Sashaying into September savings, the frugality continues....

(454 Posts)
Fluffycloudland77 Sun 01-Sep-13 16:08:15


ilovepicnmix Sun 01-Sep-13 16:23:46

Afternoon. I'd like to join in this month if that's ok? I have been watching the August thread with great interest. I am on a tight budget but not desperate. Just me and my 14 month old so we're not big spenders but I'm keen to save money for holidays in years to come. Anyway, NSD here as I haven't even gone out as DS with his dad this weekend.

LazyMonkeyButler Sun 01-Sep-13 16:28:42

NSD here too. I am having a very boring day catching up on cleaning & laundry so quite easy to do.

Although I did have to convince DS2 that he didn't really want an ice-cream from the ice-cream van & he made do with a bowl of value vanilla from the freezer and chocolate sauce grin.

Ruprekt Sun 01-Sep-13 16:32:30

I am in!

NSD here. Really want very little on cc at end of month.

Did £38 at Waitrose and £48 at Aldi yesterday.

Will do petrol tomorrow.

Gave ds £5 for lunch but think he didnt go to Mc Ds so will get that back! smilesmile

northender Sun 01-Sep-13 18:10:23

Marking my place

CunfuddledAlways Sun 01-Sep-13 18:15:27

nsd today, hoping for another tomorrow smile

talulahbelle Sun 01-Sep-13 18:16:10

Due to car issues I'm likely to be seriously short of cash for the next few months, so I hope I am welcome on this thread smile I'm not that good at budgetting, we have £300 in savings, and I want to increase that by a factor of 10 by this time next year.

£1.48 (and £15 worth of points) in Sainsbury's for a top up shop, but now we should need nothing for a week. And I made £5 selling an old jacket of DHs on one of the facebook groups.

I'm aiming for 15 NSDs this month, other than any direct debits that may be due to go out. I'm also hoping to persuade DH that a Mon-Fri lodger is a good idea...

Queenmarigold Sun 01-Sep-13 18:26:40

And me. Facing unemployment and whilst we can exist on 1 wage we can't spend anything at all- zero disposable income. Managed to get asda shop down (yes down!!) to 100 quid today. Bought less n planned meals for the week, we will see how it goes... But I need a hair cut for job interviews and petrol for the car, let alone some kind of suit. Aargh!

takeaway2 Sun 01-Sep-13 18:46:31

Thanks fluffy for setting this up!

Had a spendy day with lunch out, big shop at aldi (£65) as just for back from holiday and a £5 puzzle for DD's friend's birthday next weekend.

Not optimistic about being NSD tomorrow as DS doesn't go back to school till Wednesday and I have a few errands to run tomorrow in town and will have to take him along!!

Happy week ahead everyone.

takeaway2 Sun 01-Sep-13 18:47:34

Oh and welcome to all the new frugallers!! smile We are all in it this together!

Shinyshoes1 Sun 01-Sep-13 18:49:03

I'm definitely in ..... I seriously need to cut back .. I'd like to say it was a nsd here but unfortunately £130.00 later sad

Shinyshoes1 Sun 01-Sep-13 18:50:14

I am tto have 4 nsd 's this week before Saturday .. I think I can do it

Neena28 Sun 01-Sep-13 18:54:23

May I join too please.

Nsd for me, hopefully first of many. I haven't been frugal enough by far and it's catching up with me. Especially after a very expensive school holidays and back to school bills. I need to rein it in a bit a lot and learn some better habits.

I have a ds 12 and a dd 8 so basically feeding, clothing and entertaining two adults and a child.

Neena28 Sun 01-Sep-13 18:58:41

Sorry probably a stupid question but...

Does a nsd also include if dd's etc go out of the bank? Does it include everything? I give ds money for lunch and the bus each day, so theoretically would spend that every week day. Plus I have to pay parking sometimes for work but have no choice as its ad hoc so would that also ruin a nsd? I don't want to be a fraud when others are trying (and succeeding).

Fluffycloudland77 Sun 01-Sep-13 19:27:03

I don't count DD but I do parking. Any free safe parking roundabout? There's a scheme where people rent out their drives for parking if they are close to town centres.

I can't remeber what it's called though?

Would your ds have packed lunches? Or would that not suit him? I loved school dinners.

Helenagrace Sun 01-Sep-13 19:31:02

Off to a good start here with NSD number 1.

Still using my £12 off a £60 shop vouchers from Sainsburys. Another three weeks so that's a big help.

Hello to all the new frugaleers!

racingheart Sun 01-Sep-13 19:43:49

Please can I join in? Got lots of huge extra expenses this month that can't be avoided.

What are these vouchers, Helena? They sound good.

Didn't spend anything today. Cooked a big minestrone from store cupboard and a big apple crumble from our own apples.

DH bought milk and sunday papers but that's it.

Going out tomorrow, so unavoidable. I've decided to be careful on food costs this month as that's pretty easy to do, so the massive new expenses don't scare the bank.

racingheart Sun 01-Sep-13 19:47:02

Queen marigold if you live near a city, you can get good free haircuts at the training salons. I used to get gorgeous Vidal Sasson and Toni & Guy cuts free when I was younger. Takes time, but they are £100 cuts for free or almost free.

saintava Sun 01-Sep-13 19:48:30

Can I join in? We're on a tight budget and I have been over for the last couple of months. Really stuck to it in August and was within budget by about £10 overall so that's great.

I budget £140 a month food for me, DH, DD1 (3) and DD2 (2), spent £1.80 today.

£40 petrol for me for the month, I'm a SAHM, put £20 in car today as was running low.

£40 entertainment, used £10 at carboot sale today but got loads and loads of clothes for next year, plus elefun game which my eldest has been wanting for ages, got it for £1. DD1 is back at preschool next week. We also find lots of cheap/free things to do.

I do however had to MOT my car this month, managed to get it booked at normal garage for £21.94, shouldn't need anything much done as not driven that much and only 5 years old (fingers crossed). Last MOT had warning on a tyre, that has now been replaced. Was very pleased when I realised that I bought 12 months tax in April to separate the MOT and tax payments across the year, had been thinking I'd need to pay that this month.

All DDs' Christmas shopping done now, bought in sales across the year.

Am hoping for some NSDs this month.

rosyryan Sun 01-Sep-13 20:10:00

I'd like to join to if I may. We had loads of unexpected expense in August and the credit cards are spiralling out of control. sad Anything I can claw back is going to help us get through the winter.

MadameLeBean Sun 01-Sep-13 20:17:25

Joining in. I've been striving to clear debts (ive paid off 8k in 10 months) and almost there but somehow still end up resorting to credit card at the end of the month. I've got £1k in overdraft and another £1k on credit card to clear now. I also owe my mum £1100. If I am really frugal I can get these all paid off by Xmas. But this means making pack lunch for myself and cycling to work every day even in the rain! shock

Neena28 Sun 01-Sep-13 20:43:57

Fluffy...thanks for the help. I have to park at the places I go to unfortunately, don't want to say more than that cos it's a bit identifiable as its job related!! Maybe I shall exclude it or add it in brackets if it falls on a nsd

Ds loves school dinners, dd is happy with packed lunch. Most of ds's friends have dinners especially his best friend who is a newly diagnosed diabetic so is allowed into the dining hall for the first sitting and allowed to take a friend. Packed lunches and school dinners sit separately, so that's an allowance I'll make for now. He is taking a snack from home though from now on not buying one so a little help.

I might give him his lunch money at the start of the week so he can budget it, he has pocket money and clothes allowance which he's good with so can't foresee a problem. I pay dd's at the start of the week anyway.

Neena28 Sun 01-Sep-13 20:45:07

Wow Madame!

prettymess Sun 01-Sep-13 21:03:36

I'm in.
I need to really cut back our grocery spending.

Helenagrace Sun 01-Sep-13 21:55:36

I don't know why I got the vouchers racingheart. This is the second lot I've had. I used to be a regular Sainsburys home delivery shopper but I've been going to Aldi recently. I think they're trying to tempt me back!

AdoraBell Sun 01-Sep-13 22:15:47

Found yougrin

About to get shopping, will report back and catch up later.

confusedofengland Sun 01-Sep-13 22:19:13

Waving hello to everybody, oldies from the August thread & newbies alike!

Helena I got similar vouchers for Sainsburys - 6 weeks worth, alternating with £3 off a £20 shop (I never spend that much in one go shock) & 6p/litre off fuel if I spend £20 instore. Also 500 bonus points if I use all 6 vouchers. They send them to me because I never spend big amounts anywhere, I'm more a little & often shopper.

Finished August on an NSD. Started September on £2.76 for milk, tinned toms, garlic & tom puree (for dinner). Not been spendy this weekend as we have been tackling the jungle of a garden in our new house & been kept incredibly busy. grin It's what you'd call a project - structurally all sound, but gardens & house a real mess decoratively, although upon ripping up the carpets we have been rewarded with decent floorboards on 2/3 floors.

Will be spendy this week. Tomorrow is DS1's last day before he starts big school, so doing a morning at a seasidey town with both DSes & picking up a pair of Ebay maternity jeans en route (£1.99). Will only pay for splash park, ice cream & parking, though. Plus need to buy magnolia paint to blitz new house with & probably loads of other bits.

Really need to try & rein it in though, despite house move, as will be the first time in a few months we've had a mortgage to pay, so need to get back into the rhythm of things.

ArtemisatBrauron Sun 01-Sep-13 22:22:38

Hello all!
We had to pay for more decorating and DIY stuff today but I was saintly and avoided spending any money on clothes, shoes or other fripperies while we were in huge shopping centre looking for curtain poles. <halo emoticon>

We are also meal-planning very strictly and using up every scrap of food we have, it's been great watching the fridge empty and realising nothing is getting wasted, and we have been eating really well too!

This summer has been a money drain with moving house but I start back at work on Wednesday and from then we are:

Meal planning and not eating out until October half term

No wine on school nights (always have this rule, but this year I start at a school where we teach on Saturdays, so only 1 night a week is allowed now in term!! shock

At least 3 NSD per week - should be do-able if we meal-plan properly and don't need to pop out for things each night.

daisychicken Sun 01-Sep-13 22:24:58

Marking my place!

Today is ds2's birthday and grandparents were round for tea so had to nip out for wine(!) Tomorrow is the last day of school hols for us so having a day out and expecting to spend £10-15 but apart from food shop... I'm expecting some NSDs this week!

AdoraBell Mon 02-Sep-13 01:45:33

Technically I've had another NSD because OH paid for shopping out of t'other accountgrin. This week we had to get traditional dresses for folklore event in school. That added another £35 to the grocery bill. Also the dog food is now included in the grocery budget whereas OH used to pay that separately. He spent around £140.

I'm changing where I shop for fruit and veg but still need to go into town for meat/fish.

DD1 has her birthday celebration next weekend, half paid for a couple of weeks ago. We shouldn't have anymore big DC related expenses now unless Disney Dad OH decides to splash out on Christmas. He's finally paid off his CCs, taken nearly 5 years.

Welcome to all the newbiessmile

AdoraBell Mon 02-Sep-13 01:47:21

Forgot To say Happy Birthday To daisy's DS

Shellwedance Mon 02-Sep-13 08:20:08

Am going to jump on too, if that's OK.


Shellwedance Mon 02-Sep-13 08:22:14

Sorry, DD (10 months) pressed send too early!

Just moved into our own place and am chronically bad with money. Spent £15 on food, £40 on petrol and £10 on lunch so need a NS week ideally!

jonbonjovismissus Mon 02-Sep-13 08:58:28

£2 today at the holiday club at the church but that should be it as back to school on Weds. Has been a seriously spendy summer so need to get back into a frugal mindset!

Trigglesx Mon 02-Sep-13 09:01:49

Joining in again this month. NSD yesterday, and hopefully again today. Should also be NSD tomorrow, Thursday, Saturday, and Sunday. I'm feeling pretty good about that. Don't know though - does it mean I'm spending less or just organising all my spends on one or two days? hmm

Anyway, this month's goals for me are putting money in savings and staying completely out of the overdraft. That's going to require me to stick to my budget and no takeaways or unnecessary spends (except £20 that I've allowed myself at Asda later this week to pick up a few bits and bobs that I wanted to get).

peachactiviaminge Mon 02-Sep-13 09:17:31

Anyone else doing No waste week? I'm so sick of the amount of food I bin each week I'm hoping this will force me to make some changes! Going to do roast vegetable spaghetti for dinner to use up the left over veg from yesterdays stir fry today.

Trigglesx Mon 02-Sep-13 10:10:53

No waste week sounds a good idea to me. When DH and I separated, I noticed our food waste bin was much less full - when he cooked he made HUGE portions, so we always had so much more waste. But there's always room for more improvement.

roguepixie Mon 02-Sep-13 11:25:39

Managed to start a September thread myself - checked but couldn't see that one had been started. Never mind - have found you now.

DS gone to Thorpe Park for the day with his friends - so technically a spend? Gave him £20.00 for extras and had to take him across London for the pick-up (will need to do the same thing later when they come back) so diesel 'spent' there.

AdoraBell Mon 02-Sep-13 13:09:06

Trigglesex I think the key to knowing if you are spending less will be How much you save by the end of a given time frame, week/month or year. And Well done on budgeting Those odd bits you want from Asda, that will help keep you from over spending.

Rogue hope DS enjoys his day out.

No waste week sounds like a good plan.

I shouldn't need to spend anything Today, OH refueled the car I use last night and Pilates I pay monthly in advance.

Emski76 Mon 02-Sep-13 13:20:13

Hi all. Can I join? Dh and I are spending money like its going out of fashion.
Had a technically no spend yesterday. Did car boot and made £50 but spent £6 on the boys.
Have to post off some DVD's I sold on ebay this afternoon but should be technically no spend as buyer has paid for postage.
I do need to pop into Sainsburys tho for a few bits. Will aim to buy only those 3 things!!

This is a brilliant thread which I have been reading for a while but thought it was time I joined.

ilovepicnmix Mon 02-Sep-13 13:50:04

Afternoon all. Today I have spent £1 on contribution to a colleagues leaving present. Im not usually so mean but I don't know her well and I feel like I am forever giving for a birthday, wedding, leaving present! Also spent £2.69 in b&m but got packet of biscuits, 3 jars of fancy pesto and 2 x 4 packs of organix raisins for my DS. I bloody love that shop but it's too easy for me to buy foods for the cupboard because they're so cheap.

sportinguista Mon 02-Sep-13 13:54:34

I really need to spend less, am pretty much skint and still with 8 days to go till pay day. Need to get overdraft down and 2 credit cards, not massive amounts but enough. On the bright side, I have around £400 more coming in due to DS starting school and a colleague is giving me some outgrown clothes of her sons, some of which are designer brands. I don't really need to spend much in run up to pay day but am hoping for a few NSDs as summer has been very expensive and they're increasing the electric bills...

prettymess Mon 02-Sep-13 15:08:47

NSD so far.

I am rediscovering things I love doing that are free. Play guitar, crochet (got loads of yarn from MIL), read... I'm also using the exercise bike that has been collecting dust for a few weeks (too hot to use it = poor excuse!). Did over 10 km in half an hour. Got to be careful not to overdo it as my knees are pretty knackered!

And the Netflix trial I started two weeks ago has been so great. I'm still not sure if I will keep it, but it is going to cut down on buying dvd box sets and other crap like that!

I'm really trying to plan meals. So I went through all the cupboards and made a list of what we have. I found loads of stuff that was well passed the use by/best before date. I'm not that bothered about it, but some were obviously off blush So some store cupboard stuffs need replacing.

confusedofengland Mon 02-Sep-13 15:17:11

It has been a spendy day so far for me & mini Confuseds. We went to an estuary town near us as a treat, as it is DS1's last day before he starts big school. Spent £4 on parking, £1.20 on tea, £1.60 on ice cream & £4 on splash park for both DSes. Then £2 picking up a pair of maternity jeans I got from Ebay. Finally £20.04 on diesel.

Now I have to summon up the energy to go out. Need to buy £30 worth of groceries at Sainsbury's, then I will get 6p/litre off fuel (it is the cheapest place in our town anyway). Also need to return some bits to Tesco that we don't need, pay in a wages cheque & get a security tag taken off a maternity swimming cossie from Mothercare (which I didn't actually notice until I was in the changing rooms at the pool hmm), so none of that should cost anything.

Tomorrow should be relatively Low Spend, maybe just a coffee with school mum friends & some paint for new house.

Emski76 Mon 02-Sep-13 17:59:41

Update. Postage for dvds was less than expected so yah there but spent almost £10 in Saibsburys. Should be NSD tomorrow and Weds as busy days with work, gym and swimming lessons for ds1

prettymess Mon 02-Sep-13 19:53:43

Urgh £9.66 at Coop and £10.72 at Sainsbos. And got food delivery tomorrow of about £60 <throws hands in the air>

confusedofengland Mon 02-Sep-13 20:52:51

Spent £30 at Sainsbury's on bits & bobs, plus £45 at B&Q on paints, rollers & brushes. Got £8 refunded at Tesco & used £2.50 of Nectar points so not all bad.

Have just finished naming & preparing all DS1's things for his first day at nursery tomorrow. Am a little sad for him, because he wanted to show his uniform off to his daddy, but Daddy didn't get home until DS1 was in bed & will be leaving before he is up in the morning. Feels very much like work comes first with DH atm & we come a very poor second. I don't expect him to be involved in the minutiae of the DC's lives, just the big stuff like this, that is important to them. DH is just angry with me (his words) as he says I don't live in the real world. Maybe not, but it breaks my heart to see DS sad. sad

confusedofengland Mon 02-Sep-13 20:53:29

Not at nursery, at primary school, oops! Freudian slip!

takeaway2 Mon 02-Sep-13 20:56:06

So today was spendy day but mostly necessary. Was with DS who was really helpful!

Started off with car wash £5 and £2 for vacuuming. Ohh it was disgusting. shock The car feels so good now.

Then to b&q to get paint roller and car freshener and batteries. £10

Then to town. By which time it was lunch so had lunch out £20. Library £1.35 for an audio cd for dh. The works for presents for a 2 year old £7, £3.99 for something for DS.

Dept store for a shirt that dh wanted £19.99 (down in the sale!!) - a present for our anniversary!! grin

Put in a cheque for dh's company smile. Measured DS' feet and thankfully they've not grown so he can wear all shoes on Wednesday.
M&S for cards for special people - but got one card free so spent £8 and saved £3.50.

Sainsburys for some stuff under £9 I think.

Hopeful for NSD tomorrow.

peachactiviaminge Mon 02-Sep-13 20:57:10

Wasted - 4 mouldy mushrooms. Whoops blush Better than the full packs its been lately though! DH cooking tomorrow will be scrutinising his meal for potential waste.

Spent £3.40 on bus fare and 67p on a crap magazine for the bath. More bus fare tomorrow but that should be it hopefully.

Prettyness - you sound like me I have food hoarding issues one half freezer one stand alone 4 food cupboards a tea trolley and spice cupboard all full. Makes me feel safe only problem is using up stuff kills me. blush

northender Mon 02-Sep-13 21:03:28

Our week's tight post hol budget starts on a Saturday, but after a spendy Saturday we have £10 to last the week grin . I'm determined to stick to it though.
Today is ds' 12th birthday so rsther than go out for tea and pay for my parents too, I cooked a 3 course meal of his choosing. Gutted though as I'd ordered a watch for him and it hasnt arrived in time sad . Can't believe my baby boy goes to high school on Wednesday shock where did the time go?
Dd has her op tomorrow, thanks for your messages smile. She had her pre op appointment today and seems calm about it. Not sure I'll be so calm tomorrow.

saintava Mon 02-Sep-13 21:15:02

NSD day for me today.

Went to see a friend who's kitten sadly died in the night sad

Then home for lunch, out to the park with NDN and her dc. Then doctors appt for DD2 who has recurrent ear infections and has had 5 courses if antibiotics in the last 8 weeks. Helpfully the last doctor I saw put some calpol and ibuprofen on the prescription as well as we are getting through so much of it.

Then home and cooked chicken tagine from, used up some chicken from the freezer.

DH has bought home some filled baguettes and pastries from work so thats lunch and some breakfasts sorted.

Hoping for NSD tomorrow though have dentist appt as filling that was done 4 weeks ago is hurting more than it was before the filling was in. Am really hoping I don't need to pay anything for it, as i paid for the treatment last month.

Will be making cheesy quesadillas tomorrow to use up some chilli from the weekend, trying not to waste food!

Helenagrace Mon 02-Sep-13 21:57:41

Only spent 90p today!

Out all day tomorrow at an INSET day (I'm a governor). Children in childcare but I don't have to pay that until October so that's an NSD yes?

AdoraBell Tue 03-Sep-13 01:57:11

Sounds like an NSD to me Helena

Today I spent another £6 ish on fruit and school supplies. OH, on the other hand, spent around £500 talking to Drs because he felt rather rough. All is well and he just needs to make a few changes that only he can do.

Thatsinteresting Tue 03-Sep-13 05:29:59

Planning a trip to the park with friends today as it's the last day of the holidays. I'm taking lunch with us but I may treat them to an ice cream. After that there really will be no more spending until payday.

I've sat down and gone through all our bills again and made some changes to our providers. There's some excellent cashback offers around so including those payouts we should be about £30 a month better off.

Confused I hope your little boy enjoys his first day at school today. My dd started last year and it is a very emotional time for you. They just see it as new friends and new toys. Don't be to hard on DH, you've had a lot of stressful events recently and if he's worried about money too he may feel he needs to show real commitment to his job. However, when you think the time is right do have another word with him. This is a massive milestone for ds and one day your dh will look back and be sad he missed it for a job that no longer matters. I'd feel the same as you if my dh behaved that way.

Thatsinteresting Tue 03-Sep-13 05:31:11

Sorry that sounded a bit preachy. I was just acknowledging your feelings and his but agreeing with you!

frazzled74 Tue 03-Sep-13 06:21:15

Im in this month as have overspent this summer and am way off target with christmas and next years holiday savings (as in have saved nothing!)
I have started with aldi shop yesterday of £78 , this should do 10 meals plus packed lunches etc. I have recorded Jamie Olivers budget meals programme, hoping to get some ideas. Nsd today and tomorrow as at work. Ive got a lunch with a friend booked for thurs as a back to school treat to myself but that should be it this week as dcs are busy with parties and playdates this weekend.

roguepixie Tue 03-Sep-13 08:08:23

confused, hope your DS has a wonderful first day at school, such a big step for them. Wrt to Daddy not seeing him in his uniform...could you take a photo and then print out a big copy on A4 paper and pin it up - it would make the day all about DS and means that Daddy sees it too? Sorry if it's a daft suggestion I just understand how you feel - DH was working all hours for a lot of DS's early years. He could have made more time for us but chose to prioritise work...then moaned that he missed the big things. Yeah, ya think? It is hard though - DH's main focus is on providing for us and sometimes mixes up just what is important. It's a hard balancing act.

Yesterday: DS had a brilliant time at Thorpe Park, thanks Adora. However, a portion of the group went off on their own (not DS, I hasten to add) and had to be found at the end of the day. This meant that instead of leaving the park at 6.15pm they left at 7.15!! By that time I was already in position to pick him up...cue waiting 1.45 hrs for them to arrive back after wrong turns, traffic and dropping children off. Finally got home at 10.00pm!!! DS was starving and exhausted. So spend was £30.00 on food and diesel.

Today: off to the Horrible Histories Spies Exhibition at the IWM with DS and a friend. It will be a bit spendy as whilst the museum is free the exhibition costs, plus they will want lunch. Aaaahhhhh, the joys of the final days of the summer holidays in the capital smile.

Tomorrow will be a lovely quiet day at home...well, for DS at least. I will be making sure all the massively-overpriced new uniform is labelled.

jonbonjovismissus Tue 03-Sep-13 09:32:10

Planning nsd today it's the last day of the holidays here but dry so off to the park and blackberrying while we're there. wine & thanks to all those whose dc's are starting new schools, don't know where the time goes!

Hi, I'd like to join in please.
I have 2 big birthdays to cater for in October (my mum's 60th and DH's 40th) and all three kids bdays in Nov/Dec.
Need to stop internet shopping! Just one click it's too tempting! Got to buy school shoes for DS1 today ... we'll see what else. Planning on doing a meal plan later now we are back at school (and work, I'm a teacher).

prettymess Tue 03-Sep-13 11:55:38

Spending £95 on coffee table. I already paid £80 deposit a few weeks ago. It's a bespoke item made by local furniture maker and £175 is much less than the ones I was considering buying in high street shops. This one is solid wood and exactly what I want (I hope! It's being delivered later today).

SpangleMaker Tue 03-Sep-13 16:09:59

Hello, can I jump back in for September?

Had a VERY spendy August with moving house, holiday, visitors, not meal planning, school uniform/autumn clothes buying... and now car insurance is due <sigh>. On the plus side, DS has started school today so nursery fees substantially reduced grin

Hopefully I'll feel a bit more settled this month and able to plan spending better.

takeaway2 Tue 03-Sep-13 16:57:53

Went for picnic meet up with DS' classmates ready for tomorrow's first day back. It was good fun as he saw his very good friend and they are currently playing upstairs and I'm here MNing!! grin

We went into town though and collected my skirt and bought more presents that I had forgotten about. Oh well. It's mostly done now.

Tomorrow should be my first NSD. Work and more work!!

Shellwedance Tue 03-Sep-13 18:26:24

NSD day yesterday and only spent 6.50 on lunch and the farm today. But then realised I needed to renew my driving licence so that was 20.00. Not too bad though and hoping for another NSD this week.

ilovepicnmix Tue 03-Sep-13 19:00:49

NSD here today. I don't work on a Tuesday. We had a swimming lesson this morning but that was paid for months ago. This afternoon we meet my friend and baby in the park. I took along a thermos and biscuits. Was a tad embarrassed but it saved me/us a good few quid as the cafe in the park is not cheap.
I have set myself a weekly budget with my week running thurs to weds. Going to make it with a couple of quid to spare but maybe in red re petrol! Im hoping I can get to work and back tomorrow without that happening.

Helenagrace Tue 03-Sep-13 19:13:15

NSD today!

Also had some good news about DH's tax. His company have monumentally cocked up his tax on his pension. DH explained the situation to HMRC and they've adjusted his tax code. We should be getting a rebate of £1800 for last year and another £1800 for this year plus we'll be £300 a month better off going forward!

prettymess Tue 03-Sep-13 19:20:20

Helenagrace, nice big windfall!

My new coffee table is lovely. Quite chuffed to have supported a local independent business and it was made from reclaimed wood.

roguepixie Tue 03-Sep-13 19:25:35

Woo-hoo. Congrats Helena, that's fantastic news.

Well, I was right about today...very spendy. A couple of oyster card trips on the tube, £17.00 on exhibition entrance and booklet. £50.00 on snack/lunch/shop combo.

Tomorrow WILL be a NSD. It will, it will, it will.

Hi Spangle, jump right in ... the water's warm grin

roguepixie Tue 03-Sep-13 19:26:52

confused, how did DS's first day go? Did he enjoy himself?

daisychicken Tue 03-Sep-13 19:32:01

fab news Helena!

thanks Adora!

Ended up spending £10 today - veg for salad/soup for me and juice on offer for DS's then a further £9 for Ds1 - started secondary today and needed a DT apron plus the materials for the class.. Tomorrow I'm getting mayonnaise as on offer as Morrison's (£1.75 for 800g) plus we need a new kitchen knife - I have been putting it off for far too long! I'm hoping that I can not buy anything else this week but we'll see!

Ineedalcohol Tue 03-Sep-13 20:11:10

Gutted! Went to aldi today armed with my £5 off £40 voucher and my shopping came to £36! Really thought I had enough,did a list and everything sad

confusedofengland Tue 03-Sep-13 22:16:32

NSD! Kind of disappointed as had arranged to go for a post-first-day-drop-off coffee with some other school mums, but the pub we wanted to go to has changed its hours & is only open in the mornings Friday-Sunday now! Still, saved me some money.

DS1 had a great first day at school & apparently has a new BFF. He cried a bit before they went in but then he spied the train track & all was well. About 60% of reception kids had their dads there for drop-off, but he didn't seem to notice (even if I did).

Helena great news on the rebate!

jonbonjovismissus Tue 03-Sep-13 22:30:23

Have just been clearing out kitchen cupboards and have found rather a lot of baking stuff so am determined not to waste it, now must learn to make cakes! We have enough store cupboard bits to last a while but the freezers are nearly empty so now racking my brains for a meal-plan before we go to the big meat market at the weekend. I reckon we can fill the freezer for about £50 if I'm organised......

ArtemisatBrauron Tue 03-Sep-13 22:45:14

Made "leftover" soup from a tupperware of mixed leftover veg/potatoes/black beans/chard stalks today - added a tin of tomatoes, garlic, chilli and some diced squash which had been lingering in the veg bin - it made 8 generous portions and it's delicious, it will be lunch for most of the week!

We haven't wasted any food since Saturday, I'm trying to be as vigilant as I can about it - freezing odd bits of leftover cooked veg in a large tupperware really helps and the soup was yum.

SpangleMaker Wed 04-Sep-13 07:17:03

Fantastic news Helena grin I'm sure that will make a real difference.

Confused glad your DS's first day went well. I had to miss DS's first drop off and pick up yesterday as I was working hmm I think I was more bothered about it than him, although he did say he wished I'd picked him up as DH was 10min late angry. DS had 3 taster days (well 2 short days and one full day) in July so it was less of a big thing about leaving him, but it is a real milestone and I really wish I could have been there. Anyway, he had a good day and we even did his 'reading' homework.

So far so good today, made lunch to take to work and did a plan for using fresh stuff in the fridge.

northender Wed 04-Sep-13 09:10:34

helena that's a significant amount each month, great news!

Ds has gone off to high school this morning. He looked so smart and so grown up. 3 of his friends came round and they all walked together [proud mum emoticon].
Dd had her op yesterday so is feeling very fragile today. I was expecting a v small incision but instead it's about 3 inches long right down the back of her ear sad. I was very proud of her yesterday as she was so brave smile.
We spent about £10 yesterday on food and drinks at the hospital. Could have been better prepared but she had to be there at 0730 and it was ds' birthday the day before so no food or drink prepared, frugality out of the window!
Today will be NSD, then the only spend until Saturday should be dh's lunch at work tomorrow (£2.50). His work canteen do a roast dinner on a Thursday which is really good so it's his weekly treat!
Lots of tv and cuddles for dd today I think.

prettymess Wed 04-Sep-13 10:33:45

Only spend today should be a birthday card for nephew.

I am doing an 8 mile walk for Macmillan on Saturday. I plan to make a picnic for us all to have in the park. Should be low spend day.

Monkeyandanimal Wed 04-Sep-13 10:50:01

Hi, can i join in? I just posted this on Chat, but then saw this thread and thought this might be the place to ask! I am struggling to keep my weekly shop below £115 (2 adults, 2 preschoolers); that seems way too much, especially as i tend to top up with bread, milk, fruit, chocolate etc during the week.....I keep reading about people who manage to keep to 60 or 70 quid a week for a family of four and i need to know how they do it! If you can be bothered and have time, will you give me a typical shopping list to cover all meals for a week, plus cleaning products and baby care products....i appreciate there is variation in what you need each week but a snapshot weekly shop would help me see where i am going wrong....

prettymess Wed 04-Sep-13 12:47:26

Tip for cleaning products and toiletries is to stick to basic items that work for you and buy them in bulk (as big as you can store) when they are on a deal. Reductions seem to come in cycles with them in supermarkets. Eg I get Persil liquid and Ecover laundry bleach (my work uniform is white!) for laundry. I don't tend to bother with fabric softener, it's a luxury. I know Persil liquid works well for stains, smells nice and I don't have to use loads. I find powder clogs up my machine, so I'd rather not use it even though it works out cheaper. So stick with what works and never ever pay full price!

AdoraBell Wed 04-Sep-13 13:33:38

Monkey do you meal plan? I struggle to but I know it makes a difference. Somewhere near the beginning of this thread is a link to a Two week meal plan on love food hate wate, apparently when I link it doesn't work because I'm abroadblush. Also with cleaning materielas do you buy things like descaler? If so you can swap that for cheap vinegar.

I'm getting confused here, Monday I Spent money and took OH to the clínica, yesterday was an NSD, I must have posted late on Monday because my post shows it as Tuesday. Anyway, Today I need to Get rice and some veg.

roguepixie Wed 04-Sep-13 14:50:45

NSD for me. Have plenty to do getting DS ready to go back to school tomorrow. Haven't labelled his new uniform and kit yet blush and will need to take up his school trousers - the regular were too short and the long version is just a tad too long...yuk, I hate hemming.

Will have to do a shop making a list and sticking to it.

Shinyshoes1 Wed 04-Sep-13 15:58:02

My 1st nsd .. I did want to do 4 this week hmm one is better than none I suppose ..

confusedofengland Wed 04-Sep-13 17:33:47

northender hope your DD makes a quick recovery, the day you have planned sounds perfect.

Rogue labelling for me only took about 30 minutes as I used a laundry marker pen - could you do the same?

Shiny it's a start...

Spent £9 in Tesco today on spare trousers for DS1 for school, bread & stock cubes. But found £1.02 on the floor so quite pleased with that grin Also spent £1.45 at farm for ice creams for both DSes.

Tomorrow will pay for school dinner for DS, £1.90, plus probably ice creams in the afternoon. Other than that should be NSD as will be painting my new house while DSes at nursery & school smile

takeaway2 Wed 04-Sep-13 18:08:26

Not a NSD but a LSD. £2.20 for DS school dinner and that was it! smile Hopeful for my first NSD tomorrow!

Hello to everyone. Sorry haven't been engaging with every post but I have been reading. Trying to get over tiredness and other chores from going away.. And back to work today and the rest of the week. Have a contingent of German people coming over for a week next week for work and have not prepped!! I'm hoping for some time tomorrow.

Today spent the day clearing more emails and had many meetings, some planned, others ambushed! Bumped into my boss mid day and I said I'm dealing with 23rd aug emails.. And that he had to wait.

roughtyping Wed 04-Sep-13 18:21:50

Hello, I'd like to join if that's ok!

Really need to reign in spending. Was a LP for years while at uni, am now married and have a pretty well paid FT job (am a teacher in Scotland) but paying off my debts now. Just want to start putting money away as well.

NSD today, was in work all day!

saintava Wed 04-Sep-13 18:21:53

Yesterday wasn't an NSD in the end, ended up spending £18.42 in sainsburys and £3.75 in Iceland. All stocked on some bits though so won't need to buy the same bits for a few months.

NSD today though grin been doing housework and over to a friends this afternoon. Made lentil dhal, vegetable curry and pilau rice for tea tonight, used up lots of bits of veg from the freezer.

ilovepicnmix Wed 04-Sep-13 19:18:50

Evening all. I was hoping for a NSD today but spent £2 (going rate) on contribution for a colleague's birthday present and £40 on petrol. I was in the red so could put it off no longer. I was v restrained though as loads my workmates had a curry or kebab at lunch but I stuck to my cottage cheese, salad and pitta. Good for my waistline too.

Fluffycloudland77 Wed 04-Sep-13 20:09:11

monkey, What I do is shop at Aldi (although its getting busier now which annoys me), meal plan, drop all the branded stuff unless you need it due to allergies eg I have bisto gravy powder as I can't have granules due to MSG and sainsbos own brand one has something else I'm allergic to in it so I buy it in Poundworld. If I do something with mince eg cottage pie, chilli, bolognase etc i add a handful of porridge oats, it makes it much more filling.

I buy loads of ecloths in tk maxx for all cleaning so I don't need much in the way of cleaning stuff really. I even do all my windows inside and out with them. Mainly I use bio powder from aldi, smart price vinegar for fabric softener, washing up liquid and bleach, and dishwasher stuff. All from Aldi and of course dishwasher tablets broken in half.

I also question everything and I try and find out alternatives. Eg I needed coconut milk. It's not cheap but then I realised I could buy a block of coconut cream and cut off bits as needed. Much cheaper but you need to store it in a plastic box in the fridge because its so greasy. Same with curry pastes, took me years to realise one jar of them does four curries.


sportinguista Wed 04-Sep-13 20:30:33

So things pretty bad we're massively into overdraft territory and I need to find ways of saving, I need to have lots of NSDs and am hoping that by joining I can do this.

My first way will be to internet shop all dry stuff then I know I just need ro do fresh stuff. No other major expenses this month but need to save as much as I can.

I need to not spend around £500 this month!

prettymess Wed 04-Sep-13 20:58:24

Ended up having a NSD. Woo!

AdoraBell Wed 04-Sep-13 22:02:13

Hope DD enjoyed her duvet day and recovers quickly Northender

Shiny 1 NSD is better than none

Good luck with your saving goal sportinguista

I bought veg after Pilates, local grocer, about £3 and because I only wanted a teeny tiny bit of chopped celery, fed up with buying a whole one and chucking most away, he didn't charge me for it. Then I went on to the supermarket for rice, butter and bottles of water for school, £4 ish. Can't get DD1 to remember to bring her bottle back home for refilling. I know I could freeze celery but the freezer is currently full to the gunnels and I need to use stuff, not put more in.

Tomorrow I'm seeing Dr so that'll be about £75 I think, haven't been for a while so not sure how much he's charging now. Plus tolls, but I can park free.

northender Thu 05-Sep-13 08:26:57

Dd is doing well, thanks for all your good wishessmile
Nice to see so many newbies on the thread, remember every bit of money saved or extra income helps. So yes one NSD is definitely better than none.
We would have had a NSD yesterday but then ds needed a £10 deposit for his locker, I needed to put £10 in a birthday card for BIL, plus £1.20 to post it so far from a NSD.
Today should be ok as I'm in with dd again.

jonbonjovismissus Thu 05-Sep-13 09:20:47

Spendy day yesterday as paid for school dinners for the whole half-term which was £74 and £9.43 in Home Bargains, although I probably won't have to buy work soups until after half-term as well!

3 weeks until payday and I'm going to try to manage without going onto my credit card; have about £250 to budget which sounds a lot but I have to fill the car up every week which is £40 as I have a 50-mile round trip to work. Need lots of NSDs!

prettymess Thu 05-Sep-13 10:10:27

£17.14 on fruit, bread, fromage frais, card for nephew and a bottle of wine!

Supper will be potatoes, omelette and veg. I might bake some cupcakes for lunches.

jonbon, good luck on the budgeting. I'm using YNAB and it helps a lot.

lineup Thu 05-Sep-13 10:38:58

marking place, this is a great thread

So I did an online shop this week, and it should last 2 weeks, spent 155 included bulk buy laundry stuff/dishwasher tablets/cloths/soap/toothpaste etc etc Plus LOTS of bread for the freezer.

I've done a meal plan and stuck it on the fridge. So far so good.

I have also managed to avoid the shops on way back from school run so far for the last 4 days! so that's 4 NSD here so far.

I read something in an old mag I had lying around yesterday about the savings of not having a takeaway coffee & a cake each morning, and how a shop bought lunch really add up

- so - my plan is to take out the money (in cash from the bank) that I would have spent on those and keep it in a sealed tin and keep it for Christmas Fund!! Wish me luck...

I think I'm aiming for 50quid a week or so - ie a tenner a day which would have been spent on coffees/lunches etc and if I can manage to put away 50quid each Friday, then I could possibly up that about to 60quid a week in October.

ExasperatedSigh Thu 05-Sep-13 11:04:05

Hello, I'm back from holiday and back on the threads. Had a lovely time away but got caught out by the bloody campsite not taking the money for our pitch until the day we arrived hmm despite me having 'paid' several months ago. No mention that they would do this at the time. So that was all our spending money vanished and we had to credit card stuff until DH got paid at the end of our stay.

Expected expenses this month:

DS starting school, have most bits but still need to get him a bag

car insurance needs renewing - does anyone know if you can shop around for best quote and then buy that quote through Topcashback? Also, with TCB can you pay in lump sum (as we do atm) or does it have to be direct debit? sorry for being lazy and not looking myself blush

SIL's birthday at end of month, coinciding with charity pubcrawl

I have a filling appt in a few weeks, although should only be about £20

finish decorating living room and put up shelves - dithering over whether to buy a workmate and attempt this ourselves or pay someone to custom fit them into an awkward space

Unexpected expenses:

the sink surround is fucked, has been absorbing water and is close to collapse. DH has done an emergency grouting job but we are really concerned that it might become unusable in the future. We want to replace the kitchen at some point but certainly have no money for it now.

bathroom woodwork still rotting, unsure how to proceed there.

I did a £93 shop at Lidl this week, £22 at Sainsbury inc. DS's plimsolls, and tbh we shouldn't need anything other than fresh stuff for the rest of the month. I am aiming to spend no more than £30 a week on top ups.

At least I've saved money on the catfood - boycat needs special gastro stuff to stop his pancreas flaring up and the vets were charging £42 for a 4kg bag. Just ordered it online for £30, free delivery too.

prettymess Thu 05-Sep-13 11:07:30

Bought my first christmas presents... 2 lego ninjago books for DS (his current obsession!) for £11.03 from the Book People. I probably could have reduced this had I been able to find a free delivery code. Still, a 10% off one worked.

Monkeyandanimal Thu 05-Sep-13 12:49:44

Thanks Pretty , adora and fluffy . I was doing meal plans but for some reason they weren't really coming out that cheap....i think DH and I might have problems with compromise....he hates things made with leftovers and likes his the kids and i demolish fruit really quickly, so its gone by midweek. I'm crap with money, and we are stoney i'm watching this thread with a lot of interest. Aldi and lidl shops are virtually impossible with the two very naughty pre-schoolers (they are really uncontrollable in supermarkets) so i do an online shop at tesco or asda, weekly but with top ups. Aldi and lidl don't do online do they?

Fluffycloudland77 Thu 05-Sep-13 13:05:43

You can pay upfront with TCP but I usually go through aviva on TCP.

I'd go on a day/morning/evening I had childcare if it meant I had more money in the kitty.wink

ExasperatedSigh Thu 05-Sep-13 13:32:21

Monkey could you go in the evenings? I much prefer evening supermarket shops, although my local Lidl closes at 8pm so it depends when your DH is home to take over childcare.

Generally I find the DC behave much better in Lidl than in other supermarkets, but they were bloody awful (and tbf so was I) when we went on Tuesday blush

Monkeyandanimal Thu 05-Sep-13 13:39:13

Yeah, I know...i will try to do a lidl shop; DS 1 in playschool 3 mornings a week, so i could go then, although its his little bro who is the real pain in the ass; will not stay in trolley seat. But as you say Fluffy , worth it if it saves money. Exasperated, can't really do evenings as DH not in til 6, and then we battle kids bedtime together, as he works a really long physical day too, so not fair to leave him to it.

confusedofengland Thu 05-Sep-13 14:25:25

Today is turning out to be an unexpected NSD (excepting the massive carrier bag of apples I bought from a local farm for 50p). Poor little DS2 went to nursery as usual this morning, then at 12.30, half an hour before pick-up time, I got a call to say he'd been sick everywhere. Then as I lifted him in my arms to take him home, he was sick all over me & the floor, as well as some <ahem> action the other end sad Then we had to pick up DS1 from school straight away, so that was an interesting school run!

So, we are having a quiet afternoon this afternoon instead of our planned playdate to the park. Tomorrow I will probably only venture out for school runs, as I will keep DS2 home again. Might put some bits on Ebay/Gumtree to earn some pennies & do some surveys etc.

jonbonjovismissus Thu 05-Sep-13 15:33:37

monkey my DD is 7 but absolutely hates all forms of shopping so is a real pain in Asda, Tesco etc but I've found that she's much better in Lidl & Aldi. The ones near us are quite small so even if she does wander off I can still hear her which makes for a much calmer shop......If your DH likes meat could you do a monthly shop at a local market to make it more cost-effective? The one close to me has half a dozen different butchers on who are all competing so some really good deals.

roguepixie Thu 05-Sep-13 15:49:49

Spendy day. sad.

DS woke up for school this morning and put on a shirt (I hadn't bought new ones as I was sure these would be fine) and the cuffs have shot up his arms!! Cue visit to Brent Cross for new school shirts - problem is, even though he's only 13 he takes an adult size so no childrens prices.

Did food shop whilst there...really don't want to dwell on what it cost. Suffice it to say it was only slightly smaller than the national debt of some small countries smilewink.

A couple of folders (again for DS) and it was time to come home - before I managed to do more damage to the bank balance.

Have to go again tomorrow to collect the other shirts I ordered (and paid for) so hope to get in and out without more expenditure...but I suppose that depends on what DS comes home needing today.

Monkey, I found that developing a good relationship with my butcher and my local grocer meant that I would get prices rounded down (not by much but it all counts) and often got cheaper cuts, extras in my bag.

confused, hope you DS feels better soon. Those D&V bugs can often be intense but quick. Will keep my fingers crossed for you that it is gone soon.

Hi, NSD here so far - hurrah! Going to send DH to Lidl tonight for milk and apples as he always sticks to the list smile. Had a NSD yesterday too. Unfortunately Tuesday was expensive. DS2 needed new school shoes, and ended up with new trainers too. I needed a DVD for school (I'm a teacher) and bought some books for DH (did get them very cheap at Book People with a free delivery code and 10% off though). Interesting reading all your ideas and comments! Thanks for the advice northender

ExasperatedSigh Thu 05-Sep-13 17:10:38

£10.84 on tester pots at B&Q. DS also wet himself while we were there hmm which was nice.

I found maggots in the kids' bedroom when we got back from holiday. Not sure whether it was the cat sick thoughtfully left on their carpet by one of our mogs or from something dying in the chimney, but either way there are now loads of huge disgusting flies in both bedrooms, despite me thinking I'd found and killed all the maggots sad

Fluffycloudland77 Thu 05-Sep-13 17:23:58

£17 on food, no big shop this week as I was ill and frankly exhausted from moving. But it's Dh's week to pay so he will pay me back.

£10 on petrol. Never going back to that station again as the man serving always touches your hand when you pay and I find it creepy.

I have noticed better behaved kids in aldi, I went into sainsburys during the hot weather and it was kicking off in there. I swear if I have kids I will not take them shopping until they are old enough to drive me there.

I could do Dh's curry cheaper tonight if he'd eat boneless chicken thighs and not breast, even the cat insists on chicken breast.

SpangleMaker Thu 05-Sep-13 18:10:51

£4 spend today on a magazine because a family friend had a feature. Also had to pay parking, train fare and lunch but all will be reimbursed by work.

I really need to sit down and meal plan - what I really want to do but keep putting off is make a master meal list that includes ultra quick meals, meals to bulk cook, healthy after school snacks, etc. And meals that use the same ingredient so I don't leave half a pack of something to go off in the fridge. Only problem is whenever I sit down with pen & paper my mind seems to go blank - perhaps I need to do it when I'm hungry!

SpangleMaker Thu 05-Sep-13 18:15:13

Fluffy I never take the DC if I can help it. Costs me at least £10 more and several grey hairs.

takeaway2 Thu 05-Sep-13 18:54:33

NSD 1! Brought lunch to work which I are about 2pm and starving... And DS brought packed lunch. He did however forget to bring the lid of his lunch box home. Argh! So need to fish about tomorrow. Nice.

Am totally exhausted from work. Tomorrow back at work too even though I usually work from home on Fridays. Next week will be hectic and I am not looking forward to work at all.

roughtyping Thu 05-Sep-13 18:56:57

£20 today, DS's karate insurance thing for the year (not really sure what it is!). Sitting in library, got some marking done while he was at karate instead of spending money in tesco...

prettymess Thu 05-Sep-13 19:33:03

Got letter from after school club. £130 to pay, but all budgeted for.
Now got christmas spend up to £41, all for DS so far. Oh dear.

ilovepicnmix Thu 05-Sep-13 20:53:23

NSD so far but just about to transfer £7 for my lottery syndicate subs. You've got to speculate to accumulate?

cozietoesie Thu 05-Sep-13 21:41:48

September is 'use up all the strange things in the freezer' month at cozietowers. (I can't always resist the reduced counter despite careful planning.)

Tomorrow is vegetable spring rolls with quiche and pitta bread. Gawd knows what Saturday, Sunday and next week will be.

ilovepicnmix Thu 05-Sep-13 21:50:43

I too love a yellow sticker cozietoesie. don't think I can face coleslaw again after working my way through a massive tub this week for only 30p.

cozietoesie Thu 05-Sep-13 23:13:14

It will make for a nice Low Spend month (only some milk and fresh fruit etc to buy locally) - but boy is it going to seem a long four weeks!

cozie I am also trying to use up in September! Unusual for me as my cupboards, fridges and freezers are always stocked to the gunnels! Was about to stick bread machine on but got some out of freezer instead, to go with slow cooker butternut squash casserole tomorrow. Hardly ever use slow cooker, it is fab though isn't it!
Night all

AdoraBell Fri 06-Sep-13 00:09:52

Not up To date yet but Monkey. what is this leftovers of which you speakconfused at Chez Adora we have something I russled up earlier or saving time by prepping this for tomorrow wink

Monkeyandanimal Fri 06-Sep-13 06:44:24

Like that dressing up Adora ! my kids are awful in our local lidl which is really small and leads straight out to a very busy road, with car parking away off, so i can't leave DS1 (3) to run about, as he would head for the hills/road. must see if there is an aldi nearby; no sense either in driving miles somewhere and using diesel to save a few quid...Same with butchers really; none in our village, so no friendly local face rogue or even on the way to anywhere i go regularly; got to go out of our way. jonbon good idea re market shopping for meat; must suss out. Local farmers market v high quality local produce but very expensive; not much value for money really; there must be a regular market to our area so really just trying to find out where and when everything is. Anyway, thanks for the tips, i am learning from this thread!

sportinguista Fri 06-Sep-13 13:00:48

So, not doing too badly, not very spendy yesterday, 99p on a large milk which will last all weekend. Today just a can of coke so 60p. It'l be a bit spendy tomorrow as it will be a bottle of wine. But on the upside 2 bin bags of lovely clothes from colleague and 2 more to come with the holy grail of some winter jackets, so I don't need to think until at least winter 2014 about a new coat for the munchkin!

frazzled74 Fri 06-Sep-13 13:30:57

NSD tues,wed and thurs, have spent £10 today on packed lunch bits for next week and milk plus have made £5 on ebay so not doing too bad at all.I watched the Jamie budget meals programme and found it quite good, nothing new to learn but inspired me to use leftovers up.

prettymess Fri 06-Sep-13 13:46:34

NSD so far but we're going to the pub later.

sportinguista Fri 06-Sep-13 16:28:52

I've not caught the budget meal programme but DH has apparently recorded it for me to watch, was hoping he'd thought about cooking himself...

AdoraBell Fri 06-Sep-13 17:16:55

Fluffy one of my dogs, when they were on the packaged dry food, used to try and insist on certain things, mainly steak as she used to Get scraps off the plates after BBQs. She was cured by a couple of days of not eating because I wouldn't given her bloody expensive steack. She's stubborn but not stupidwink

Dr. was a bit less than I thought yesterday, only £60, followed by £27 in the pharmacy. Roads back and forth were about £8, came back at peak time. Had time to spare when I arrived so had a mooch around didn't splurge £18 in Whittards, oh no, not me

Monkey could you Get DS involved when you shop, give him a list with pictures and Get him to pick things off the shelf for you?

Rogue Well done on avoiding the shops.

Later I need to Get bits for party bags, only a handful of people though so not hugely expensive.

I also need to use up the contents of the freezer, again, this month.

shortscotty Fri 06-Sep-13 17:26:46

Hurrah managed a NSD today. I have been appalling at my meal planning and shopping list so need to crack on and keep up with it. Usually shop on a Thursday or Friday but have decided to try and use up everything in the house as the cupboards and freezer are quite stocked really avoiding town due to foul roadworks then I will do plan and lists over weekend and shop Monday

saintava Fri 06-Sep-13 17:31:43

NSD today.

Yesterday wasn't, nearly £10 in the 99p shop, £2.55 at sainsburys and £2.65 on fruit and veg at the market.

Am hoping for another NSD tomorrow.

Am glad to have found this thread and people who are also trying to reduce spending. One of my friends laughs at me for working out the cost of meals etc, in a nice way though

confusedofengland Fri 06-Sep-13 18:36:37

Spent only £4.43 today in Co-op for dinner. Ds2 still being sick, 10 times in total over 2 days. Also discovered a massive family issue, related to my parents, whom we are living with. I honestly don't know how much more the world can heap on me - pregnancy, house move, ds1 started school, ds2 sick, family problem :-(

AdoraBell Fri 06-Sep-13 18:52:37

confused does the family problem impact you directly? If not try and find some way to distance yourself so that you don't take on everyone else's stress too. I know it's not easy and family is family, but try anyway.

Hope DS recovers quickly. Is he drinking? Water can actually induce vomiting so maybe limit it to a couple of sips at a time and give him something like long Life fruit juice, it's effectively cooked and so gentler, or flat lemonade/cola.

ilovepicnmix Fri 06-Sep-13 19:11:11

Sorry to hear you're feeling dumped on confused.

Spent 63p on biscuits today so not bad at all. Weekend won't be bad as I'm with my mum so I know she'll treat me but I can't let her pay for everything.

Fluffycloudland77 Fri 06-Sep-13 21:08:45

£7 on storage tubs for the house.

£15 petrol.

Sounds ominous confused, I hope you're not the whipping boy.

takeaway2 Fri 06-Sep-13 21:45:25

NSD 2! Sorry to hear about family problem. Like adora says if it's not affecting you directly or perhaps there's nothing you can do then try an distance yourself. Good luck with it all.

confusedofengland Fri 06-Sep-13 22:22:52

The family problem doesn't involve me, as such, but I was the one who discovered it & I am the one who is at home (my parents' house) all day, every day, so I can't escape it. It will be a million times better when we move into our new house, but for now I just feel like piggy in the middle. To say there is an atmosphere here is an understatement sad

And DS2 had 3 teaspoons of mash & 1 toddler-sized bite of chicken for dinner then threw that back up. Hoping he sleeps through tonight, not like last night when he was up twice dry-retching sad

Anyway, will leave this thread before I get too maudlin, tomorrow should be a good day as ILs coming to help with house again -travelling 130 miles each way just to help for the day, without being asked, how lovely is that smile Shouldn't spend anything unless at B&Q as MIL bringing lunch with them smile

Will read through thread a bit better when I'm not feeling so emotionally drained, but hope everyone is doing OK.

AdoraBell Sat 07-Sep-13 00:36:55

Can you spend time out of the house Confused, don't play the piggy-in-the-Middle part. If it is between adults then they need to behave like adults, How long úntil you move into your lovely new home? That's good of your PILs, hope you have a good day even though you're working on the house.

I Spent £4 in the supermarket and then the Spendy Fairy got her hands on me and I splashed out twenty fecking quid on fillers for the party bags, that's across 6 people so not too bad I suppose, but I didn't plan on spending that much.

Helenagrace Sat 07-Sep-13 11:19:14

Hope today is better confused. How lovely of your in laws to travel so far to help with the house!

Had a couple of minimum spend days. Just one NSD though.

Had a huge row with zero hours contract college yesterday. I was told that they'd send me my timetable "over the weekend ready to start working it on Monday". Well I'm not available next week because they said they'd send my timetable (if I was going to be given any hours) "over the Summer". I think it's a damn cheek to email me two days before they expect me to work when they've had June, July and August to sort themselves out.

I have an interview on Tuesday for another job. Really hope I get it! DH also has an interview next week for a permanent job.

Really, really REALLY want to be able to tell the college where they can locate their crappy zero hours contract!

jonbonjovismissus Sat 07-Sep-13 15:48:43

NSD yesterday but spendy today as had to do food shop........ £56 at the market, although that did buy 18 sausages, 12 chicken drums, 6 sirloin steaks, a small lamb leg, 10 chicken breasts, gammon steaks, 12 pork steaks and all the fruit & veg we need for the weekend [big grin]! Then £35 in Aldi for everything else and £10 for presents for 2 parties dd is going to tomorrow! Need to fill car tomorrow which will be £40 then hoping not to spend until top-up shop next weekend wish me luck hmm. confused hope things get better at home and you have a productive day today at your house

jonbonjovismissus Sat 07-Sep-13 18:33:36

Oh and 6lbs blackberries free, gratis & for nothing!

prettymess Sat 07-Sep-13 19:07:40

Did charity walk and only spent £1 in a donation.

DH though spent £20 on food in the park with DS while DD and I walked the 8 miles. Hmmm.

racingheart Sat 07-Sep-13 19:51:37

I'm intrigued by all these September NSDs. I've been spending vast sums every day on travel, music lesson fees, sports kit, new club subs etc just because it's the start of the new school year and that's when the bills flood in. Every day the cheque book or card comes out and is 100s lighter. It won't last forever, but I'm impressed by people who have managed their money so they can have NSDs at this time of year.

Thought I'd managed one today but forgot the cheque to the piano teacher this morning. Ah well...

takeaway2 Sat 07-Sep-13 20:04:16

Racing - trust me my cheque book has come out several times for music, gym and swimming. Tomorrow there's language class. hmm

Today paid £128 for a term of swimming for two kids, £80 at waitrose which should have been reduced to £65 because I had £15 vouchers but I forgot to use them as the DCs were kicking off. hmm So I'll need to go back at some point.
£6 at the waitrose cafe but did get my free tea. Oh and £2.50 for crepe at the roadside stall as DS wanted it.

Tomorrow I think it's another £100 at language. Hopefully nothing more...

Ohhelpohnoitsa Sat 07-Sep-13 20:53:50

reacquainting if I may. will read through later. I was an active poster early in the year and had a rude awakening. yesterday if hiw I have slacked again. I actually threw bread away, earlirr in the year I woo ld have whipped in into a bread & butter pudding!! Time to refocus.wink

Helenagrace Sat 07-Sep-13 21:29:07

Racing the only reason that my cheque book hasn't had a battering is that beavers, guides, trampolining, hockey and cello don't start til next week!

racingheart I know what you mean. Just paid out for Cubs and ballet. Paid gymnastics in August luckily, and Rainbows is next week. Piano lessons started again this week, and trumpet needs paying also.
Also back to weekly cheques for school dinners. When I list it like that I don't wonder where our money goes! grin
Spent £6.75 on ice creams at the park, and £29 at Sainsbury's on half price toys and things, to put away for Christmas; and for party gifts. Spending money to save later smile. £15.99 on cat food for the kitten. Made homemade tomato soup and homemade bread for tea - at approximately £2.50 for the whole lot, very cheap to feed 5 and some left for someone's lunch later. Then homemade flapjack too. So some frugality has happened today!

Ohhelpohnoitsa Sat 07-Sep-13 21:56:11

I have a tip to share. If you are selling a car or part exing, get quotes on line every day for two or three weeks. My car was valued at £12395 last Sunday & by same company today its £14080! They all use a computer package that tracks the activity in the market so it changes all the time. Webuyanycar and others, honour their quote for 7 days so just go in with the highest you get offered. Worked for us. Hoping to get apples from my mum's neighbour & onions from my uncle to make loads of chutney for christmas pressies tomorrow. Also need to address phone contract & power suppliers etc. need to go on price comparison sites sooner rather than later.

AdoraBell Sat 07-Sep-13 21:59:11

OH paid for lunch for DD1 and 5 friends plus us two, about £100, léast they only have 1 birthday a year.

Good luck those job interviews Helena

prettymess Sat 07-Sep-13 22:45:39

Pub and takeaway yesterday was £12. Not bad for a night out for four of us.

The letters from school are streaming in about clubs and music lessons. So far I'm only paying for DS to have guitar lessons and archery. No kit needed as he has a guitar and archery gear is all provided.

I need help with grocery shopping. I keep having stuff delivered and we still 'have nothing to eat'. It's so frustrating. I meal plan the suppers, breakfast cereals are always stocked up. It's sandwiches and lunches that are difficult.

prettymess Sat 07-Sep-13 22:53:46

Good tip on the car selling. Also haggle like crazy when buying a car. Get tax paid, free mats, mot done, extended warranty or upholstery cover reduced, etc. In fact, haggle as much as you can when buying anything. A dent in a box or a tear in packaging... Get a bit of money off. I work in retail and I have a lot of people do this. Also, challenge every price that comes up as wrong at the till. If it says it on the shelve, they need to honour it. It's the shop's responsibility to do their price checking and sales plan right.

rosyryan Sun 08-Sep-13 10:56:26

Not a great week for me as I only managed one NSD but we had DSS's birthday this week and DD's in two weeks time so there has been a fair bit of present buying. Hoping for at least two NSDs this week.

northender Sun 08-Sep-13 11:49:29

Sorry to hear you're having a rough time confused. How long 'til you'll be able to move into the house?
Nice to see you back ohhelpohnoitsa
Good luck on the job front helena

September is a nightmare isn't it? Ds needed a new pair of trainers and a gumshield yesterday. I needed a mobile phone as mine was on it's very last legs. Managed to get a good deal from virgin on a new one on a sim only deal. I now need a few weeks of no unexpected expenses!
Surviving on a tight budget until the end of Oct is proving a challenge. I still think we can do it but it will be close! That would mean we'll have clawed back the overdraft that's crept back up again over the summer. Then, in December 2 of our debts will be paid off, leaving 2 others (credit cards on interest free deals). The plan is then to balance transfer them to a new 0% deal with the lowest fee/longest term we can find. Pay off the minimum each month and let the money accumulate in our offset mortgage account ready to pay at the end of the 0% deal.

That's the plan and I really do feel it's manageable now but I'll be on this thread for a long time yet grin

Good tip on car buying Ohhelp. My car is 9 years old this year! I am getting mightily sick of it but if it passes its MOT I feel bad for getting a new one. it is old and battered and squeaks and rattles but it does work well and has never let me down. Plus I only drive small distances - to work, taking kids out and about etc. Would love a new one! DH is sick of our other car - a Zafira, 3 years old - and wants a new one. Prior to third child he always had a sporty type car and he really feels it.

Right, off to Lidl and going to try to stick to list. No matter how hard we try, we always seem to go at least 3 times a week to Lidl! How often do you all grocery shop?

takeaway2 Sun 08-Sep-13 15:43:33

That's a good tip ohhelp! Dh and I were just talking about possibly changing cars... Maybe getting a 7 seater so we can ferry people around!! grin

Today was spendy day. Dh paid £80 of his money on running shoes - last one really on its last legs and we went to sports direct which claimed it was on half price. I don't know but it seems alot of money but given that dh really never buys anything plus it's his money that's ok I guess.

McDonald's at £15 as it was near lunch time. I was saved from tk maxx - started to drizzle and I was hoping to go in there to look at bags but didn't so that prob saved us ££!!

Sainsburys at nearly £30. Went in for eggs and paracetomol. Came out with that plus half price jersey maxi skirt £8, antiseptic wipes £3 and other stuff. hmm The perils of going in there with kids.

Upside is I have cookies baking in the oven!!
Happy weekend everyone.

ilovepicnmix Sun 08-Sep-13 15:47:42

I spent yesterday with my mum and spent £30 on charity shop clothes for me and DS. Got a few bits from a food festival and a slow cooker recipe book. However my mum gave me £40! Yes I am in my 30s but let's overlook that. Today I've spent £7 odd in asda but I had a £2 refund and £2 credit as they overcharged me last week. Hoping I can get away without any more food shopping till Saturday. £10 on petrol and again hoping that'll do me till next Friday which is payday.

cozietoesie Sun 08-Sep-13 16:59:36

Every three weeks on the online shop, every week to LIDLs and every three or four days to the local shops for fresh food top-ups, wendy. But I'm lucky in that I have good storage and plenty of freezer capacity if I'm reasonably disciplined. How is your storage ? (Thinking that that might be the reason for the lots of LIDL trips for you?)

prettymess Sun 08-Sep-13 18:06:47

Well, I spent DH to Sainburys to buy 'proper food', he came back with loads of things (mostly treats) THAT I DONT LIKE (and I like most food!). Urgh. He did get me a chocolate bar, so I suppose I shouldn't moan smile There were also many items of fruit which are all very far from being ripe. Good for later in the week, but not ideal for lunches tomorrow!

ExasperatedSigh Sun 08-Sep-13 19:41:59

wendy I do one big shop per month at Lidl and try and stick to one small top up per week, again at Lidl if I can manage it, otherwise at the hated Tesco or bits and pieces as I find them e.g. fruit stall in the high street, pound shop etc. But I am not working at the moment, which gives me lots more opportunity to cook, use things up, plan ahead and sort out freezer or cupboards. I know it would be different if I had a job.

takeaway2 Sun 08-Sep-13 19:55:10

We shop once a aldi that comes up to about £60/week for dh, me and 2 dc (5 and 3). This weekend we did it at waitrose which was £80. Still not bad I suppose. We got naice things like lovely ham, olives, an Indian takeaway and some arnica.

I don't shop beyond that if I can help it. We work ft. I have no time with work, school, afterschool activities and weekend stuff!

To avoid having to pick up stuff midweek I've decided to buy fresh milk once a week and also buy a few packs of uht milk. This means I can buy them all on the weekend and start the uht milk on Tuesday or so. Alternatively I can buy fresh and freeze but my freezer isn't huge so wouldn't do that.

For bread I buy 2 loaves and freeze one. If I'm honest it's more like 3 loaves in 2 weeks so that's good. Fruit and veg last me the week, even the aldi one. If anything I find fruit and veg from asda and tesco really rubbish in keeping beyond 2 days.

cozietoesie Sun 08-Sep-13 20:21:24

Unless it's avocados. You'd most times need a hammer and chisel to eat the ones my local stores sell.

A few months back, I spotted a greatly reduced avocado in my local co-op and decided to treat myself - several days down the line because it was hard as a rock. Reached the till and they refused to sell it to me because someone had made a mistake and it was past its sell by date. My protestations about its unripeness were to no avail. They stood on their dignity and the avocado went to the shelf behind. For subsequent binning, I guess.

confusedofengland Sun 08-Sep-13 21:11:32

Hi all. The family problem has slightly resolved itself as I have been talking it over with a few people, which is a relief. DS2 is somewhat better, although still has a long way to go. He played happily for a total of some 2 hours today & spent the rest either whining gently or snuggling up on my lap, with a long nap at lunchtime sad

Yesterday I spent around £60 on diesel from Sainsbury & DH topped up our electric meter with £10. I am ringing British Gas for a second time tomorrow to get this switched over to bill payment, then I can shop around for the best deal on price comparison sites.

Today has been an NSD, also a small spending victory. In July, DH & I purchased an incomplete toilet set (no cistern & no seat, but did include taps & basin which are expensive) for £75 down from £250 from B&Q. Nearly 2 months & many phone calls & visits later, it transpires they cannot supply us with the separate cistern which we ordered on that day in their store. Had we thought this, we would not have bought the set, even at such a discount. So, after a lot wrangling, when they offered us a chance to re-purchase a complete set for twice the price hmm, we finally came away with the complete set, including toilet seat which we would have had to purchase separately, for no extra money. Feel quite pleased with that smile

I imagine this week will be pretty non-spendy, as I will be mainly spending it nursing poor DS2 back to health sad

Well done to those being frugal & keep going to those who haven't quite managed what they wanted - it happens to us all!

AdoraBell Sun 08-Sep-13 21:27:32

NSD for me, OH paid for cleaning materials in the DIY store, bigger packs and cheaper than the supermarkets but not where I usually need to go.

Wendy I aim to do supermarket once a week and fresh produce 2 or 3 times. I'm not always buying the same things though and live semi-rural, and abroad, so not the sane set up as most frugaleers.

AdoraBell Sun 08-Sep-13 21:30:25

Ha, ha, that should have been same although I often feel my sanity slipping away with the way things don't work here!

Secondchance Sun 08-Sep-13 21:49:28

Have read this thread for a long time and now feel I need to join in - have to really try and organise my finances.

Have managed first ever NSD today but think this is because we haven't left the house. Tomorrow should be another one as have diesel in car and have meal planned but we shall see!!

Hoping to sit down when DD is at school tomorrow and do up budget for rest of month. Am also starting to keep track of all spends in a little notebook to see where my money is going cos even though I don't make a lot we shouldn't be struggling so badly

racingheart Sun 08-Sep-13 21:57:55

Well done Secondchance.

Another high spend day for me today. DH hadn't been to the bank, so I gave him £30 to go off to a rugby club BBQ with DC while I went to work. Then I paid out nearly £400 in music tuition fees by cheque.

I hope once the beginning of term payments are over I can have a few sensible NSDs.

AdoraBell Mon 09-Sep-13 03:02:25

Well done on your B&Q victory Confused grin and I'm glad to see DS improving and the family situación diffusing, albiet in small measures.

Helenagrace Mon 09-Sep-13 07:00:44

Well done confused - great resultgrin

NSD yesterday...but here starts the cash haemorrhage:

£40 for choir tonight
£24 for Beavers tomorrow
Frightening (as yet undisclosed) amount for trampolining on Wednesday
£20 for hockey on Friday
£24 for guides on Friday

Shoot. Me. Now.

Helenagrace Mon 09-Sep-13 07:01:25

Forgot to say DH has an interview today and I have an interview tomorrow.

Fluffycloudland77 Mon 09-Sep-13 08:10:54

Well, nearly £50 on food in Aldi yesterday, I think I need to prune that right back.

Today will be around £40 on fluffy cats booster jabs. An hour in the car with a bengal who doesn't stop yowling. Fun.

Dh wants a petrol mower because we used the flymo on the new lawn yesterday and now it looks like the a re-enactment of the Somme. That flymo is only 2 or 3 years old too. So I will put £100 towards that out of my utility refunds.

I also need little pots to grow my herb seeds in but I will start them off in cut up egg cartons from the recycling bag.

Good luck with those interviews Helena.

prettymess Mon 09-Sep-13 11:33:45

Good luck with interviews, Helena.

DS changed his mind about guitar tuition, so that's £48 in my pocket. Yes!

confusedofengland Mon 09-Sep-13 11:40:31

Good luck for the interviews Helena

Fluffy cats don't seem to like cars much, do they? Mine get sweaty paws, too hmm

Welcome secondchance, good start.

Adora I know what you mean about the sanity thing grin

DS seems a lot better today, eaten & drank a reasonable amount & quite cheery. I imagine there'll be a slump this afternoon, but any improvement is good.

Bought 3 Christmas presents today! They were reduced in Tesco, 2 things for 2 6-year old dnephews were £25 down to £7.50 each & a ball pit for dniece was £2.50 down from £10. Also bought juice, chocolate blush, biscuits, bread, pancakes, raisins, mushrooms, pasta & cheese for about £24 altogether. Shouldn't spend any more today, though, hope to take DSes to the new house & try to do some more painting if it's not raining this afternoon. We will probably move in at the end of the month, once we have various bits done to the roof (to the tune of £6.5k hmm)

Fluffycloudland77 Mon 09-Sep-13 13:28:50

£32 on jabs. He needs dental work now so they estimate £150 for 15 minutes work.

That sounds like a lot of roof work, did you know about it when you made the offer Confused?.

northender Mon 09-Sep-13 13:46:02

Good luck to you both for the interviews helena
confused glad ds is feeling a bit better
Should be an NSD today but ds has a cricket presentation evening to go to. I'm hoping it'll be short and we won't need to buy drinks but have no idea. Shouldn't need any shopping for the rest of the week so hoping for a very low spending week.

confusedofengland Mon 09-Sep-13 14:07:08

Yes, we did Fluffy. The house we are getting is very good value for money, the roof is the only thing that needs doing structurally speaking & a lot of the work could wait, but we are doing it while we have funds from the sale of the old house & also while the house is empty. We got 3 quotes & this is the middle one, the cheapest one didn't have good customer reviews. We live in Essex, in a very desirable village & this is a 5-bedroom house, with downstairs WC & utility room. Any other properties in our price range were 3-bedrooms or one 4-bedroom on the 'rough' road of the village, mainly without the added downstairs facilities (and we looked for about a year). Our house needs decorating, too, but I'm enjoying that part of things grin

Your poor cat seems to be going through the mill a bit, hope it all goes OK.

Northender enjoy your DS' cricket presentation, he must be a good player to merit being invited along to it.

ExasperatedSigh Mon 09-Sep-13 14:22:16

£28.14 at the vets; poorly cat has cancer and is likely to be put down in the near future sad In purely frugal terms, it will save us £20 per month on the insurance payments <hollow laugh>

Did top up shop in Lidl this morning...£16.17. We have so much food in, it's ridiculous. Off to make chicken stock with the carcass from yesterday's roast now.

Fluffycloudland77 Mon 09-Sep-13 14:22:36

Nothing like a bit of decorating, I've got the F&B paint chart out grin, as long as you knew, it's a bit of a shock otherwise.

I'm going curtain rail shopping soon, I'm sure all the neighbours are sick of seeing dh in just his pants every night.

jonbonjovismissus Mon 09-Sep-13 19:59:18

NSD yesterday as DP paid for coffee while we were out and I managed to put off petrol til today......... £40 on petrol today but that was it and planning NSDs tomorrow and Weds. On a good note my Topcashback is starting to pay out, £50 in lovetoshop vouchers for xmas already!

ilovepicnmix Mon 09-Sep-13 20:50:05

Not bad today. £2 in jack fultons on beans and crisps. £1 for 5 birthday cards. They'll do for children's birthdays. £1.85 in Tesco for a birthday card for my mum from my DS - had to be a granny one - and also some custard creams! I only went to the shops to go to the post office which was shut for refurbishment. Anyway this afternoon we went to soft play which was £1 as DS not walking yet. It is £4 for 2+ which seems a big hike as thatll be him in 10 months. Won't ne quite the bargain few hours then. Im chuffed though as walked everywhere today so no petrol used.

takeaway2 Mon 09-Sep-13 22:28:31

Was technically a NSD as didn't spend anything. £3 for work prizes and £60 for dinner out again for work. Will claim them back. smile

AdoraBell Tue 10-Sep-13 02:29:07

Sorry to read about your poor cat Exhasperated, it's hard to let Go but if they are suffering it really is the best thing to do for themsad.

picnmix that really is a price hikeshock

Spent about £60 Today on food for us and dogs, then had lunch out as our water was off while blokes did whatever work they were doing. OH paíd. Should only need fruit and veg for the rest of the week, dependíng How quickly the dogs demolish their food, greedy gannets.

Fluffycloudland77 Tue 10-Sep-13 07:05:56

sigh you'll know when it's time to let the cat go, how awful for you all though.

roguepixie Tue 10-Sep-13 07:47:31

Morning all. Just catching up with the, it's moving at quite the pace!!

£5.00 only spent yesterday. Hoping for a NSD today. I will aim for a NSD tomorrow and Thursday too...<<<wishful thinking emoticon>>>

Thankfully DS doesn't have too much expenditure in the way of after school clubs - his commitments at secondary school mean that things like that can't be done. And the after school clubs at school are free...thank the lord. However, his piano lesson at school costs me £17.00 per lesson (very reasonable as far as piano lessons go) but still an expenditure.

prettymess Tue 10-Sep-13 08:05:35

ExasperatedSigh so sorry to hear about your cat sad

confusedofengland Tue 10-Sep-13 10:00:21

Exasperated sorry to hear about your cat.

DS doesn't do any after-school activities yet, as he's only just started reception & I wanted to give him time to get used to school. But one of his friends does football in the local park once a week, £3.50 per time (or £3 if you pay in advance), so I might see if he wants to try that.

Got to buy DS2 some shoes this week. Was hoping to keep him in crocs for as long as possible, especially as he can get them on himself, but the weather has turned. I get Clarks & I got his feet measured last week, but I can't remember what size they said! Then have found a website where they have quite a few pairs for £21 instead of £32ish.

Have the midwife this afternoon, so will decide whether or not to pop in a tea room on the way home (DSes love this sort of thing!) Should probably be good & settle for feeding the ducks & a cake when we get home, but I'll see how we feel.

prettymess Tue 10-Sep-13 10:06:43

I'm making a birthday goodie bag for SIL.

Posh chocs mini box from green grocer - £2.59
Card - £1.70
Bag, tissue paper and happy birthday confetti - already have some
Scratch cards - £2

Running total: £6.29

Still want to get a candle or some mini Sanctuary toiletries, which I can buy at work with discount. Should come to around £10. Considering she gave me a tea towel for my birthday (hmm), I think it's a nice gift and I would be chuffed to get something like that.

roguepixie Tue 10-Sep-13 10:22:17

Exasperated, am sorry to hear about your cat.

confused, good luck with your midwife appointment. I hope you get to stop off at the tea room. I loved doing that sort of thing with DS when he was small and, truth be told, even now he's 13 he stills loves a good tea shop. smile.

confusedofengland Tue 10-Sep-13 11:00:05

Just found something frugal (ish) & thought I'd pass on the tip. If you sign up to Frankie & Benny's birthday club you get a free main meal on your birthday. Can sign up other members of your family, too, kids up to 12 eats free from Kids Menu. You do have to buy another adult meal with it, but hand y if you go anyway grin

ilovepicnmix Tue 10-Sep-13 19:06:08

Evening all. Today I've spent about £9 today on face wipes, few bits from the pound shop and postage to send two cards to Australia. Back to work tomorrow so should have some NSDs coming up.

takeaway2 Tue 10-Sep-13 19:22:59

NSD3! Sorry to hear about your cat... It must be so hard. hmm

confusedofengland Tue 10-Sep-13 19:58:09

NSD smile

northender Tue 10-Sep-13 20:25:29

Sorry to hear about the cat sad
Hope the midwife appt was OK confused
Managed to avoid drinks at the cricket presentation last night then had v proud mum moment when he got the players player of the year award smile . He captains his club team but this was a level above that so a real achievement.

ExasperatedSigh Tue 10-Sep-13 20:28:08

Thanks everyone. He has rallied a bit today after managing to eat some chicken with crushed-up steroids in it, so he's now really frail and uncomfortable but more hungry hmm I don't think it's a long term solution really.


AdoraBell Wed 11-Sep-13 02:48:20

Well done Northenders's DS

Glad the cat managed to eat something Sigh, it must be really hard.

NSD Today (Tuesday) need moré food for dogs and dewormimg pills.

Fluffy did you find curtáins rails?

onlysettleforbutterflies Wed 11-Sep-13 09:02:01

Hi I hope you don't mind me joining you all, I've decided its time to stop burying my head in the sand and do something about it. I'm about £400 over drawn and need it sorted asap, we don't have much spare cash but I have a bit of a shopping addiction, I can't resist a bargain but when I'm doing it the extent I was, it becomes not a very good bargain and I buy a load of things I don't need. I am on NSD3 which is a massive achievement for me!

Exasperated I hope your cat is okay, we have just been through the mill with our cat but he has come through the other side now, such a worrying time.

prettymess Wed 11-Sep-13 09:24:59

2 bottles of milk £2.58
That should be it for today.

Welcome, onlysettle, £400 is not too bad. Bargains are my downfall too, I get this from my dad. Though he made a way to make a profit from them, I just gather stuff.

prettymess Wed 11-Sep-13 09:30:12

Tip for ones with cats or dogs. If you buy Frontline, get it at Boots (they sell it behind the healthcare counter) and get adcard points. Even better if you have a coupon for extra points over a certain spend.

Our cats are the only ones in our house to eat branded food (whiskas). We just have supermarket own brand stuff. Hmpf.

daisychicken Wed 11-Sep-13 09:41:41

Haven't been about for a few days... in the middle of a flare-up so not feeling brill...

Sorry to hear about your cat Exasperated - it's hard but you will do the right thing for your cat and you should take comfort from that x

I've managed to only spend £4 on milk, potatoes and cauliflower this week so far.. run out of fruit and other veg so shopping tomorrow. That's still 2 NSD's so I won't complain!

onlysettle £400 OD is manageable... I wish ours was as low...! You'll get it sorted I'm sure!

Ok Christmas this year, I've bagged a Groupon for photo calendars - £17 for 5 (was only £2 more than for 3 so that means we get one as well and still have one over.... but I digress...!) so both sets of parents will get one. Dh's parents are also getting some new mugs (4 for £2 in Tesco sale!) and 'nice' coffee, tea etc - nice and easy and I can do it bit by bit. Am thinking of similar for my parents but they don't need mugs ( have tons!) - any thoughts anyone on how to make it look a bit more special? DM is coeliac with dairy intolerance so that puts paid to bought biscuits etc... I could do a fruit cake though couldn't I? I've done that before and have a suitable recipe......

onlysettleforbutterflies Wed 11-Sep-13 10:15:03

Hmmm make that £550 dp had a tyre blow out this morning, thankfully he is ok but could have really done without it, overdraft just keeps creeping up and up.

Prettymess my cats will only eat whiskas too, but also quite happy to eat mouse etc too yuck!

confusedofengland Wed 11-Sep-13 12:19:10

Well, NSD yesterday, midwife went well & heard baby's heartbeat which was exciting. Am 16 weeks already shock

Today, spent £10 in Primark on a long black cardi with no buttons, which should get loads of wear as this is a winter pregnancy. Then had coffee in Starbucks, which was free! They were doing a promotion where you could get a free latte from 9.30-11.30 today & yesterday, so I had one of those, DS2 had a babychino, which was free & we shared a waffle, which I paid for with my loyalty card that I got half price in the summer. Bargain grin

Shouldn't spend any more today as just going to new house this afternoon to crack on with decorating.

Welcome to yet more newbies smile

Daisy for your parents' Christmas present, can DCs make/scribble something nice for them? Or help you make cake etc?

Exasperated glad your cat wants to eat, I think there comes a point when you just do whatever you can to make them happy & comfortable flowers

SilverSixpence Wed 11-Sep-13 12:51:57

I'm going to join in, have a very bad spending habit and the last of the stat mat pay has come through shock

The kids are ok for winter clothes although ds could do with a warm fleece and shoes and dd needs a snowsuit. Other than that we should be able to manage.

I am a terrible spender on clothes etc which needs reining in. I do hanker after a warm winter coat but may sell a few bits on eBay to fund this.

Food wise we've been shopping in Aldi mostly with occasional small shops in sainsburys and the v occasional splurge in waitrose. I have a 500 nectar point voucher for £20 spend on laundry items so will do that this week before I lose the voucher

Will aim for 12 NSDs too this month and also try and make some menu plans

sportinguista Wed 11-Sep-13 13:03:36

So I've managed NSD Sunday,Monday and Tuesday after a moderately spendy Saturday of £70 but that was a whole weeks shop including whisky for DH which will last all month. Managed a supreme shepherds pie using a combination of left over chilli, bolognese and quorn mince for tea which shows what can be done when necessary!

Colleague gave me 4 bags of clothes for DS, most lovely brands, loads of next, zara, ralph lauren etc so he is kitted out for winter as they are in mint condition. I'm hoping this means I don't need to spend much on clothes until spring. Some of the clothes are for summer too so next year is covered too!

I'm hatching my annual jam making plan from mark down fruit as well as that saves loads and provides presents for relatives as well since it always means loads extra!

Thingymajigs Wed 11-Sep-13 13:27:02

Looks like I'll be joining you all again. Currently 19 weeks pregnant with dc3 and about to move house in a couple of weeks so I need to save every penny I can for new flooring, paint and baby equipment. Oh, not to mention Christmas!
I got a lot of inspiration at the beginning of the year from these threads which enabled us to pay off all our debts and cleared overdrafts. We even managed two UK holidays and we are not very well off at all so hopefully I can do the impossible once again.
I just need some winter boots from ebay and then I shouldn't need any other extras for a few months. Strictly selling only afterwards.

Thatsinteresting Wed 11-Sep-13 14:05:01

Hello all newbies and everyone who has returned. There's a lot of us this month, a post summer, pre Christmas boom?

Pay day on Friday after what has felt like a very, very long time. I've meal planned for the entire month so I'm hoping to keep the budget down as I must put some money away this month for future expenses.

The Dc have winter coats that I picked up in January but dd will need some boots, I may see if grandparents want to treat her and both need wellies so quick trip to Asda needed. I think I may need a new coat. I'll drag out last years this weekend and decide.

roguepixie Wed 11-Sep-13 14:42:34

NSD day here today...woo-hoo grin.

Welcome to all newbies and returners - as Interesting says...lots of traffic on this month's thread smile.

Will be doing my weekly shop on Friday this week - so that will be my spendy day. Need to buy DS new socks as well.

Exasperated, big un-mumsnetty hugs for you. It's awful when such a loved pet starts to become frail. I hope the medication helps.

Helenagrace Wed 11-Sep-13 15:10:37

NSDs not going to plan - but I haven't done a shop this week so overall we're doing ok.

I got the promotion I wanted and I plan to take great pleasure telling zero hours college where they can locate their jobgrin.

Starting to think about Christmas now!

confusedofengland Wed 11-Sep-13 15:12:06

A slight hitch in the frugality plans for the confused household. Apparently, we are eligible for standard gas & electric meters in our new house, as the meters from the previous tenant are prepayment, but we must wait until 22nd October until new meters can be installed shock This is with British Gas - who, incidentally, I have called 3 times since Saturday to try & get this set up. Does anybody have any tips re: being on prepayment meters, as I believe that this method of using energy is a lot more expensive than others? TIA

AdoraBell Wed 11-Sep-13 15:37:27

Welcome To all newbies, glad your DH is okay after the blowout onlysettle

I've decided not To do Christmas this year, too much else going on and I just don't have time. Do you think DDs will noticewink.

Turns OH hasn't paid off his crédit cards like he told me, but he has moved the money To the 'right' account To be able To pay the CChmm

Just buying yet moré food for his dogs. £17.50, plus a few quid on bread and chocolate.

SpangleMaker Wed 11-Sep-13 16:51:19

Confused grin at hearing baby's heartbeat. And belated congrats on getting the house, I remember from when I was on the July thread you were having a stressful time.

Congrats on the job Helena grin

I've had a bit of frivolous spending in Muji today - DH wanted a certain type of filing box they do and a few extra organisational items may have <ahem> found their way into my basket.

Otherwise I've been doing fairly well - saved £150 on my car insurance compared to the original quote, meal planned, made lunches and made DS a PE bag from material I already had. DH has picked up some Thomas engines DS wants from a charity shop so we'll save those for Christmas. I'd like to have a few NSDs but don't seem to be doing very well at those - there always seems to be something to pay for. I'll settle for some No Fritter Days instead smile

roguepixie Wed 11-Sep-13 17:03:12

flowers, wine & cake for you helena - celebrate that promotion. Congrats. smile

confusedofengland Wed 11-Sep-13 17:52:54

Helena congrats on promotion flowers. Sorry I missed that before!

ExasperatedSigh Wed 11-Sep-13 18:36:24

Helena excellent work, congratulations!

confused how lovely to hear the baby's heartbeat - it's really in there grin And yes, I meant to say congrats too on securing your house. The stress of tenant etc. is behind you, now you get to do the fun stuff.

Thanks for good wishes re. the cat. Afraid he is booked in for the final appointment tomorrow sad Steroids made him hungry but he can't keep anything down; add to that he can't rest, and it's not much of a life for a once active and boisterous boy. The vet told me straight that she doubted he would survive any surgical intervention so it really is all we can do, but I am still gutted.

Spent £4.63 in Tesco on the way back from karate, buying grapes, tubes of Smarties for the kids, reduced pork mince for tonight's tea and tonic for tonight's gin.

AdoraBell Wed 11-Sep-13 18:36:55

Huge congrats Helena, for the promoción and for being able Zero Hours Inc that their Job is not requiredgrin grin and some wine thanks

Ohhelpohnoitsa Wed 11-Sep-13 19:07:43

sportinguista, make some chutney too. I used good food recipe last year - so simple. I used windfall apples that loads of folk around here just leave in bags outside their houses, onions from an allotment sale and bought cider vinegar. everything elae I had in stock. Made fab presents but need to do it soon so it can mature!

prettymess Wed 11-Sep-13 19:34:38

Well done, Helena!

Slap me all on the wrist, I went to Costa £5.40
And got my boss, who never eats any lunch, a £20 Costa gift card as a thank you for all her support recently.

Fluffycloudland77 Wed 11-Sep-13 20:25:26

Oh exasperated poor you, I've done that final visit. They leave such a void.

Well done Helena. Zero hours contracts are the devils work.

Adora, yes we have a curtain pole. It's not up so dh will risk an indecent exposure charge until the weekend, and yes the DD will notice no Christmas.

I think with prepay meters you can change suppliers, British gas are very pricey, but changing takes 4-5 weeks ime. You can compare online and moneysavingexperts energy club is very good.

Fluffycloudland77 Wed 11-Sep-13 20:27:14

Oh exasperated poor you, I've done that final visit. They leave such a void.

Well done Helena. Zero hours contracts are the devils work.

Adora, yes we have a curtain pole. It's not up so dh will risk an indecent exposure charge until the weekend, and yes the DD will notice no Christmas.

I think with prepay meters you can change suppliers, British gas are very pricey, but changing takes 4-5 weeks ime. You can compare online and moneysavingexperts energy club is very good.

Fluffycloudland77 Wed 11-Sep-13 20:29:22

Oh exasperated poor you, I've done that final visit. They leave such a void.

Well done Helena. Zero hours contracts are the devils work.

Adora, yes we have a curtain pole. It's not up so dh will risk an indecent exposure charge until the weekend, and yes the DD will notice no Christmas.

I think with prepay meters you can change suppliers, British gas are very pricey, but changing takes 4-5 weeks ime. You can compare online and moneysavingexperts energy club is very good.

Fluffycloudland77 Wed 11-Sep-13 20:31:04


ilovepicnmix Wed 11-Sep-13 20:41:03

NSD today so yippee! Payday on Friday and I'm already looking forward to working out my weekly budget for the month. Sad eh?

Well done Helena.

Ohhelpohnoitsa Wed 11-Sep-13 22:40:22

thinking of ebaying some stuff. Has anyone done it since the postage commission tging came in to force?

takeaway2 Wed 11-Sep-13 23:17:12

Congrats Helena! Well done!

Nsd4! Although I've only just come home from a work do. Only consolation is that boss man saw me at my best and boss is still there.. Well when I left he was there. So hopefully he now sees me in action rather than just hear about me! Night all.

Fluffycloudland77 Thu 12-Sep-13 07:51:14

What's postage commission?

sportinguista Thu 12-Sep-13 13:11:03

Ohhelpohnoitsa I made chutney as well last year mango from an Asda recipe which was fab but it does make a lot, I still have some even with giving some to my sister.

The shepherd's pie went down a treat although I didn't come clean to DH what the composition was until this morning, he hadn't noticed anything different!

Will be a spendy day but it's payday and bills need doing and also shopping. Have the £20 Ocado deal so am going to try that and combine with a mix of Aldi and Sharif's superstore!

daisychicken Thu 12-Sep-13 13:21:40

{{{unmumsnetty hugs}}} for Exasperated

Have done a waitrose order for food today £66 - I did a mysupermarket comparison, was about £2 more than tesco but free delivery so worked out cheaper than tesco delivery or driving (plus bonus of not having to struggle with trolley/bags while feeling crap), I even went through shopping list & removed stuff so feeling quite saintly! wink

Was shocked at price of some razor blades £16.xx for 6 Venus blades (compared at all stores) - my fave as give such a smooth shave but I can't justify the cost... will stick with my cheaper Gillette disposables and scratched legs.....

shortscotty Thu 12-Sep-13 14:03:27

Sorry to hear about the kitty, Exasperated and great news on promotion Helena!
Spectacularly cocked up my end of month banking by paying a credit card twice, I didn't get email immediately confirming payment had gone through so panicked I had missed it so next day did it again, £90 out of the pot that wasn't there to start with. Crap. Then phone bill from holiday roaming, last month £91 thought great, all done then this time is £93. Hubby thinks its accurate but I am going to make him phone them to check it. I would but he's the main account holder, this means I now have to spend days nagging him to ring. Not best pleased. £45 at vet for stung paw and gentle reminder her vaccinations are not up to date either. Must really try to stash cash more as its all gone on the credit card
Going to pick up stuff for chutney tomorrow I think, all the tomatoes are sitting there and going to go bad if I don't get on. Also need to sort out shopping list for my Christmas cakes, I like to have them all made by end of September but this year struggling to motivate myself. I have managed better with meal planning though just not mastering the NSD at all.

roguepixie Thu 12-Sep-13 15:17:53

£65.00 on suitcase for DH - he travels a lot for work and wanted a carry-on size.
£175.00 on food shopping shock. I know. It's horrendous. And for the next 5 days it's just DS and I shockblush.

ExasperatedSigh Thu 12-Sep-13 19:21:54

£89 on euthanasia and cremation costs sad I am so, so gutted. My lovely cat.

takeaway2 Thu 12-Sep-13 19:41:46

Oh big hugs...!!! I cannot imagine. hmm

Thingymajigs Thu 12-Sep-13 19:42:24

So sorry to hear about your cat. sad We have 3 ourselves and the thought of eventually losing them is heart breaking.

confusedofengland Thu 12-Sep-13 19:44:40

Oh exasperated sad You did the right thing, not letting your pet suffer, if that's any consolation flowers

Spent £23 in Sainsbury's today for nappies, clothes horse, cheese, butter, cola & squash (was £34 but used vouchers plus Nectar points gained using Adpoints smile). Then £15 in B&Q for paint to finish off nursery in new house - is a slight different shade as the first coat was a pot I found in the shed which was about 10 years old, but went on fine. But I think a top coat in a lighter shade should be OK <hopeful>? Then £6 in McDonald's so boys could go to soft play, as DS1's playdate earlier was cancelled at last minute due to sickness of their dog hmm. Plus £1.90 for DS1's school dinner.

Have put a few bits on local FB baby selling page, so will see if that yields anything. Whoever was asking about Ebay - I don't bother selling there any more, I find that postage costs & commission makes it prohibitive, plus if a buyer leaves you undeserved negative feedback, you have virtually no comeback <voice of bitter experience>. Gumtree, Preloved or local FB selling pages are good, plus buyer usually collects so no trips to post office.

ilovepicnmix Thu 12-Sep-13 20:01:13

Sorry to hear about your cat exasperated.

NSD here and payday tomorrow so just worked out my weekly budget. Im going to save £150 but my budget will be tight as it's my mum and aunt's birthdays this month. No idea what to get them!

prettymess Thu 12-Sep-13 20:23:44

exasperated so sorry to hear about your kitty

Got a £177 tax rebate for DH. Nice surprise for us!

takeaway2 Thu 12-Sep-13 21:21:32


AdoraBell Fri 13-Sep-13 02:44:10

So sorry Exhasperated thanks

Was feelling quite hacked off Today so I Spent £50 in the supermarket. That got me chickens for the dogs, turns out the puppies need vastly moré than even I estimated, dinner for 3 days and a load of crápula for DDs to have a sleep over Tomorrow. Only problem is said sleep over is happening here, I agreed in a moment of madness.

roguepixie Fri 13-Sep-13 08:27:30

I am so sorry Exasperated. The loss of such a loved member of the family is devastating. It is so, so hard even though you did the right thing for your pet. <<<un-mums-netty hugs for you>>>

ExasperatedSigh Fri 13-Sep-13 09:35:16

Thanks everyone. We splurged on a takeaway curry last night as I was so exhausted and sad. It's what the cat would have wanted - he was always trying to nick our food, he loved curry confused

Yesterday made me realise how ground down I feel at the moment. My 2yo DD is being hard work, she is lovely but incredibly full on. My son was such a chilled out toddler that I've never had to deal with crazy 2yo tantrums over EVERYTHING. DD is ridiculously stubborn and determined, plus ridiculously strong and heavy. Everything is attacked at a run (physically and otherwise!) It's tiring.

Anyway, it's raining here so I might take her to soft play and let her burn off some of the madness grin Need a couple of bits for tea as am having some friends over for post-school playdate.

ilovepicnmix Fri 13-Sep-13 19:13:31

Evening all. Today I've spent £55! 50 on petrol, 4 on milk and 1 contribution to a collection at work. I told you there's always one going round! I'm getting mean though as I barely know half the people so minimal contribution from now on in.

AdoraBell Fri 13-Sep-13 20:59:48

This morning I returned one of the costumes for the school performance which was a bit big. Had waited until the day of the event in case DD changed her mind about using last year's. As we'd bought it from the supermarket I got £20 worth of storecupboard things I would normally have spread through the month.

Actual spend today was a hefty £6 because of zipping around on the roads, 80p parking and £3 on a very late breakfast.

takeaway2 Sat 14-Sep-13 08:36:18

LSD yesterday. Didn't spend anything except on tip for dinner out. smile Today will be quite spendy as need to get the week shop but also cake baking stuff for DD's birthday tomorrow! I know cutting it fine...! But
Dh says he'll be doing it... And if it fails it's off to sainsbos for the hello kitty cake!!!

Fluffycloudland77 Sat 14-Sep-13 10:44:23

Well, my car insurance came through today. £247 if I auto-renew with them or £186 if I do a quote as a new policy.


I will be changing insurers as usual grin

takeaway2 Sat 14-Sep-13 12:56:31

£155 at sainsburys.shock But that included 3 pairs of shoes for winter (including matching pair for me and dd only because I have small feet and can fit into the kids size!) and cake baking stuff for DD's cake tomorrow. Rainy. So not going out now.

Ohhelpohnoitsa Sat 14-Sep-13 23:58:43

fluffycloudland, I read on a previous frugal thread that from this month, Ebay will take a their usual '/, from your sale amout but also a.' /, off the postage you charged - hence making you even less profit or meaning you have to hike up your postage charge a bit to cover it. I haven't sold anything for a few months so I am not sure how much they are now taking. (How can I find a loval fb baby selling page? new to fb.)

Ohhelpohnoitsa Sun 15-Sep-13 00:09:06

I have had 2 nsd this week (possibly the first since May?). New car still more than half a tank of diesel left, whereas previous car would have needed it £90 fill so that is really making me smug! Lidl shop today was £81 but included 2 packs of nappies & lots of store cupboard stuff. Usual supermarket for me is around £110 a week so again, very pleased with that. Dh away next week so hoping to economise a bit on food useage. Want to pay off £800 cc bill in 2-3 months by reducing spending from grocery/fuel budget. Can I do it?? Just moved to natwest interest free so at least there is no interest being charged. Frugaleers, have you checked out the voucher pages on ebay? Some bargains to be had there if you look carefully. Ironically someone. paid me £41.73 for £40 worth of M&S vouchers. Why would anyone do that?

ilovepicnmix Sun 15-Sep-13 10:19:01

Did a shop in sainburys yesterday but I had a giftcard with some money on it so effectively free. I do think it's so much more expensive than other supermarkets. Then I spent £5 something on pic n mix and clips to baby proof cupboard doors. I though I could avoid this but DS makes a beeline for one in particular where I keep oils and I know im going to be dealing with an oil slick soon if I don't sort it out. He is with his dad this weekend so thought I'd get it sorted yesterday but I need a drill so I'll need to wait for my dad to visit next month. Thought id use a £10 pizza hut voucher last night so placed my order and went off to kill some time but the man ran out after me saying his manager had just told him they didnt accept that voucher anymore. Gutted! Bought a Tesco value pizza at £1.40 instead which was not quite the same. Bet it had half the calories though so not all bad I guess. DS not back till 3 today so will be a NSD today.

Thatsinteresting Sun 15-Sep-13 12:42:51

oh help there are some strange people on ebay. I once sold something for a couple of quid more than the buy it now price I'd listed. Still it was more money in my pocket so not complaining.

I've done a huge food shop, £125.50, which included bird seed as winter is coming. I will hopefully just need fruit and milk for the rest of the month. I really must make an effort to stick exactly to my meal plan as I need to be putting money aside for car insurance and that day in December.

I've batch cooked loads of packed lunch treat items this morning so they'll keep dd and dh happy this money. They've gone to the cheap cinema showing while ds naps and I cook my first roast dinner this autumn.

I need to get dc some wellies but Tesco or Asda ones will do. Both have new (to them) winter coats but I'm thinking I may have to get myself one. Has anyone seen any good deals?

Pluto Sun 15-Sep-13 12:51:35

First post on the September thread - can't believe we are half way through the month. It is much easier to have NSDs now that I'm back at work but of course it just means the purse is out a lot at the weekend. Had a look at the state of this month's likely cc bill and the depth of the overdraft yesterday morning, and feeling reasonably buoyed as we have shaved quite a lot off both. Still hoping to be out of OD and back to saving by the end of November but it is a bit touch and go...

roguepixie Sun 15-Sep-13 14:54:57

£12.00 on socks for DS.
£25.00 top up shop - although what the bloody hell I had to "top up" after spending £175.00 on Thursday is beyond me confused.

£5.00 on oyster fuelled tube journey/return. (DS is recording a CD with his choir...<<<proud mum emoticon>>>)
£2.00 on bag of chips for said DS as his stomach is a never ending pit of hunger smile.

NSD!!!!! Woo-hoo...finally, a NSD this week.

DS and I are having a lazy day...ironing is done (for me) and homework is done (for DS) so the time is our own. Roast is in the oven and all is right with the world...for 5 minutes anyway smilewink.

I hope everyone is having a great Sunday?

confusedofengland Sun 15-Sep-13 21:37:30

£8 in Farm Foods, £13 in Tesco, shouldn't need to get much more in the way of groceries for the next week.

Plus DH has just bought a wall-hung granite fire (really modern, looks like a TV) for £56 from Ebay, but they are over £400 new.

Have sold some curtains on FB local pages, just £3, but all to the good. Somebody was asking about selling on FB local pages, just go up to the bit where you would find a person & type in eg London selling page & some will come up. You can upload pics & chat to people about your items for free.

AdoraBell Sun 15-Sep-13 21:55:02

NSD for me but only because OH went out To get chickens for the dogs, and picked up a few other things. I told it didn't matter which local supermarket so he went To the closest and their chickens were twice what I'd paid in t'other shop last weekshock. He racked up about £50. Add that To (hang on while I think about dollars) about £360 on kennels and deworming pills. Dogs have picked up a parásito on their ventures but are treated now.

Rogue having a lovely Sunday here, Thanksgrin, not surprised you are proud of DS, sounds fab.

aStitchInTime Mon 16-Sep-13 09:12:31

Hi, mind if I join?

We have serious financial problems at the moment but I'm trying to turn it into a bit of a game. DCs are too young (just gone 3, and a baby) to be bothered about having expensive things), and I enjoy a bit of frugality if it's just for a while -- here's hoping! We have the in-laws to fall back on if we really can't manage, but who wants to fall back?

Have been selling heaps of stuff on local FB pages, usually just a few pounds here and there, but it's more to get things out of the house (we have way too much stuff, I don't know where it all comes from -- mostly thanks to children's clothes and toys I guess).

Apart from yesterday when we went out for our first family day in aeons, we haven't spent anything (apart from on food and bills) for a month or two. My main priority right now is getting the food costs down down down, while still having yummy and nutritious meals.

Hoping that my next lot of payments come in (I'm a freelancer) before the next lot of bills have to go out at the end of the month. Bit nerve-wracking but that's life in a financial crisis eh?

Fluffycloudland77 Mon 16-Sep-13 17:11:55

Everyone's welcome Stitch. Aldi or Lidl are your freinds for cheap shopping but good food. Except the world and his wife shop there now and Sunday morning is not as quiet as it was.

So, today I spent my £20 shell fuel voucher I got off moneysavingexperts offer months ago for £10 plus £1.30 cashback from topcashback and now have enough petrol for most of the week.

Can I bore you about my new broadband? It's from Primus, it's £4 a month unlimited (£2 for the first 6 months) and £10 a month line rental if you pay upfront. I got £57 cashback from topcashback. It doesn't seem to be price comparison sites but so far so good. I had a query the other day and when the operator couldn't hear me she rang me back after re-starting her system so she could find out why I'd rung. Plus it's an English call centre.

£4 on poundshop cat collars as the cat keeps having scraps and losing his. So I got him pink ones. With polka dots.

ilovepicnmix Mon 16-Sep-13 19:35:11

Evening all. £4.35 today on entry to soft play, coffee and a toasted tea cake! I found a load of reusable nappies that I haven't used today. I bought them while pregnant and naive. Think I'll check out my local Facebook selling pages as I have a few other baby things I want rid of too.

takeaway2 Mon 16-Sep-13 20:26:07

LSD with school dinners. £4.50. Dh stumped up the rest coz I had no change! Bright packed lunch to work.

confusedofengland Mon 16-Sep-13 21:06:27

50p today on toddler group for DS2. Forgot to pay DS1's class money of 50p though, so will pay that tomorrow blush

Had DS2's first SALT session today (following his assessment about 6 weeks ago). The SALT was really pleased & impressed with the difference in him since the assessment & says he's made good progress & is laying some good foundations for starting to speak. I'm not kidding myself that he's anything other than very delayed in talking, but I'm so proud of him for this progress - it makes it feel more real that a professional has noticed it too smile Anyway, back to normal after that Proud Mummy Moment

Tomorrow should be LSD, need baby bath, yoghurts & chocolate blush, but that should be it.

picnmix I didn't use them, but I think there may be particular websites or FB sites for selling cloth nappies on.

Fluffy that sounds like a great broadband deal, will look into it for the new house, thanks smile

Welcome stitch I have done freelancing in my time (& will do again once the DC are all a bit bigger) so I totally get the money situation. My main work provider was a terrible payer, up to about 6 weeks late & I had to remind her all the time. She was a national 'name', too, so it's not like she didn't have it shock

adora if your DH is anything like mine, he needs specific supermarket instructions & even then will come back with a load of things you don't need & nothing that you do (but usually a bunch of flowers or chocolate for me too) grin

CremeEggThief Mon 16-Sep-13 22:14:03

Hi All,
I'm back again after a busy and rather spendy summer, as we moved house and then I had to decorate. Also had to pay for my DS' s Scouts trip, Scouts uniform, school uniform and his 11th birthday at the end of this month, as well as a few small gifts for other relatives and family friends. Oh and guitar lessons for the term, until Christmas. Phew!

Anyway, it's been great catching up with everyone's news on the thread, and I'm pleased to report my first NSD for a long time. smile

Ihatecobwebs Mon 16-Sep-13 22:20:18

Hi, I'd like to join.

I've got a lot of expenses to come out in the next few months, and need to seriously rejig our spending to cover them.

Main problem is my car - its become very unreliable, and is costing me a fortune in repairs. We've decided to look for a replacement, and that seems to be around the 2k mark - I'm going to have to go the savings account for that - ouch!

Then, I managed to break a tooth at the weekend, so am going to the dentist tomorrow, and I think it'll cost the highest rate of £214 - a nasty unplanned expenditure.

So this week I need to look at all our expenditure and see where we can make some savings.

AdoraBell Mon 16-Sep-13 23:04:48

Hi Cremeegg good to see you back and Well done on the NSD.

Confused, Yep just the same as your DH, expect a distinto lack of flowers or chocolateshmm. I got shopping Today, £70, covers a slightly extravagante BBQ just at home on Wednesday and the rest of the week. Loo roll was on offer, but out of stock, I Sent OH to the other shop on strict instrucciones not to pay full price, the boy done goodgrin

Also had to Get moré bits for DD, another £20

Fluffy Well done on that broadband deal, and Those cat collars sound fabulous grin

We now have Nothing coming in for the second month I've had enough of this rollercoaster

Welcome to all newbies

Fluffycloudland77 Tue 17-Sep-13 07:10:19

How on earth do you cope Adora? Are there even benefits over there?

prettymess Tue 17-Sep-13 09:08:50

Hi all, the heating has been turned on, blankets and jumpers are out. Brr, I love autumn, but it's chilly!

DH keeps bugging me with 'stuff he wants'. Games, PS4, building his own pc... Not gonna happen. I do feel mean, but it's just not realistic. Needs first, then wants!

confusedofengland Tue 17-Sep-13 10:50:42

Just back from hopefully my only spending of the day. Bought some lights for DH's bicycle, as his last ones were nicked angry so he has been having to take the bus to the station. This is about £3 per day, so the £31 on lights should soon be covered (plus they were half price in Halfords grin)

Also spent £1.35 in Boots for some Baby bath. Bought pocket packs of tissues & chocolate too blush but paid for these using advantage points.

DS2 was a little star when we were shopping. I made the conscious decision not to take the pushchair (we were in a retail park) as I want him to be walking everywhere when baby comes, but let him walk & envisaged lots of running off, pulling things off shelves & tantrums. He had a small cry when I made him put the mini shopping trolley back at the end of our Boots visit, but was soon distracted by a stop at Pets at Home to look at the animals. And he didn't run off once! He even carried the bag for me grin I really think he will start to come into his own now that DS1 is at school all day so I can devote my attention to DS2.

Welcome back CremeEgg hope you have settled into your new house OK.

Welcome to cobwebs Have you thought of buying a secondhand car? My Dad always gets his at the car auction & has had some excellent cars for very little money smile

CremeEggThief Tue 17-Sep-13 16:21:25

<Waves at Adora and Confused>.

Another NSD so far, as long as I can force myself to wait until tomorrow to get milk (almost out) and kitchenroll

Thatsinteresting Tue 17-Sep-13 19:27:07

Hello Creme, welcome back. Seems a lot of people are moving/have moved. Very expensive and stressful.

My meal planning is going well. I'll get some more milk and fruit on Thursday. I'm desperately trying not to put the heating on but it's freezing! The dc are toasty in bed so I'm just snuggling under a blanket on the sofa with a hot drink. We only turned it off in May!

Thatsinteresting Tue 17-Sep-13 19:27:22

Hello Creme, welcome back. Seems a lot of people are moving/have moved. Very expensive and stressful.

My meal planning is going well. I'll get some more milk and fruit on Thursday. I'm desperately trying not to put the heating on but it's freezing! The dc are toasty in bed so I'm just snuggling under a blanket on the sofa with a hot drink. We only turned it off in May!

ilovepicnmix Tue 17-Sep-13 20:31:22

Got my DS his first pair of shoes today! He's not walking independently so it's a pair of cruisers as I was worried about him going from nothing to proper shoes. Seems I needn't have worried as he loves his new shoes. My ex came with us and paid for half so just £13 from me. Very nice of him but I'd rather he just gave me more money every month and then I might not be on this thread. Oh well. I'll deal with that in the NY.

AdoraBell Tue 17-Sep-13 21:13:51

Fluffy no benefits, OH tries to build up a kind of kitty but really what happens is he gets far too stressed and ends up at the Dr/in hospital and I try and keep things ticking along while dreaming of the day we can leave, and consuming vast amounts of chocolate. I love the country but can't keep on living like this. It doesn't help that other foreigners we meet can't get their heads around us not having an expat package. Partly why I decided to eschew all the expat clubs and make my own friends among the locals.


takeaway2 Tue 17-Sep-13 23:06:24

NSD6! Watching 'britain's broken families' and getting very annoyed. With everybody. Hello all newbies. Everyone welcome here. smile

claretandamberforever Wed 18-Sep-13 08:25:40

joining up as I need to get frugal. just marking my spot.

lineup Wed 18-Sep-13 09:34:12

well last week I had 4 out of 7 NSD

Sun, Mon, Tues NSD and today is looking that way but MY is it hard!

Today: school run, long beach walk, meals planned for the next 2 weeks until end of month and stuck on fridge. Surprisingly easy to stick to it

I'm satisfying my retail urges by just looking at online shopping websites, adding to basket, but not checking out. I soon get distracted by something else and so I feel I have had a good look at pretty things, but without spending the cash!

I'm also making lists for Christmas presents as I look online, to research what is out there so that December pay doesnt get swallowed up with present buying etc. Feeling organised!

confusedofengland Wed 18-Sep-13 09:34:53

Reckon I'll spend about £15 in Tesco today, including a cheeky Costa if the boys are good (£1 for tea for me, 50p each for babychinos, £1ish for pack of wafers).

Am also going to drop off something I sold on FB today, so that's another £2 in the house tin. Plus a school mum friend has just offered me 2 black bags of baby clothes should DC3 be a girl, she was quite excited at the idea smile. Also joined Swagbucks last night, not quite sure how it works yet but worth a try.

Off to the village soon, story & rhyme time with DS2, then GP surgery to register, then feed the ducks with a couple of stale crusts. The sun is shining a little here & it makes such a difference!

lineup Wed 18-Sep-13 09:37:07

also thinking of popping to pound shop to pick up one of those money saving tins which cannot be opened - one for a Christmas fund for goodies/chocs/naice food & the other for 3rd baby fund (due February!!)

confusedofengland Wed 18-Sep-13 09:41:49

lineup those tins are great! We have one for £2 coins & it is almost half full, we just put any £2 coins straight in there & don't tend to miss them. Some tins can hold up tp £1000, I believe shock BTW, when in February are you due? I am due DC3 on 27th February (but will be earlier as I have to have ELCS this time) smile

lineup Wed 18-Sep-13 10:20:50

thanks Confused & congrats! DC3 on the way! Due very end of Feb, trying to put some spare change away until then - my logic is trying to be that I shall put in the tin the cash I saved by not buying coffees/magazines/etc each day! It's exciting to be having baby no 3, I feel 3 is a lovely number to have.

CremeEggThief Wed 18-Sep-13 11:44:27

Congratulations to both Confused and Lineup smile.

CremeEggThief Wed 18-Sep-13 16:28:22

£5.82, on a 2nd class stamp and a bit of shopping from Tesco. I usually have a day out on Wednesday, but stayed home and gardened all day instead. Quite satisfying really, especially as it was nice and sunny.

lineup Wed 18-Sep-13 17:15:49

Thanks CremeEgg smile

I was also wondering if anyone has a designated 'day out' just for them, I was thinking of making Thursday mornings my day of the week where I get to pick up something treatwise under a fiver just for me...or maybe just taking myself for a browse around the shops with my flask of tea amd biccies to have in the carpark before window shopping. I still love the retail buzz but am teaching myself not to spend anything. It's a good feeling to feel in control and not swept away by marketing/consumerism/capitalism

CremeEggThief Wed 18-Sep-13 18:03:18

Go for it, Lineup! You won't regret it!

ilovepicnmix Wed 18-Sep-13 19:30:33

Evening all. Would have been an NSD today but the brown envelope signalling another present collection winged it's way to me so £2 in. Someone else leaving! There will be none of us left soon.

takeaway2 Wed 18-Sep-13 20:00:07

NSD 7. On a roll but paid out for car insurance - dh paid but it was still going to come out of our joint account. And it was £400. shock

confusedofengland Wed 18-Sep-13 20:25:52

Actually spent £18.70 in Tesco, but for that got lots of reduced fruit, veg & bakery bits as well as the stuff I'd planned. Costa was only £1.50 as I used £1.50 worth of points from my loyalty card smile

Lineup we are in very similar pg situations! How old are your other DC? Mine are 4.9 & 2.5. Definitely treat yourself once a week. Mine used to be Thursday or Friday morning, when I'd go for a swim & then a coffee, which cost no more than £5 altogether. Not doing it atm as devoting every childfree moment to decorating our new house so we can move in asap.

Thingymajigs Wed 18-Sep-13 20:41:32

I'm another one saving for third baby that is due in Feb. Scan on Friday when we might find out the gender but I'm determined not to go mad buying pink or blue clothes. Trying to save for our house move in 3 weeks time. So much going on.
DP can borrow a van for the move and will ask friends to help which will save us quite a lot. I'm building up a stack of boxes from various shops and I found some bubble wrap and box tape in Poundland so hopefully this will be a cheap move.

confusedofengland Wed 18-Sep-13 21:03:04

Thingy how funny! There must be something in the water wink And you are moving house, too - we have bought a new house recently & will be moving in once we've done it up hopefully before baby arrives We moved ourselves & DH found a firm that hired out a Luton (small lorry with lift thingy on back) for £70 per day. If you are in Essex I can give you their number, a lot easier if you have loads to move

claretandamberforever Wed 18-Sep-13 21:45:42

NSD for me today and also found out we're getting a 1% pay-rise from 1st October which is only about £9 a month after tax but better than nothing. I have an interview next Tuesday for a better paid job and a manager's job has also been advertised where I work now, so I have applied for that too. DH has also got a payrise too which is £155 a month after tax (better than mine) so I will try and put that away and try not to get used to it so that when the interest rates go up we have a bit of breathing space.

Heating went on today in the house, just to give the boiler a test run as we turned the heating off in April when we discovered we had a £642 debit balance. Balance is now at £148 which is a lot less distressing but I'd hoped to keep the heating off for as long as possible. My payments were £191 a month but they've only reduced them to £166 which is still more than I'd like to be paying.

Moneysaving things I did today: took leftovers in for lunch (Tuna Pasta Bake)

Fluffycloudland77 Wed 18-Sep-13 21:54:13

There was a woman on money saving experts pay your mortgage off threads who put all her pay rises onto her mortgage and paid it off in record time.

£15 washing line & £10 petrol. Tomorrow should be a NSD.

lineup Thu 19-Sep-13 01:43:46

congrats on 3rd baby Thingy!

Confused - there'll be just under 5 yr gap between DC2 and DC3. DC1 will be 6. (I fell asleep today after I put kids to bed at 7pm, so I'm wide awake now craving poached eggs on toast/fried eggs on toast & a mug of tea...Only 5 hrs left until I can get up though)

Debating whether to drive to shopping centre tomorrow after dropping off kids. Need out & about!!! Also need another indoor clothes airer/dryer from Argos & a general walk around looking at pretty things!!

Thingymajigs Thu 19-Sep-13 07:09:25

Thanks lineup. smile
Thanks for the offer confused, unfortunately though we are in the East Midlands. Hope the house renovation and move goes smoothly for you.
Good luck with the interview next week clare.

confusedofengland Thu 19-Sep-13 07:36:05

lineup both Sainsbury & Tesco were last week doing 3 tier clothes airers for about £15

prettymess Thu 19-Sep-13 12:06:22

My mum's rich aunt always told me that the way she made her money was to live off the old wage, and save any pay rises. She used her savings to buy plots of land, which she then sold when their value went up massively (in 70s this was!).

It's a fine idea if the cost of living doesn't go up a lot too and a pay rise is much needed to live comfortably.

takeaway2 Thu 19-Sep-13 12:49:14

well we are hoping that in the term that DD turns 3 and gets the 15 hours free at nursery, we will be able to save significant amount of money and that will go into a savings pot that will help pay for our renovations of the kitchen etc!!

roguepixie Thu 19-Sep-13 17:14:22

Yesterday was very spendy. DH decided that he needed an iPad Mini to enable him to do demo's for work - so I got sent out to buy one...that's £529.00 plus £35.00 for the smart cover - it may be that he can expense it but I am sure it will get a lot of use if not.

Today was £135.00 food shop - that does include meat for the week and all fruit, veg and snacks for DS (who can't seem to live without some form of snacky thing on the way home) smile.

Think the home/contents insurance is due soon so will have a scout around for a good deal.

DS managed to lose his pencil case yesterday and it has not been handed in today so I need to replace that plus pens and pencils - trip to BX tomorrow then. Also need to do a Costco trip - toilet rolls, kitchen rolls etc etc etc so may do that tomorrow too.

confusedofengland Thu 19-Sep-13 18:24:24

Ooh, an Ipad rogue very posh! We've only ever had an iPod Nano between DH & me & even then we never used it grin It ought to be expensable/tax deductible, I'm sure.

Love the idea of saving any pay rise you get. DH's wage, when it goes up, usually goes up by around by £100/week before tax, but we usually manage to spend it all! It's a bit like a ladies' handbag, I think - you always reach its limits, however big or small it is.

NSD today smile apart from lunch money for DS1, which I don't think counts as it's unavoidable. Also got another £3 for selling something on FB selling page.

Second try at Book Group tonight, see what I think of it. I have only read part of one of the books, plus all the other ladies who made up the membership were about 20 years older than me & know each other from way back when, but I'm trying not to be put off by that. Am taking a box of Fabulous Bakin' Boys mini choc chip muffins that only cost 30p for 12 as they were reduced. Will decant them into a tub so nobody sees the yellow sticker grin

CremeEggThief Thu 19-Sep-13 20:05:46

NSD 3 of the week smile.

claretandamberforever Thu 19-Sep-13 20:12:32

I think I spent just short of £6 in Morrisons today but I bought some things for packed lunches and breakfasts enough for 3 days so not too bad.

I am going to put the payrise to one side and try not to get used to it because DS1 has just announced to me today, in parents evening, that he wants to do a degree course at Loughborough University which will mean him moving away. This was the first I had heard of it!! He had vaguely mentioned Leeds University which meant he could stay living at home and I harboured the fanciful notion that he might even get a job and pay some board money laughs hysterically but now it looks like that's been blown out of the water and we'll have to support him! The chuffing course is a 4 year one too with a sandwich year....then when it stops there's the possibility that it'll start all over again with DS2

throws self to floor and weeps

Fluffycloudland77 Thu 19-Sep-13 20:26:46

£6 on contact lens fluid.

ilovepicnmix Thu 19-Sep-13 21:44:26

£10 on lunch out today with a colleague. My turn to pay but that got us yummy grilled chicken, nan, salads, drinks and a tip at a Kurdish place! Bargain.

AdoraBell Fri 20-Sep-13 02:48:47

NSDs for me, Tuesday, yesterday and Today. OH went into town to clear his office out, gave a load of things we have no space or need for to the building security guard, they don't earn much here, and noticed a café open. Nothing else was, but he decided he wanted to go out, so we went to the cinema. Didn't see How much he paíd but I reckon about £20-25. I can see I'm going to have knock him out to stop him spending. And steal his car keys.

I don't need to Get anything úntil next week, but the week after I have to pay Two lot's of Pilates. I thought about dropping it but they said I can pay later and it's keeping me sane ATM.

Rogue hope you can write that iPad off to tax or expenses <possibly projecting, slightly, maybe>

Just remembered DD1 is going out with a friend Tomorrow, she'll need a little bit of cash.

Claret stepson decided half way through his first year that he'd made a mistake and needed to change. He didn't tell us the new course was 4 years. We paíd his acomodación for that time which was not an issue, but we weren't expecting 5 year's worth.

Confused hope the book club goes well, what yellow sticker?confusedwink

Helenagrace Fri 20-Sep-13 09:50:27

Been away with work. Not very many NSDs hmm. Don't know if I told you I got the job so goodbye zero hours collegegrin.

I started the new job this week. DH has insisted I get a cleaner but my pay rise is three times what the cleaner costs so we're still up. The most important thing was to ditch the college.

Right will go back through the thread and catch up with all your news!

roguepixie Fri 20-Sep-13 13:22:39

Adora, the idea is/was to expense it - it will then 'belong' to work...<<<maniacal laugh>>> however, the chance of DH actually doing that is remote - he will find some reason to justify keeping it <<<crosses arms and taps foot whilst glaring at DH>>> smile

confused, we do have quite a lot of Apple stuff. Weirdly DH will not countenance having an iPhone???? Very strange as we have 2 x iPod Touch(es) (Gen2 and Gen5), an iPad and an original iPod. Can't fathom why he is so against the iPhone...he is weird grin.

claret, the best laid plans of mice and men ... will get blown out of the water by the plans of our children. My DS is 13 and I dread finding out what hideous cost will be laid at our feet when he goes on to Uni. The upside have a DS that actually wants to continue his education and is prepared to study for 4 years for it <<<desperately trying to find another upside>>> smile.

Well done to everyone who has managed NSD's and LSD's. This week they are an endangered event in my house...after £135.00 on groceries yesterday I spent another £40.00 today!!! On stuff I had forgotten. I despair. Also £7.95 on a prescription and another £32.50 on a sinus rinse kit...I know...bleurgh <boak>. Dr said I had to do it as I have an inner ear/eustachion tube infection that needs to be cleared...yuk.

Congrats on starting your new job helena and am slightly envy of your DH insisting on a cleaner smile. Good for you, glad you are still up on your money in column.

lineup Fri 20-Sep-13 15:18:02

oh pants
Had to get out of the house yest, so instead of buying the clothes airer i spent a tenner ona massive candle (pregnancy nesting hormones right?), then a fiver on a starbuck bacon sarnie, then 6 quid inT k maxx on a hello kitty First Piano book for DD Xmas. She will LOVE it.

then today ws planning a NSD, have prepared a slow cooker beef curry for tea then this afternoon picked up 4 lovely pieces of haddock for a tenner for another pregnancy craving FISH & CHIPS homemade later, so will have the curry tomorrow. Needed potatoes and milk so that was another fiver.

have had to ask DH for more cash to last until end of next week. We have separatea accounts, where i manage all food shopping & money for my own bits and pieces, anything else comes out of his acct. We used to have a joint account but not sure if this worked well, as I knew there was enough in it, so i just spent more. This way, we actually both use a spreadsheet where extra money is there but is put towards his debts (I dont have CC debt) and savings.

but just think i need to budget better. but what to do? sOmetimes a pregnant woman needs to go with ger food cravings!

Fluffycloudland77 Fri 20-Sep-13 16:48:04

I reckon degrees could be read in 2 years, when you count up the long holidays its only 2 years study anyway. My course was clinical so I was in 5 days a week 09.15 to 16.45 every day. Some academic courses were 15 hours a week with a lot of reading around expected.

£6 on port for dh as a present.

Free bodyshop hand cream with the vouchercode app.

Half of the cats dental op fund saved smile I'm sure he would be delighted if he understood.

Well done Helena, I was hoping you'd get out of that zero hours contract. I'd like to see them banned.

claretandamberforever Fri 20-Sep-13 18:16:03

£1 so far today on a shop-bought sandwich as I didn't have anything sandwich worthy in the fridge. £1 isn't bad though is it? Cheese & onion Mmmm food of the gods.

Do need to get petrol though but only enough til pay day so another £30 worth. Also need to go to the supermarket to get next week's sandwich stuff and do an online shop to last til the end of the month this evening.

I have a job interview on Tuesday and it's been 10 months since I've had to wear my own work clothes (uniform) and I've gained almost 2st in weight (yes 2st in 10m) since then so discovered today almost nothing fits anymore. I have a black jersey mock-wrap dress which I was planning to wear but DS1 told me I look like I'm going to a funeral, so I'm going to go shopping tonight to either but some colourful loud accessories or else some patterned tights. Anyway - at least it'll cost me less than a new outfit.

Thanks for the nice words about DS1, I guess I am very lucky. I'm frustrated because although we have 2 incomes coming in, they're not massive, and we have credit cards etc, but to all intents and purposes for grants, loans etc... it looks like we've got a good income but when it comes to reality there's not much spare money. The loan he would get wouldn't even cover a year in halls of residence but I guess things like that wouldn't occur to him. He's only in Year 12 anyway so things may change yet.

Hope you all have a nice weekend x

confusedofengland Fri 20-Sep-13 18:35:38

£1.90 for DS1 school dinner, then £3.60 in Farm Foods for milk & pork chops for dinner.

Claret if you look in charity shops (or even a car boot sale on Sunday?) you may well find a whole 'new' outfit for less than a tenner. Otherwise, a colourful scarf or patterned tights is a great idea, or maybe some bright costume jewellery. Good luck, anyway.

Helena congrats on starting your new job, I hope it goes on as well as it has started

Lineup you need lists! I'm quite lucky in that my pg cravings are fairly cheap & easy to satisfy - orange juice, chocolate (Tesco Value for 30p is fine) & avocados grin

AdoraBell Fri 20-Sep-13 19:21:02

Congrats Helena, fab that you are still up even after paying a cleaner.

I gave DD1 about £7 and have just broken the cooker. Melted a ring to be precise, I can only think the gas wasn't flowing evenly and it over heated while I nipped to the bathroom. I have no idea if we'll be able to Get a replacement part, have to Go to the importer next week and ask. The rest of the rings are useable.

Lineup pregnancy hormones are responsable for so much wink

Fluffy glad you've made some savings. Interesting what you said about your course. Here in Chile students usually gradúate at age 28, and most can be seen out on the montaña bikes all weekend and most week days too.

Fluffycloudland77 Fri 20-Sep-13 19:30:36

28? Do they all graduate with PhD's?

puffylovett Fri 20-Sep-13 19:31:49

Hello, can I join? Is it too late?

We have about 6k debt, bills looming and are brassic.. We are trying really hard to stick to budget but its been a tough week.
I've just meal planned and spent £86 in aldi, got a few top up bits about £5 to get from tesco. If we can keep our spends to £100 ow ish we should be able to start paying down more debt.

Am dreading Xmas. And it's ds2s birthday in 2 weeks and I so desperately wanted to have a
Party for him sad

AdoraBell Fri 20-Sep-13 19:59:10

Welcome aboard puffylovat.

Fluffy I don't think they all do, it's mainly a cultural thing. Parents are responsable for the DCs úntil 28, unless they are married before then. It's still not comon to move out before getting married or remain shock un married after 28.

Fluffycloudland77 Fri 20-Sep-13 20:12:41

Fuck me, 28?.

Welcome puffy. What kind of party did you want to throw for him?

takeaway2 Fri 20-Sep-13 20:18:38

Claret - a nice jacket or cardi might brighten up the black dress? A colleague wore all black and a grey jacket and it looked great.

Spent about £20 yesterday including new pjs for DS from sainsburys. Today spent £7 on coffee and cake at carluccios after a speedy look around fenwick for clothes. I will head back there tomorrow without the children and hopefully get some nice additions to the wardrobe. I know not very frugal but I'm hoping that if I add some nice pieces every season I will be able to be happy with my clothes eventually.

I've recently thrown out perfectly good clothes but which ride up my belly (so no good to me!). After dc2 who is 3 year old, I've never been able to lose my jelly belly. So I need tops or tunics or things that will cover my belly without me having to pull it down all the time. Yes I could do exercise but I seriously have not much time beyond walking DS to school a couple of times a week (if I don't need the car for work or any other reason). I guess I need to tone as I'm a size 8... Just with a wobbly belly. shock

Spent possibly £5 at the gym with the kids buying snacks. I did bring snacks but I was fine with the snack purchases as it somehow fed 4 kids! (Had friend's kids as well).

Have a good weekend everyone!!

iheartshoes Fri 20-Sep-13 20:49:28

Hi everyone . Just wanted to ask for a few tips please ! Currently a sahm with 5 mo DD , hoping not to have to go back to work. However I am dreadful with money. A lot of the time I find it very difficult being on my own in the flat with DD so tend to take her out a lot - meet friends for lunch or coffee usually. However this all adds up. What are some nice ideas for getting out and about with a LO and not spending money. I find going for walks etc a bit depressing around where we live so 9 times out of ten find it easier to pop in to town and end up spending.... Help !!

ilovepicnmix Fri 20-Sep-13 20:56:21

Welcome puffy!

£3.65 spend today in milk and, ahem, biscuits. I've got family visiting this weekend so really looking forward to that. I am hoping that my DS decides to take his first step while his great granny is here. He is so close so maybe.

ilovepicnmix Fri 20-Sep-13 21:04:51

Evening iheartshoes. It is hard not to spend loads isn't it? I have a 14 month and work part time. With winter coming I'm racking my brain as picnics in the park are no longer an option. Do you live somewhere that has baby groups? My local children's centre do 'stay and play' and sessions like that are free or a tiny fee. My nearest soft play is £1 for non walkers and hot drinks aren't expensive. Maybe not an option for a while but local library? Mine has a children's area with a table and crayons. I plan to take my DS just for a change of scenery in the winter.

confusedofengland Fri 20-Sep-13 21:13:02

iheartshoes you could maybe limit it to just coffees rather than lunches & be canny about it? You can get loyalty cards for Costa, Starbucks, Nero, Debenhams etc & redeem those every once in a while. Also, a while back I bought a £10 Starbucks gift card through Groupon or similar for £5, so look out for deals like that. Alternatively, if your friends have babies too, could you take it in turns to have each other round for coffee/lunch? I had an idyllic first year with DS1 in this way, there was a group of 4 of us that met each week. I still see one of them now pretty much every week, 4 years on smile The others are back at work, but we meet up when we can.

northender Fri 20-Sep-13 21:25:48

Welcome to all the newcomers and welcome back cremeegg
So pleased you got the job Helena and great news about the cleaner envy
Adora sorry to hear about your dp's job. You definitely need control of his wallet!
I've had a rubbish week and am just trying to keep focussed. £70 for dd's drama classes, £70 for dh at the dentist (private dentist, extortionate fees) on top of all the usual expenditure. Death of the overdraft at the end of October now looks unlikely but we won't be too far off if we don't get any other unexpected bills between now and then.
On the plus side, ds has settled really well at high school and dd's ear seems to be healing well. We go back next Thursday to find out whether the op was successful smile
I'm trying to plan for Christmas by buying bits as I go along. Dd's birthday is at the end of Nov which doesn't help but I've said I'll take her and 2 friends to the circus in Blackpool which I can get with Clubcard vouchers so that's okay.
Have a good weekend everyone.

prettymess Fri 20-Sep-13 21:55:13

Noticed tonight that my shoes are fall

prettymess Fri 20-Sep-13 21:56:00

Oops falling apart, so will need to get a new pair of work shoes sad

iheartshoes Fri 20-Sep-13 22:23:20

confused thank you for the tip re groupon will keep a look out for those. ilovepicnmix I've just looked up local libraries and seen the one near me does a baby sing a long one morning for free so will try that. I want to try and see if I can manage at least 2 NSDs next week. Sometimes it's the days on my own I find hard as well, just spending money for the sake of it really - going out for coffee on own with DD just for something to do etc. there are some good tips on this thread

Ohhelpohnoitsa Fri 20-Sep-13 22:26:42

Iheartshoes... top tip (bit sad but needs must) go on ebay & buy fatdonald's coffee vouchers. going for 3 for £1 at the moment
. I dont say many nice thi gs about that place, but their coffee is nice & ine if iur lical ones has a little soft play in. Its virtually empty in the daytime so great for a change of scene.

Ohhelpohnoitsa Fri 20-Sep-13 22:28:03

sorry - weird auto correct. You get my drift, hopefully.

Ohhelpohnoitsa Fri 20-Sep-13 22:41:47

Do you know what I love since joining these threads? I love that my cupboards are (relatively) empty once a week. DH goes in to panic mode but I reckon I could still scrape a weeks worth of (ok admittedly strange) meals together. I love the feeling of operating a lean system! Tomorrow I will do a kitchen audit and a meal plan & list with as little as possible. I love feeling of control! I used to buy the same things week in week out and chuck stuff away. .. half a bag if lettuce, some veg, half tub of cream etc etc. I feel so much more virtuous now. grin

woodchuck Fri 20-Sep-13 23:02:53

Can I join? I'm battling

woodchuck Fri 20-Sep-13 23:03:29

Can I join? I'm curren

woodchuck Fri 20-Sep-13 23:03:48

Can I join?

woodchuck Fri 20-Sep-13 23:12:43

Bum. My 'puter is obviously playing up. What I was trying to say is that i am currently battling to pay off my post-hol CC. Have also just gone into my overdraft and don't get paid til Wed.
I am very good at meal planning-no waste (grocery shop around £65 p w for 2a 2c and one cat)
I am not sure where I could make any more savings but I'm certainly willing to try.

Today i spent: £1 donation to Jeans for Genes at work, £2.15 on shite small coffee. I wouldn't normally bother but I was doing an outdoor event and it was co-old. £1.10 on parking (will claim back on expenses), £4.50 on a bottle of wine and 60p on a box off marked-down french fancies for the kids (Friday treat, I don't drink during the week)

Tomorrow will not be a NSD as DH is off and has to have his treats, normally some bottles of beer with tea and maybe a bar of galaxy. To be fair, I will buy these with my cashback reward credit card, which I pay off in full, making food and petrol expenses one monthly bill like my other utilities. This bumps up the 'shopping' bill to c.£80 pw. No plans yet for tomorrow, but probably park or walk if sunny, visit grandparents and swim (gym paid upfront) if not.

I would love some hints and tips from those who have already swapped their utilities, used cashback sites, cut down grocery spend. What else is there to strip back?

AdoraBell Sat 21-Sep-13 01:06:11


In addition to getting cheaper coffees, when going out for coffee eat at home before you leave. Then you'll only want the coffee and not the food they offer to empty your pockets go with it.

Fluffy, yep 28. It's odd really, the age of majority is 18 but at places like clubs (sports and country clubs) they list under 28's as DCs on a family membership. And they ate not expected to be able to fend for themsleves before 28.

claretandamberforever Sat 21-Sep-13 12:32:47

Friday night spends...

£24.90 in Home Bargains. More than I wanted to spend but I got lots of pop and breakfast cereal (which is dead expensive in big supermarkets and we get through loads of) and also lots of treat type stuff.
£18.00+ in Tesco. (can't even remember what I bloody bought as lost the receipt and this total is a guesstimate).
£4.50 in Peacocks - couldn't find any fancy tights or accessories that I liked so I've remembered I have a lovely turquoise twin-set type cardigan to wear over the black dress (I always got lots of compliments when I used to wear it due to the colour) and instead bought some thick black tights and a hair donut to wear my hair in a bun.

Am envisaging a low spend day today, only because I have forgotten to buy gravy and butter.

Also topped up DS1's university account with a £10 lotto win (this was paid into our account through the month so I don't know when this was from) so that now stands at £44.15. I'm crap at saving up so this is very good for me.

claretandamberforever Sat 21-Sep-13 12:40:27

So far, running total on groceries has been £290 with probably not very much more food needed over rest of month.

I'm going to keep a running total on spends as well because I've had a chat with DH and told him I don't think a joint account for spends is working so we've agreed to split the surplus which is £190 each. This will then leave me £710 to fund food, petrol, kids activities and 'everything else'. I don't spend much personal money so hopefully I will be able to build up a little surplus. I'm quite excited about it.

claretandamberforever Sat 21-Sep-13 12:41:55

Woodchuck - do you keep a spending diary? Sometimes it is the little things you forget about that soon add up over a month.

Fluffycloudland77 Sat 21-Sep-13 17:15:13

£35 at the vets for a sore paw. That includes antibiotics, they wanted him to have a cone but I said no to that. I painted his paw fur with lavender oil when I got back instead which will keep him away from it.

It's not an orthodox way of doing it but if you do it lightly you don't poison the cat.

I was having a lovely no spend day too, just me, my pounding headache and my tight chest.

confusedofengland Sat 21-Sep-13 17:30:18

Fluffy that doesn't sound too good for you or the cat sad Hope you both recover soon.

Claret am impressed that you have a university fund for your DC at all. My DS1 (4.9) only has the £250 (plus interest) that was given to him in his Child Trust Fund & poor DS2 (2.5) has nothing. We find it all disappears day to day, so admire anyone who can save for the future, however near that is.

Woodchuck welcome smile I would say next thing to do is declutter everything & sell anything you don't need. It's surprising how £1/50p here or there adds up. Also maybe take another look at luxuries such as coffees out, gym membership - use loyalty cards/buy a naice coffee machine for home or get an exercise bike/dvd for home etc.

ohhelp know what you mean about feeling virtuous. It's nice to feel somewhat in control, isn't it grin

Spent a bit today - £6 for unlimited rides at small fair for DS1 (he had 8 rides, so good value for money), £27 on pub lunch, £7 on coffees, £2 on entry + 5 books at table top sale. But was a lovely day with friends & nice to do something different with DC. Also managed to watch a few Nectar ads & do a Nectar Canvass survey so building up Nectar points.

Anticipate LSD tomorrow, just have to keep DC occupied while DH round working on new house, so will probably head to Tesco & have Costa in the cafe there.

Going to put a few bits & pieces on Gumtree later or tomorrow, things that aren't selling on FB local baby page.

Fluffycloudland77 Sat 21-Sep-13 18:10:54

How do you do the nectar points thing with the ads? I've never seen it advertised.

cozietoesie Sat 21-Sep-13 18:26:00

Check your emails, Fluffy. There should be a Nectar invite there if you're a member.

cozietoesie Sat 21-Sep-13 18:29:23

Or have a look here. And then log in.

Sorry - I was being lazy.

Fluffycloudland77 Sat 21-Sep-13 18:37:27

Thanks Cozie, I un subscribed from lots of emails so I wasn't tempted to spend!.

This obviously has a downside. I just have to remember my login smile

lineup Sat 21-Sep-13 20:40:24

NSD!! slept lots, i did the get up early shift with the kids 7am - 10am to let an overtired DH sleep in...then i went back to bed and he took the kids for a long bike ride. then i went for a lovely FREE beach walk

then home & cooked the homemade fish & chips! was delish, would have paid 30quid easily for it from a takeaway right?

out tomorrow for a special family lunch, prob spending 60quid

there really is no way around not spending in this life

iheartshoes : def library visits, morning walks with a flask and a supply of biccies and fruit in your buggy, packed lunch, visits to museums/friends houses/ or stay in for a morning, do batch baking, then afternoon walks as above. i remember having to make everything so so simple when DCs were small, simple snacks in the buggy, bottles of water, used library lots for dvds and books and magazines for me, ( I read lots of cookbooks to keep me sane)

ilovepicnmix Sat 21-Sep-13 22:06:34

Typing this from my bed after a busy day! NSD here. Got some food shopping in but I was able to use a gift card again for that so effectively free. I've got family down but not staying with me as my flat is too wee. We had dinner here and im going to their hotel in the morning for a dip in the pool. They'll have my DS so it'll be my first swim without him since he was born. Think I may have forgotten how to swim!!

AdoraBell Sun 22-Sep-13 03:20:25

Fluffy I use lavender oil, mixed with any other oil, on my temples, neck, shoulders and sometimes arms and legs when I'm stressed, it really does help. Hope that sore paw recovers soon and you feel better too. Right now I'm using herbal chill pills because I stubbornly refuse to take what my Dr. wants to prescribe they really help.

Had to buy emergencia sanpro while out Today, and the painkillers where on special offer so I got Those too, about £6. Had to use my CC though as couldn't find my other card. Must Go through my bag Tomorrow.

AdoraBell Sun 22-Sep-13 03:22:52

Hope you enjoy your swim picnmix

takeaway2 Sun 22-Sep-13 08:16:39

Morning! Spent £51 on bras. shock But they are my post bf bras (dd who is 3 today!!!) has been persuaded not to bf anymore. We are on day 3...

Friends bought us brunch which was really nice. Spent maybe £6 on ice creams. About £20 at sainsburys as we put a whole lots of coppers in tht coin star machine and got £5.45 so got that off our shop. smile

So this weeks 'food shop' was only £40 which included a £11 pj set for DS. I'm happy. Will try and eat out that freezer and see how we go.

confusedofengland Sun 22-Sep-13 10:02:19

Happy birthday to takeaway's DD smile

Can I join? Am trying to save for DD's future- she's 4. From 2 to 3, I put away £1 a week for her, but that stopped and I feel bad sad Also, where do you shop at? We are at Tesco, we have £20 a week for food and wonder if it's cheaper to spend £2 on the bus to go to Aldi, Lidl or Asda in town?

AdoraBell Sun 22-Sep-13 17:14:30

Welcome Alltwerkandnoplay

Could you put away a smaller amount for DD's future fund úntil things improve? Even just a few pennies so you can feel moré positive? I'm over seas so can't help with the supermarket thing but I'm sure someone better placed will help you.

Happy Birthday to takeaway2's DD cake

Fluffycloudland77 Sun 22-Sep-13 17:31:12

Hello Twerk. I just did a long post and the Internet ate it angry. I shall start again.

I would keep the £2 and shop at tesco but use value range for fruit, veg, frozen stuff, meat and cleaning products but make cake because some value cakes are teeny. I've used value sanitary towels for ages, partly because it annoys me so much that it's a VAT rateable product.

These vegan brownies taste like normal brownies but cost pennies This is good for recipes and storage tips, no point throwing food out after all. Also good. Not tried this one yet.

Happy Birthday to takeaways DD cake

Fluffycloudland77 Sun 22-Sep-13 17:53:16
lineup Sun 22-Sep-13 18:57:18

thanks for those great links, Fluffy.

Pleased with myself that today we popped into a massive shopping centre this afternoona and I managed to spend zero zero zero pounds. Settled with a good look at pretty things in Cath Kidston & Next home and this seemed to be enough for me, I was able to walk away!!! meant a lot to be able to do that - willpower.

15quid on bits and pieces for lunchboxes for the week including a lovely 'cif' floorcleaner for wooden floors which was reduced to 2 quid. Will make house smell lovely

CremeEggThief Sun 22-Sep-13 20:03:41

Happy birthday to the little 'un cake, and welcome all newbies. Hope everyone had a good weekend?

Spendy day out in Whitby yesterday (about £50 altogether, including travel, lunch, dinner and a birthday gift for my mum), but had an NSD today.

confusedofengland Sun 22-Sep-13 20:20:14

Just spent about £12 in Tesco today, on bits & pieces. DH spent £30 in Homebase on a circular saw as if he doesn't have enough tools to fill the store already, anyway

I had a good couple of hours at the new house today packing kitchen stuff away, which I was really please with as I feel quite grotty & coldy. DH has been dividing one of the bigger bedrooms on the middle floor (a good-sized double) into two for the DSes, then they will have the other good-sized double as their playroom & new baby will have the box room. He has also knocked through the two bedrooms upstairs to give us a larger bedroom & ensuite shower room. Exciting stuff smile

Tomorrow will be fairly spendy - 50p toddler group, 50p class money for DS1, £4 football for DS1, at the very least.

Thanks Fluffy and all the links. Adora I think I could, even 50p would at least add up, especially if/when my income improves (and any money I have left over I split so some is saved for emergencies, some goes to her). Never thought I'd be doing this, I didn't think my income could change so much sad

takeaway2 Sun 22-Sep-13 20:43:33

Thank you everyone for birthday greetings!! She really enjoyed herself. We had her party last weekend so today was just cake and dinner with close friends (like family). That was £50. DS went to chess club - first time ever and loved it!! That was £1 but kept him and his father occupied for 2 hours. Not bad for a 5 year old! Oh and filled up the petrol tank - £67. shock

Happy week ahead everyone.

lineup Sun 22-Sep-13 22:02:15

can anyone share how they budget fort he week ahead in terms of doy ou get cash out at start of week or do you only pay by debit card for things, so you dont end up taking out cash AND paying by card?

does that make sense?

I'm going to do an experiment from this week where it's cash only. I'm thinking i may need to change food shopping from a monthly large shop & several small top up shops, to a weekly shop where i have a certain amount of cash ONLY and will see how it works, if it works better

as really, using card then topping up with cash shops just isnt working for me at all, or it hasnt worked this month at all

takeaway2 Sun 22-Sep-13 22:26:05

Lineup - I think it really depends on how you spend and how you treat credit cards.

For us, we pay off our cc bills at the end of each month. We don't owe any on the cards. That means the spend on cards only gets us things like nectar points or store card points (eg John Lewis cards give me a couple of tenners every few months based on my spend or nectar American Express card collects points even if I spend at other places so it makes sense to buy say clothes on cc as every pound I spend gives me a nectar point which I can use to redeem at sainsburys etc).

Having said that... I took out quite a chunk of money a few weeks ago and it's great seeing the money still in my wallet. There are things I pay with cash but the fact that I haven't had to withdraw money every week or every few days has made me feel quite virtuous.

I think using cash gives you control. None of the 'oh another £10 on drinks doesn't matter...' Having said that if you are going to use the stuff (toilet roll or whatever that can last) and its going for cheap then you need to think whether you can spend that money now...

Sorry. Not very helpful! grin

AdoraBell Mon 23-Sep-13 01:45:13

NSD here.

ilovepicnmix Mon 23-Sep-13 06:52:52

Welcome alltwerk.

When I get paid I work out what I've got foe the month, put a little into my isa and then work out my weekly budget. Each week I take out the cash. So this month I have £70 a week. This is pretty difficult as I can use £40 a week petrol but at the mo I have lots of food in my cupboards and freezer, and it's only me and DS, so manageable. I find it easier to have the cash as I can physically count it each day if I want, and finishing a week with even a few quid left feels like a big achievement.

NSD yesterday but only because my visiting family treated me to lunch.

Didn't get a swim as DS was being awkward (think he's teething and he has a bad cough) so it was just getting too complicated to leave him with my rellies. Im hoping for one this morning though so fingers crossed!

roguepixie Mon 23-Sep-13 07:53:04

Happy (belated) birthday to takeaways DD. Glad she had a great day.

Welcome to all newbies and welcome backs to all those returning.

Saturday was a NSD but yesterday was a little spendy as had a "introduction to fairisle knitting the continental way" class - it was wonderful and lovely and I had a great time. The teacher was amazing. Anyway, I had (had to grin) buy some wool ...hmm. DH and DS spent the day together without me being around and had a great time, sans Mum. smile Must do it more often hmm.

Meeting a friend for coffee this morning and ill need to pop into supermarket for bits and pieces but will keep it to a minimum.

Adora, I think I may have missed an entry or two - so sorry about your DH's job. Are job prospects good for him? Having been in this position with my DH a few times (he is an engineer) it is stomach-churningly worrying. Your essential oil treatment sounds lovely - I will give it a try. I always use lavandar oil in baths when DS is ill - it is very kind and soothing and good for helping to reduce scarring (in chicken pox)!!

Someone upthread (sorry, can't find the post now) talked about going out for coffee - I would suggest picking a coffee house and getting their loyalty card - Costa do one that gives your pence per purchase so, over time, you save enough to 'buy' a coffee/tea for free - what I mean is...loyalty to a particular chain then get a freebie every now and again (if you are buying out).

claretandamberforever Mon 23-Sep-13 08:23:00

Ooofft busy busy weekend! I was out of the house for a whole NINE HOURS yesterday watching three football games. This wasn't even following a professional team to an away game, it was three junior games and all the associated trekking about that entailed. Anyway - that made Sunday a NSD.

After I'd written my post on Saturday I had to have a long chat with DH about out money situation. To cut a long story short we have £1000 to spend on food, petrol, and everything else including personal spends and should try to save summat from that. Last month, he withdrew cash and used the debit card to spend £350 which is a third of our available money and more than I had spent on groceries for the whole month, leaving us only £15 available til pay day (I could go into the overdraft so I am not destitute).

Anyway we've decided he can have 50% of our estimated surplus which is £190. I'm pretty frugal so although I have the same amount for myself, and the two DS's I should have plenty left and be able to make savings in groceries etc... I am quite looking forward to not having him plundering our current account, I should be able to start sav