thu 03-Jan-13 09:42:12

Was hoping for NSD today however we have to head to Braehead (Glasgow) to the Apple shop,DP phone goosed. Braehead never a cheap day outhmm

BoffinMum Thu 03-Jan-13 09:52:09

I may go up to Waitrose without my purse and get a free cappuccino with the MyWaitrose card!

I just downloaded your book Boffin smile Thank you!

BoffinMum Thu 03-Jan-13 10:18:17

<happy dance>

hehehe, if DH reads it he might even start doing things my way around here.grin

CecyHall Thu 03-Jan-13 10:26:07

I'm coming to join you as I want to make some indent into our credit card but also save up towards a holiday for my birthday next Christmas.

I'm about to do my phone contract- I was going to go on to pay as you go sim as I don't use my phone all that much, but it says if I keep my phone on my current amount tariff (about £10.50) I can get £100 'credit' on the account, so I think if I've done my sums right it'll work out to approx £6.33 a month over 2 years.

However I'm a bit out of touch with PAYG, so I don't know if I'd do better just putting a tenner on every do often, as I only send about 10 texts a months and the occasional phone call. It's tricky knowing how long £10 credit would last to weigh it up.

I'm also going to work really hard at keeping to food budget, even if a couple of days a week we have carrot soup and dumplings and skim the remaining money into either credit card or savings (the CC is 0% for a long time and I have another bit of money going towards it too).

Almost a no spend day yesterday but then I bought a new recipe book on kindle, I shouldn't have really but I want to make every single recipe so I am pleased with it.

CecyHall Thu 03-Jan-13 10:34:41

Ps. I've just now downloaded your book too boffinmum many thanks!

BoffinMum Thu 03-Jan-13 10:43:46

11 people seem to have downloaded it since it went free! grin

ooh, this is actually quite exciting!! I haven't had this much fun online since I discovered extreme couponing!! (interestingly my Mac tried to spell check that to 'extreme coupling' which is not something I have tried but is probably equally exciting).

Happy Days smile Just had the post and British Gas have finally sent through the voucher for our new fridge freezer and the £70 cheque that they promised for all the good that spoiled due to their incompetence. Will be banking that later smile

BoffinMum Thu 03-Jan-13 10:47:02

That's good news, and you've just reminded my I have to chase John Lewis about my stolen washing machine (very long story).

Oh Boffin I would love to do some extreme couponing but don't know the best way to start. Seems that the UK are not really into it. <Waves from Peterboghorror!>

Helenagrace Thu 03-Jan-13 10:58:53

I just downloaded it too! Thanks for that smile

GaryBuseysTeeth Thu 03-Jan-13 11:02:30

Thanks for the tips re.Sky, will get DH to phone them later (his account).
No museums or fun stuff like that around here (West Kent is a cultural blackspot, unless you count putt-putt golf at Bluewater), will try out the library next week.

Cecy, texts on PAYG are normally around 10-12p, but looking at the Tesco sims, you might be better off with one of them?
I think you earn clubcard points with it too.

Boffin, will download your book later....you mentioned it might be free today grin
Hope you went through nectar for your £80 spend on Amazon!

2Old, hurrah for British Gas (said no-one else, ever) coming through.
Having worked in a retail job before, knowing what a pain in the arse vouchers/coupons are...I can never bring myself to use more than 2/3 at a time!

Does anyone know, roughly, when the next Boots 3 for 2 on baby stuff event should be? I need to get some stuff for DS but it can wait until then.

roguepixie Thu 03-Jan-13 11:21:15

Boffin - have just downloaded it too. Thanks for letting us know. Will defo review (glowingly). Love the correction by tech of "extreme coupling" - sounds exciting but perhaps a back support might be necessary winkgrin.

Adora, sorry the accounts are in the red. My DH had just been landed with a top-up tax bill of £1000+. It was his error (innocently made) but still needs to be paid. Yey, great start!!

Still NSD here. Will spend less than £5.00 later when I go to WI meeting (held in pub so will have diet coke).

ifso Thu 03-Jan-13 11:23:04

just downloaded it Boffin, it is beautifully written and I am looking forward to reading it when DCs are asleep later!

marking place on this thread, it's a goodun.

BoffinMum Thu 03-Jan-13 11:41:36

Bugger, didn't think about Nectar at all angry

BoffinMum Thu 03-Jan-13 11:44:48

2old2be, in actual fact it's quite hard over here but when I was at full flow I was getting 25% off my shopping every week with the help of the nice Waitrose ladies, who are even better supermarket shoppers than I am.

It relied on walking in there with a big wodge of coupons though, in a shameless fashion. I have also been known to pick up vouchers and price match offers from the floor in Sainsbos and Asda as well. grin

1stMrsFalalalalalalalala Thu 03-Jan-13 12:02:51

Hello, another lurker, inspired to join in by some very interesting/useful posts this time. Boffin I have already downloaded your book this morning after being recommended on another thread. Thank you for making it free! I will certainly try to review when I have read it.

DH has been out of work for 6m and we've been frugally living on our savings, for the second time in 2 years...

Have already cut food shopping, utilities, Sky is gone (Gary, I cancelled in the summer and just before the end of the notice period they offered me 4 months free. Have now cancelled again as still no income and hoping that by the time we have some money coming in they will offer us something great to come back. My dad has just been offered 75% discount to return after 6m). Reduced use of car (although petrol remains one of our biggest outgoings) and will shop around for insurances when they are due as I have always done. Sacked cleaner so now drowning in ironing!!! I managed to pay for all Christmas presents from eBay sales and Quidco cashback earned in the process. Now buying up presents for DCs friends birthdays for the year ahead in the sales.

Am looking for a job myself but after 4 years as SAHM am finding it quite difficult. I can't really do what I did before as it requires commuting into London, which I don't want to do now I have DCs and also, there are no jobs in this field in a recession, which is why DH is out of work, as we do the same thing. However, that's another topic!

AphraBehn Thu 03-Jan-13 13:01:43

Thank you Boffin Mum, I have also downloaded your book.

In return, I can tell you that CeX are best for selling cds/dvds etc. You can do it online and box up and send to them by freepost!

economymode Thu 03-Jan-13 13:22:56

Another downloader here, Boffin!

Thanks fluffy and jen. I've emailed TopCashBack as I can't find anything about the money I'm owed.

So, today Orange/EE finally sent us the new router. Except they didn't. Just a random cable that is no good to us at all. So I rang up and in my most passive-aggressive manner got a month's credit on our broadband. Why people can't actually do what they're asked is beyond me.

We were meant to be having the oven cleaned this afternoon (not done it since we moved in blush and I shouldn't be faffing around with chemicals in my state), but the guy has just phoned to say he has the vom bug, so I guess that's good for our bank account, but not for him.

Off to compose a very stern email to the broadband numpties (using my friend's internet because, you know, we still don't have it at home).

jenduck Thu 03-Jan-13 13:34:21

Back from town. A fairly successful trip in that I didn't spend much - £2.35 (on Debenhams Gold Card) on coffee for me, drink for DS1 & scone to share between all 3 of us, plus £24 in Clarks for new shoes for DS2 (were £34, plus I had gift voucher really they were free grin).

However, I didn't find any jumpers I wanted in Debenhams - they were all £15 or more & it grieves me to pay that when I know that in a couple of weeks they will be half that, so I will wait & see what is left then. Also, the 7 cards for £1 in Card Factory are thank you cards, for which we just send emails or plain notelets. Also forget to get DH's scraper blush

Have to say, I didn't know you could get Nectar points with Amazon - I've spent loads on there in the past shock Must do that from now on!

This afternoon, must download BoffinMum's free book grin, join Weightwatchers online (have code so £34.90 for 3 months, cashback of £32.32, so will be £2.58 for 3 months), book spa morning (DH guilt gift for the night he went out & got ratted after promising he wouldn't, which happened to be the same night that DS2 was up 12 times with high temperature & virus) & go to B&Q for oven sealant.

Also love the idea of extreme couponing. I have discovered that the Tesco self-service tills take coupons for even products you haven't bought, if less than £2 (bit naughty, I'm sure blush)

Fluffycloudland77 Thu 03-Jan-13 15:03:15

£5 for 20kg of chick crumb for cat litter, it was short dated. It ought to have been £8.

£7 on 6 bottles of co-op loo cleaner and two basics multi surface cleaner, it was all BUAV approved. Normally I get smart price sainsbos.

I have downloaded the book, thank you!

jenduck Thu 03-Jan-13 15:16:40

Have downloaded BoffinMum's book, thanks smile

KinkyDorito Thu 03-Jan-13 15:46:47

Feel like having a little weep over my finances. It's getting beyond a joke, and I have lots of money due out over the next couple of months.

I have enough to pay the bills, which I am thankful for, but I don't have much left over to make any headway into what we owe.

Signing in for some real lifestyle changes. No excuses in 2013.

BoffinMum Thu 03-Jan-13 15:54:52

It is a bit depressing, isn't it? I have been earning negative money after childcare and commuting costs for about three years, and I am really feeling it now. I am hoping this will be the year I move forwards, not backwards.

northender Thu 03-Jan-13 16:01:48

I'm in. We the decision to get all work on our house finished in time for Christmas (after 8 years in the house). We've funded that partly with 0% credit card spending, so we have 12 months to get the money together to pay it off without incurring any interest. It should be doable, but the sooner the better as far as I'm concerned. Hence I'm meal planning, selling unwanted stuff etc etc.

Today I've cleared out and reorganised the kitchen. It feels like I have my new kitchen back again smile. The kitchen was done 4 years ago but for most of the time since has been cluttered due to the rest of the ongoing work in the house.
So I now have some rather iffy looking prunes and apricots soaking in tea ready to be put into a tea bread. Also some very out of date haricot beans, brown lentils and chickpeas which I'm on the lookout for recipes for. Any ideas most welcome!
Am hoping keeping posting here will help keep me on track.

jenduck Thu 03-Jan-13 16:25:22

I have just spent the last couple of hours, whilst my boys were napping (lucky I know!) doing some online surveys. I have had £7.84 paid into my bank from doing Annabel Karmel surveys done over a few months & have joined Nectar surveys, where I completed a 20 minute survey for 100 Nectar points. Not a lot, but it all helps, especially if I say to myself that eg £7.84 is one pack of nappies paid for etc

TitHead Thu 03-Jan-13 16:35:18

Another delurker wanting to join here. Have made it my new year resolution to have a frugal new year.

BornToFolk Thu 03-Jan-13 16:37:14

jenduck do you do Swagbucks? I've been doing it for the past few months and have made about £25-£30 in Amazon vouchers. You earn points for things like surveys, watching videos (not that I actually watch them, just start them up and put the laptop down!), searches and other things.
I spend about 15 mins a night (possibly more if I get a survey, you're not always eligable for them) and make about £5 every 3 weeks. You can use your points to get various things but Amazon vouchers are most useful to me. Some people manage to get lots more (I've seen people claim to get £25 a month) but to be honest, I don't want to put in much more time than I currently do.

If anyone fancies it, pm me as I'm sure I can get extra points for referrals!

flossy101 Thu 03-Jan-13 17:15:06

Just downloaded your book boffin mum, looking forward to a read when baby goes to bed.

Spent today £1.50 on baby group, coffee afterwards and top up shop in tesco for £9.65. Have enough food to last the weekend and early next week now.

BoffinMum Thu 03-Jan-13 17:57:04

Sorted out £40 worth of DVDs/CDs and £40 worth of books for sale at MusicMagpie and WeBuyBooks respectively. Feeling quite virtuous now. Might go up into the loft and sort out some stuff for ClothesforCash as well. Then there's a bit of Ebaying to do when I have recovered, although I am going off Ebay a bit now the return rates are so low.

BoffinMum Thu 03-Jan-13 17:57:27

Off to have a look at SwagBucks now.

HearMyRoar Thu 03-Jan-13 18:14:02

Another NSD! Whoop!

Might manage one tomorrow as well though only because I am going to be in work so dp will be doing the shopping, so not sure it really counts.

nkf Thu 03-Jan-13 18:24:33

Please can someone post a link to this book that you can download?

nkf Thu 03-Jan-13 18:26:17

Can I ask - do people hope they can get through without spending. Or plan?

I've decided to have set days. I know that if I hope to get through I will weaken. And once I weaken, it will be all over.

choccyp1g Thu 03-Jan-13 18:32:56

I've discovered a good trick with Sainsburies loyalty cards. They work for anyone, not just the person whose nectar card "earned" them.

DS's dad (couldn't call him DP, but we get on well as friends) lives alone and spends very little in Sainsbury's whereas I use it for almost everything.
He occasionally gets vouchers for £2 off if you spend £20, while I only get vouchers for money off if you spend more than £70. He passes them on to me, as he is never going to spend £20 on a Sainsbury shop.

So over Christmas, when he stayed at ours, I popped in for a couple of pints of milk (and half price xmas goodies) so only spent about a tenner, and used his nectar card instead of mine, and guess what, out popped a £3 off if you spend £30, which is around my regular shop.

In the meantime, I leave the ones where you need to spend more than £70 in the trolley for someone else to use. So if you find one lying around in the trolley, use it.

nkf Thu 03-Jan-13 18:35:59

My son has got into the habit of checking to see if people have left those vouchers behind in the self service till. Don't know whether to be sad or proud.

One of my goals is save Nectar and Tesco points till the end of 2013 and use them for the Christmas shop.

Virgil Thu 03-Jan-13 18:42:01

Have also downloaded (and read!) the book boffin. A morning well spent!

Fluffycloudland77 Thu 03-Jan-13 18:49:10

Have any of you thought of switching to Aldi? Much cheaper than sainsburys etc.

BoffinMum Thu 03-Jan-13 18:49:39

I think links are being deleted but if you go to Amazon and put Austerity Housekeeping in the search box, you'll find it.

BoffinMum Thu 03-Jan-13 18:49:58

Glad you liked it, Virgil! grin

1stMrsFalalalalalalalala Thu 03-Jan-13 19:26:06

Aldi is a good 25min drive for me and diesel is already so much of my spend. I find shopping online at Ocado means I can really control what I spend and I try to buy my regular items when on special offer and freeze or store cupboard so I almost never spend the full price on anything. Meal planning for me is usually based around 2/3 things in the freezer that I've bought cheap. I do a shop at Costco every 3 months or so for basics - canned goods, pasta etc. too

nkf Thu 03-Jan-13 19:37:13

I really enjoyed what I've seen so far. Thanks, Boffinmum.

AdoraJingleBells Thu 03-Jan-13 19:51:56

Boffin is your book available on iTunes? I'm all Apple here and I can't find yousad. I do like what I read on the Amazon preview and I don't mind paying for it.

economy hope you get that cable sorted, good thing your friend has Internet, eh?

NSD here, DD1 is happy splashing around at home and DD2's friend is close, so no roads. Tomorrow I hope to pick up a few things in the sale as I have gift cards. I also don't like paying full price and the summer things will be on sale, with another 3 months of hot weather still to go. I'm looking for whatever linen items are reduced. Thankfully nothing big needs to be paid for until about March, when car tax/insurance is due.

Ali hope your tax bill is mangeable, even though it's annoying.

BoffinMum Thu 03-Jan-13 19:53:16

No, because it's exclusive to Amazon for 3 months, but the download is supposed to be Mac/iPhone/Ipad compatible if you download some special software.

AdoraJingleBells Thu 03-Jan-13 19:59:06

Northender glad you have your new kitchen back. Mine needs a sort out but I'm reluctant (ishoos) so I only do 1 cupboard every few months.

Bit of a spendy day today. But I managed not to buy anything at full price. DS1 got a new coat from John Lewis, £19.60, only 3.3 year old I know in an age 6 coat! New diary £4, calendar £3.49, presents for my DM's birthday on Monday £25, cards £5, card for the DC to make Thank you cards £2.33, A Jamie Oliver Recipe card tin for DSIL bargain, should have been £18.99 but got for £4.49 for her birthday in February smile Guitar plectrums and plectrum holder for DH's birthday at end of the month £5. Tomorrow I have to do the food shop but Saturday I'm going to aim for a NSD smile

Fluffycloudland77 Thu 03-Jan-13 20:00:07

Adora, download the kindle app and then you can get it.

AdoraJingleBells Thu 03-Jan-13 20:00:59

Thanks Boffin I'll have another look at it.

BoffinMum Thu 03-Jan-13 20:04:11

There are other books in the top 100 free books that people on here might like as well. For example I have just downloaded a Victoria Hislop short story and a book on decluttering.

Leilandri Thu 03-Jan-13 20:06:23

Another downloader here Boffin Thank you flowers

Spent £2.70 yesterday on milk, and £4 today on bread for the freezer. Also spent £1.56 over past 2 days in staff canteen blush will take sandwiches from tomorrow.
My sarnies will have to stay in my locker for 2-3 hours - what fillings are good when non-refridgerated? So far all I have is cheese and pickle sad

Have meal planned til the end of next week, so apart from milk and fruit, shouldn't need to spend anymore...

Leilandri Thu 03-Jan-13 20:09:51

Oh I forgot, I spent £4.50 in mothercare on some reduced Xmas mugs as gifts, forward planning already!
Also £10 (also in mothercare) on some super tiny babygro's for a new baby gift for friends. Got me all broody again for a moment!!!

So I will have some outlay on postage over next few days too hmm

northender Thu 03-Jan-13 20:46:04

I've downloaded the book too Boffin. Will read over the next few days, can only do a bit at a time as it's on my PC not a kindle.

The very dodgy dried fruit seems to have gone ok into a teabread but dh is going to test it shortly so fingers crossed!

Alibabaandthe40nappies Thu 03-Jan-13 21:01:23

Blimey this thread is moving quickly!

Leilandri have you got a little cool bag and freezerpak to use for your lunch? Then for 2-3 hours you could get away with all kinds of things. Ham, egg salad, tuna mayo. Peanut butter would be fine not kept cool.

Spendy day here, but no frittering and got some bargains.

£17 on presents for the children of friends who we are staying with this weekend - all much reduced in The Entertainer.
£6.92 on books in Waterstones, that was topping up a £40 voucher which my grandma gave the boys for Christmas, so we have got a lovely pile of new things to read.
80p - library fine blush
£6.27 - milk, salad, nappy sacks and a couple of other bits in Sainsbury's
£18 - new shoes for DS2, should have been £36 so a good deal!

Also spent about £40 on nappies, wine and food. Most of the food and drink was to take with us to visit family for a NY get together and meal yesterday which was lovely.

NSD tomorrow I think.

TitHead Thu 03-Jan-13 21:03:25

Just tried we buy books and moomox, grabbed 5 random books I had to see what they offered. They would only buy 1 at 52p sad

Crikeyblimey Thu 03-Jan-13 21:32:26

Just downloaded your book Boffin smile. Cheers. I'll have a gander and bung a review on later.

Badvoc Thu 03-Jan-13 21:42:27

Boffinmum...it won't let me review it! (Weeps) will try and add a review later.

LauraPashley Thu 03-Jan-13 22:25:37

Just downloaded boffinmum thank you!
Am also interested in the planning v's hoping NSD? I could probably plan not to spend the days I am at work but that is not really a challenge!

SoftKittyWarmKitty Thu 03-Jan-13 22:45:46

I downloaded Boffinmum's book onto my iphone earlier and it's great. Will review it when I've finished it and I've got the laptop out.

It's been a NSD for me today, fingers crossed for another one tomorrow. I've got some stuff on eBay which ends on Sunday so hoping at least some sells. I'm selling my iPod as I need the money so I'm hoping it sells. I actually sold it before Christmas but they buyer never paid so I had to open an unpaid item case and mess about re-listing it angry.

jenduck Fri 04-Jan-13 08:32:57

Morning all. Lots of people trying to sell stuff at the moment, I see, something I need to get onto myself once DS1 back at school & Christmas all packed away!

I am lucky as there is a dress agency across the road from where I work who take clothes from H&M upwards, which took a bag of 2 coats, 2 skirts & 2 tops for £12 before Christmas, which is not bad for little effort. They have a sister shop doing children's clothes on the same road. For other items I like Gumtree - no listing fee, can get people to pick up as it's local & can set price, so nothing goes for 1p!

Got DSes some 'new' clothes down from loft the other day & sorted them yesterday (90% of DS1's are at least third-hand, from my SIL & her SIL, then will go to DS2, then my DSis if she has a boy, then back to me for hopeful future DSes grin). A pretty good collection but need long-sleeved T-shirts for DS1 as only about 6, and thick jumpers for DS2 as only about 2 that aren't very bobbly. So can't wait to visit ILs again as can go to year-round car boot sale there (it pains me to pay more than 50p/item unless special occasion stuff when I know what bargains there are to be had!)

Busy & possibly spendy day today. Friend's house shortly, must pop to B&Q for oven glass sealant & Tesco for bread, milk & butter on way. Then this afternoon will go to local library to take back books, send MIL's glasses that she left here (have jiffy bag & stamps already) plus browse in charity shop. Also got to make a spag bol at some point. Getting really stuck for ideas for stove-top meals until oven mended, any ideas gratefully received!

BorntoFolk will definitely look at SwagBucks, thanks! I love surveys as you can do them whenever you have a spare 10 mins or so smile

Hope you all have a good day.

BoffinMum Fri 04-Jan-13 09:36:03

Badvoc, any more luck with the reviews? A total of 1500 people downloaded it for free yesterday, btw! grin

It's rather oddly on at £3.08 currently, but I have asked them to make it £2.99 including the electronic delivery fee, so the price will change later today probably. I hope people want to actually pay for the thing now - I have only actually made something like £12 so far ... this epublishing thing is so tricky!

Meanwhile I am wondering whether DS1 will notice if I flog his Naruto books ... wink

BoffinMum Fri 04-Jan-13 09:38:24

Incidentally, I don't know if I have mentioned it on here but clothesforcash.co.uk Clothes for Cash buy old clothes in reasonable condition by weight, for resale in Eastern Europe. They collect them as well. I am going to get all the 'Grade 2' children's clothes I have been hoarding in the loft and flog them this way. You get about £18 a bag.

BoffinMum Fri 04-Jan-13 09:39:08
BoffinMum Fri 04-Jan-13 09:40:46

Fuck it, one day I'll get the sodding link right.

www.clothesforcash.com

DorisIsWaiting Fri 04-Jan-13 10:00:18

Have you used the clothes for cash people before boffinmum as just looking at what they don't accept suggest the clothes have to be pretty much imaculate (and there's an awful lot they don't accept) so I would imagine you'd get a better price on ebay (unless you have lots of babygros / vests which have weight but but very little value...).

DorisIsWaiting Fri 04-Jan-13 10:02:01

ps I found this thread yesterday and it's spuring me on to do my budget, and try and get moving on some decluttering / reusing etc.

nkf Fri 04-Jan-13 10:02:33

A warning about those cash for clothes places. I used one and the amount they pay is very small even though the stuff I put in was in good condition. For the amount I got, I wouldn't bother again. Just my experience.

roguepixie Fri 04-Jan-13 10:19:20

Wow, this is moving really quickly!!! Thought I'd caught up then realised there were 2 pages I hadn't read!!!! shock.

So, my series of NSD's is going to stop today - am going to Costco to do the bulk-buy items (toilet rolls, shaving foam, deodorant etc) so that will be a little bit shock when I go to pay. However, I have been so good - no spending on most days - the only spend I have had since 21st December is one food shop so that's not bad.

Went to WI last night and friend bought me a coke so NS there as well - will be my turn to buy the drinks next month - good job we are such cheap dates grin.

A lot of these places have sprung up that buy your cd's, clothes etc - they do seem to pay absolute pennies though. I am getting totally fed up with Ebay though, so geared to the buyer now and not interested in protecting the seller at all.

On a good note I managed to get MIL house insurance (buildings and contents) down from £1800.00 to £550.00!!!! Went through Compare the Market so got DS a free Meerkat toy as well grin.

BoffinMum Fri 04-Jan-13 11:20:30

Doris, I take your point, but my experiences on Ebay have been terrible of late so I am happy to take a punt on ClothesforCash on the things I was giving to the charity shop anyway (who were also selling them for peanuts).

With the CD and DVD and book people I was only really interested in the total amount of money I would be getting, and art books as well as anything published by Vintage or by French existentialists made a lot more money than other things.

BoffinMum Fri 04-Jan-13 11:21:03

Tell me about Costco, people. How, when, where, tips? I need toilet rolls and so on.

nkf Fri 04-Jan-13 11:24:26

People who love Costco really love it. But I get the impression it's brand names at own brand prices. So not necessarily cheaper but of a recogniseable quality.

GaryBuseysTeeth Fri 04-Jan-13 11:36:26

Boffin, the individual membership is £25 (although you normally 'save' that in the first/second shop of the year), off the top of my (Costco addicted) head;
It's worth it for so many things; toilet roll, cleaning bits, spices, meat, veg, bread, tea bags, cereal, delicious cakes, razors, tinned tuna/tomatoes, wine.

But some things are more expensive; deodorant, most bath/toiletry stuff, baked beans.
So it's always worth noting how much stuff is in your usual supermarket (comparing the per 100g price is easiest for most things).

The only downside is because you have 40 mars bars in the cupboard you're more likely to eat one than if you buy a 4 pack each week...and storing stuff.

There is an executive membership which means you can shop at anytime, but the basic one is after 12pm every weekday, most of them are quietest around 7-8pm.
Most importantly you can get a beef hot dog & fizzy drink at their cafe for £1.50 grin

The lady who runs this blog normally publishes the coupon books a few days after they come out so you can see what sort of things are worth getting that month.

rouge, well done on the home insurance!!

Fluffycloudland77 Fri 04-Jan-13 12:34:40

I have Costco trade membership but tbh would drop it tm if mil didn't use my free card.

I find aldi much cheaper for tinned and buy marked down joints of meat etc, I'm going to start using Nicky toilet roll which is only a few pence per roll cheaper but I can get it with my weekly shop so less fuel.

The only thing I would miss is the kitchen foil. I think this may be the year that I ask mil to pay for the membership too. I don't actually get any benefit from it. hmm

BoffinMum Fri 04-Jan-13 12:46:46

Hm, I might have a look then, although I usually shop at Aldi/Waitrose.

BoffinMum Fri 04-Jan-13 12:57:33

'Appen I have seen the perfect wedding cake for people in the North. I can say this, being from the North myself. grin

[http://www.costco.co.uk/view/product/uk_catalog/cos_6,cos_6.4,cos_6.4.3/141249 Pork pie wedding cake]]

BoffinMum Fri 04-Jan-13 12:58:14
BoffinMum Fri 04-Jan-13 13:01:32

[http://www.costco.co.uk/view/product/uk_catalog/cos_6,cos_6.4,cos_6.4.1/141221 Jeffing Hell. These people are barbarians]]

I keep expecting the thing to get up and walk.

BoffinMum Fri 04-Jan-13 13:02:02
BoffinMum Fri 04-Jan-13 13:07:23

[http://www.costco.co.uk/view/product/uk_catalog/cos_6,cos_6.2,cos_6.2.2/141253 It's like the decline of the Roman Empire, the menu on here]]

BoffinMum Fri 04-Jan-13 13:07:51
BoffinMum Fri 04-Jan-13 13:17:01

This sauna looks great though

I have worked Costco out now. You go in for some mayonnaise and toilet rolls and come out with a suckling pig, pork pie wedding cake, and sauna as a cost saving measure.

economymode Fri 04-Jan-13 13:45:33

Think I'll be steering clear of Costco!

50p today on playgroup.

Yesterday was £5.something on cat food and £1.80 on three stamps. Oh, and £20 to renew my driving licence.

I've also just registered to do the Swimathon in April, to incentivise me to keep fit after the baby is born. That was £5.50.

flossy101 Fri 04-Jan-13 16:53:05

I've paid off my next account. There was £140.00 on it. I've cancelled the account too, it's far too easy to order things on next and pay when the statement arrives, and I hadn't been paying off in full, so quite relived that is done with.

DH went to the dentist this morning £17.50 for check up, but he needs o return next week for further work and that will be £70.

On the plus side his car passed its MOT despite being a rust bucket and this can be claimed back through work anyway.

Hoping for a non spend day tomorrow.

1stMrsFalalalalalalalala Fri 04-Jan-13 17:08:41

NSD today. Went to local children's farm (we have season passes which GPs paid for) with a friend and took picnic, eschewed a coffee in the soft play cafe and went back to hers for hot chocolate instead grin. Food shop arrives tomorrow, the first since 24th Dec and only £52 (we still have leftovers).

Boffin I am enjoying your book, but am in awe of the domestic godess level of organisation that I can never hope to achieve wink. It's inspiring though!

northender Fri 04-Jan-13 17:09:47

Good day again today as have been at work and dc were at my mum's. Going to friends' for tea tonight, taking a bottle of wine left from Christmas and a pavlova. Ds made the base with eggs we already have, frozen fruit from the freezer. The only spend will be cream.
As an update to yesterday, the teabreads from the manky fruit turned out lovely, now in freezer. Chickpeas have been soaked and cooked and sre now ready for freezing for use as and when needed (took advice from a survivalist website!!??)

jenduck Fri 04-Jan-13 17:19:58

Well, today has been every bit as spendy as anticpated! £6.60 at tesco on what I needed as well as a Xmas cheeseboard that was half-price, therefore cheaper than even cheese on offer, and some GU flapjacks that were £3 down to 60p, which I took to friend's house.

Then B&Q, where I got wallpaper border to de-Thomas DS1's bedroom & hopefully make it more attractive to potential buyers & a wallpaper scraper. So £18.44 there. They didn't have heat-proof sealant in store, so have found some on Amazon which is £9.99 delivered against B&Q's online one for £14. This does mean I'll probably be without an oven for a week or so, so desperately need hob/slow cooker ideas PLEASE! So far have: spag bol, risotto, curry, burgers & pork chops done in Foreman, pan-fried salmon with rice, takeaway

Finally £1.10 at Martin's as bought 2x3l bottles of milk for 30p each (one for freezer!) & some ham down to 50p from £1.25.

Don't think we'll spend anything tomorrow. Will be touching up gloss paint to try & sell house. We have some plus brushes in garage. DSes will go to my parents, so will aim to finish decorating earlyish & have grown-up evening of fish & chips, wine, Poirot & Scrabble!

I've never really seen the attraction of Costco as I buy 90% of stuff Value brand or reduced & Costco is more expensive than that! My grandparents love to go to get samples of all sorts there first thing & my dad got a scaffolding tower there to paint their house. I also get anybody who's going to buy me Marmite grin. Ours is also next to Ikea, so sometimes interesting to nip in there & get cheap brekkie/free coffee, but I haven't been for years.

roguepixie Fri 04-Jan-13 17:36:08

I have been a member of Costco for years. DH was working near Watford when they opened their warehouse there and he got an invitation to join, did, and we have been going there ever since.

It isn't that it's cheaper, it's that you can buy in bulk and get a small saving. They do sometimes have excellent offers - some that come to mind was olive oil which was a huge saving and rice (in recent years). They also do own brand stuff (Kirkland) which can be good - their shampoo and conditioner is excellent.

Today I spent £250 at Costco but bought: toilet rolls, kitchen rolls, nuts, shaving foam, deodorant, soap, beef, pork, sushi (treat for DS), San Pell water (treat for me smile, 12 x tins choppped tomatoes, sack of potatoes, rice, salame, 2 x books for DS, 12 x bottles of milk, 3 x packs of lavassa ; fruits: strawberries, raspberries, grapes, 4 x mangoes, 12 x oranges, blueberries, pomegranete, pineapple ... and more stuff I can't remember. The toilet rolls alone will last for 3 months +, the kitchen rolls are enough for the year, the potatoes will last the month +, as will the tins of tomatoes, lavassa etc so, if you were to go every 4-6 weeks your shop would/could be considerably less. Mine was so high because I hadn't been for 2 months prior to Christmas so had run out of lots. Also, it is worth remembering that the packs of grapes, strawberries etc are often bigger than the packs you would get at the supermarket - so you are getting more for your money. They are good for multipacks (cleaning products etc) too, making each individual item cost cheaper than some supermarkets.

Tbh, boffin, that suckling pig looks scary. That itself would not entice me to join. All said, it is great for those bulk buy items but I always shop very consciously there - it is easy to go waaaaaaaaaaaaay over budget.

I have also spent £299 today at John Lewis. I needed a new sewing machine and have been putting it off for ages but finally went in today to get one - it is my Christmas present from DH and DS. smile

Fluffycloudland77 Fri 04-Jan-13 17:46:25

The white company have contacted us to say 2yrs 10 months is an acceptable length of time for their fitted sheets to last before they get holes in them. So 17 months use each.

So you have been warned. angry

Obviously I will never buy from them again.

roguepixie Fri 04-Jan-13 19:04:20

Fluffy, that is shocking shock. I have stuff from John Lewis that has lasted 10 years +. I have just replaced a fitted sheet from JL that has lasted 12 years. I will not be buying from the White Co.

HearMyRoar Fri 04-Jan-13 19:12:26

Well, my nsd went out the window completely. Spent £2 on eggs from someone at work who has chickens, £2.50 on paracetamol for teething dd, and £5 on foodie bits.

Also got a massive tear in my work skirt that I have had for years. Thankfully it happened at home and not at work but now I'll have to spend the money I had planned for new pajamas on a new skirt instead.

Fluffycloudland77 Fri 04-Jan-13 19:24:23

Roar, I think the pound shops do paracetamol syrup for children. The drugs the same quality as there are set parameters for drug purity. Dh watched the chief scientific officer from the royal pharmaceutical society say this on tv and still won't have it that brand name drugs are phooey.

Rogue, I am furious. I have so much of their stuff. I have christy 300tc fitted sheets now from TK Maxx. £13 each and a box of pralines that jumped in the basket

Alibabaandthe40nappies Fri 04-Jan-13 20:03:57

Fluffy that is awful. I have got some of their stuff and the only thing that seems really good quality is a lovely woollen throw/blanket thing which I bought about 5 years ago. Clothes for the DS's and myself, and nightwear have all been a bit disappointing. Boden is cheaper, especially with a good discount and washes and lasts amazingly.

Not a NSD today after all. I took out £50 cash to use from today until I have another shopping delivery next Friday and spent £11 of it.

Tomorrow I need to fill my car up - £75ish I expect hmm

Fluffycloudland77 Fri 04-Jan-13 20:11:54

Ali, was it you who wanted the velour robe for Xmas? Cos if its faulty you've only got a few months to get it sorted.

Alibabaandthe40nappies Fri 04-Jan-13 20:41:23

It was, I didn't buy it.

I am seriously thinking of saving up and buying a v.expensive one in the sales next year - from Brora or somewhere like that.

Well today I didn't spend a penny, however this evening I went food shopping. £64 in Aldi and £30 in Sainsburys, I did get a couple of nice sleep suits for DS2 at £4 for two in that. Also anyone looking for a slow cooker they're doing big digital ones for £19.99 and also had half price bumbo seats, could be useful for someone. Aiming for a NSD tomorrow, lots of gardening to do that DS1 loves to help with so DH can keep DS2 amused while we're in the garden smile he's still a little too small to run around in our garden without full supervision as I have a lot of mature rose bushes he could prickle himself on sad

Ihatecobwebs Fri 04-Jan-13 21:54:14

Having been lurking for a bit, I really need to join to help my motivation level. We are in the black, but I need to review all our outgoings, as they seem to be increasing steadily, unlike our income.

This month is going to be expensive. DH car tax was due on the 1st, both our cars are in the garage, mine's been there since early Dec, DH's went in mid December, came out today, broke down again and is now back there. I am not looking forward to paying those bills, especially as I paid over £700 for DH's car at the end of Nov.

I have just got some extra hours at work, so am now working 4 days instead of 3. Unfortunately without a car, it means I have to use the bus to get home 2 days a week, £4.70 a time, plus paying for DS to be at after school club, as I can't get home in time to pick him up from school.

I need to sit down this weekend, and work out what can be reduced, and if there is anything that can go, and I'm not too sure what that is going to be. Fuel is our big outlay, DH works a long way from home, but has a job in a specialist industry so there isn't a short term solution for that one.

Today DS and I went into town to the library and groceries. £5.80 for the bus, 57p in Sainsbury's as I used the remainder of last year's nectar points to pay for the rest.

roguepixie Fri 04-Jan-13 22:20:49

Ali - there is a lovely cashmere robe from Rosie @ M&S - saw it in the new Woman & Home mag. It's beautiful but is £165 (I think). Don't know if you are interested in that or whether you wanted a cheaper option but if you are thinking about Brora you might want to have a look.

ClaraOswinOswald Fri 04-Jan-13 22:45:05

I have managed a NSD but DH is away with the kids for a few days and is probably spending loads so it doesn't count.

BoffinMum Fri 04-Jan-13 22:58:28

£130 stocking up at Tesco shock Got a new AP coming so wanted the fridge to look full. But it's a lot.

AdoraBell Fri 04-Jan-13 23:47:30

Aaaaaaaaaaaaaarrrgghh!!!!!

BoffinMum Sat 05-Jan-13 00:02:13

Fluffy I think the White Company are working on the basis that you use the same sheet constantly for over 2 years. hmm

AdoraBell Sat 05-Jan-13 00:03:36

Okay, now that I have that ^^ off my chest I can post.

We had our shopping trip, I got 3 skirts and 1 pair of trousers that may go backconfused, all with a gift card and 50% reduced. Other than that my costs were

Roads (always use the cheap one during school hols) £2
Snack £4 (DDs had to use their own cash for a treat later)
Reduced summer clothes for DDs £50

Then we went to the supermarket, it was a mistakeshock, we have to buy all school materials and DDs seem to have heeded my advice about thinking ahead. So, while I was carefully pricing up veg etc they were wracking up the pencils, erasers, biros, rulers etc etc. I remembered to look for mozzie repellent fluid for the plug-ins and ended up with a bill of £150. I've doubled checked, there isn't anything I didn't need to buy, and the till didn't over charge, I really did spend a hundred and fifty bloody quids. At least all the school stationary is bought though.

I'm off to cook and drown my spending sorrows I'll finish off catching up later.

I have fallen out with the White Company too over a pair of socks that fell apart after three weeks. They were blush £45 and I was told that I had 'misused' them. They were so rude to me that I will never use them again either.

How the hell do you misuse socks?

I am feeling quite smug, DH's hugely overpriced mobile contract with O2 has ended and I just got two smartphones with 250 mins (capped), 5000 texts and free data for £7.50 per month each. Through tesco mobiles.
Also get a family extra of 500 mins to other tesco mobiles. I'm so chuffed.

This was my first spend of the year smile

If anyone looking for a new deal I would recommend, ooh club card points as well.

We get paid on the 16th and are a bit skint til' then, but we have £50 tesco vouchers and £50 of vouchers for the local posh butchers.

Now, I have never actually bought any meat from a butcher shop shock always just go for the 3 for £10 deals in tesco.

Can anyone advise me of how to get the most for my £50? We will mostly be using it for casseroles in the slow cooker and stir frys.

I should not have worn them out of bed. Apparently, after close inspection of the photographic evidence, they concluded that I wore them out of bed.
If you need the loo, you take them off, walk, then put them back on again hmm

Jeesy peeps, I shan't be buying anything from them.
That is terrible service.

BoffinMum Sat 05-Jan-13 08:55:29

That's ridiculous. I'd take them to Trading Standards on that.

Fluffycloudland77 Sat 05-Jan-13 09:36:28

So basically white company is overpriced cheap tat.

Brilliant deal on the mobiles Terra, we know a couple in trouble financially, although they act like they aren't, who both have iPhone 5's. Only £45 a month EACH, they say it likes it cheap, but thats more than both our car insurances combined. Dh And I both have £7.50 contracts too.

roguepixie Sat 05-Jan-13 10:51:38

Terra, if most of the meat you will use will be for casseroles I would look at the braising/stewing steak (beef) - this is a cheaper cut and needs to be cooked slowly bo ideal for your purposes. Also, stir-frys: go for chicken or steak (see if they have any offers - my butcher will often have gigantic chicken supremes on a buy 4, get 5 offer). Another good, cost effective buy is a whole chicken - roast it (meal 1), extra slices for sandwiches (meal 2), pick off the last bits for risotto (meal 3) and then make stock from the carcass (good for soup bases and risotto liquid (meals 4+). A good, free range chicken will cost in the region of £9-11.

I think the White Co. are appalling - massive mark ups on items you can get cheaper elsewhere. I did get a lovely large serving dish in there once for a fraction of the original price but that was in the last days of their sale one January and I was just passing. I have their fleece dressing gown - it is horrible. It has gone really hard after only a few washes - and I use the right settings and detergents. They are a company that is only interested in selling to you, not in any of the after sales care.

Adora, just think - it was all necessary so nothing was overspent. It is only a mis-spend when it is something that is not needed. If you have checked and everything was required then, unfortunately, it is just one of those "catch up with everything" shops ... I have had them too - see aove for online shop and costco splurge ...all needed but quite a spend. Stiff drink??? smile

roguepixie Sat 05-Jan-13 10:53:02

Btw, welcome to IhateCobwebs - it never hurts to review the outgoings. There always seems to be stuff to cut.

stormforce10 Sat 05-Jan-13 11:26:08

can I join in a bit late?

The first two days of January were appalling. I popped out for bread and milk and foolishly took DD and her new recipe book and we ended up buying piles of baking ingredients plus 2 big jars of coffee as they were down to half price. Over £20 sad Good news is we now have a big tin of flapjacks, biscuits and a ginger cake

2nd January popped into morrisons for some green beans and came out with green beans, big tub of peanuts and new potatos - another fiver. Then went to Starbucks with DD, DP, DDs best friend and her mum and ended up spending over £22 on cake, coffees, hot chocolates and some lunch for DP who hadn't eaten. I am rubbish at this aren't I?

However 3rd and 4th were no spend days and today may not be too bad. We need to get DD's termly bus pass today (£85) but that's budgeted for and I put money away for it on payday each month. We also need a loaf of bread as completely run out and even eaten the part baked rolls that were lurking in the cupboard.

Today I'm planning to go through freezer, fridge and cupboards and find out what we have. I think that if we are careful we have enough to last at least 2 weeks if we top up with bread, milk and fruit. Only other big cost over next couple of weeks should be nappies which we will just have to buy and deal with

I really have to stamp on my appalling spending habits. I can't believe how much I went through in just 2 days blush

Fluffycloudland77 Sat 05-Jan-13 11:29:53

Organisedhome..com has printable sheets for freezer inventories and store cupboards, loads more things too.

Worth a google.

Thanks rogue.

HearMyRoar Sat 05-Jan-13 14:53:31

So far today I have spent £12 on sausages, mince and a duck from the local game stall at the market, which is more then enough ,meat to last us the next week. I'm afraid I'm a stickler for good quality food, particularly meat, usually I get cheap cuts at the farmers market but they didn't have one the other week and the next one isn't till next Sunday. Also spent £8 on blueberries and squash as they were both on offer so we stocked up. Finally £14.50 on a terribly posh gravy seperator that I have been converting for ages and finally decided I might as well just buy and have done with it.

Dp spent £20 on some lunch with a friend that was visiting...do people count dp/h spends?

1stMrsFrugal Sat 05-Jan-13 16:46:22

Spend today £47 on Ocado shopping For the week. Fish pie mix missing from order, saved £5 buy not sure what's going to slot into Monday's meal plan hmm Perhaps I can find something in the freezer and maintain the saving. Managed to park for free purely by being disorganised! When I realised I didn't have any cash to pay for the (nearest) car park that I was planning to go to, I remembered that the station car park not too far away is free after 10am smile Had to go to a joint 3rd birthday party though so £20 spent on presents this week for that, and I had to endure the 2 hours of screaming and bad coffee too...

Fluffycloudland77 Sat 05-Jan-13 17:12:53

If you use Ocado, set up a new account in your OH name and fill a basket but no delivery slot.

Logout.

Within a couple of days the money off vouchers will roll in. You can sometimes get cashback from Quidco or topcashback but clear your cookies first to make tracking easier for them.

NSD here.

CecyHall Sat 05-Jan-13 17:18:55

Spent a bit today, been to football so had to pay parking and drink, then had a pasty on way home.

I have no main bit for tea, I have potatoes and beans but not the rest, I asked DH to take me Asda, I guess he forgot so I'm going to leave it to him to sort I think!

jenduck Sat 05-Jan-13 17:42:18

Roar DP/H spends definitely do not count (in my book wink)

Welcome Stormforce

Just popping on here quickly in break from gloss-painting the stairwell & upstairs to within an inch of its life (DC at my parents).

Spent £2 in Card Factory today - 10 birthday cards for £1 & 6 x 3m rolls of Xmas wrapping paper for £1. DH spent £30.80 in Wilkos on tubs, but I'm not counting that in my totals!

Pie & chips tonight as a reward for working hard on decorating, probably about £6 as we share a large chips between us, cheaper than a regular chips each.

Putting out another plea for ideas for hob/slow cooker meals, please, as no oven for best part of a week. Help smile

economymode Sat 05-Jan-13 17:55:15

Jen, my slow cooker/hob go-to dishes are:

- soups (carrot & lentil, butternut squash, apple & parsnip, mixed veg)
- stews (veggie sausage & bean a favourite)
- currys
- bolognese
- tagines
- omelettes (obv not in slow cooker)
- quesadillas
- flatbreads with salady fillings

I don't cook with meat, but I hear good things about ham/gammon in brown sugar or coke, cooked in a slow cooker. There seem to have been loads of threads about that.

Today I spent £36 at the hairdressers. She's obviously got more qualified as it was £25 last time! I'm going back to home haircuts from now, think it'll be easier, not to mention cheaper.

HearMyRoar Sat 05-Jan-13 19:59:46

You can roast whole chickens in the slow cooker, they are fabulous. I'll be doing my duck in one tomorrow, just with a bit of orange I think. You can also do baked potatoes, not as crunchy as in an oven but still pretty good and handy if you just want something a bit smaller.

CremeEggThief Sat 05-Jan-13 20:22:13

Hi All and Happy New Year to everyone. I can't believe how quick this thread is moving smile.

I haven't been on Mumsnet since Boxing Day, as I was visiting family in the Republic of Ireland from the 27th until yesterday and I had my data switched off over there, as it's so expensive (well, I sneaked on to Facebook a few times for 5 minutes, but apart from that...). I came back with €80 from the €220 I took and I also received some cash gifts from relatives, so very pleased with that grin.

£14.50 in the Co-op today, on basic provisions until early next week. I need to investigate my cupboards and freezer before I meal plan. Glad to spy some of your slow cooker ideas, economy, as my brother gave me one for Christmas and I'd always thought they were probably more useful for meat eaters than veggies previously.

Hope you all have a nice weekend smile.

Badvoc Sat 05-Jan-13 20:39:54

Wrt slow cookers...do you have to brown any meat you out in it?
I ain't bear the idea of browning meat early in the morning...bluergh...

stormforce10 Sat 05-Jan-13 21:25:13

I had to go to a shop today to buy bread. This was a bad idea. The good news is I managed to resist DD's pester power regarding chocolates, comics etc. etc. I ended up spending £6.84. I got 6 mullerlight yogurts, a loaf of bread, 4 pints of milk, a bag of carrots and a bag of potatos. I hate our local co-op its so expensive but the only one in walking distence.

We also got the £84 bus termly pass - sigh.

Expensive day sad

I have been through some of my cupboards and I'm horrified by what I found. I have about 8 jars of chutney, 6 jars of salsa (I hate salsa confused ), 5 jars of curry saurces, 7 small packets of stir fry sauce, 5 packs of flavored cous cous,7 packs of microwavable rice, 18 pots of various jams, 6 cans of tuna, 4 cans of baked beans and a 5 year out of date can of tikka masalla sauce which I think has moved house with us at least twice grin. Those are the least of my cupboard contents. I am a real hoarder and I haven't even started on the 2 big boxes of cans and jars in the cellar yet

My new years resolution is therefore only to buy fresh food until the tins, jars and packets have been used up

HearMyRoar Sat 05-Jan-13 22:19:53

I never bother browning meat for the slow cooker, except sausages. I'm way too lazy smile

GaryBuseysTeeth Sat 05-Jan-13 22:23:53

<ooof> (that was a hit to the wallet), asked Dh to pick up some 'pre cooked chicken slices' for DS (we only have frozen bits atm, and he needed some today), £4(!) for a tiny packet of the one up from basic in Tesco, same price as 1kg of chicken wings in the butchers opposite!

Spent £25 on a Book People order, in my defence I'm trying to do as much reading before DC2 arrives & we never have time/energy to read again.

18 pots of jame storm?!

Sorry to hear the White Company are crap, was tempted to buy some stuff from the 'little white company' sales, now I cba!

DH still not contacted Sky yet, gah! (account is in his name).

AdoraBell Sun 06-Jan-13 02:59:25

NSD for me todaygrin

Rogue thanks, I know it was all needed but still struggle with going over budget IYSWIM.

Storm I am also a bit of a food hoarder and currently using things up as we plan to sell up and move countries, so I can't take food with me.

And no, I never include my OH's spending. Speaking of which, he got paidgrin, it's all earmarked, but it makes a change to have something come in. I should have another NSD tomorrow, then on Tuesday I need to pay £40 for a month's worth of volley ball for DDs, that's 4 weeks of 4 morning's per week for both of them, so not too bad.

Virgil Sun 06-Jan-13 09:51:34

Storm sounds like jam tarts for tea. Very cheap and easy!!

mum23girlys Sun 06-Jan-13 10:00:03

Hi everyone. I was on here late last year but fell away in December. Still been watching spending but we've decided we really need to tighten our belts as every month there is just too much month left at the end of the money grin

Have so far had 3 nsd this year and am aiming for 3 every week. If I manage that I Will increase it to 4 next month.

Also had a £10 Facebook sale yesterday and have another £15 sale being collected today.

I have a quick question though. Does anyone know if you can freeze curry sauce from the Chinese takeaway?? Mil sent us home with leftovers yesterday grin

Thanks in advance

Virgil Sun 06-Jan-13 10:03:33

You can definitely freeze curry sauce. I am the queen of freezing. I freeze pret much everything and we are all still alive!

mum23girlys Sun 06-Jan-13 10:27:32

Thanks virgil. I was pretty sure I'd read it on here before but dh gave me the hmm look as if I wad trying to poison him

Ihatecobwebs Sun 06-Jan-13 11:22:53

Yesterday was a NSD.

Today so far is £40 for DS's after school clubs for the 1/2 term. Going to use Childcare Vouchers, so we won't lose the money for a bit.

Just checked DS's uniform. His PE shorts are too small, but luckily found a pair of bigger navy shorts in his drawer, so they will do for a while.

I'm planning for us to eat our way through the freezer and cupboards for the next few weeks, so hopefully my grocery bills will be low. I need to defrost the freezers anyway, so its a good oppportunity to save money as well, and find out what I've got in there. I know there are some of DH's "bargains" to eat, and as these tend to be more expensive things, I don't think they will notice my lack of spending, eg he bought a duck last month, as it was a bargain (but still more than I would have spent on meat), but instead of waiting for a special occasion, I will put it into the meal planning.

Will sign up for online milk ordering this week, gets me a £10 voucher to spend with the milkman. I can order up to 9pm the night before delivery, so might save on some costs for emergencies, eg bread might be more expensive than from the supermarket, but going there just to buy bread costs a fair bit in petrol or bus fare. There aren't any shops on my way to work, so its always a special trip for groceries.

stormforce10 Sun 06-Jan-13 11:54:21

Please can someone post the recipie for tea bread? I have also found some fairly elderly dried fruit that I was about to throw away until I saw the tea bread post.

I've just done my meal plan for the week

Porridge and toast for breakfast. DP working away until Thursday evening, DD ant school so only me (and breastfed DS) for lunch which wil mainly be cheese, biscuits and / or sandwiches and soup

Monday Left over stew (lamb stock, potatos, carrots, parsnips, gravy and a few other bits) with garlic bread

Tuesday ham omlettes, salad, new potatos

Wednesday baked potatoes, tuna mayonnaise and sweetcorn

Thursday beef stew and rice

Friday pasta with salami and tomato sauce, parmesan and salad

Saturday fish fingers, chips and beans

roguepixie Sun 06-Jan-13 12:49:37

Here's a recipe for Earl Grey Tea Bread:

9oz/255g mixed dried fruit
5oz/142g currants
7fl oz/198ml Earl Grey Tea ... this is what the recipe says but I double it as otherwise it comes out dry. Use 2 tea bags
1 level tbsp treacle
1 egg
10oz/283g SR flour
1/2 oz/14g sugar (can use sugar substitute ... eg Stevia, Canderel)
1 tsp mixed spice

1. Place all dried fruit in a large bowl and pour over the tea and treacle. Cover and leave to soak (overnight if poss, otherwise a few hours)
2. Lightly beat the egg and stir into fruit mixture. Sift the flour and add to the mixture with the sugar and mixed spice. Stir to combine.
3. Spoon into lined loaf tin (13cm x 22cm) and bake at 160c/325f/ Gas 3 for 1 hour or until a knife inserted in the centre comes out clean.

This is a tried and tested recipe and is really lovely.

northender Sun 06-Jan-13 12:52:27

I'll post my teabread recipe when I get home stormforce. Well worth doing.
Good day today, just ds's football match fees £2.50. Yesterday was bad thoigh as dh and ds went to football.
I'm keeping track of spending with expense manager app on my phone. Its good but not making happy reading so far sad . Food, groceries etc is low but lots of one offs this week. Need 2 good weeks now to be back on track for the month. Dc and I have dentist this week, to partly compensate I need to get on and claim my eye test fee back through work. Keep going everyone smile

Fluffycloudland77 Sun 06-Jan-13 12:58:18

£33 Aldi

£1 Iceland

£3.99 Homebargins.

Need to see if I can get the cost of my contact lenses down. £15 a month incl solutions. hmm

HearMyRoar Sun 06-Jan-13 14:06:29

I've spent £11.60 on one of those push along activity walker thingys and a musical cube toy on eBay for dd and £30 on dp's bday present. His birthday isn't until march but I saw it cheap so thought I might as well get it now and hide it somewhere.

I just tried making tea bread in the slow cooker but have realised I forgot to add the flour! So I think it is going to turn out a bit of a gooey mess. I blame sleep deprivation. Maybe I can save it somehow...

roguepixie Sun 06-Jan-13 14:48:14

Sold a few more items on Ebay - approx. £25/30. Not massive but at least it's an 'in' rather than an 'out'. I also try to regularly transfer the majority of my Paypal balance into my bank account ... it stops me spending it grin. Ebay is becoming harder and harder to sell on though - it's so loaded in favour of the buyer that that, combined with thw %'s they take from you here, there and everywhere - that it has become a pretty crappy experience.

NSD here again (2nd day after the Costco/Sewing machine splurge).

Thought we may have had to factor in a large expenditure when the fridge/freezer started to malfunction with the fridge temperature. However, DH and I pulled it out and he fiddled around with it (a highly technical thing apparently grin and it's working again. Joking apart, I don't know what I'd do if DH wasn't as technically savvy as he is ... saves a fortune in call outs etc.

Am cooking two lots of meat today - some for tonight's dinner and the other for cold cuts during the week - am thinking it makes sense to heat the oven once rather than twice. Good idea or false economy???

You ladies with slow cookers ... are they the wonder that people say they are?

HearMy - can you take it out now and stir in flour? Or just stir it in whilst in the machine? <<obvious ignorance where slow cookers are concerned>>

Mum23, another defo on the freezing curry sauce. It's completely safe.

HearMyRoar Sun 06-Jan-13 15:06:02

I've taken it out the slow cooker, put in some flour and then bunged it in the oven. We'll see if it survives.

I love slow cookers, I have 2. One small one and one large one with a timer function. Use the small one most days for porridge and the big one at least a couple of times a week.

Fluffycloudland77 Sun 06-Jan-13 15:10:14

I've got the Asda cheap slow cooker, I use it for stews and cooking ham hocks.

jenduck Sun 06-Jan-13 15:19:48

That teabread sounds yummy. (Un)fortunately, we still have 7 tins of biscuits, 6 tins/boxes of chocs, half a pack of mini Christmas cakes and a Christmas pud to get through before I need to think about making snacks!

Rogue I think it is worth doing ,2 lots of meat at once as you can always slice & freeze some, if nothing else. As for slow cookers, I like mine as I can spend just 10 mins in the morning dicing meat & veg, bung it all in & not worry about dinner all day. And I can just dish it when people are ready & it can keep warm.

Finished our decorating spree, got loads done without DC there. Bedroom looks fantastic & only cost £30, 18 of which was on a curtain pole! We were lucky to fed some end of line wallpaper at b&q for £1/roll instead of £20/roll, and brand new dunelm curtains in charity shop for £5!

Nsd today, too shattered to spend anything!

CremeEggThief Sun 06-Jan-13 16:16:17

Thanks for the teabread recipe, rogue, especially as Earl Grey is my tea of choice!

NSD here.

Woopsiedaisy Sun 06-Jan-13 16:38:39

Delurking to say what a fabulous thread.

Having lost my job last year in dire need of any savings I can find. Reviewing my budget last night I realised that one of the biggest savings I could make would be to turn my Aga off. It uses approx £25 of oil a week and as I live alone there are often weeks when I hardly use it.

Does anyone have any recommendations of alternatives I could use to cover my cooking needs i.e. frying, steaming, roasting, casseroles etc. I am already planning a slow cooker to cover off casseroles etc, but am not sure how to manage stir frys, veg cooking, baked potatoes, roasts etc.

Woukd appreciate any tips

jenduck Sun 06-Jan-13 16:54:47

Welcome to Woopsiedaisy smile For your hob-cooking, could you use something like this? We have an electric one for camping & it works very well. I can't see them being expensive to run.

And for other things, a microwave which is also an oven? I hear (thanks to people on this thread!) you can roast meat in a slowcooker, too

stormforce10 Sun 06-Jan-13 16:59:16

Thank you for the teabread recipie. Sadly I have no earl gray. How do you think it would taste with English Breakfast tea? Not the same I'm sure but may try and report back.

NSD so far here today and just had a shower and put my pyjamas on early so as long as I avoid ebay, amazon etc it should stay that way.

Am aiming for 10 NSDs this month and have done 3 so far - provided I get through today that is.

Woopsiedaisy my mum has an old fashioned rayburn and turns it off all through the summer and then uses a small camping stove with a gas bottle (no good for roasts though but deals with lots of other things)

Fluffycloudland77 Sun 06-Jan-13 18:03:20

I've noticed on rightmove that houses with ranges tend to have normal cookers too, I assumed it was for summer months when not much heating was used.

Bought a sunscreen cheaper than city block.

Dh found damage on his car caused by him so that will be ouchy. sad

jenduck Sun 06-Jan-13 18:34:43

Fluffy with contact lenses, you can get them very cheaply online, and solutions too. Just have all the appropriate tests at your opticians so that you have the correct prescription, and you're off!

Fluffycloudland77 Sun 06-Jan-13 18:45:43

Yes, I've noticed that monthlies are significantly cheaper than the two week ones I have now. I'll just need to factor in protein remover now and saline.

So easy to get ripped off in this country.

HearMyRoar Sun 06-Jan-13 19:00:10

storm I used breakfast tea in mine, I don't see why you can't use whatever tea you fancy. I was thinking that a nice vanilla rooibos I have might be rather nice smile

NUFC69 Sun 06-Jan-13 20:07:25

Another lurker here joining in, please.

I am on my third NSD already this month - we are still using up some of our Christmas food.

I have a slow cooker - one of my favourite things to cook in it is Beef in Beer (I have a slow cooker which you can brown things in first: so brown chopped onions and sliced carrots, remove from pan. Toss beef cubes in seasoned flour and brown in batches in pan. Return vegetables to pan, add a can of beer, a couple of bay leaves, and a spoonful of brown sugar. Put on medium for 6 hours (that's a guess as this is a recipe for "normal" cooking). I always make some herb dumplings and add them an hour from the end. Delicious!

I have cooked a whole chicken in it, too - very easy. In fact I have adapted lots of my normal casserole recipes and they have all been successful.

I have just had a look at the OrganisedHome website - it's great, thank you.

bearinbath Sun 06-Jan-13 20:23:29

Hi everyone, thanks very much for all the top tips, keep them coming! Have managed to do 2 NSDs over the weekend so chufffed with that. One thng i've saved money on is mobile contracts. I recently changed from a mobile contract to a sim only contract through Giff Gaff. I only pay £10 a month and for that I get 250 mins, unlimited texts, and 1 gb Internet data. Like the way I can cancel or change package without a major hassle.

If anyone fancies giving them a go, you can earn £5 for every person you refer... Wouldn't complain if anyone wanted to go through this link so I could benefit from the referral!

giffgaff.com/affiliate/bearinbath

Kahlua4me Sun 06-Jan-13 20:34:27

Can I join too please? Desperately need to cut down our outgoings this year.

Started trying to do NSDs as thought they would be easy but found them much harder than I thought they would be! Will keep at it.

Went food shopping today and took cash which seemed to work as I was more conscious of what everything cost.

One thing that surprised me this weekend was not to have the heating on during the day. I turned it off once we were all up and dressed and nobody said they were cold, normally it is on all day. Very pleased with that!

Mum2Fergus Sun 06-Jan-13 20:57:32

Oooh folks...back to some form of normality tomorrow-woohoo! DP back to work, Im back on Tuesday, and DS back to nursery! Very spendy w/end but wont bore you with detail...good news however is that Im on budget to date and should remain so through til my payday on 20th smile starting to plan house move so Ebay/Gumtree'ing unwanted stuff rather than pay to move it with us! Been quiet over holidays but have approx £50 in Paypal ac...ideally Id like removal costs covered by Paypal ac.

economymode Sun 06-Jan-13 21:14:42

I'm liking the sound of Giff Gaff. My contract doesn't expire until April, but will be looking for something cheaper when the time comes.

NSD today but think that'll be the only one of the week.

Also sold our changing table for a few £ more than I bought it for, so that's good. We just don't have room for it in the baby's (box) room, so it was time to.say goodbye!

roguepixie Sun 06-Jan-13 21:19:46

storm, the recipe I have used Earl Grey but I think it would work really well with other teas - any ones you like really. The Earl Grey is really subtle, which is why I use 2 teabags instead of one - you just can't taste it otherwise.

Hello to NUFC, bear and Kahlua - welcome abroad grin.

Have a few Ebay items to post out tomorrow and more listings finishing tomorrow. I have hopes for a few more sales.

I know what you mean Mum2, it's back to normal tomorrow...DS back to school, DH back to work and me ... starting my diet. DH informed me that he would like to go to Italy this summer to see rellies ... I am NOT going like this grin so the diet begins tomorrow. Am going to eat porridge for breakfast and walk for an hour when DH leaves with DS for school/work. If I add in additional walks wherever possible and sensible eating I should have some success ... and it helps with saving money ... no spends on chocolate grin.

Fluffycloudland77 Sun 06-Jan-13 21:22:43

I think Quidco do cashback of a £1 on free giff gaff sim cards, just make sure you clear your cookies history first so they can track it easily. Topcashabck might do it too.

bearinbath Sun 06-Jan-13 21:30:50

Thanks Rogue! eBay listings ended today and made about 70 on a few things so def step in right direction. Gets quite addictive doesn't it!

Taken on board many of the suggestions so really hoping end of jan bank balance will look healthier than usual. Switched to water meter back in July last year...yet to find out if cheaper than contract. What's been other people's experiences if they've switched?

AdoraBell Sun 06-Jan-13 21:55:26

Rogue I'll be giving your tea cake recipe a try, but I don't like Earl Grey (I'm so uncouthgrin), so I'll try it with Lady Grey because that's my fav.

Hello and welcome to all newbies.

NSD heregrin

Woopsiedaisy Mon 07-Jan-13 09:07:37

Thanks jenduck & stormforce for your suggestions re alternative cooking methods. I definitely need to reasearch this option.

Have worked out it will sav me approx £750pa !!

Helenagrace Mon 07-Jan-13 09:22:18

A few NSDs recently.

I discovered The Range and have bought all the stuff we needed to inject some colour into our palace of beigeness. I got three huge pairs of curtains, three cushions, a lampshade, two lamps and two throws for £155! I'd budgeted about £400 for that lot grin.

Doing well on grocery. Apart from turkey and ham at Christmas I haven't bought any meat since December 20th (even that was only a modest shop) and I still have 10 days worth in the freezer.

Going to Aldi today to stock up. It's a 16 mile round trip so I have to make it worthwhile. I'll buy this week's fruit and veg while I'm there. Going to explore Lidl next week as it's just down the road.

Also going to give the mortgage broker an ultimatum. He's done nothing for several weeks so if he wants our business he needs to get his arse in gear. I need the remortgage so we can rent this house out and save £750 a month!!

CecyHall Mon 07-Jan-13 09:30:28

DH did me a favour on Saturday in the end, we decided we weren't really that hungry so I had a slice of toast instead and so didn't end up spending any more!

NSD yesterday, mainly as I didn't even get out of my pyjamas, I did bits and bobs around the house so was quite pleased!

Welcome to the newbies and delurkers (especially NUFC69, it was the Brighton v Newcastle match we were at Saturday, not a great result).

£10 spent today already on school dinners for DS1 for the week, but have a sickly baby so not going out today which will save!

1stMrsFrugal Mon 07-Jan-13 10:38:02

Fluffy thanks for the Ocado tip. I have set up DHs account today.

Got an invoice from our security alarm company for a new battery that I thought was included in the contract. Phoned them up and said I hadn't been informed it was chargeable work before the engineer carried it out, and they have credited my account smile Query EVERYTHING!!

NSD yesterday and only spend today will be train fare for DH who has an interview <fingers crossed>

jenduck Mon 07-Jan-13 10:38:15

The week has only just begun & already I've been a-spending! 50p for class money for DS1 (due each week, pays for snacks, materials etc). Then £9.77 at Asda for a paper (Sun for £9.50 hols), Fireman Sam pants for DS1 (£4 for 5, others were cheaper but know he'll love these!) & a few grocery bits. But took back a top I haven't worn, which was £6, so only really spent £3.77.

Will try not to spend rest of day, hopefully will see my grandparents this afternoon & give them DS1's Xmas present to return sad as it doesn't work. Will also try & list few things on Gumtree. Have a whole Thomas bedroom to put on there as we have changed DS1's room to a plain theme, in the hope it will be less off-putting to potential buyers. Have chicken casserole bubbling away in slow-cooker, reckon it cost about £2 total (everything yellow-stickered!) & will do all of us 1 dinner & DSes a second dinner, too!

Is lovely having DS1 back at pre-school, but kind of miss him!

roguepixie Mon 07-Jan-13 13:04:05

Off to post two Ebay sales - not made massive sums from them but it's all money in. Will have to spend to post them but that is taken into account, iyswim. Will have two oyster bus journeys so £2.60 there but have packed a drink and food for DS when I meet him from school so no popping into the shop.

Am massively missing DS too, jenduck. It's his first day back today and it's sooooooooooooo quiet without him. DH is back to work today as well so it really is lonesome today ... may feel differently when they are all back later, making noise grinwink.

1stMrs, it always pays to check and query. Last year I posted when DH checked our situation with our gas and electric provider. We do the usual - pay a sum every month which pays the amount used (hopefully). Well, on checking we found that they held nearly £800 on our electricity account and approx. £190 on our gas account. All our money that they were earning interest on!! So we requested it back (which they have to do) and we got just short of £1000 back. Btw, it's not the first time this has happened to us. The mantra is: check, check and check again ... then query. grin

roguepixie Mon 07-Jan-13 13:04:51

Oh, forgot, need to take £15.00 out to put in birthday card for DS's friend. Argh.

stormforce10 Mon 07-Jan-13 13:35:57

Aiming for another NSD today. Last day of dd's school holiday so tidying up house a bit, getting uniform etc. ready letting her relax in front of TV, early supper, hot bath and early bed.

Just had a text from a friend inviting me out to lunch tomorrow. Going t decline but ask her if she'd like to come here instead and I'll cook something from my huge stockpile

NUFC69 Mon 07-Jan-13 13:47:05

Thank you, CecyHall, we watched the match on TV and were not happy bunnies! We're season ticket holders so are usually at every home match.

I have spent money this morning as I knew I would - sent DH to shops, though, as it was raining, and then the Rington's man came and I bought some tea. However, now no more food to buy until Thursday, so if I can just keep down the shopping when we go into town tomorrow with the DGS ....

northender Mon 07-Jan-13 15:00:52

Today started badly with our car not starting. It's now in the garage so fingers xed it doesn't cost too much to sort out. My only spending otherwise has been bus home from work and bus back part way from the garage. Have to rethink my meal plan though because I was going to go to Aldi after work to stock up.

Mum2Fergus Mon 07-Jan-13 16:12:12

Withdrew this weeks budget in cash this morn and shopped in line with this weeks meal plan. Only thing not budgeted for was gift for next doors new baby boy who is 4 weeks early! He's a cutie grin

2 Ebay listings ended this afternoon...£26 made there and will go towards removal costs to new house...paid deposit for that today too, £40...balance due by moving date, 23 Feb, so need to get finger out and get listing!!

Fluffycloudland77 Mon 07-Jan-13 17:25:30

www.free-stuff.co.uk is advertising a coupon on supersavvyme that is a £1 off Always towels, in Tesco the 18 pack of towels are a £1.

£1.59 on speshul DH milk.

I under pay my EDF bill, they wanted to raise it but I told them we couldn't afford it and instead we pay £25 a month more but this is optional, I'd rather have a bill than over pay all summer.

GaryBuseysTeeth Mon 07-Jan-13 18:00:58

£19 spend in Tesco, considering £4 of that was a few sippy cups on special for DS I am very pleased (we normally shop at Lidl so proper supermarket costs bring me out in sweats).
£25 on book people over the weekend & £9 on Mcdonalds blush

northender, fingers are crossed car is back & it was very cheap.

MrsFrugal, fingers are also crossed for your DH & his job interview!

Have a stockpile of things to list on ebay, but with most of it being baby stuff wonder if it's better/less stress to just do a car boot? with a 1 year old? Hmmmm.
If anyone is listing 12-18/18-24month boys clothes on eBay in the next few months would you kindly pm me a link?

roguepixie Mon 07-Jan-13 18:01:39

What a lovely idea storm, I hope your friend gets over to you.

Well, £2.50 on postage, plus £15.00 for a birthday present. No other spends, apart from oyster bus journeys.

Defrosting ham stock to make large pan of ham based soup ... mmmmmm.

DS not very hungry tonight (odd confused) so will do a "what's in the fridge that needs eating" dinner tonight.

CremeEggThief Mon 07-Jan-13 18:13:19

Lovely catching up with everyones' news, hints and tips smile.

Another NSD here. DS was NOT impressed that we walked home in the rain instead of waiting for the bus though! It wasn't much more than drizzle.

Mum2Fergus Mon 07-Jan-13 18:34:22

Gary BuseysTeeth...Ive a wee stockpile of DS things to go soon but are mostly 2-3, 3-4...if you're interested let me know smile

jenduck Mon 07-Jan-13 18:36:08

Rogue if your trip out was purely to post something, you can print off postage labels from the Royal Mail website, I believe, so saving you a trip. However, I do understand that sometimes it is just good to get out of the house, particularly with kids in tow!

Didn't spend anything else today, but didn't get Gumtree items listed either. At work tomorrow, so may be a small spend there as charity shop down the road does all clothes for £1, so always worth a look!

Fingers crossed for your car northender. Must check when MOT due on ours, have no idea!

Fluffy I think we are underpaying Npower atm. Were paying £101/month dual fuel, but were in credit by about £80, even taking into account the cold snap we have just had. So have reduced it (can do online as we manage our bills online) to £75, with the thought that the credit should cover us for a couple of months at least, and then the warmer/lighter weather should start to kick in again.

Just been informed that my sister will be picking me & my Dad up from my house to go to work tomorrow (all work together), so I guess I'd better get tidying to make this tip somewhere near presentable. So, if you see me on here before 7.30pm, kick me off again!

stormforce10 Mon 07-Jan-13 18:41:14

I've just catalogued my freezer. I think we have meat, frozen leftovers and fish for 4 weeks worth of meals if we eat some odd things mainly were we'd over bought for parties (chicken satay skewers, filo prawns and mini pizzas for tea anyone?) . I also found 3 steaks I'd completely forgotten about smile

We will need more veg though.

I have no excuse for overspending this month. NO EXCUSE

NSD here that's 4/7 so far this month

HearMyRoar Mon 07-Jan-13 19:28:56

£20 on my fruit and veg box, which was delivered today. This should last the next 2 weeks with just a top up of potatoes, blueberries, and bananas next week.

I have instigated a new budget awareness plan to help us both keep an eye on things. I have worked out our budget after all direct debits are paid (minus quite a bit of wiggle room) and written it on in big black numbers on a piece of paper stuck to our livingroom wall. I will then check accounts and adjust it every couple of days so we can watch in horror as the number gets smaller and smaller. I'm hoping that knowing I will have to stare at it everyday will put me off naughty spending blush

Leilandri Mon 07-Jan-13 19:45:04

Welcome to the newbies and delurkers smile

NSWeekend here grin
Spent Saturday de-moulding various areas of our house [and taking photos as proof for Landlords] and cleaning carpets.
Visited DM-i-L on Sunday with DS's and went for a lovely, free walk in the woods and a splash in the stream smile
Spent today catching 40 winks on the sofa whenever possible as DS2 had me up twice in the night and still woke before 6am hmm {Yawn!} My folks popped up today. My Dad changed the light fittings in our playroom from 2 4spot hallogen fittings (400watts between them shock) to 2 normal fittings with 8watt energy bulbs, so should save some pennies there. My mum modified some of our curtains so that they no longer hang infront of our radiators, therefore increasing the heat into the rooms. Also have enough material left over to re-cover our dining chairs, and possibly make a few cushion covers smile

Got to do top-up shop tomorrow as we need milk, braising steak, bleach and sandwich pickle!

bearinbath Mon 07-Jan-13 20:18:28

Hey all, not doing too badly, although spent around £25 on new baby gifts and card etc for closest friend who has just had a baby. Just one of those spends I didn't want to scrimp on. Am writing down all expenditures down for January to see where the money goes and really seems to help to be more conscious of spending already. Also, went to supermarket and stuck to my list - miracle! How's everyone else getting on?

SoftKittyWarmKitty Mon 07-Jan-13 20:35:46

NSDs today and yesterday here. Spent some money on Saturday though as did my Aldi shop. It came to £47 and I nearly died - it's usually around £30 - then I remembered I'd picked up a digital thermometer from the specials aisle for £12.99. Have meant to get one for ages but they're expensive in Boots etc, so when I saw that I thought I'd get it. Have had a play with it and it's great, will be really useful when DS or I are next ill.

I think I'll have a big expense coming up as my car needs to go to the garage, so not looking forward to that. It'll have to go on the overdraft sad.

roguepixie Mon 07-Jan-13 21:50:16

jenduck, no, not a special trip to the post office. I had to go round to my DMum & DDad's with paperwork. DDad has just been diagnosed with very early stages vascular dementia and we need to allocate power of attorny to my DMum before any significant degeneration takes place. It maybe, God willing, that he stays at this stage for years(or at least, a long time) but if not, then this needs to have been done prior to him being assessed as not able to take decisions. It's so sad sad. He's my pop's. Thankfully he's still as lovely as usual. I also meet DS from the train every afternoon after school - he was mugged last year and likes to have someone meet him to travel home with.

Helenagrace Mon 07-Jan-13 22:24:13

£85 Aldi shop - month's worth of toiletries, cleaning products, snacks and a week's fruit and veg. Had fun spending our gift cards and vouchers. Got lots of lovely perfume reduced in M&S - would make fab presents if anyone has a birthday to buy for!

We have a viewing on our house in the north thus week. Hoping they fall in love with it and want to buy it. Paying £1400 rent AND £750 mortgage is taking its toll on our finances.hmm

AdoraBell Tue 08-Jan-13 02:10:56

Hello everyone

I'm too tired to read through, sorry, will try to catch up tomorrow.

Today I bought school uniforms and shoes £720 ish, that's almost everything for two, we have a few hand me downs for DD2 but it's only about 10% of what she needs, and I got 2 pairs of shoes each as we can only get them up to March here. I don't think that was very expensive at all, but OH worries about every penny and believes every family in the UK buys their DC's uniforms in Asda or Tesco

We had a late lunch out, £5 on a shared pizza for 3, DDs ate twice as much as me.
Supermarket £45
Roads £2

Tomorrow will be £40 on their volley ball for a month and probably a few quid on a coffee for me after the gym.

Alibabaandthe40nappies Tue 08-Jan-13 02:29:45

Hi everyone - will catch up tomorrow.

NS weekend here too! grin

£32 today on food shopping and some more pants for DS1. I'm still within my £50 limit for the week, I've got enough for more bread and milk and fruit too if we need it.

Food shop coming on Friday, I'm aiming for about £85 and I have got a £10 voucher to use (thanks Waitrose!) so £75ish. Another NS weekend planned - we have discovered geocaching so we are going hunting for a couple of those.

Fluffycloudland77 Tue 08-Jan-13 07:37:58

I can imagine with school uniforms that Pfb gets everything from the school recommended shop, logos on everything and lovingly stitched on name tags.

By the time Pfb hits year 3 and Dc2 starts reception I can well imagine its Tesco all the way.

I think for secondary school kids here its about the same for new uniforms. I remember sil paying out £300 plus for when dn started, everything had to come from special shops and be of a certain type eg blue long jogging bottoms, no logos apart from the schools. It must be so hard for people with little spare cash to afford it.

jenduck Tue 08-Jan-13 09:12:22

Rogue that is sad about your Ddad, although it is definitely best to be prepared. My Dsis is a probate solicitor & she says she has dealt with many very sticky messes where somebody has died intestate or is incapable of dealing with their own affairs but has not appointed anybody.

I have to say, we did get all DS1's uniform from Sainsbury's/Tesco! He is in pre-school, so they don't have to wear one, but most children do. I wasn't sure what to do on the first morning, so sent him in plain home clothes. Most others were in uniform, so I popped out the next morning to the supermarkets & all the uniform was half-price! So, I stocked up for this year & next, for about £20 grin. I think lots of places have second-hand uniform shops, too, although I don't know if it's different in your country Adora? Alternatively, it might be worth (for the future), setting up some kind of swapping/selling system between parents whose offspring have outgrown their uniform?

At work now, but will have to spend shortly as the tights I am wearing are too small due to too many Xmas chocs & keep falling down blush. Will also browse charity shops at lunch for some material to make a throw for our bed & a cover for the ottoman in our room.

roguepixie Tue 08-Jan-13 11:21:02

Thank you jenduck. He's quite an amazing character!!! He's overcome so much from his early life and form health issue later on and has accomplished so much professionally -it's horrible to see him scrabbling for words, knowing he knows it but not able to recall it. But you are right - it needs to be sorted whilst he is still judged as being competent.

You mentioned charity shops - I have made a resolution to visit my local ones more often. There are two (a bit crappy) very close by but if I go to West Hampstead then I can visit their very lovely charity shops - apparently get lots of designer stuff!!!!

Re: school uniform ... I spent £800 when DS moved to secondary school. Everything, and I mean everything had to come from the school shop -even the plimsolls!!! The only things not were pants, vests and socks. Everything has to have the school logo on it and no deviations are allowed. Great school, but dear lord!!!

Posted two more Ebay items (£4.40 on postage but that's already paid for, as it were). Might need to buy some rolls and a celeriac, if I can find one today but will try to avoid.

BoffinMum Tue 08-Jan-13 11:49:01

The person who sets up an Ebay type online market for specific school uniforms will surely make their fortune.

NUFC69 Tue 08-Jan-13 12:30:37

My day changed when we had a text from my DD saying DGS had woken up at five o'clock and would probably be grumpy this morning and need a sleep. He wasn't grumpy but we put him up for a nap at eleven (he's still asleep) and therefore couldn't catch the bus into town. It's an ill wind .... as even with going out to the library with him this afternoon, we won't be spending any money. NSD 4 for me then.

stormforce10 Tue 08-Jan-13 13:19:02

I'm finding it really hard to avoid the shops today but so far so good. DD went back to school this morning. I dropped her off and coming back had to pass the local cafe. It smelt great but I resisted the urge for a bacon sandwich.

I got home to find a letter from BT. I assumed it was another advert but opened it anyway only to find that they've sent me a cheque for £42 in respect of an account I closed in late 2009!!. Apparently they've discovered an accounting error so there was a credit smile smile I went out to the bank and put it in before they changed their mind. I had to pass more shops but manged to go past and not walk in.

Agree uniform is so expensive. Most of DD's is school specific and comes form one shop so they get away with charging a small fortune for it

Rouge glad you're getting POA sorted out. My friend had a terrible time when his mum was ill and ended up spending a small fortune on legal bills to resolve it

CecyHall Tue 08-Jan-13 13:25:14

I'm having such a hideous day that I'm thinking that instead of saving all my money to waste on a holiday I should put all my efforts and money into getting the house ready to sell and moving away from ths horrible town.

Trouble is I have no idea where we'd move to and am terrified of jumping out of the frying pan, into the fire.

Spent £3.40 on bus fare. I bought a new bag today but used a credit voucher and Christmas money so t wasn't out of my actual money. 65p on cotton buds.
£1.50 on bits and bobs to dress DS for school, another dressing up day, there have been about 5 since September and its really annoying me!

roguepixie Tue 08-Jan-13 13:49:35

Cecy, so sorry you are having a horrible day. sad. It's a miserable situation to be in - when you dislike your surroundings or location as changing them is a major issue.

Are you able to consider moving? Not knowing where you are located, what areas are achievable to consider moving to? If you are seriously unhappy (or even not seriously but just unhappy) then maybe the right thing to do it save everything you can in order to move and concentrate on getting your house ready to sell. Do you own or rent? A holiday is lovely and it can provide respite from a nasty situation or experience (or location) but you still have to come back! If it were me I would set my sights on a move (that's my opinion, not that you asked for it grinwink)

Have sold another Ebay item - however, I have to part with this money as it was a new leather jacket that my DDad didn't use - he'll be happy though - more paint supplies!!!

CecyHall Tue 08-Jan-13 14:41:31

Thanks rogue it helps to be able to consider things on here and get other perspectives!

I live in Sussex in an ok bit of a really deprived area, DH's work would be the decider I suppose, he does have transferable skills but its a scary thought to start over!

I just worry for the kids future here, it's such a bleak town and I'd like to be able to walk down the street without quite so many junkies and girls with cider cans in the buggy hood!

SoftKittyWarmKitty Tue 08-Jan-13 14:42:39

Had to pay EDF £49 this morning as I put in my meter readings online and it turned out I owed them that amount, so rather than leave it I paid it off in the hope that they won't put my direct debit up.

Just been out and washed my car myself which I hate doing but it saves me a few pounds. I haven't used the car wash in ages. I even cleaned the inside windows grin.

Fluffycloudland77 Tue 08-Jan-13 14:47:18

I'm with EDF and they tried to put my payment up when I last gave them a reading. Because I gave two readings close together it looked like we used loads of gas so they wanted to put it up from £53 to £220.

When they looked at it more closely it ought to be about £70 a month but I rang them and said they would leave it at £53 and I'll pay the extra in march. I don't think they can raise it if you tell them not to but I could be wrong.

SoftKittyWarmKitty Tue 08-Jan-13 15:22:29

Apparently I need to check my online statement in a couple of days it'll tell me if there's any change to my DD amount. Fingers crossed there won't be.

Fluffycloudland77 Tue 08-Jan-13 15:28:40

You'll get an email informing you of any changes. I really hammed it up and told them DH is on a low wage and we can't afford a rise.

BoffinMum Tue 08-Jan-13 15:30:27

I am feeling virtuous. I have dug out three boxes of books and have posted them off to webuybooks.com. One ordinary paperback got £13 alone! That having been said, I must have typed in 50 they refused to buy so you have to be persistent. Anyway, if all goes well, I should make £60 ish.

Music Magpie failed to collect my DVDs so I am busy chasing them at the moment, so I make another £30.

Also I had an expenses claim for my last workplace that I have just chased, and I found out I was due a 1% backdated payrise for my last three months working there as well, so that should be another £250+ once they have admitted they owe it to me.

My changing tables has 3 bids and 23 watchers and 5 days to go, it's on at £2.20 at the moment but in very good condition so hopefully I might end up making £15 for that.

I have broken even on my eBook after the coding costs, so into profit there now. Making £2 a day on it at the moment!

I am currently looking around to see what else I can sell! AIBU wondering what my DH would be worth if I put him out to stud? One careful lady owner ...

BoffinMum Tue 08-Jan-13 15:31:53

Just realised pay rise will actually only be £60 ish as it was only 3 months. sad But that will be £60 in my pocket and not theirs ...

Fluffycloudland77 Tue 08-Jan-13 15:43:48

It's better than a poke in the eye with a sharp stick. You should have seen my sulk when my Chef didn't sell for what I wanted.

CremeEggThief Tue 08-Jan-13 16:15:19

£25.10 today, as I treated myself to "The Life of Pi" in 3D. It was only £6.10 for the cinema and a pair of 3D glasses,
but travel cost £10.70. I had to go to our nearest city, as our local cinema doesn't have 3D facilities. Well worth it though, as the last adult film I saw at the cinema was "The Artist", almost a year ago! I also had a cup of tea and a scone before the film and a sandwich from Greggs for lunch. Then I had a coffee with a friend before school pick-up and bought some milk on the way home.

I'll read through all the latest in a bit; nice to see how busy the thread is smile.

jenduck Tue 08-Jan-13 16:24:25

Boffin it all counts! DH & I are putting any money we make from selling bits & pieces into a sealed money tin & will open & use it for furniture when we move. We have sold a couple of bits here & there for £5 or £12 etc, but that very quickly adds up to £20, which turns to £50 and so on. BTW, I sell on Gumtree rather than Ebay as I have lately found Ebay very hard on sellers. Also, Gumtree allows you to specify a price eg £10, rather than start at 99p & hope it goes up to £10.

Have bought 2 things today - 5 pack tights at Boots for £4.50 & a cardigan for DH in charity shop for £1. Will also join Weightwatchers online once finished at work - sign up for free instead of £33.90 & then get £35 cashback with Quidco, so will be more or less free smile.

AdoraBell Tue 08-Jan-13 16:59:13

Well done Boffin

I had a splurge today, snacks post excersise for myself and DDs - £10, can't do that everyday. Also spent £10 on veg and fruit, no roads today and tomorrow should be an NSD.

My DDs are secondary school age, but here they don't change. Rogue I can well believe the cost of your DS's uniform. SIL says she paid that amount for her son, but OH now doesn't believe herhmm, and is going to quiz her on itshock because a friend has just kitted out 2, aged 3 and 4, for £100 in the supermarket. He's stressed, still not well and rediculous over tired, but that'll be his/sister's problem if he actualy does interrogate her.

jenduck Tue 08-Jan-13 17:03:54

Right, have just signed up to Weightwatchers online. Normal cost for 3 months £31.90 sign-up plus £33.90 for 3 months = £65.80. I had a voucher code which waived the 3 months, so just sign-up fee of £31.90 to pay. Went through Quidco, who are offering £35 cashback, so made £3.10 profit! Even taking into account Quidco's annual admin fee of £2.50, I have been paid 60p to join Weightwatchers grin Will not actually start plan until all Xmas goodies are gone, as I know I will give in to temptation, but signed up now as cashback deal was good!

SoftKittyWarmKitty Tue 08-Jan-13 18:07:20

I thought Quidco's annual fee was £5? It's still a great deal for joining WW either way! I'm waiting for £80.80 from Top Cashback from when I bought my car insurance a few months back - it's tracked but not ready to pay out yet. Cashback from insurance purchases is notoriously slow to pay out, I find. Think it's because the insurance company wait to make sure you don't cancel the policy first.

A few weeks ago I listed something on eBay and someone bought it on BIN. They never paid and I had to open an unpaid item case against them angry. I listed some more things last week, unfortunately only one sold and guess what? They haven't paid. Getting so fed up of eBay.

Those who use Gumtree, is it an auction site like ebay and are there any fees for listing? Do you post items out like on eBay or do your items only show up on the local Gumtree, so people collect in person? I want to re-list the iPod I sold to the non-payer before Xmas but want to avoid eBay.

jenduck Tue 08-Jan-13 18:11:38

Oh, is it £5? Oops blush Still, that makes it only £1.90 for 3 months, so really not too bad at all!

Gumtree is not an auction site. It is really just like advertising in your local newspaper. So you put in an ad, with photos, for free & you can put in your email/phone no if you want, or if not people can contact you through Gumtree Mail, which goes to your email. You can specify how much you want for an item, and IME the buyer usually collects & pays cash on collection or I say "will post item for cost of postage"

Mum2Fergus Tue 08-Jan-13 18:11:46

I much prefer Gumtree these days too. Ive only ever listed locally, and everything has been paid for and collected (including £6.5k for my car). Have a look in Facebook too to see if you have any local Buy n Sell pages.

SoftKittyWarmKitty Tue 08-Jan-13 19:12:08

Thanks, I'll give Gumtree a shot I think. I'm on the local FB selling pages but they're a bit rubbish tbh. Just remembered that there's a local online forum which has a for sale section so might try that too.

HearMyRoar Tue 08-Jan-13 19:55:02

NSD today, though I got to pick up my trousers from fat face I ordered in the sale online so they are already paid for. I've only just discovered the order and collect thing and its super. Means I can order online but no postage costs and I can just pick it up on the way home from work. smile

I tend to choose where I sell depending on what I'm selling. SOmetimes eBay, or my work has a way of putting up a sales ad on the intranet which is really great. If I use eBay I always list for the price I want to sell, it costs a bit more to list this way but worth it. I put our old bed on for £50 and got £70 (not bad considering I had it for 10 years), I don't think I would have got anywhere near that if I had started at 99p. If it hadn't sold I would have put it on the work thing for £50 and just written of any lost fees. I would rather do that then only sell it for peanuts.

Leilandri Tue 08-Jan-13 20:25:51

£18 here in Morrisons on milk (+extra milk for the freezer) packed lunch bits for DH, and some cleaning stuff. Got £1.80 off for Staff Discount but re-invested that into 2 Xmas savers stamps grin

Will be spending £12 tomorrow on getting mine AND both DS's hair cut smile

northender Wed 09-Jan-13 09:28:15

Great WW deal jenduck.
Didn't have to pay out anything for the car in the end on Monday but that's only because they couldn't find the cause of the problem sad. So it goes back in next Wednesday for a more expensive thorough look. Trouble is, it is air getting in the fuel line which causes the car not to start. We've been shown how to clear the air but it seems to be building up more quickly and so happening more frequently and taking longer to clear. Tis a nightmare as dh has to drive to work and I need my car for work. Just hoping it's a problem that's cheap to fix.
Otherwise the week has been okay from a spending pov, however we've got dentist today and I'm out for a meal tonight so that's going to change. Sticking to meal plan well. Also have Aldi shop to do later.

jenduck Wed 09-Jan-13 10:11:43

Morning all! Not planning to spend much today! Will get Sun newspaper for £9.50 holidays, but I think that may be all Going to friend's house for lunch & afternoon, will take tin of Christmas biscuits as my contribution smile

Have also listed 1 thing on Gumtree, will do more later, but taking ages for photos to get from my phone to my email.

Northender if you or DH is at all mechanically-minded, have you thought of getting a Haynes manual & having a look at the car yourself? My DH has fixed many a car this way!

1stMrsFrugal Wed 09-Jan-13 10:24:45

Very low spend so far this week. Had to buy a nitcomb as there are lice at DTDs nursery hmm and will have to get some milk today, but am going to find all the small change in the house and spend that at the self serve checkout (or actually i'm going to send DH as he has no shame).

Finally managed to have a good conversation with DH last night - I feel we have had our heads in the sand a bit, but now we've had no income for 6 months, savings are dwindling and even if he gets a job soon we will still be struggling with the mortgage and have no savings to prop us up as we did before. So, we are going to get our house valued and consider downsizing. We are a bit sad as we thought this was our forever house sad, but we are very fortunate to be in a position where it's a possibility and I hope it will give us more options and a less stressful life in the long run.

Kahlua4me Wed 09-Jan-13 11:51:25

NSDs are going well here.
I took some cash out of the bank intending to use only that for 2 weeks and it seems to really work as I am so conscious of using it all that I am very careful. Whereas I find it easier to over spend if using my card. Have enough in fridge and freezer to eat so no need to shop.

Only spending so far this week have been bills for dh's work, VAT and trade accounts, so all unavoidable and all necessary.

stormforce10 Wed 09-Jan-13 12:19:58

yesterday was a nsd and I'm aiming for the same today though its getting hard and I think I'll crack tomorrow not least because we're low on bread, milk and nappies but also because friend wants me to go for coffee and as she's having problems with her DH and her DD I don't really want to say no to keeping her company IYSWIM. I will pay for the coffee or her DH will ask for the receipt when she gets home shock ( --her DH is a completely controlling bastard IMHO but she won't leave him)

I've just closed a savings account that had a rubbish 0.1% interest rate and moved it temporarily to an account with 1% while I look for something better. Interest rates are rubbish at the moment but at least I've put it somewhere it will earn 10 times more grin

BoffinMum Wed 09-Jan-13 13:26:48

Stormforce, I don't know if you are near a branch, but if you both get a free MyWaitrose card this entitles you to free coffee every single day, I am given to understand. Sounds like she needs it.

bearinbath Wed 09-Jan-13 13:55:25

Boffinmum, I second that about the my waitrose card. It's brilliant, free regular tea or coffee every day! Of course, it's hard not to buy a little something to nibble as well but hey, still cheaper. Only useful if you have a waitrose nearby though! Also can get a free daily mail or daily telegraph if you spend I think a fiver in their shop....

stormforce10 Wed 09-Jan-13 13:58:58

Thank you I didn't know that. We do have a branch but I've never ventured in there so no idea if it has a coffee shop but I will find out friend just phoned me in tears her dh has taken all her money but £10 and told her she has to account for it to the penny with receipts. I HATE him and I wish she'd leave him sad sad

Fluffycloudland77 Wed 09-Jan-13 14:15:19

£1.44 on bread.

CremeEggThief Wed 09-Jan-13 16:05:37

Oh Stormforce, how awful for your friend sad. I shudder to think how much worse things would feel for her if she didn't have your support... Hopefully, she will see sense in the end, but all you can do is be there for her until then.

Only spent 50p on a 2nd class stamp today, but my expenses on card at the weekend have caught up with me! £303.10 on my quarterly utilities bill (I budget £120 for it every month, so the extra £57 has come in very handy after our trip away smile ) and just under £76 on an online shop at Sainsburys. I will only need milk, bread, fruit and veg until next weekend though.

I also changed my euro back into sterling at the Post Office, and was a bit disappointed to get just under £195 for €270. Still better than if I'd spent it all whilst away though!

AdoraBell Wed 09-Jan-13 17:38:42

Oh Storm that's terrible for your friend, I'm so glad she has you. Don't let him push you away, he's almost bound to try. I don't know your situation, but could put a little bit aside for her buy food/toiletries if she leaves?

NSD here today, I'll need more fruit juice soon, homemade ice-lollies are going down a treatgrin I think we're having a mini I hope heat wave, 36C this arvo. OH bought me coffee while DDs played volley ball todaygrin

economymode Wed 09-Jan-13 18:14:07

Not much interesting to report here. Renewed my sports membership, which was £140. But I chose swim only as I rarely went to the gym, so that saved me £100 or so. I can freeze the membership for 8 weeks or so after the baby is born, so I won't lose out.

HearMyRoar Wed 09-Jan-13 18:49:07

So today I spent £7.50 at a local shop on lentils, coffee and rice milk, £2.50 on bread, £2.50 on baby wipes, and £15 at the pound shop mostly on bibs. So if I can still count at all that makes £27.50. Gosh, that was complicated at this time in the evening grin

Leilandri Wed 09-Jan-13 19:28:03

DH spent £1.45 on busfare for him and DS's to meet me from work today and 65p on milkshake for DS1 while waiting for me to finish. (Joint account, so his spends count sad)
£12 on haircuts for me and both DS's. They now look like little boys again instead of curly haired girls! and I have a lovely swishy bob instead of a ratty ponytail Might treat myself and actually use the Aldi hairdye that I bought 5 months ago and go a deep burgundy colour grin

Storm How horrible for your friend sad
MrsFrugal Such a shame about your house, but lucky that you have that option. Hopefully you can find something else that you can fall in love with.

stormforce10 Wed 09-Jan-13 20:47:08

Friend came round earlier and I gave her £40 which is basically the unexpected money I got from BT yesterday. She needs it far more than I do Don't expect to see the money back but I want to look after her. She's talking about leaving if she can but they have 2 DD so its more difficult for her than some sad

Otherwise it was a NSD and I'm going to count it as one as the £40 was a lovely surprise and I'm very happy to put it to such a good use to help a friend. I need it more than BT she needs it more than me.

jenduck Wed 09-Jan-13 20:53:50

Storm so sad for your friend, but it is really great that she has you. It sounds like you are being a big support to her.

NSD here today as didn't get newspaper. Friend who had us round for lunch also gave boys dinner to save them from yet another night of pasta!

Predict a small spend tomorrow - library for story time, visit charity shop while there plus get newspaper & milk for DS2. Need to look for some thick jumpers for DS2 as there is a cold snap forecast for the next couple of weeks!

BoffinMum Thu 10-Jan-13 08:00:30

You are a good friend indeed, StormForce xx

northender Thu 10-Jan-13 11:01:49

Dentist was okay yesterday. Well, expensive but no fillings needed. Dd needs to have some sealant put on her back teeth so thats another cost coming up but I'd rather that than them have bad teeth like me.
The car started first time for dh this morning...yaay! jenduck I don't think DIY is an option for us and the car as there are so many different things that could be causing the problem. Just hope we manage to get through to Wednesday.
Almost 50% of our monthly budget has already gone and we're only on the 10th of the month sad. I'm still hopeful we'll pull it round though. A lot of the expenditure has been one offs and I now have enough food probably to last out (apart from the fresh bits and bobs)
Sticking to the meal plan and finding the expense manager app really helpful for recording spending and reviewing where our money goes.

roguepixie Thu 10-Jan-13 11:11:23

stormface, what am amazing and loving friend you are. Hopefully your friend will follow her instincts on this and be able to address what is so obviously an abusive relationship. You are wonderful to be there for her and to be so generous.

Very spendy day yesterday: needed yarn for project and for squares for a blanket (other thread). I also spent on some body lotion and some food.

Need to spend today at the butcher - totally forgot that it is my anniversary today shock. Only my DMum remembered!!! Both DH and I had completely forgotten. So, I am going to make a nice meal and we will open the chilled bottle of Prosecco that DMum and DDad bought us. (It came with lovely choccie truffles too, so that's dessert sorted) grin

Then I plan NSD's tomorrow and Saturday. The garden needs attention so, weather permitting, I will be digging on Saturday.

stormforce10 Thu 10-Jan-13 11:44:52

A very spendy day and its only 11.30am.

£5 on coffee and some breakfast with friend who phoned Womens Aid after our talk last night and talked to someone there about her options. Yay first step.

Then FIFTY SIX POUNDS in Aldi shock blush That did include 2 presents for parties DDs already been invited to this term, a big thing of freezer bags as we've run out. Loads of fruit and , 2 big blocks of chedder, more butter and various other bits hopefully last us a couple of weeks though some of it may not be very fresh by the end of it but good for soups etc. Also got some cleaning stuff. I resisted all the lovely marked down Christmas offers and the chocolate so feeling quite virtuous.

I cleaned the fridge out and found a pack of tomatos I'd forgotten about far past their bestg, some dried out grated cheese and some peppers so made tomato, basil and pepper soup for the freezer . In the past id have just thrownin them out

CremeEggThief Thu 10-Jan-13 12:53:16

Stormforce, that's fab news about your friend smile. And I think you can take a lot of the credit for your support. thanks

Rogue, happy anniversary! Enjoy your special meal and wine. grin

northender Thu 10-Jan-13 13:04:28

That's really good news stormforce. Well done to you for supporting your friend so well.

jenduck Thu 10-Jan-13 13:06:12

Storm that is great that your friend has made the first step to improve her situation. I hope she has the courage to see it through, it must be so difficult sad

Happy anniversary Rogue! Dare I ask how many years?

Northender it's a shame you can't fix your car yourself, but positive that it started this morning! The repairs may not be too expensive after all! And I'm sure you would be able to ask to pay in instalments, if it helps.

Only spent 40p so far today on a paper. But going to Tesco once DSes are awake, so will spend again there. Need to get some children's scissors, among other things, as DS1, aged just 4 & in pre-school, has been given his first homework shock of cutting & making a paper rocket! Also spent £8 last night on the Mothercare website as saw the Happyland circus down from £20 to £8, so will stash it for DS2's birthday in April. Went through topcashback so got 40p back smile

jenduck Thu 10-Jan-13 13:41:16

Oh, also, for anyone who is interested, you can get free fish & chips at BHS restaurants every Friday lunchtime between now & 5th February, when you buy a hot drink! I plan to go tomorrow, park in the nearby free car park, buy me a tea & DS1 a hot chocolate, then meet my friend at a soft play round the corner smile link

GaryBuseysTeeth Thu 10-Jan-13 13:50:39

storm, well done for supporting your friend & helping her towards her first step thanks

Rogue, have a nice evening!

£18 in Sainsburys today (DS's nighttime nappies on offer, £1 cheaper than normal, £6 half price jacket for him for next winter, 99p on that knitting mag for me & some other baby bits).
£5 in Lidl on Milk, juice & 'parmesan' (t'was rubbish! Lidl is very hit & miss).

jen, oooh, good tip! Might have to take DS, he loves fish fingers!

Eco-friendly cleaning MN-ers...where's cheapest for borax substitute & white vinegar?

HearMyRoar Thu 10-Jan-13 13:56:37

I had sort of meant to have a nsd today but failed. spent £2 on cherries (gosh, I do love cherries though smile ), £2.50 at a charity shop on a skirt and 3 t-shirts for dd, and £6 on a new thermos flask that was half price. Me and dp use ours loads but it is about 6 years old and getting a bit scummy, also this one has 2 cups!

Depending when dd wakes from her nap I might go to clarkes for some advice on first shoes for her. She is just starting to totter about and desperate to walk whenever we go to the park so she needs something a bit more sturdy then her moccsons in this weather. So that may well end up with some money being spent.

Fluffycloudland77 Thu 10-Jan-13 15:29:50

I have a vague memory of borax being used in gardening...garden centres might have it or old hardware stores or places like homebase. Dripak will post it but the postage is extortionate.

If you want it for laundry gloop it isn't really needed.

I find aldi a bit hit and miss for cheese, the mature is lovely but the mild cheddar was rubbery. Didn't stop me eating a whole block in a week though. I think there's another Italian strong cheese that's cheaper than Parmesan, I can't think of the name though. It will come to me later, it grates the same as Parmesan.

Was going to be bad but I need soya milk and bourbons.

I'm trying out a new sunscreen to use instead of Clinique city block, it's a Hawaiian tropic one. I wear sunscreen every day so I get through loads.

Storm, you should post in relationships for your friend, you'll get lots of advice about divorce etc, I was listening to radio 4 today and you can still get legal aid for divorce if there was DV. Worth knowing.

HearMyRoar Thu 10-Jan-13 16:07:33

Dd's first shoes...£28! Argh!!

They are super cute though and she had a lovely time tottering about at the playground smile

AdoraBell Thu 10-Jan-13 16:13:42

Happy anniversary Rogue and MrRogue

You're not the only one who forgets, don't worry, my birthday is coming up and this is the first year since moving to roasting warmer climes that I haven't needed to be told it's my birthday. Problem is for 30 odd years it was in winter and the last 10 it's been in summer, really messes things upconfused.

Storm I'm so glad your friend has taken the first step. Be patient with her, it may take much more time for her to actually leave if he doesn't genuinely change.

This morning I spent a fiver on drinks and ice-lollies post volley ball, later I'm going out to get a ready roasted chicken I'm not putting the bloody oven on in this heat and more fruit/juice/salad and ice-cream.

Tomorrow we're out for dinner, OH wanted to take me to scaryspensive hotel's fabulous but extortionate Italian restaurant but I've vetoed that and decided I want to go to more reasonably priced provided we don't take clients Italin restaurant.

stormforce10 Thu 10-Jan-13 17:11:03

adorabell you're obviously not in the UK its freezing here - ice lollies and ice cream are the last thing on my mind. We're having cottage pie for dinner, proper comfort food

roguepixie Thu 10-Jan-13 17:15:56

Thank you everyone. Well, we met in November 1983 and got married in January 1993 so ... what's that ... 30 years together, 20 years married shockshockshock.

Oh. My. God. I never knew we were that married. shock

MrRogue always just says the combined amount when asked, which is nice (I think confused). Anyway, steak, chips and veggies with Prosecco and chocolate truffles and Baci for dessert.

1stMrsFrugal Thu 10-Jan-13 18:08:58

Fluffy cheese like parmesan, either pecorino or grana padano? I find pecorino has a very distinctive flavour and I don't like it as much, but grana padano makes an excellent substitute for parmesan and is a third of the price.

Spent £12.80 on a top up shop at Waitrose, but only bought things I needed and will hopefully be able to avoid a big shop until next week now. Also used £10 John Lewis voucher that I got from answering surveys, so less than £3 actual cash.

Estate agent has valued our house at more than I expected, which is obviously great news, although I got a but weepy tidying up before he came at the prospect of leaving it. We have also arranged to see a house on Saturday so we've got the ball rolling and I hope seeing a few places will give us an idea of whether this really is an option for us or not.

Happy Anniversary rogue

CecyHall Thu 10-Jan-13 18:10:56

Enjoy your evening Rogue!

Fluffycloudland77 Thu 10-Jan-13 18:20:53

It was pecorino I couldn't think of it. Never tried the other one. Parmesan is expensive.

Which survey sites do John Lewis vouchers?

AdoraBell Thu 10-Jan-13 18:45:20

Storm no, we're in Chile - with a heat wave. I actually wanted curry for dinner last night but that would have meant lighting the hob and it was stil 34C at 9pm. We had salad with cold meat and breadgrin

I'm feeling rather envy at that Debenhams fish & chips offer.

I've just had a drink in the air conditioned coffee shop, will fess up my spending a bit later.

jenduck Thu 10-Jan-13 18:53:44

I'll buy a second cuppa Adora and send you the meal over grin

Rogue 30 years shock. Well done you!

Back from Tesco, they didn't have any childproof scissors, so I borrowed some from my Dsis, but I did grab a few bargains blush. Got grapes, apples, bananas, 2 x finest cured ham, 2 x finest outdoor reared bacon, 2 x farmhouse bread, 18 fr eggs & milk all for £11.06. So am totally stocked up on everything now, should be OK even if snowed in (if oven door is fixed, that is) smile

1stMrsFrugal Thu 10-Jan-13 20:38:33

Valued Opinions do John Lewis vouchers. I get quite lot of surveys from them too, but I do find they generally take longer than they say they will.

AdoraBell Thu 10-Jan-13 20:59:17

Aw, Thanks Jenduck you're a palgrin

Got me ice-creamgrin, plus Fruit, salad, Fruit juice - lot's- roast chicken, frozen salmón, chocolate blush, Fruit turnover type pastries and kitchen towel-£45 plus £1.20 for a coffee and glass of water.

My eléctrica has just gone off, no idea why but I'm hoping it comes back on soon because of the freezers

roguepixie Thu 10-Jan-13 23:28:29

jenduck, I was a child when I met him, a mere child, I tell you grin

jenduck Fri 11-Jan-13 11:21:51

Thought so rogue wink

Went to Tesco again this morning blush to get printer cartridges to print off my BHS vouchers. Got the Tesco equivalent, which were on 3 for 2, so instead of costing £20 for one set it cost me £34 for 3, which is a great saving! However, my printer is now refusing to work! Have done a test page, so I know I've installed the cartridge properly, it just will not print from my laptop (wireless connection) hmm. Anyway, at least that saves me the cost of 2 hot drinks at BHS, plus the soft play nearer to home is cheaper as if DS2 falls asleep (he normally does as we go there when it would be his naptime), they don't charge me for him. Still miffed, I have spent all morning on this bloody printer & it will not work [grr].

So, this afternoon will be max of £4 entry to soft play if DS2 stays awake, plus about £2 on a (much-needed) coffee for me. Oh, and need to buy some new Tassimo pods, so about £20 on that (but will be £35 worth of pods as have a new owner code & will spend £35+ to get free delivery).

jenduck Fri 11-Jan-13 11:24:02

Oh yes, and my competition spree appears to be paying off - I received a pair of Shrek ears in the post this morning (no note, so I assume it's a prize and not someone being mean!). Not quite £10k or a new car, but getting there, I feel...

Kahlua4me Fri 11-Jan-13 11:45:25

Am just about to go food shopping. We have sainsburys, morrisons, waitrose, and lido near us. Which one is best/cheapest?

Do you do all your shopping in one shop or buy bits from all of them?

stormforce10 Fri 11-Jan-13 14:43:34

Just had to buy worming tablets and flea drops for the cat. £10. she wont even appreciate it either and I'll get scratched trying to dose her - humph.

However very proud of myself as went into co-op and came out with ONLY tablets and drops. I resisted everything else smile Still on 6 NSD so far this month. am not even going to try for them at the weekend but will aim for a couple more next week.

Kahlua I don't shop at any of those (prefer Aldi) but mum uses morrisons and says they're very good value especially for meat

stormforce10 Fri 11-Jan-13 14:45:58

Re surveys I do valued opinons and one poll. One poll pay out at £40 and it takes ages to get there but I made £80 on it last year and i'm up to £14.40 at the moment. Not going to make my fortune but £40 is enough to be worth having when it comes in. I've got £9.75 on valued opinions so far so will hopefuly get a voucher with my next survey. I usually get M&S ones and treat us to their dine in for £10 meals

stormforce10 Fri 11-Jan-13 14:48:15

PS if anyone wants to join one poll and feels like being generous to me please pm me your email address I will give it to onepoll and if you join I will get a 50p referral fee. Sorry if that's very cheeky hope no one minds

Fluffycloudland77 Fri 11-Jan-13 15:50:58

NSD here.

Online human pharmiacies do pet medications too, plus you can get cashback.

CremeEggThief Fri 11-Jan-13 16:54:46

Hope you enjoyed your anniversary meal, rogue. Congrats on reaching 30 years grin.

Spent roughly £20 today- on shopping, pre-swimming/ after-school snack in a cafe (not enough time to go home in between) and bus fares for DS and I. Might manage an almost NSD tomorrow, apart from a loaf of bread.

Hope everyone has a nice weekend smile.

NUFC69 Fri 11-Jan-13 17:17:28

Two very spendy days here - £124.00 in Costco yesterday, but that included meat and fish for 22 meals for both of us, so not too bad really. Also things like butter, cheese, yoghurt, juice etc. DH went to the fruiterers for me this morning and that was £15 on fruit and veg for the weekend. List said one courgette, but he came back with one aubergine (can't he read?), so one of us will have to go again tomorrow and no doubt that means that we'll buy something that is not "on the list"!

Helenagrace Fri 11-Jan-13 17:25:13

Grrrrr having a stressy day here regarding the house we own up north. Trying to remortgage onto a but to let mortgage and we've been turned down by every lender so far because we aren't buying another house! It's crazy. We're renting because we've relocated and don't know the area we've moved to but apparently it's being flagged as a sign of fraudshock.

Currently we're paying rent AND mortgage.

HearMyRoar Fri 11-Jan-13 19:15:31

Spent £4 on a sandwich for lunch and some bread. Hoping to get a load of stuff on eBay this weekend.

BoffinMum Fri 11-Jan-13 19:17:05

My bastard dishwasher has gawn and died. £425 for a replacement (semi-integrated).shock

AdoraBell Fri 11-Jan-13 19:51:37

My power came back on after 3 hours last night so I didn't lose my freezer contentsgrin

Today's spends

Roads £1.20
Lunch x3 £15- it's my birthday and didn't feel like staying home DD1 has just treated me to a pot of frozen yoghurtgrin
Supermarket £15- socks, nix and belts for DD1
I bought a pair of shoes too, but that was with a gift card, and in the sale.

The weekend should be NSDs and I should be able to stretch that through Monday too.

Sorry about your dishwasher Boffin

Well done on those Shreck ears Jenduck

Leilandri Fri 11-Jan-13 20:38:17

Storm Well done to your friend for taking the first step, and to you for all your support to her.
Rogue Belated Happy Anniversary
Adora Happy Birthday flowers

Spent £14.86 in morrisons on top-up shop (£5 of that was for a shoe rack), so won't have to go shopping over weekend with DS's in tow smile

Making a trifle tomorrow from leftover pain-au-chocolats that have gone stale, a packet of jelly that I found lurking in the cupboard, and a tin of Birds custard dated BB March 2009!! blush That custard is 3 months older that DS1!! Going to use dream topping instead of whipped cream, so a whole tasty pud for nothing. I would've thrown away the pains and the custard before this thread.

northender Fri 11-Jan-13 21:06:06

£2.50 spent on lunch at work for dh and that's all today.

SoftKittyWarmKitty Fri 11-Jan-13 21:54:52

I've had three NSDs in a row, Weds-Fri smile. However tomorrow won't be the same, as I'm doing my Aldi food shop and need to put petrol in the car. Bummer.

jenduck Sat 12-Jan-13 09:00:13

Morning! Quite a spendy day in the end yesterday blush On top of the initial Tesco spend, there was the cost of soft play (£2 entry for DS1, didn't charge for DS2 even though he played, £2.25 coffee) and then £17ish on some pods from Tassimo - but would have been £37 as had a £20 code

Mum2Fergus Sat 12-Jan-13 12:27:20

Afternoon all...first post since Sun, mare getting back into a routine this week! Anyho, £50 budget this week has lasted well, mostly because we managed to eat from freezer every meal. Top up shop today however think I will eat into next week budget to let me overstock a bit just incase the weather is as bad as predicted. Added bonus of £35 work expenses being repaid that Id forgotten about smile all in all, definitely one of my cheapest Dec/Jan ever! Aim to still be in credit come payday on 20th.

Fluffycloudland77 Sat 12-Jan-13 13:50:34

So, my contact lenses cost me £15pm incl fluids. They are fortnightly ones so after 2weeks I put them in the bin. £180 a year.

More than my car insurance.

If I switch to Asda I can be fitted for monthly versions of the same lens, it will be £75 a year, £15 sight test, and that's including super-duper protein removing all in one cleaning fluid. shock

Now I just need to prise Dh away from sainsburys home insurance, found out last week he is paying £18pm for contents only angry it's due to renew in March so I will find a more reasonable provider.

Alibabaandthe40nappies Sat 12-Jan-13 14:03:52

Goodness it has taken me ages to catch up!

storm you are a good friend.

I agree that getting a MyWaitrose card is a good idea. I have one and they send me vouchers and coupons fairly regularly which make a real difference to my shopping bill. And the tea and coffee is nice on the occasions that I go into a store.

rogue happy anniversary! smile

Adora happy birthday! smile

I have done really well this week. The £50 cash I took out last Friday lasted us for all shopping and top ups for the week.
Shopping was delivered yesterday for £90, and then I took out £47.50 (small shop in Asda plus cash back) to last us for the rest of the week. That will cover top up shops plus any bits we need for the boys etc.

We have frittered nothing, no coffees or cake or anything random. Yay.

DH had a couple of interviews for contracts this week, and has an offer! Start date a week Monday. The other interview went really well too, they are making a decision on either Monday or Tuesday - the rate of pay is a fair bit higher and it is a more interesting project so he is hoping for that one. But if he doesn't get it then we have something in the bag - PHEW!

CremeEggThief Sat 12-Jan-13 15:46:57

Excellent news, ali. Really pleased for you and your family smile.

CremeEggThief Sat 12-Jan-13 15:47:57

Oops, also meant to say that's great going, Mum2Fergus smile.

stormforce10 Sat 12-Jan-13 15:51:46

Alibi that's fantastic news congratulations to your DH you must be so relieved. I hope he gets the one he really wants but as you say at least he'll have a job now smile

Unexpected NSD so far here today mainly because I've not left the house and having stepped out to the bins don't plan to its cold and miserable out there.

DD and I spent the morning baking and produced 18 garishly decorated fairy cakes and a banana loaf. Very proud of myself as learning to bake was my new years resolution. I suspect most bakers would be horrifed by the quality but as prior to this month \iv not done more than a victoria sponge cake at school and that was a very long time ago I am pleased.

Have also made a beef stew of sorts and its simmering slowly on the hob for dinner.

Finally I saw someone asking about adding oats to mince to bulk it out. I tried it on Thursday night when I made cottage pie and DP who's a really fussy eater didn't notice at all so you can get away with it. Just make sure you add some extra liquid as they do soak it up a bit.

AdoraBell Sat 12-Jan-13 16:25:25

Thanks Lielendra and Ali I had a fab day.

Glad to hear that DH has a job offer Ali, fx for the other one.

Well done Mum2Fergus and storm for your baking. As long you enjoy the end result then it's a good cake. smile

Fluffy shock at the price of contact lenses, I was a glasses wearer for years but never tried contacts.

Another way to bulk out mince recipes is with baked beans, my sister used to do that. I don't like beans so I use more veg.

HearMyRoar Sat 12-Jan-13 16:31:56

I'd never thought of adding oats! What a good idea smile

Spent just under £10 on some sugar, lasagne sheets, onions, bread, bananas, humous, garlic and oregano. Farmer's market tomorrow do that will be about £30 at most.

Congratulations Ali's dh . that's great news!

Fluffycloudland77 Sat 12-Jan-13 16:35:28

Dh has never noticed I bulk mince with oats.

economymode Sat 12-Jan-13 18:11:52

Good going, everyone!

Great news about your husband's offer, ali and a belated happy birthday and anniversary, respectively, to Adora and Rogue.

Days just plodding along here, waiting for this baby. Just over 2 weeks until due date, but really hoping it's early.

I haven't spent on anything extravagant, so pleased with myself. £100 cash has lasted two weeks, so two big shops and a few top ups, playgroups, random charity shop purchases etc.

Tomorrow we're going for dinner at Giraffe (40% off voucher) for one final meal out a deux before the baby arrives.

CremeEggThief Sat 12-Jan-13 18:39:30

Belated Birthday wishes, adora. Glad you had a good day smile.

Enjoy your meal at Giraffe, economy. Yum! My sister is due around the same time as you, I think- her E.D.D. is the 27th.

£11.96 on a top-up shop from the local Co-op. I go on and on about how dear it is, so for once I was pleasantly surprised. I bought brioche rolls, wholemeal bread, a bunch of bananas, a bag of apples, a lemon, 4 jacket potatoes, sugar snap peas and baby corn, oven chips, 2 pouches of cat food, a newspaper (with t.v.guide for the week) and S.T.s. Gotta admit that's not at all bad for the Co-op!

economymode Sat 12-Jan-13 18:47:33

Creme - I'm due the 29th, so not long after your sister! I'm looking forward to a meal out, even if it is cheap and cheerful.

NUFC69 Sat 12-Jan-13 20:06:28

Not a NSD as I had to buy a wretched courgette, but shouldn't be spending tomorrow or Monday I think. We babysat DGD this afternoon and my DS made lunch for us before they went out which included an enormous piece of carrot cake. We were still full when we came back and I couldn't face cooking, so our planned meals are being moved on a day, if you see what I mean. Courgette - 54p!

Alibabaandthe40nappies Sat 12-Jan-13 20:24:00

Thanks everyone smile Big relief, his last contract finished on the 7th December!

I hadn't thought of using oats with mince. I use a lot of grated carrot, celery and onions in my mince recipes.

economy enjoy Giraffe. I love their sweet potato chips, yum! DH and I had our last meal the two of us before DS2 arrived at Pizza Express - I was 38 weeks and it was as far as I could manage!

Creme that is good for Co-op. We have one near here that is a 7-10 store so we do use it for milk, bread etc sometimes, especially if we've been away and are coming home late on a Sunday evening. I am always shock at the prices - and I shop in Waitrose mostly!

NSD here today. Tomorrow we may go into town so that we can get the boys hair cut. So parking plus £14. I might do DS2's myself, really resent paying £7 for him when he only needs a few wisps cut off really grin

Fluffycloudland77 Sat 12-Jan-13 21:19:51

I was agency for 10 years before going entirely self employed, could he do that?

You only need a handful of oats, it doesn't bulk it out so much as make it more filling.

Course if I told Dh he would say he knew something had changed.

CecyHall Sat 12-Jan-13 21:40:01

Really spendy day, went to buy curtains for our lounge/diner as ours are literally hanging off the curtain pole all ragged (and are such a wrong colour I don't feel like fixing them!)

However once we got the ones we bought home (£80 worth) the colour is wrong (again) so they have to go back tomorrow to try again, the annoying thing being the petrol cost. And the fact I'm spending a whole weekend on bloody curtains!

BoffinMum Sat 12-Jan-13 21:54:14

Just to say my Austerity Housekeeping eBook is free again until midnight on Amazon, if didn't get around to downloading it the other day. It's Kindle, iPhone, iPad, PC and Mac compatible, so you don't need to buy a Kindle especially.

Alibabaandthe40nappies Sat 12-Jan-13 22:07:41

Fluffy was that to me about the self-employed/agency?

I always chuckle at your posts about having to dupe your DH grin

Hi do you mind if I join in?

I've just download the Austerity Housekeeping eBook from Amazon for free so that will be this weeks reading.

We're changing from weekly pay to monthly at work so need to save the pennies, along with Car Tax and DD's 8th Birthday this week.
I'm going to try and have NSD as much - this week I'm going to aim for Monday, Wednesday and Friday as I know I've got shopping arriving Tuesday and Thursday.

Good luck to all smile

jenduck Sat 12-Jan-13 22:09:36

Forgot to say happy birthday to Adora. Hope you had a lovely day smile

Ali great news about your DH's job, Ali. I know well the feeling of being between contracts. The industry my DH is in is very heavily contract-led and when he was starting out (only graduated & got first job in industry in 2008) he could go 2-3 months between contracts & would have to get temp work to tide us over or, failing that, we were lucky that I could work FT for my Ddad in short bursts. It has also led to a lot of credit card debt being built up as, on more than one occasion, we had to use credit cards to pay our bills or risk losing the house shock. Fortunately, DH is now nearly at the top of his game & well-known for what he does, so he doesn't have to look for contracts any more, he is frequently being contacted with offers of work.

Spent a bit today. Had a spa treat that DH bought for me via Wowcher (a guilt gift) which was £20 instead of £140 (but paid for in November). Had french manicure done there which was £5. Then went for dinner with DH & DSes in a local restaurant I had researched on internet, which did 2 courses for £7.95, 4-7.30pm. So we each had that deal, DS1 had a pizza (DS2 had a bit of everybody's!) & we all had drinks, it came to just £30.50 & we left £4.50 tip. We couldn't manage it all as they were very generous portions, so each came away with half a pizza for lunch tomorrow! It was great to support an independent place, as well. If anybody ever wants to eat out in Southend, I can thoroughly recommend this place!

Fluffycloudland77 Sat 12-Jan-13 22:18:15

Ali, yes.

Poor DH. I blame his brand name mad DM.

It's for his own good.

AdoraBell Sun 13-Jan-13 02:41:28

Jenduck thanks.

Paranoidmother hello and welcome. It's always a pain adjusting from weekly to monthly or erratic in our case pay.

economy hope you enjoy your meal a Girraffe.

Leilandri Sun 13-Jan-13 10:43:41

NSD yesterday. Mainly due to not leaving the house due to torrential rain. sad
Small top-up needed today of milk, eggs and bread. Hoping it stays dry today, so we can get down the allotment. Have sorted through my seed collection (free from magazines!) and have plenty to get sowing now and into Feb, so need to make a start ... It's just sooo cold out there!! grin

Fluffycloudland77 Sun 13-Jan-13 12:11:24

£2 on Lidl sliced mild cheddar. Half price today 49p a pack will keep me going for sandwich cheese for ages.

stormforce10 Sun 13-Jan-13 12:15:40

Today is going to be expensive. We've decided to go out to lunch with some friends and we've stupidly let them choose a not very cheap place. At least it will be a treat and I can make up for it by eating from the freezer all week. Except for bread and milk I don't think we'll need anything else until next weekend as I got a lot in Aldi on Thursday and there's plenty in the freezer

HearMyRoar Sun 13-Jan-13 15:21:09

Spent rather more then planned today. I blame the cash machine as it only gave out £20s so we had to get out £40 rather then £30 so of course it all disappeared. Also we haven't had a farmers market for over a month so got a bit over excited blush

Still we now have super posh apple juice for minimum of 2 weeks, a dozen eggs, 2 packs of sausages, stewing steak, 750g steak mince, 4 chicken breasts, a large pheasant, and a massive pack of pork bones which I will roast, take all the meat off and then use for stock (the last lot I got lasted about 6 months). Oh, and a huge Belgian bun. At least we shouldn't need much at the next one.

stormforce10 Sun 13-Jan-13 15:53:59

wow your farmers market is clearly cheaper than ours. £40 would probably only cover half of that at ours so I've had to stop using it sad

Back from lunch and spent a lot. That's put paid to all our good work so far this month. We didn't have pudding, shared a starter and had some of the least expensive main courses and I only drunk lime and soda but even so it was still too much

SoftKittyWarmKitty Sun 13-Jan-13 16:23:29

Another NSD for me today smile. Went to the park but took a bottle of water and told DS in advance that I didn't have enough money to go to the cafe but I'd make him hot chocolate when we got back. He accepted it really well, thankfully.

Wish I'd known about the reduced sliced cheddar Fluffy but I expect it's part of the Lidl weekend offers, is that right?

Fluffycloudland77 Sun 13-Jan-13 17:02:41

Yes, there's a woman on money saving expert who posts the offers before they appear on the Lidl website.

Lidl is cheaper than aldi for cheese, they have 1.2kg gammon joints for £3.99. It's not a weekend offer, our local ones got loads of them.

Mum2Fergus Sun 13-Jan-13 17:08:10

Fluffy, have you a link to the Lidl Lady on MSE?

Fluffycloudland77 Sun 13-Jan-13 17:10:23

forums.moneysavingexpert.com/showthread.php?t=4385283

It's in mse forum under food shopping and groceries.

NUFC69 Sun 13-Jan-13 18:38:48

So cross I missed the free Austerity book again on Kindle - I had logged off earlier in the evening - drat.

I've not left the house today (while waiting for the snow which didn't arrive), so another NSD today as I thought.

jenduck Sun 13-Jan-13 18:45:22

A small spend today of £2 on chips, because I couldn't find any potatoes to go with our roast gammon blush. Annoyingly, they were the first thing I saw on opening the cupboard later!

Must fill in ds1's school application online later. All a bit confusing as we hope to move soon, and have sold out house (but further up the chain have yet to sell), and think we have found a place we like, but obviously we cannot put those details as things stand. Had thought it'd be all sorted by now but sadly this was not the case sad

CremeEggThief Sun 13-Jan-13 19:48:21

Oh that's a pain, jen. Here's hoping the chain gets moving quickly, so you can put down your choices.

I spent £11.19 today: £5.30 on bus fares, £5 in a café and 89p on milk. I also spent £154 of my Christmas money online on new stuff for the kitchen! My trigger was my toaster dying, but I've been working out what I need for months anyway. I still have £46 left over, so might put that towards a couple of new throws and some cushions. Goodness knows my 6 year old sofas, while not fit for the tip just yet, could do with some jazzing up!

Leilandri Sun 13-Jan-13 20:23:59

Jen What a PITA! Have just done DS1's application. I found it all rather emotional, didn't think I would. He's a bright boy, and is ready for school, but now that he's actually going THIS year, I am so not ready for him to be that grown up sad I'm squirrelling away £10 a month at the moment so that come July I should have £70 to kit him out in school uniform and shoes etc.

NSD here today after all, didn't get to the shops for top-up. Will make it out tomorrow tho.

Need to buy compost and degradable plant pots and get sowing some veggies smile

SoftKittyWarmKitty Sun 13-Jan-13 20:31:14

Thanks for that link Fluffy, I'm going to subscribe to that thread. I usually shop at Aldi but will give Lidl a go. The gammon sounds good, I bought a small one at Aldi which was £2.79 and nowhere near that big.

Fluffycloudland77 Sun 13-Jan-13 20:34:43

I think she starts a new thread every week, which is a bit of a faff.

I didn't know you could subscribe to the threads.

SoftKittyWarmKitty Sun 13-Jan-13 20:50:33

Yes, above each thread there's a green bar and one of the option is 'thread tools'. Click on that and a drop down menu appears - click 'subscribe to this thread'.

jenduck Sun 13-Jan-13 21:12:21

Application done so fingers crossed. It is a frustrating situation, not least because we had a complete chain before, but then our buyer's buyer pulled out, so we lost the lovely place we'd had an offer accepted on sad. I do work for my dad in conveyancing, so you'd think I would be wary of getting too excited, but we just thought it was all going ok! Still, never mind, we still have our buyer and are back on the market just in case, do at least it gives me an incentive to keep the house tidy!

AdoraBell Mon 14-Jan-13 02:47:55

NSDs this weekend, and I plan on staying home tomorrow so shan't spend anything. I'll catch up tomorrow, off to bed now.

Thatsinteresting Mon 14-Jan-13 09:44:08

Hi everyone. I found this lovely thread a news days ago but it's taken me ages to read it all. I would like to join you as I've decided to give up work to be full time sahm. I'm sure we can manage but I do think I'll need to track every penny.

Economy - it's probably a bit late for you if your contract finishes in April but I've discovered the Bill Angel app to stop me over spending. It's free, you just tell it what date your new bill starts and your monthly allowance and it tracks your usage, sending you an alert when you've spent 90/100% of it. Very useful.

northender Mon 14-Jan-13 12:14:57

Not too bad a weekend although we've still managed to spend 64% of the month's budget and it's day 14 shock. I do think we can pull it back as there have been a lot of one offs so far. I've all the meals planned for this week and shouldn't need any top ups until the end of the week. However, the car goes into the garage on Wednesday so there will be that to pay.
Keep up the good work everyone

AdoraBell Mon 14-Jan-13 14:12:47

Hello and welcome to That'sinteresting smile

I am definitely staying home today, but need to look for a holiday on line, and if I find one the dogs will have to go in kennels.

jenduck good luck with your house and school situation.

Stormforce it's such a pain when you go out and can't relax about eating. That's why I vetoed my OH's crazy idea for my birthday dinner. He spent less than £100 for 4 of us including deserts and at his choice of restaraunt it would have been many times that. He seems to like to flash the cash even though it's tight at present, drives me mental. (see above re today's to do list)

roguepixie Mon 14-Jan-13 14:13:17

Good luck to all those making school applications. DS is now in Y8 so none to be done until 6th form. It is a stressful time. I hope you all get your most wished for choices.

Not too spendy here this weekend. A small top-up shop yesterday. So far NSD today. Will need to spend on Oyster bus fare (does it count, as it is pre-paid? Or should I just count the expenditure at TFL?)

It's snowing here today though not settling much. Makes you want to stay in with a hot chocolate ... mmmmmmmm.

Welcome Thatsinteresting, glad to see you here.

roguepixie Mon 14-Jan-13 14:13:42

Ooooooh, btw, belated birthday wishes Adora. I hope you had a wonderful day?

jenduck Mon 14-Jan-13 15:52:19

Spent a little bit today. 50p class money for DS1. Then went to Sainsbury's & got DH a DVD from DSes for his birthday, a card from them & some paper. Also found some child-proof scissors half-price (£1.24 for 3 pairs), so got those, as well as a few top-uppy bits like yoghurts & coffee. Total there £15.11, but used £2.50 Nectar points.

Then this afternoon went to toddler group, 50p, then Sun newspaper (for £9.50 hols) on the way home. Was snowing on the way home (and still is) so got wet, but drying off nicely with hot drinks! I am so happy they have started up again, I love toddler groups & so do my boys. I am of the firm belief that we have to get the DSes out of the house at least once a day & preferrably let them have a good run around (like dogs!) grin

DH's birthday tomorrow, but we are both working & won't be home till gone 8pm, so will do him a special dinner on Weds - I'm thinking breaded mushrooms to start (from freezer) some lovely steaks we were given as part of a hamper for Xmas, with some leftover Stilton made into a sauce, with homemade wedges & veg then just some chocolate biscuits for dessert as neither of us are pudding people really. I do agree it is so easy to spend loads on birthdays etc & uncomfortable when you have to scour the menu for the cheapest option & go without another course etc.

Helenagrace Mon 14-Jan-13 17:09:35

Very frustrating day here. Cannot see a way to rent out our house legitimately. Can't remortgage as the rental income won't be 125% of the repayment at 5.99% interest (even though the products are fixed at 4% or so), current lender also saying no although they admit we can afford the repayments.

The mortgage is less than twice DH's salary and we have £100k equity in the house. We're currently paying combined rent & mortgage of £2100 pm. Crazily our existing lender is happy to lend us a sum for which repayments would be £2,800pm but won't use their own affordability criteria to include rent. Apparently now we rent (because we've relocated) we are "high risk".

DH is preparing an ombudsman complaint and I am very close to touting our story to financial journalists.

We have an empty house and we're being prevented from renting it out. A family could be living in it!

Top up shop today £55 but should last us the rest of the week except for bread.

CremeEggThief Mon 14-Jan-13 17:10:30

Total spend for today: £10.89. £4.60 on travel, £3.99 on moisturiser, £1.18 on two cards from the Card Factory and £1.12 in Lidl.

I'LL read through later when I have some more time.

SoftKittyWarmKitty Mon 14-Jan-13 18:55:32

I spent £2.20 on postage to send out an eBay parcel today but that was it, so not too bad really.

HearMyRoar Mon 14-Jan-13 19:56:40

My baby shaped alarm clock failed to wake up at her usual 6am and stayed asleep until 7:15 this morning shock I was so confused I forgot lunch and so had to spend about £3 on some food at work. Nothing else though.

Jenduck that's what I always say about dd and she is only 9 months old. If we don't get her out at least twice a day we are in trouble grin

Helena, your house situation is just madness! Banks come out with the most ridiculous crap, they really do.

stormforce10 Mon 14-Jan-13 19:59:24

NSD - need to make up for that lunch at the weekend grin

Just wondered why people were doing this. I've cut back because we desperately need a new kitchen and when we strip out the old one we're going to have to damp proof so its going to be ££££££. we're not in debt thankfully but I dont want to go that way just in order to sort out the damp problem. I'm hoping to put aside about £200 a month for the whole of this year so NSDs etc. will help

Alibabaandthe40nappies Mon 14-Jan-13 20:14:22

Jen - what a nightmare with your house hmm Will you be able to transfer into the school in your new area easily?

Helena - reading your posts is making me go 'uh oh!'. We are planning to live in 5 years to somewhere where the state secondary and 6th form are outstanding rather than the selection of 'satisfactories' we have to choose from here. Plan was to buy a new house and keep this one to rent out for income and eventual capital.
I am now wondering if we would be better to sell it and buy something to rent out once we've been moved a year...

Storm - I'm doing this for a variety of reasons. We have debt that needs paying off, we want to move house in a few years, and DH's income is uncertain as he is self-employed. It is too easy to spend far too much when he is earning as he gets a v.good rate.

NSD yesterday and today grin

AdoraBell Mon 14-Jan-13 20:15:21

Rogue thank you, I did have a lovely day. How did your anniversary dinner go?

Jenduck hope your DH has a nice birthday tomorrow

Helena it's just crazy, sorry I have no advice for you, only sympathy.

Storm I do this because we need to reign in our spending as a family. Even though I don't include OH's spending it helps in that I no longer say -okay, as long we can afford it- when he suggests things, like my birthday dinner. A couple of year's ago we went to the Grand Hyatt here and the bill, 2 adults and 2 DCs, was nearly £800, I nearly fainted when I realised. So this year when he suggested the same restaurant I nearly lamped him said No, I want to go here instead. Confessing all my financial sins on here helps me keep on track, keep him in check, and teach DDs better habits than their father would.

Leilandri Mon 14-Jan-13 20:29:50

Spent £9.97 in Lidls today on top-up.
Swapped some plant seeds with a lady too, instead of buying any smile

storm By 'this' I assume you mean this thread, and accompanying frugal living? I am doing it because we are badly in debt, currently close to £2100 when all combined shock and I am determined to clear that by the end of the year. I was on this thread all of last year too, which helped us to finance a move to our own home from MiL's, and for me to enjoy an extended period of Mat Leave. It's a bit like Weight Watchers - not just a frugal diet, but an entire lifestyle change to spending smile

zumbaholic Mon 14-Jan-13 20:48:55

Probably already been mentioned but- I am playing my nectar card for all its worth this year, just between 15th nov and new year I managed to rack up £25 worth of points, and i dont even spend that much.

I cancelled my AA breakdown cover, then went through nectar eshops and reinstated it-should get about 2000 points for that. I do nectar canvass, a few surveys a week can add a few hundred points to your balance. I downloaded nectar searchbar-2 points for every search up to a max of 100 a month.

Basically anything im buying- i go through nectar eshops page-there are so many retailers on there, Im managing to get points for almost everything i buy, also helps theyve linked with ebay as i spend alot on there!

Always try to use bonus points coupons eg 300 points for buying a particular product that costs me say £2.50- you would have to spend £150 normally to get that many points so always try to use if you can.

Finally, when shopping at sainsburys try and get into my habit of buying a product and taking it through the till before you actually do your shop- 9/10 times i get a voucher for extra points or money off which i can then use immediately after ive done the main shop! ;-)

Mum2Fergus Mon 14-Jan-13 21:22:17

Storm, I started initially to help me pull together the last of a house deposit, which Ive now achieved. I continue here because Ive realised just how much money I can waste during a month just by not thinking purchases through. Its also great for tips and support frim orher posters smile

HearMyRoar Mon 14-Jan-13 21:23:41

I'm in because when we had dd we decided that both me and dp would reduce working hours to cover childcare so our income has dropped by just under 2 fifths, ouch! I've done all the sums and know we can manage we just need to be careful. So here I am.

jenduck Mon 14-Jan-13 21:54:26

Ali the village we want to live to, which is actually where my parents live & where I grew up, is only about 3 miles away from where we live now & so is within our current LEA. So, the worst case scenario, I think, would be DS having to come to school here. Whilst that wouldn't be ideal, it's not a bad commute & he is already in the pre-school here, so at least he would have some friends already & know the school (although he makes friends very easily, so I can't see that being a problem wherever he is). The situation does also mean that we are putting on hold TTC DC3, which I don't want to do for too long, as I am already 35 & early menopause runs in my family (my DMum was only 39).

So, really, the house thing is my main reason for being here. However, I have also had to be frugal for most of the time DH & I have been together, as one or other of us has almost always been studying/newly-graduated, so on a very low income (coupled with high commuting costs), so I guess I'm just used to it. I also kind of think that I'd rather put extra money towards a holiday than labels on clothes or food that no-one sees, or coffees out that I can make & enjoy at home!

jenduck Mon 14-Jan-13 21:54:54

move to not live to blush

Alibabaandthe40nappies Tue 15-Jan-13 00:01:36

jen that's weird - I wrote live instead of move on my last post, autocorrect strikes again! grin

Fingers crossed for you with school and TTC!

Forgot to say earlier - DH has been offered the other, better paid, contract - also with a start date of Monday! Just need to find out how quickly they will pay our invoices and then I can do an income forecast and a proper budget for the next few months.

AdoraBell Tue 15-Jan-13 01:51:38

That's great news Ali I'm so pleased for you.

Tomorrow will not be another NSD for me, but I've managed 3 in a row.

roguepixie Tue 15-Jan-13 07:31:38

Woe, so much to catch up with.

Ali - congrat's to your husband. That is fantastic news. grin

jen and Helena - I hope your respective house situations get sorted soon. Banks are very strange - they will lends millions to some with no collateral or backing then refuse someone who can repay merely because the wording isn't right.

zumba mentioned her nectar card - can I just remind those of us who wear glasses that Nectar cards can be registered with Vision Express - when you have your eye test/buy glasses there you can earn mega Nectar points. My DMum recently had her eye test and bought new glasses (she doesn't pay for the eye test) - she attached my nectar card (she doesn't have, or want one) and I have received all those points. On glasses that cost just over £700 that's a lot of points.

Adora, I had a lovely dinner, thank you. Even though I had to do all the work grin. Spent about £15 on steak and was given a lovely bottle of Prosecco (which had a little box of chocolate truffles attached) and that was dinner - a fraction of the cost! Where did you go for your birthday dinner? Was it lovely?

storm - my reasons for joining this thread and lifestyle are really because I have never really been in control with spending. I wanted to grow up and take control of myself. So now I take notice of the spending and the cost of things. I exercise control with myself and the family. We do want to move closer to DS's school, sooner rather than later so it would be beneficial to have some savings to do this with.

This thread, and the people I have met on it, are inspirational. The thread has become a daily (sometimes hourly) read. It focusses me, gives me tips, makes me laugh and cry along with you all. The people on it are amazing - everyone is an inspiration. The tips and support are incredible. And I know I have to admit to superfluous spending, when it happens ... it makes me think about what is com ing out of my purse.

roguepixie Tue 15-Jan-13 07:32:11

WOW, not woe!!!

Alibabaandthe40nappies Tue 15-Jan-13 08:00:22

rogue what a lovely post smile

I slept better last night than I have in about a month!

Today will bring my run of 3 NSDs to an end. We need milk, bread, fruit and vegetables to last until Friday when the next online order comes. I also need to get DS1 some kind of costume for a party he has on Saturday, and a present for the birthday boy.
I still have my £40 cash that I withdrew on Friday, and I think most of that will go - especially as DH is taking DS1 into town for a haircut after school.

Also I've got a plumber coming today to try and sort out our leaky bathroom/shower wall. God knows how much that is going to cost to get fixed. I've managed to save £400 out of our normal monthly spends to go towards it, and hopefully that will be enough.

Fluffycloudland77 Tue 15-Jan-13 09:33:15

I do this because I work for myself and sometimes don't get paid for two months after working. Right now I'm owed £1400. After today it will be £17-1800 outstanding invoices. sad

Plus I think a lot of shops rip you off so I'm on a mission to keep my money to myself. Plus we need a house. Plus I have to pay next years tax this year by July so that's going to be a struggle.

Ali, that's such a relief. The stress of no work really wears you down.

Nsd yesterday.

Thatsinteresting Tue 15-Jan-13 09:52:27

I lead a thrifty life partly out of necessity as I mentioned earlier but also because my dh realised something last year that has really stuck with me. He said 'Everywhere I go someone is trying to get my money. That makes me think it's valuable. I should try to hold on to more of it and be choosy who I give it to.' I knew that anyway but phrased like that struck a cord.
Have already been to Aldi, Sainsburys and Quality Save for top up shop £6.76. Now heading to soft play. Have packed a drink and snack for dc2 but will probably buy a coffee for me. Will do better tomorrow.

CremeEggThief Tue 15-Jan-13 10:10:48

Aw, rogue, how lovely smile. thanks

Ali, fantastic news about your DH smile.

Jen, fingers crossed for your DS's school application.

Helena, no advice, but sympathy with how frustrating and unsettling that must be for you all. I think the banks should apply a little discretion and a lot of common sense, in your case.

Very snowy here. Left the house 15 minutes early to try to catch a bus, but none showed up. So we had a mile and a half walk in 4 inches of snow! It was actually quite good fun, but I am NOT looking forward to when it turns slushy and icy. We will need to get the bus home this evening (£1.70 fares), but that should be it for today. Also spent 89p on milk.

SoftKittyWarmKitty Tue 15-Jan-13 10:27:05

Zumbaholic I don't have a Nectar card but seeing how your points mount up makes me think I should get one. How do I get one? How do I redeem the points?

Storm I'm on here because I've got debt to pay off. I've been paying it off for six years so it's a long hard slog. I started with around 8k but because I don't earn much, it's taking ages to pay off and I've got approx another 18 months to go. I also have no savings, so if I have an unexpected or one-off cost I have to put it on my overdraft. I'm constantly robbing Peter to pay Paul.

Fluffy What do you do for a living? Can't believe that you're owed so much money! Must be a nightmare for your cash flow.

I've just spent £5.78 in Tesco on some stewing steak, butter beans and toilet rolls. I'm making a lovely beef stew and dumplings tonight but already had the other ingredients at home. I still need bread (they didn't have the kind I like) so will pop to Asda later to pick up a loaf.

Thatsinteresting I love what your DH said - it makes so much sense. I'm going to remember that.

Helenagrace Tue 15-Jan-13 11:18:15

Storm I'm here because DH's income has dropped by 25% because he's gone back into employment, having been self-employed for 6 years. We've relocated (and still haven't sold our house) so every penny does count.

I also realise that we've frittered a lot of money in the past just because we had it. "Don't feel like cooking what's in the fridge?" Have a takeaway! "Fancy a coffee - ooh why not have a cake with that?". Etc etc

If we cut that spending out we can live on this income and DH won't be away 2-4 nights a week. I realised that the children won't remember eating out instead of a homemade picnic on a day out but they will remember Daddy being home every night, being at their shows and sports days.

Hoping for a NSD day today. Don't think I need to buy anything.

We have new friends over tonight so I've just made a cinnamon Nutella cake - except we only had chocolate orange spread!

I've applied for a job and I've asked for an info pack about another one. If I could get a job that would really help our finances.

economymode Tue 15-Jan-13 12:55:38

Bill Angel app sounds potentiallu useful, thanks thatsinteresting. Will see if it's available for Windows phones.

Meal out on Sunday was lovely and cost £25, so not too bad.

Yesterday was spendy as I bought some clothes for me for after the baby is born (just in the H&M sale and charity shops) and some decent ready meals (from the Cook shop) to have in the freezer. Got treated to lunch at Pizza Express by my parents though, so not all bad.

Today has been 50p at playgroup and then need to hit Aldi later.

economymode Tue 15-Jan-13 13:00:55

Woah, loads to read!

Briefly,

storm, I'm here as I've become a stay at home mum (with a bit of tiny freelance work) so we've gone from two salaries down to one, with an extra mouth to feed and another due in two weeks. We were never extravagant with our spending, but we have had to make a few changes.

Whoever asked about Nectar cards. You just apply on the Nectar website and then whenever you do any online shopping, go through the Nectar eShops if the site you want to buy from offers points (amazon, ebay and many many others do). As for spending points, I tend to redeem them into Amazon vouchers and treat myself to something, but you can get other vouchers or spend them in certain stores as well.

jenduck Tue 15-Jan-13 15:51:51

I really feel for everybody on here who has experienced a drop in income - an all too familiar story atm sad.

We are fortunate in that our income has gone up recently (DS1 now gets free nursery, I have started back at work 1 day/week, DH can now negotiate a higher salary each time he starts a new contract, every few months or so, usually), but I know it will dip again in a few months as we will lose tax credits & our mortgage will go up as we will (hopefully) upgrade to a bigger & better house. It will be good to have built a bit of a cushion for that & have good habits in place.

It does seem to me that sometimes people don't necessarily help themselves, though (nobody on here!). Someone close to me is losing £600/month from their income, which they will not be able to make up by changing energy suppliers or shopping at Aldi (they do this already), but they will not entertain the thought of selling their 3-year old Seat which sits in the driveway barely used or removing their reception-aged DC from private school. They are also always posting on FB about meals out & days out enjoyed. I appreciate that these things are nice to have, but surely they are not a priority confused

Anyway, back to my spending! £2.65 today on a bottle of ale & some chocolate coins for my DH, so that he has something to open from me on his birthday! DCs got him a DVD & I will buy him a ticket to watch 'his' side at football when he has decided when he wants to go, this is just something for the day.

roguepixie Tue 15-Jan-13 17:13:37

SoftKitty, nectar cards were always issued by Sainsbury's. Get thee hence smile and register for a card (totally free) - you will be able to do it at Customer Services and they will give you the card straight away. Once you do that you can use it at a variety of places - it's a points loyalty so just hand it over prior to paying and the points are added. Points are automatically converted to £'s and you will receive a 'statement' every so often. You don't, if I recall correctly, have a timeframe to use them within so you can save them for ages then use them whenever you want.

HearMyRoar Tue 15-Jan-13 18:06:54

I really need to get better about going through the necter site for online shopping. I get loads from amazon and always forget.

I spent around £10 today mostly on things that I could have avoided if I had just been more organised, so that has rather annoyed me. Ended up buying lunch again today the was late home from work and because I hadn't prepared I ended up picking up some soup for dinner. Must do better in future.

Hoping for a nsd tomorrow.

Fluffycloudland77 Tue 15-Jan-13 18:07:45

I'm a podiatrist, one of main places of work doesn't have an authorised signatory for cheques so I'm not getting paid by them at the moment, it would be the biggest one wouldn't it.

We have family in a delicate situation financially who are also living the highlife. I don't get it. How is buying a brand new fancy car more important than keeping a roof over your head? They all think I'm mad for being so frugal though so it cuts both ways.

stormforce10 Tue 15-Jan-13 19:46:24

Yet another NSD that's 9 so far and I'm aiming for 12 this month. Its gradually getting easier to walk past shops rather than through them smile sorry short post baby screaming

NUFC69 Tue 15-Jan-13 20:03:18

Another NSD for me - and isn't it great that snow is free? Had a lovely time in the garden with DGS and a sledge which we bought for his mum and her DB over thirty years ago. My DH also spent about an hour pulling him up and down the road.

SoftKittyWarmKitty Tue 15-Jan-13 20:32:35

Thanks for the info on Nectar cards, I live near a Sainsburys so will pop in soon (and try not to buy anything while I'm there).

northender Tue 15-Jan-13 21:51:11

storm I'm on here because dh and I haven't had any increase in pay for 3 years now. Until now we always seem to have less than we expect nothing left at the end of the month but can't figure out where the money has all gone. We earn enough jointly to have paid for our home improvements with savings. As we haven't saved, instead we have used credit card borrowing (2 x 0% deals) so to make that work we need to pay that off before the 0% ends. Both our jobs are secure in the short term so it is very doable. If we can manage this year then we'll continue in the same vein next year and build up some savings.

Mum2Fergus Tue 15-Jan-13 21:52:21

£5.03 today in milk, OJ and 6 pack if beans on offer. Also got loads listed on Ebay...hoping Paypal ac will cover my moving costs...have £26 due tomorrow too when some items are collected smile quick question, what age was DS/DD when you got rid of buggy? DS happy to walk everywhere but kept ours so far as handy for holidays if he gets tired. No plans for holiday this year, but maybe next by which time he'll be nearly 5 ...

zumbaholic Tue 15-Jan-13 22:07:49

nectar eshops

Just save this on your favourites and every time you are making a purchase, check there first to see if your retailer is on there, if it is simply click the logo and nectar automatically sends you to that site- its important that you always go through the eshops page though otherwise you wont gain any points!

Once you have a nectar card, sign up for a online nectar account-you can keep tabs on points youve aquired and there are sometimes bonus coupons available online that you can request/print off.

I did my shopping today, as usual took some 42p chewing gum through the till and got - a 160 bonus points coupon, used that along with my 60 points for £2 spend on stationary and my points balance increased from £6 something to £8 something after my shop(so effectively £2 back on that shop). Im saving my points to spend in the sainsburys half price toy sale at the end of october, ready for xmas. Hoping it will pay for most of the dcs presents for xmas 2013!

hthsmile

1stMrsFrugal Tue 15-Jan-13 22:11:15

Hi all. Hope you've had a frugal but happy couple of days.

I am here because as said up thread, DH is out of work and has been for 6m now. Last year he was unemployed for 9m and he also did not work for 6m the year the DTs (now 3.7) were born. I was made redundant at end of my mat leave and have not worked since. Now that the DDs are getting free nursery places and are well settled I have started looking for work, but it's difficult after being out for so long.

Before DCs we earned 6 figures between us so we've been lucky enough to have never worried about money until now. I have recently got to grips with our outgoings and am aghast at the money we have previously wasted and I am determined that it won't happen again. We have no debts except enormous mortgage and we do have a lot of equity in our home, plus we still have some savings, so we are OK, but I really want to set up our lives to make sure that doesn't change in the future.

We viewed some smaller houses at the weekend and I think the downsizing could work well for us as a strategy. I just need to get DH on board fully (!) and one of us needs to get a job. In the meantime I am stretching our savings as far as I can.

Ocado shopping today £40.20. Total spend on shopping this month so far only £122 so we are doing well. Tomorrow's to do list includes cancelling our security alarm contract (useful when we were both out of the house for 14 hours a day working in the city, probably not required now there is usually one of us at home!?) and viewing another house.

Happy thrifting!

1stMrsFrugal Tue 15-Jan-13 22:12:03

Sorry, so long blush.

Cathartic though, thanks grin

Alibabaandthe40nappies Tue 15-Jan-13 23:29:57

Fluffy that is a nightmare, are they doing anything about it?

Mum2 DS1 hasn't really been in the buggy much since he turned 3, because we had DS2 so he was in there! grin We used a buggy board for about 6 months after DS2 was born, by which time DS1 was 3.2 and then since then he just walks everywhere. He does ride on shoulders if he gets tired, but he's 4.5 now and rarely does that unless we are on a proper hike.

1stMrs sounds like you've had a horrendous time with being out of work sad It is at times like that you realise how horribly slow recruitment processes can be. Shall keep my fingers crossed for you that something comes along that one of you can start quickly.

I spent £27 today, all in Sainsbury's. No costume, present or haircut so all of those still to be paid for. My remaining £13 isn't going to stretch that far I am pretty sure!
I got a lot for my money though, there were some good offers on a lot of the things I needed.

AdoraBell Wed 16-Jan-13 02:14:39

Storm I'm jealous of your 9 NSDs, I blew it today

Roads £1.20
food out with DDs, oh must have been £25 all in

Oh, and OH has decided to loan someone a large amount of money, it's a business thing. Apparently the guy who works with OH has used up all his credit, nothing coming in, house at risk and his wife has had enough. I sympathise with her, she works FT and runs two successful businesses and he swans around spending money but not bringing any in. It won't do OH's business any favours to have the bloke go off the rails if she divorces him. I don't where the money is coming from though.

I'll catch up with the thread tomorrow.

AphraBehn Wed 16-Jan-13 08:33:27

1stMrs Your situation sounds similar to mine. My DH was made redundant from a six figure salary job a year ago and is still out of work.

Fortunately we have savings but I need to make them stretch as far as possible because once they're gone I don't think we'll ever be able to have the same sort of safety net again.

I usually only lurk on here, maybe I should post more.

Alibabaandthe40nappies Wed 16-Jan-13 08:57:22

Adora - and that is precisely why I insisted on being a 50% shareholder when DH set up in business grin Seriously though, argh - I would go mad!

Aphra - it is frightening. Will he be able to get another job at the same salary again?

stormforce10 Wed 16-Jan-13 10:07:19

Sorry I was so short yesterday, ds is teething and fairly screamy.

Its interesting to see why so many of you are cutting back and it makes me realise how lucky I am at the moment. We think our financial situation may change for the worse sometime next year but at the we don't know what the outcome will be (a long boring complicated ongoing court case DPs business is involved in hence me saving like mad for the kitchen etc.) We should be left with enough to live on I hope but I'm determined to get used to being careful.

Ive spent just under £9 today. £5 on dishwasher tablets, the rest on newspaper and a magazine, surface wipes and bread. I picked up a couple of packs of nice sausages but actually managed to put them back thereby saving £5. Its odd I found myself looking for an excuse to go in a shop, I was desperate to buy myself something. The magazine was 99p and came with 2 free recipie books which will fit in well with my new years learning to bake resolution - hope it will anyway

jenduck Wed 16-Jan-13 10:11:50

Fluffy that's so frustrating about your place of work not paying up. I have had this situation before, too. They seem to think that because you're not on a payroll & they are not liable for your taxes etc, you can wait because there is no consequence to them angry

storm well done on all those NSDs!

Mum2Fergus we have 28 months between our DSes, so when DS2 was born we got a secondhand double pushchair. Used that for about 6 months, then graduated to a buggy board for longer trips only. He has not even used that now for about 6 months (so since about 3.6)

1stMrs that sounds like an awful work situation to deal with, especially coming from good salaries before. Hope one of you can find work soon.

Adora your DH sounds like his heart is definitely in the right place, but I can see it would be frustrating from a financial point of view!

I have not had the best start to my day. I knew our MOT was up sometime soon, so dug out the paperwork to check - turns out it's a lot overdue shock blush. So have managed to get it booked in for this afternoon at the Council MOT test centre (this is recommended by Martin Lewis as they do not have any affiliation with repair garages, so will not tell you something is wrong just to get the money for doing the repairs IYSWIM). So that will be £46.50, plus a coffee at McDonald's (next to test centre & has a soft play), and possibly some repairs so that it passes.

Also, my Dmum rang to say my Dgrandad was rushed into hospital last night, with rectal bleeding (sorry if TMI!) which has not stopped now 12 hours later. He has lost a pint of blood. I think he will be OK, and my Dmum does definitely lean towards being melodramatic, but still worrying sad

On the plus side, I got my Tassimo order today & am doing a nice dinner for DH birthday tonight, so that is all good.

SoftKittyWarmKitty Wed 16-Jan-13 13:20:21

Adora In your position at the very least I'd get legal advice regarding the money loan and have a contract drawn up should the loan go ahead. Your DH's friend sounds financially irresponsible if he spends like there's no tomorrow, has no credit, no money coming in and is at risk of losing their house, so I'd be very concerned that you'd never see that 'loan' money again.

Fluffycloudland77 Wed 16-Jan-13 13:31:11

NSD.

I bought a smart price duvet for snuggling under yesterday and a Pantene deep conditioners mask. £10 for both in asda. That masks £1.69 more in boots, boots are such a rip off.

Kyle off Beverly Hills housewives swears she only uses Pantene. And people on tv never lie now do they. I'll use it up on Dh if it doesn't work for me.

I've replaced Clinique city block 40spf with Hawaian Tropic SPF 30 for sensitive skin, it's oil free and much cheaper than Cliniques. I bought it off Amazon as it was cheaper than boots. Oddly my skin looks better since the switch. I always thought all those antioxidants would help the skin but obviously not.

1stMrsFrugal Wed 16-Jan-13 16:08:25

Thank you everyone for your supportive comments.

Aphra is its difficult isn't it? On the one hand you have got money for things you need, but on the other you have no idea where or when any reprieve is going to come. His job seekers allowance runs out next week too. Still at least we unexpectedly still have our child benefit!

Was not planning to spend today, but DH had to have antibiotics, so £7.65 or whatever it is for those.

However, there is some good news, as I have been invited for an interview next Mondaysmile.

jenduck Wed 16-Jan-13 16:30:06

1stMrs does JSA not entitle you to free prescriptions or was I imagining that?

Car failed its MOT, kind of thought it would. But it was only handbrake calipers & new bulb for rear numberplate, which DH says he can do himself, so not terrible. Had coffee & DS1 had drink at McD's nearby while we waited (good soft play area there), so £2.18 on that. Then £1.29 on milk for DS2 & paper, as I won't be able to drive to supermarket for a while now, so want to be stocked up!

DGrandad still losing blood, but apparently is not cancer etc, just a tear in bowel, which is fixable. They are gluing today so see how he goes overnight. Might try to see him tomorrow if children are allowed in (bus goes from our house to hospital luckily)

jenduck Wed 16-Jan-13 16:30:42

PS 1stMrs great news re interview!

IAmSheWhoMustBeObeyed Wed 16-Jan-13 17:14:58

Hi, I'm joining as the gas and electric bills arrived today and gave me a shock. £480 combined! I will be phoning tomorrow to set up a monthly DD for the future. Our debts are a joint £3000 overdraft and £700 on my credit card. Today I applied for a 0% balance transfer card so fingers crossed.
I plan to save my part time wages into a savings account until I have enough to pay the overdraft off in one go with a fixed amount skimmed off beforehand to pay off the credit card. I'm hoping a year will do it.

AphraBehn Wed 16-Jan-13 17:22:38

Alibaba I don't think he'll get a job at the same sort of salary, but we can live with a pay cut. Having that big salary was nice for the couple of years it lasted, we had some lovely holidays and managed to save a lot, but we can live on a lot less.

1stMrs Yes, the uncertainty is the worst part. Still, we are very lucky to have savings so shouldn't complain.

Spent £2 today on running club subs. I did a beginners course last year (bit like couch to 5k) and try to run 3 times a week. The improvers course pushes you that bit further and and gives a bit of variety. And it is miles cheaper than gym membership!

Have to return a Christmas present to Debenhams and buy a birthday card and present so will be spending again tomorrow.

1stMrsFrugal Wed 16-Jan-13 17:28:26

Thanks jen. income based JSA does entitle you to free prescriptions, but not contributions based JSA. We have too much in savings to get income based JSA, so no free prescriptions and no more JSA after 26 weeks either sad

Fluffycloudland77 Wed 16-Jan-13 17:54:52

Good luck with the interview Frugal.

HearMyRoar Wed 16-Jan-13 17:58:46

Whoop! Finally managed a nsd. It was a close thing, I had to divert an invite to go for a coffee to a trip to the park with a flask of tea instead. Luckily it was freezing today but lovely and sunny so my friend was persuaded by a promise of a go on the swings grin

Got quite a few bits I need to pick up tomorrow though so might be a bit spendy. I'm going to write a list tonight and pledge to stick to it.

This thread is definitely making the difference though. Before I would have just given in and gone for the coffee but I was so ashamed of having to come and admit to failing at my nsd again that I was determined not to be swayed.

jenduck Wed 16-Jan-13 18:19:14

OK, I'm scared now. My Dmum has just rang & my Dgrandad has gone into surgery. Apparently the doctors have been preparing my DNan for the worst sad. And I have been stupid & looked at Dr. Google sad sad

Sorry that's off thread, I just had to get it out. DH not home for a couple of hours, so nobody to talk to. Kids playing up too as tired. sad

Alibabaandthe40nappies Wed 16-Jan-13 18:34:44

Welcome IamShe smile

jen glad the car isn't going to be too expensive to MOT.

Good luck with the interview MrsFrugal smile

Spendy day today.
£11 on dry cleaning
£20 on lunch out with DH and DS2 - really should not have done this but it was bloody freezing and hot fish and chips called!
£8.67 on a few essentials in Boots
£7.99 on a haircut for DS1, plus £1 parking

Actually that isn't too bad, but it felt awful after a very frugal week.

Still need to get a costume and present for DS1 for Saturday, and I am doing my meal plan and online shop this evening to be delivered Friday. I'm hoping I can keep it to £80.

I still don't know how much the plumber is going to be, the shower valve is leaking into the wall (at least he could tell us what is wrong!!) and needs replacing which will be about £200 plus his labour for fitting it and replacing the tile.
I had our repair guy out today to look at the tumble dryer, it is squeaking and we think the motor is packing up. He said it is dying but that it isn't worth the cost to fix it and he recommends replacing it. Argh.

Alibabaandthe40nappies Wed 16-Jan-13 18:35:29

jen x-posts sad I'm really sorry. Fingers crossed that they are just being cautious.

Fluffycloudland77 Wed 16-Jan-13 19:01:50

I'm so sorry Jen, can you get to the hospital when your DH gets home?

Mum2Fergus Wed 16-Jan-13 19:07:38

Sorry Jen ... big hugs. When will you have someone with you for support?

AdoraBell Wed 16-Jan-13 19:07:54

1stMrs good luck with the interview

Jenduck hope your grandfather is comfortable and recovers well.

Rogue we went to a really good, and reasonably priced, Italian restaurant.

Re having a written agreement for the loan, it won't make any difference here, not like in UK. I should make OH buy me jewellery to value of the loan. At least I'd have something to sell if need be. <evil grin>

Spent £60 today on groceries, I'm hoping to make that do for a week. DDs will need trainers for school next week.

NUFC69 Wed 16-Jan-13 19:19:39

jen - so sorry to hear about your Grandad; I hope the operation is successful and he is ok. It must be dreadful for you all.

I haven't spent any money today, but I can't call it a NSD as DH has gone to do the shopping as the roads are bad and he had to go out anyway. He has got in enough stuff to last a few days in case we get the snow that they are forecasting on Friday and Saturday.

I guess I come in to the No Spending from a different direction to most of you. We are now retired and whilst we can comfortably manage, it's against my nature to ignore the finances, if you see what I mean. Up until the last few years we have always had to be careful and it does come to be a habit. I think the difference between "my day" and what you are all going through now is that generally we started off earning much less and, whilst housing was cheap (relatively) other things were expensive. I think if you have always had to be careful it is much easier than if you have been relatively affluent and then had to cut back. When we were first married forty years ago my food money was £5 a week; when we bought our first dishwasher nearly thirty years ago it cost £250 and I paid for it using the PT money which I was earning (£50 a month!). Thirty seven years ago my DH was made redundant and my FT salary paid the mortgage (£118 a month) and we lived on his unemployment benefit of under £20 a week, plus our savings. I think the most child benefit we got was £2 a week and, of course, there were no WTC or any other help for us when we later had our children.

Sorry if this is a bit rambling - I think you are all doing a fantastic job trying to get your finances in order - keep up the good work!

CecyHall Wed 16-Jan-13 19:35:23

jen sorry about your grandad, hope all goes well

Haven't been on here since weekend so lots to read back through.

NSD for Monday and Tuesday.

Took the second lot of curtains back to the shop today, still no further forward. £3.99 on cleanser, £12.50 in the vegan shop on cheese and cake (so obviously necessary stuff!) an £2.10 on bus fare.

jenduck Wed 16-Jan-13 19:43:28

flowers Thanks everybody. DH will be home about 8.15 "if all the trains run smoothly", so will probably be nearer 8.30. So I have the choice of keeping DSes up & them being grouchy or putting them to bed on my own, which is fine but hard work.

Keep waiting for Dmum to call back with some news. Am praying, which is not something I usually do! If needs be, I will get a taxi to the hospital, as our car is out of action atm.

northender Wed 16-Jan-13 19:50:38

Oh jen sad sorry to hear that. Hope he's okay.
We've had our first NSD of the year today but dh has taken the car to the garage tonight so I'll be on tenterhooks tomorrow, 1. hoping they can solve the problem and 2. hoping it doesn't cost too much
Was really angry with myself earlier as I found the fish I'd bought for fish pies (to freeze) and subsequently forgotten about. It was not salvageable. I'm usually so good at keeping up with what's in the fridge but for some reason missed that completely. So no spending today but some wastage.

Leilandri Wed 16-Jan-13 19:59:32

Jen I hope your Grandad recovers well.
1stMrs Fingers crossed for your interview.

£2.45 spent yesterday on bananas, juice and milkshake.
NSD today grin spent a few freezing hours at the allotment, which was theraputic and have hopefully secure a plot for our friends too, so we can share plants etc in the years to come.

Got to buy cordial tomorrow, so £1 or so there, other than that a day of clearing the rubbish from our garden is in order as our tip is actually open for once and I have a day off work without DS's nipping at my heels! smile

SoftKittyWarmKitty Wed 16-Jan-13 20:21:34

Jen I hope there's some good news about your grandad soon. You must be so worried sad.

I worked today so it was an NSD. I seem to be averaging 3-4 per week which is good. Hoping to have another two NSDs for the rest of the week, then food shop on Saturday.

Mum2Fergus Wed 16-Jan-13 21:04:25

NSD today...had some Ebay sales collected, £26 from that, still a way off having enough in Paypal to pay for house move but will keep at it - Ive a near suitcase full of clothes to list!

Tomorrow likely to be spendy...car going to garage for a few bits, secretly praying it will all be covered by warranty but we all know those things are not worth the paper theyre on lol. Payday on Sat and very happy that ac is still in credit...first time ever for a January I think grin

CremeEggThief Wed 16-Jan-13 21:40:00

So sorry to hear about your grandad, Jen. Thoughts are with you all.

I can't remember exactly how much I spent today, but it was just under a tenner. £7. something on some shopping and £2.50 on bus fares. I was called in by the school to assess a splinter 10 year old DS had! I know they have to be health and safety conscious, but... Anyway, it was too small to pull out with tweezers, so I applied some Savlon and rang the G.P. for advice. They'll only need to see him if it becomes infected.

It was -7° C up here today and very slippery indeed. I always get a bit down when the weather gets so cold and it's so hard to get around. I suppose I feel a bit trapped, although I still managed two school runs and a trip to the shop.

Oh, good luck with your interview, MrsF.

roguepixie Wed 16-Jan-13 22:22:18

1stMrs - good luck with your interview.

jenduck - I hope everything goes well for your DGrandad. Will include him in my prayers tonight.

HearMy - congratulations grin

Helenagrace Thu 17-Jan-13 07:14:08

NSD yesterday. Only need bread and chocolate orange spread today (need to make my version of cinnamon Nutella cake).

I was reflecting on where we've got to with being more frugal and I realised that I've almost cut our shopping bill in half in the last year and I've barely missed anything I've cut out. I've changed what we eat (fewer dishes with peppers, cheaper cuts of meat, more casseroles and fewer meals with chops & steaks) but I usually have four empty plates!

Even when / if we manage to sell or rent out our house in the north I think we'll carry on living this way.

I feel positively sick when I think of all the food waste and all the money we've wasted buying premium or branded goods when the cheaper stuff is just as good or better.

I can do so much more with that cash!

jenduck Thu 17-Jan-13 08:20:21

Heard from dmum just after 10 last night. Dgrandad had had the op & docs were pleased with the outcome, but he was heavily sedated overnight. So first hurdle overcome, hoping for more good news today.

Will go to library today for story time, get paper & look in charity shop. Also need drain cleaner as ours is gurgling a lot. Also might need bus fare to hospital to see dgrandad, all being well.

CremeEggThief Thu 17-Jan-13 09:41:12

That's good news, Jen. thanks

northender Thu 17-Jan-13 10:11:03

Glad to hear that jen.

IAmSheWhoMustBeObeyed Thu 17-Jan-13 10:22:17

I'm glad for your good news jenduck
I am aiming for a first nsd today. Didn't take my wallet out on the school run and the freezer will be searched for dinner. Got declined for a 0% balance transfer credit cardsad so will just have to work away at paying it off interest and all.

stormforce10 Thu 17-Jan-13 10:35:46

that's good news jenduck, I hope he continues to improve.

I am hoping for another NSD today if I can manage it. I've been finding them relatively easy this month because we had so much in the freezer and cupboards. We're having an unidentified frozen object for dinner. I THINK is lamb stew so doing some mash to go with it but it could be anything. Its been taking up space in the freezer for ages so really is time to defrost it and use it (or chuck it)

stormforce10 Thu 17-Jan-13 10:38:21

iamshewhomustbeobeyed not sure how many debts you've got but if you've got a few, have you tried snowballing. Google it. In short its paying off as much as possible of the highest interest rate debts first and the minimum payments on others. THen when top interest rate debts paid take the payment for that and any extra and start on next debt etc. etc. Sorry if I've got wrong end of stick

1stMrsFrugal Thu 17-Jan-13 12:16:30

jen hope you hears some good news today. Sorry that things are so scary.

A lot of spending today, £70 on diesel to fill up the car shock and £55 at Aldi on experiments - bought wine, crisps, pasta, rice, cereal, washing up liquid, curry sauce, tinned fish/fruit/veg etc. Will try them and if all goes well will start buying that stuff there once a month or so. I was impressed with the prices and the apparent quality, so the proof will be in the eating. I got Shredded Wheat very cheap but I was disappointed that their own version Shreddies and
Weetabix had added sugar.

Do you know about www.petrolprices.com/? I saved 4p a litre by checking the prices of the petrol stations on the way to Aldi and using the cheapest one.

jenduck Thu 17-Jan-13 13:58:20

Quick update before I have lunch (DSes napping smile). Dgrandad is still heavily sedated & is in intensive care. This sounds scary, but is, I believe, to ensure he does not move at all & therefore risk rupturing internal stitches. My Dmum (the eternal pessimist) said he looks pinker than yesterday (lost 3 pints blood), which I hope is a sign he is retaining some blood. Docs will be round later this afternoon to see him, so I hope they have good news.

Spending-wise, a bit more than expected! 50p at library for 3 ex-stock books for the DSes. £1 in charity shop for a BNWT Tu outfit for friend's new DS who I will meet tomorrow. £1.39 at newsagent for paper & vinegar - have read that bicarb of soda plus vinegar is good at clearing drains so am giving that a try. DH has booked our car in at Kwik-Fit (used before & impressed) to have handbrake done, worst case scenario seems to be £180, so not tooo bad.

Mum2 hope your car is OK, well done for a thrifty January!

CremeEgg -7 shock (can we have a chilly smiley?)

Iam welcome (sorry I didn't say it yesterday, bit stressed!). Good luck paying off your credit card. If you have internet banking, perhaps you could work out what you have saved each day by not spending & pay that off the balance. It would soon add up!

Storm we have all sorts in our freezers! Lots of fish, but I am not very inventive with fish!

1stMrs I use that website too. Makes me see that even with the spend £40 get 5p/l off, some petrol stations are still cheaper! Cheapest we've found is actually France, so if going for a day trip (4/5 times per year) we run our tank down enough to get there then fill up there. Costs about the same in Euros as it would pounds eg 100 Euros instead of £100.

AdoraBell Thu 17-Jan-13 14:13:22

Jenduck

Glad To hear the Drs are pleased with the outcome, that's always a positive.

stormforce10 Thu 17-Jan-13 14:26:19

jenduck so pleased to hear that your grandad is progressing.

We had fish last night easy recipie so will share with you. Just adapt it to what's in the cupboard /freezer really

Fry leeks and / or onions in oil. Add fish (I used some white fish, tinned tuna and a hand full of frozen prawns, cook for a few minutes and add a sachet of hollandaise or parsley sauce mix plus milk according to packet instructions. stir everything up. Put it in a pie dish and top with sliced potatos (we used left over boiled ones) and cheese then cook in oven for about half an hour.

You could easily do this with cheese sauce or plain white sauce I don't think the type of sauce matters much.

Helenagrace Thu 17-Jan-13 15:40:27

Sounds positive Jenduck.

Topped up in Morrisons bit spendy but got a lot for my spends.

Trying frozen cabbage as an experiment. We all like cabbage but frozen is only £1 a bag which should do four meals. Should be cheaper and less hassle.

Mrsfrugal there hasn't been much we've not liked from Aldi. DH has even said the wine is good and he's a wine snob usually!

HearMyRoar Thu 17-Jan-13 15:49:28

Today I have spent:
£8 at health food place on porridge, eggs and peanut butter
£7 at pound shop of various bits and bobs
£8 at the veg stall on 2 bags of fruit and veg
£2 at sainsburies on some humous (though I might have to go back and buy some biscuits as we are all out and I do like a couple with my hot chocolate after dd has gone to bed)
So total = £25

Not to bad really. That should be food covered for the next few days at least so aiming for another nsd tomorrow. I have just remembered that I have a free coffee on my work cafe loyalty card so if it's really snowing I might treat myself to a free mocha smile

Fluffycloudland77 Thu 17-Jan-13 16:27:32

I like most things from aldi. Mil is a food snob but even she asks for seconds when she comes to our house for tea. I love the toro loco rose wine, didn't think much of the prosecco though.

I use caustic soda from homebargains etc for drains, one pack in a bucket of cold water will clear drains etc, you have to be carefull with it but its the active ingredient of things like mr muscle. I think sodium hydroxide is its chemical name.

Got my cheque from pizza ristorante for my try me free if you don't love me promo. £1.37 woo hoo.

The Pantene mask I used was brilliant! My hair feels like it used to with aveda damage remedy. I need to see where is cheapest to buy Pantene, probably savers.

Nearly bought shoes last night, still might today.

Nsd, so far.

Thatsinteresting Thu 17-Jan-13 19:23:31

Came so close to having a nsd but when I went to collect dc1 from school it was suggested that school would be closed tomorrow due to snow. I couldn't face trying to get out in horrible weather with the children so nipped into Sainsburys for a couple of essentials but bought totally unnecessary cupcake, 89p chocolate bars on offer, £3. I've redeemed myself by picking up reduced stuff for sandwiches that I'll freeze, some reduced marmalade oranges that I'll cook on Saturday and some reduced carrots and coriander that are simmering away becoming soup right now.

Storm- You made me laugh. We had mystery meal tonight too. I had bread, potatoes, pasta and rice all waiting to be cooked when I finally worked out what it was! Turned out it was a sort of dry-ish stew so went well with rice.

Jen- Glad to hear your Grandad is doing ok.

Have booked myself a contact lens check as it's free while I'm part of their payment plan. Once I get the ok I'm going to leave the scheme and shop for lenses online. They're so expensive. I know I could wear my glasses more but I find them annoying.

I'm inspired by everyone's efforts. Thank you.

Mum2Fergus Thu 17-Jan-13 19:36:42

Another NDS for me today, and had an Ebay sale for just over £10...that stays in the house move pot. Not so positive on the car front...needs a new drive shaft hmm once DS settles I'll dig out warranty. All going well I'll have it back tomorrow...DP will drop DS at nursery in morn and I can work from home.

Ive a 0% CC where deal is due to end soon so thinking of applying for another before house move...

Leilandri Thu 17-Jan-13 20:20:39

£6.95 in Morrisons today on squash, cola, eggs, bananas and bread flour.

Supposed to get heavy snow in the early hours of tomorrow morning here, but fading away during the afternoon. I hope so, DS1 has only seen snow once, DS2 never. Would be lovely to get out in it, also easy to have a NSD if too occupised playing in snow grin

Jen hope your Grandad continues to improve x
MrsFrugal I love Aldi. I do a 30 mile round trip once a month to our local one as I love it that much! Usually spend in the region of £130 when I go (including nappies) they are shortlisted to come to our town, but it's been 2 years and we're still waiting sad

Mum2Fergus Thu 17-Jan-13 20:45:24

Pay day tomorrow not Monday...result!! grin

1stMrsFrugal Thu 17-Jan-13 20:58:08

Well I'm enjoying the Aldi Bordeau Blanc (£4.19) and prawn crackers (DH plays footie on a Thursday so I watch TV and drink wine while he's out grin)

Helena I'm intrigued by frozen cabbage. If I buy a whole cabbage I find it a bit of an effort to eat it all, so being able to eat just a bit at a time is attractive. Let me know what it's like!

SheWhoMustBe there are still some very good fixed deals on energy switches about - do you have the best deal? Sorry if you're already all over this, but I recommend a look at moneysavingexpert and if you do switch, make sure you look for cashback deals. I got £70 last year for switching and fixing.

Welcome to all newcomers/delurkers. I have only just arrived myself and am finding everyone very supportive and helpful smile

Thank you so much for all the good luck for my interview. I must do lots of prep this weekend. I've just received the details - 3 hours to include a tour of the school, lunch with the team I'd manage, 2 interviews back to back (one with 3 people, one with 2, all people in senior management team) and then a written test! Slightly terrified....

northender Thu 17-Jan-13 21:31:12

Have just spent money on dh's lunch at work (he's allowed on a Thursday as they do a fab roast for £2.50!) and petrol. The car has had to stay in the garage as they haven't found out what's wrong with it yet. Am now worried that it is going to be something more serious and of course expensive.
ds and dd want a couple of new (to them) games for the playstation so I've listed some ds games on ebay for them to fund the "new" ones. It's good to be teaching them money management too.

AdoraBell Thu 17-Jan-13 22:21:19

MSD here (that's a mega spend day), I went and paid for our holiday.

So, roads -£1.20
Holiday - £4,000, flights, half board and 6 days of excursions in the southern most region of Chile, with a hop across to Arenginta too. Pricey but much needed in order to save sanity.
Winter clothes for DDs, including vests that will last through the school year, for our trip -£170

Tomorrow will be an NSD

We're only putting 2 dogs in kennels, friend can drop in daily to check and feed the adult dogs.

Jenduck I hope your grandad has a comfortable night.

IAmSheWhoMustBeObeyed Thu 17-Jan-13 22:51:23

Darn, the nsd went south when I realized I needed after school snacks for the DCs. That is so often my downfall and I end up popping into Tesco and getting some crap. I keep meaning to bake supplies of fairy cakes and biscuits.
1stMrs I will check out fuel deals, thanks for the reminder.

IAmSheWhoMustBeObeyed Thu 17-Jan-13 23:11:36

Ha just checked the comparison site for fuel and am recommended to stay with my current supplier, albeit on a different tariff. So that's a phone call to make tomorrow.

roguepixie Fri 18-Jan-13 07:22:06

Good Morning Everyone! Are we braced? For the snow, of course? grin Am in London so have just sent DS off to school and have now started the stressing over when he will be able to leave school/will they let them out early/is the train going to be held up or cancelled etc etc etc. Have put extra money in his wallet, a bottle of water and some fruit/nut mix and a small bar of chocolate in his bag ... just in case.

jenduck, am so glad your DGrandad is making progress and is on the mend. I hope he continues to feel better. What a horrible, stressful time for you and your family. You are in my thoughts and prayers and here, {{{have a very un-MN'y hug}}}

Fluffy, good luck with the shoes ... not sure whether to hope you buy them or not grin.

Also, with regards to intensive conditioners - if you have any left over ordinary conditioners then, if you have an afternoon/evening at home slightly wet your hair, put conditioner on and wrap in towel (or not) or tie it up. Leave it for as long as possible then, when ready, wash out. Leaves it lovely and soft and uses up left over conditioner.

northender, hope you get the games you want. Good idea to sell off old ones and it really does teach them that (1) you need to fund purchases and (2) not to have hoards of stuff so de-cluttering too ... win-win smile.

Adora, that's a fairly spendy day, you are right. Still, the holiday is paid for.

On the subject of frozen veg ... back in the day my DMum and DDad used to grow quite alot of veg etc in the garden (they grew up in the war and both were used to growing food). It used to be common practice to preserve foods by all sorts of means - pickling, in oil (common on the continent - have lovely recipe for preserving mushrooms if anyone is interested?), and blanching. This can be done with many veggies. Bring a pan of water to a rolling boil, have a large bowl of very cold water nearby.When water of boiling plunge veggies into water, keep there for one of two minutes, take out of water and plunge into icy cold water. Remove when cold and drain. Dry if necessary, put in baggies and freeze. When you need them just cook as normal. Sorry if you already know this ... am reading boffins austerity book and loads of things are coming back to me - stuff my DParents used to do as common practice and measures we used to take just because it made sense to act that way.

Am going to walk down to the station to meet him later and will pop into the butcher on the way. Want to buy sausages, bacon, mince and chicken ... will take my backpack so I don't have bags dangling off me grin.

I hope everyone has a great day and are not too inconvenienced by the weather. I will be watching the weather, stressing over my guys getting home and knitting DS his stripey socks.smile

jenduck Fri 18-Jan-13 08:24:58

Thanks everybody for your well wishes & prayers. Dgrandad seems to be slowly improving (said very tentatively!). He is now under lighter sedation & can turn his head towards voices he recognises. They hope to bring him out of sedation today, but this in itself is a very delicate procedure, as one has to hope the patient does not have an over-exuberant reaction of any sort, as this would risk the stitching.

We are nearly out of bread & milk & with snow forecast until Tuesday at least (Essex), I want to go to Tesco to stock up on these & a few other essentials whilst DS1 is at pre-school & before it starts snowing (impossible to push a pushchair, I find). Will probably have to take bus back, which will add £1.20 or so to bill. Supposed to be going to see friend this afternoon but will likely cancel if weather bad, as would be walking.

Sounds like a few of us have car troubles atm. Hope they are all not too expensive & easily fixed.

I freeze just about any food. I don't bother with blanching veg first, although I know I should. But root veg goes well in a casserole/pie whether frozen or fresh. I also pretty much always pick up veg at 50% or less at supermarket reduction times - more often than not, it keeps for at least another week after its best before date.

Iam when you ring your fuel suppliers, try the 'I'm leaving you if you don't give me a better deal' tactic - they may give you even more off!

Hope everyone has a good day & enjoys the snow, rather than being incovenienced by it! Is anybody here in Wales, as I notice there is a red alert for snow there, which is apparently rare shock. If so, stay safe.

SoftKittyWarmKitty Fri 18-Jan-13 13:33:47

Jen good news about your GD improving, long may it continue.

Fluffy what's the mask called, please? It sounds just the thing for my frazzled hair!

Adora your holiday sounds incredible. No holiday for DS and I this year, unless I have a major reversal of fortunes. I don't mind too much as I'd rather get the debt paid off then save for a holiday once that's gone.

I spent £3 on ebay yesterday, on a little gift for DS but I'm planning on today being a NSD. Still a week until payday - seems like the longest month ever. I'm sure the earth's orbit round the sun slows down in January...

economymode Fri 18-Jan-13 13:42:21

As always, lots going on on this thread! I'm lurking a bit at the moment as have had a last minute bit of work (was planning on going on maternity leave from Monday (39 weeks) but not looking likely) and have a tantruming, teething toddler to contend with when not doing the data entry task of doom.

Jen, sorry to hear things have been rough, but sounds like your grandad is heading in the right direction now.

Spending-wise we're doing well-ish. Just the usual on playgroups and Aldi really. We've had our final gas and electricity bills (paid the gas, electricty will come out at the end of the month) so as of next month we're just on DD payments.

IAmSheWhoMustBeObeyed Fri 18-Jan-13 13:44:58

Hurrah! Phoned Southern Electric and have signed up for a discounted deal, monthly direct debit, paperless bills and have combined my outstanding £550 bills into the DD over the next year. DD will be £147 pcm and I should get a £50 cash back within three months even though the cash back offer of £100 was only meant to be for new accounts.
Am so relieved we don't need to shell out the £550 in a lump this month.
Thank you so much for prompting me to do it.

jenduck Fri 18-Jan-13 15:15:46

Dgrandad is awake! Still in a state of confusion, doesn't know what day it is but neither do I, but awake & sitting up smile

In other news, spent just over £15 at Tesco on essentials (bread, milk, yoghurts, bananas etc) & a birthday cake for DH & our friend to share, as we are going out for a joint birthday lunch tomorrow. Was rather shock though to have my trolley barged out of the way by a lady pensioner, because I was waiting for somebody else to move their trolley, as they had parked it rather awkwardly. I hate bad manners, but find they rarely belong to teens to whom they are often attributed.

economy take it easy a little! I know it isn't easy in your situation (worked at home until 40+2, I think, with 2.3 year old DS), but this may be the last chance you get for some rest!

Iam great news on your energy bills.

AdoraBell Fri 18-Jan-13 16:14:54

That's great news Jenduck I'm sure the confusion is due to the sedatives, don't worry about it.

Oh yes, I remember many a pensioner being aggressive with supermarket trolleys, elbowing other shoppers out of the way etc when I lived in the UK. And at bus stops too.

Softkitty DDs are so excited they've already packed, we don't go for another 4 weeks!

CremeEggThief Fri 18-Jan-13 17:05:58

Fab news, Jen, and hope you have a super holiday, Adora smile.

I'll read through properly later. Today's spend- just under £20, on travel, some food shopping and after-school/ pre-swimming snack. Oh and £48.63 on online Sainsburys order, but that won't come out until the middle of next week.

roguepixie Fri 18-Jan-13 17:16:37

jenduck, so glad to hear your DGrandad is awake. Wonderful news.

Adora, don't ask me why but I was thinking your holiday would be for August ... not thinking that it's your summer now, isn't it? I hope you enjoy it and you all have a great rest. grin at DDs already packed.

Wanted to stop in at the butcher's today, on way to pick up DS but he wasn't open. Drat. Still, it has resulted in a NSD here for me. smile

Fluffycloudland77 Fri 18-Jan-13 17:53:11

That's such good news Jen, he must be exhausted after his op though.

Kitty, I was using this mask which is £3 in Asda or possibly £2.24 in Tescos. I've always been dismissive of Pantene in the past. The good thing about cheaper masks is that you can use them more often. There's an overnight spray in the same range so I'll be trying that too. I will report back with my findings because I haven't got a project and I'm bored. Or boring as Dh would say.

Don't forget to ring BT if you use them, ask when you can leave and speak to disconnections. £6 a month off the bill is what they usually offer.

Lidl have 99p haggis! Dh won't eat it but I love haggis. Don't forget to check for their weekend half price offers, I think blocks of cheese figure this week but I can't remember the others.

£10 today on a top up shop today just in case I can't get to Aldi on Sunday. It puts this weeks grocery spend totally over budget.

HearMyRoar Fri 18-Jan-13 19:12:04

Came so close to having an nsd but was foiled by a terrible snow related disaster. I had waited all morning and finally decided the time was right to have my free coffee so traipsed down to the cafe only to find they were closed due to no staff turning up in the snow. I was so devastated I had to go buy myself a twix to sooth my aching soul. So that was a 60p spend today.