November Numbercrunchers *blows the budgeteering bugle*

(481 Posts)
claretandamberforever Thu 31-Oct-13 19:40:23

In here please.

Feel free to post a daily spending diary, to ask for advice or just for a general money moan.

Ohhelpohnoitsa Thu 31-Oct-13 20:00:13

November number cruncher here, ready & waiting.

Fluffycloudland77 Thu 31-Oct-13 20:02:09

Marking place.

IsisOhIsis Thu 31-Oct-13 20:08:42

I would like to join, please! Needing to do some serious penny pinching

KinkyDorito Thu 31-Oct-13 20:12:36

Joining in a desperate bid for austerity! Having already spent November's money largely on tat, this is my attempt to get a grip.

Looking for ways to enjoy myself that are free!

Also, if anyone knows where to buy cheap renal cat food, I would very much appreciate it.

Fluffycloudland77 Thu 31-Oct-13 20:17:51

Have you asked in the litter tray section? One of the vets might know.

ArtemisatBrauron Thu 31-Oct-13 21:34:01

Hello all!

I have been budgeting like crazy all month, things that have saved us money:
froze every scrap of veg leftover/unused for a month in little boxes in bottom drawer of freezer and made a giant veg soup = free lunch for weeks for DH, and for me on one day a week when I don't get lunch free at work.

cancelled gym subscription and joined the school running club, the leader has taken a personal interest in me and is forcing leading me on more runs than I would normally do and it is free!

sat down with DH and worked out a proper budget for food etc, meal planning and changed all Direct Debits to come out at the same time so we know what is left for the rest of month

as a result we were able to go today and open a savings account with the money we have saved! grin it's a save to buy account so we can't take the money out or touch it at all until we want to buy a house.

AdoraBell Thu 31-Oct-13 21:56:55

Well done on Those savings Artimisa

Making place for November. Hope To start the month on an NSD as it gives me a kind of boost, all just headology reallythlwink

Ohhelpohnoitsa Thu 31-Oct-13 22:26:23

Wow Artemisa, that's the spirit we need to kick start us for November. I haven't heard of the save to buy accounts. What a great idea to get you on the ladder. We were in for a spendy day tomorrow - at least 80 - 100 on family day out at a local theme park. However, ds1 has been sick a million times since 4pm so I think me & him will be hibernating and will send the others out to see granny. Therefore potentially a nsd.

comewinewithmoi Thu 31-Oct-13 22:29:38

Can I join? Grip needed. Have started also shopping .. Fan bloody tactic.

Ohhelpohnoitsa Thu 31-Oct-13 22:33:22

Will also be a very good opportunity for me to do expenditure spreadsheet annual update , comparison checks and ring various housey finance admin type people. I have already decided to keep this phone when my contract ends and go to a sim only plan. Any advice very much welcome as according to the monitor website someone pointed me to, I am "a mobile phone addict". I have been on contract for ever. Having spent about £700 this year on mobile bills I have decided it is ridiculous. I will downgrade, keep this phone and buy an ipad with the savings. In theory anyway!

Pumpkintopf Thu 31-Oct-13 22:36:35

Joining please. Need to tighten belts this month....

Ohhelpohnoitsa Thu 31-Oct-13 22:48:38

Those batty people on supercrimpers would tell us to go and collect all the pumpkins off peoples' drives tonight and make pumpkin soup, pie, roast, pasta etc etc etc.

IsisOhIsis Thu 31-Oct-13 23:08:08

Silly question but is NSD No Spend Day? [Blush]

Well done artesmia, good tip about freezing the veg, too. I'm terrible for having to throw things out because they've gone mouldy sad determined to stop

TinyDiamond Thu 31-Oct-13 23:20:49

hello again I haven't seen you all since April/May time and I really need a kick to get spending back under control again. It was my bday this month so I blew lots of cash frivolously. But I've had my treats now so time to be sensible again. I am aiming for 12 nsds.

AdoraBell Fri 01-Nov-13 02:47:33

Yep, No Spend Day.

Welcome To all newbies, everyone is welcome on herethlgrin

claretandamberforever Fri 01-Nov-13 08:34:36

Welcome to all the newbies and returnees

I've never heard of save to buy accounts - good luck on that front. I am not often in the right place at the right time but I do thank my lucky stars that we got on the housing ladder while it was still affordable. Only 16.5 years left of mortgage now so I'll be 55 when it's paid off. Still have another 5 years of loans to pay off, but my grand plan is that if / when the 5 years are up, I will overpay the mortgage each month to the value of the loan and see if I can knock a few years off.

So, my month started yesterday and my budget for the month is like this:

Petrol: £255 / £00.00 spent / £350 remaining
Groceries: £350 / £10.56 spent / £339.44 remaining
Everything else £482.12 / £47.50 spent / £434.62 remaining
Kid expenses: £169 / £5.20 spent / £163.80 remaining

My everything else budget is twice the size it normally is though and most of it will be swallowed up by my MOT anyway sob

ArtemisatBrauron Fri 01-Nov-13 08:37:35

Good name Isis! I just keep 2/3 special tupperware in the freezer and chuck any veg leftover at meals or that looks like it will go off before we use it in there.
It's good to separate red and green though, unless you like brown sludge soup, so I tend to have broccoli/celery etc in one tub and carrots, tomatoes, squash in another. Potatoes and parsnips can go in both and add creaminess when blended.

The top tip I have is to freeze any salad leaves from bags of salad that won't get used before they go off - they blend into any soup, adding vitamins without changing the flavour, we haven't wasted salad once since I realised this!

ArtemisatBrauron Fri 01-Nov-13 08:41:28

The save to buy account is great - a fairly good interest rate for these terrible days when 2.5% is "good" hmm and it's locked in there until we decide we have enough of a deposit and ask for a mortgage, so we can't dip into it at all. That's scary, because we are literally putting every spare penny in there and it will (hopefully) build up quite quickly.
But we really, really want to have our own home so it'll be worth it.

I;ve set up a standing order to go in at the beginning of each month and then I intend to put any surplus (ha!) in at the end. DH is paying in much less as he is clearing credit card debt too - hopefully when he sorts himself out then he can match my payments.

We've done something quite radical for us and agreed on no Christmas presents at all, we don't need anything, and we will spend some money on a nice tree, food, wine etc and have a lovely day planned out.

GinGinGin Fri 01-Nov-13 08:43:16

Ooh can I join please?

I've done the sums for this month & after all bills/mortgage/fuel I have approx £280 left for food & toddler groups. We have a few birthdays coming up this month but I intend to just bake cakes instead of giving presents. Cards bought from Card Factory last month on their "5 for £1" promotion. We shop in lidl. Do-able yes?

itsonlysubterfuge Fri 01-Nov-13 08:44:59

Hello Everyone

Husband and I decided we were going to spend as little as possible in November since I bought DD too many all her Christmas presents. It's not a need, more like a challenge.

My husband is attempting to drive more fuel savvy and I'm going to try and stretch the food budget. We got a letter in the post from Tesco that if we spend £90 a week in groceries we get a £45 off voucher for December which will make it harder to spend less confused. Hopefully I'll be able to buy some things for the pantry/freezer that will last until Christmas so I can buy less in December.

My major weekness is books, may have to unsubscribe to the Book People for the month of November grin. Also my DD has learned to say please when she wants something, how do I resist such a cute face?

So on NSD, do you just not spend any money on anything? What about heating/electricity, or do those things not count?

prettymess Fri 01-Nov-13 10:12:27

Marking my place. Did quite badly last month with £300 overspend.

Food is still the worst thing. It works out at £7.12 a person a day. Need to get that down drastically.

KinkyDorito Fri 01-Nov-13 11:19:45

its ah, yes - the temptress Tesco. I spend a bomb in there and would be due my £45 several times over, but I am going to try and ignore it and start meal planning.

fluffy have asked in the litter tray, but not holding my breath. The cheapest I've managed to source it is £38 which lasts 12 days. Sob.

northender Fri 01-Nov-13 11:35:09

Marking my spot. Will post properly later

claretandamberforever Fri 01-Nov-13 11:45:07

Subterfuege - I class anything that would have to come out of my 'everything else' budget as a spend. Otherwise I would never have a NSD because I have direct debits or kids activities everyday. So anything that isn't groceries, DD, petrol or kids planned activities. it's up to you though - there are no rules

prettymess Fri 01-Nov-13 11:55:56

As everyone always goes on about it, I didn't automatically renew our home insurance when the quote came this morning. I went and compared! I went with a different provider and the same amount of cover: £220 saved! Whoa!

Going to do the same with car insurance next month!

prettymess Fri 01-Nov-13 11:56:43

I also paid in a lump sum so no ongoing cost during the year.

itsonlysubterfuge Fri 01-Nov-13 11:59:53

We got a letter about renewing our car insurance, found I could get it cheaper, called up to cancel, and my current insurance provider matched the new price, so I didn't have to deal with the hassle of switching and got it cheaper than they were quoting!

TheBitchesOfWeestick Fri 01-Nov-13 12:17:01

<slinks back in>

The less said about October, the better hmm

Fluffycloudland77 Fri 01-Nov-13 13:06:51

Don't forget to go via topcashback for insurances.

KinkyDorito Fri 01-Nov-13 15:18:41

TheBitches I know that feeling... It was a shame that November's money happened in October. It's going to make for an interesting month ahead. Damn Amazon and it's wily temptations.

MrsWolowitz Fri 01-Nov-13 15:24:37

Can I join?

I've got £80 to last 2 weeks shock

Got an appointment at the bank next week to go through accounts and direct debits etc and phoned Sky last night to cancel but got a brilliant deal from them saving £25 a month so I'm really pleased with that as I didn't really want to leave them as I get everything from them, broadband, phone and TV.

I cancelled a charity subscription (which I feel terrible about), my laptop insurance and the cat's pet insurance but I'm regretting that one. Think I might re-instate it.

Fluffycloudland77 Fri 01-Nov-13 15:59:03

I'd reinstate the cat insurance or get a cheaper provider. You never know what trouble they are going to get themselves into.

itsonlysubterfuge instead of tesco could you use lidl or aldi? I halved my shopping bill when I started using Aldi 3 years ago. Lets say a £90 shop cost you £60 in aldi, you'd save £120 compared to Tesco in November. Which kinda makes £45 look a bit, well, paltry. Plus Aldi stollen is the dogs naughty bits & much cheaper than supermarket stollen. Not lidl stollen though.

Anyhow, NSD here plus I've invoiced for overdue work. I was a bit skint after moving so I couldn't afford a toner cartridge until one came up on eBay. I'm all up to date now, thank heavens.

CremeEggThief Fri 01-Nov-13 16:08:12

Found you all! smile

Just marking my place in the shiny new thread, as we're having a spendy few days in London until Sunday.

TheBitchesOfWeestick Fri 01-Nov-13 16:57:07

MrsW definitely reinstate pet insurance. My old boy (RIP) cost us thousands in the last few years of his life, but we were able to claim quite a chunk of it back. I would have cried even more if we'd been so much out of pocket for good.

So, using a bit of PMA headology on myself: using the car so much less since DS started school is definitely saving us money - we didn't even get through a full tank of diesel last month. The extra insulation measures DH has put in place (chimney sheep, back door lining) are making a good difference to our drafty terrace house. And I will hopefully be bringing in a bit of money from this month should be doing some work right now actually, tsk tsk.

I'm going to trial a new housekeeping method this month, see if it makes a difference. We've agreed a food budget of £100 a week, so each week I will withdraw that amount in cash and go to Lidl with the aim of spending as much under that as possible. Anything left goes into an envelope as that week's housekeeping money, and if we want extras like wine etc. we buy them out of that. Any cash left in the envelope at the end of the month goes into savings.

I did last week's shop adding everything up on my phone as I went round and it helped to curb any impulse buys, so I'm hoping that the physical presence of cash will be another curb. It's too easy to spend invisible money on a debit card.

ArtemisatBrauron Fri 01-Nov-13 18:13:59

Had a spendy day - it's the last 2 days off work until 14th Dec for me, so I am getting stuff done around the house, stockpiling tea/coffee/soya milk etc so I don't run out in the next 2-3 weeks.

I also bought a wicker hamper from a charity shop and plan to buy 1-2 items for Christmas period each week and put them in, long-lasting things like nice chocolate, christmas pudding, crackers etc, then in the week of Christmas I'll buy the fresh stuff. DH and I are going to make the hamper a yearly tradition and start filling it earlier in the year with chutneys, jams etc.

ilovepicnmix Fri 01-Nov-13 19:13:53

Welcome new and fellow frugaleers!

Today I spent £3 odd in b&m on tuna, coconut milk, packet of sweets and a can on pop.

Should be a relatively cheap weekend and I might even spend some of my birthday vouchers. This last six months I have realised that I really don't need new clothes very frequently. Now I have vouchers I don't know what to get! I could do with a few tops for work but I might save the rest till spring. Check me out smile

Oh! I discovered today that I have been overpaying nursery (yippee) so this month I can pay £50 less than I have been and my direct debit will always be £20 less each month. A very pleasant mistake to discover.

prettymess Fri 01-Nov-13 19:40:53

Also going to cancel my Weight Watchers monthly pass. I've lost three stone with it and I know what to do, how it works and got all the tools. The meetings are great, but I hardly ever get to go now because of work. I can always pay as I go. Anyway, saving for that is: £257.40 a year. I'm at nearly £500 saved in one day.

We are very careful with phones, both landline and mobiles. We track our use and DH and I have sim only contracts of £7 a month. We try to stick within our data/mins/text allowances and rarely go over the £7. Voicemail is where any spend tends to go.

I had a Waitrose delivery today and the bloke told me that if I order (within the next month I think) on Mon, Tue or Wed I will get a £10 John Lewis voucher every time. Seems to be in addition to other vouchers they've been advertising about festive shops.

AdoraBell Fri 01-Nov-13 21:05:09

DH spent about 10 pounds on meat and offal for the dogs.

I haven't spent anything. See, all headology but it makes me feel better, so I'm sticking to it.

Thatsinteresting Fri 01-Nov-13 21:25:23

Hello All. One more week until payday when November begins for us. I've checked our account and both the new and old energy suppliers have collected a DD so I need to ring the old supplier tomorrow to find out why and we really will be limping to payday. Thankfully I only need some milk and fruit so we'll be ok but I can't justify any extras.

MrsW Please get insurance for your cat. We spent thousands on our pet as we just wanted her well. It cost us a lot even with insurance but without it we would have had no choice but to have her put down which would have been devastating.

Oh help Look at Giffgaff. We don't use our phones as much as you but they have some good deals. My dh only spends £5 a month as that gives him 300 texts and 60mins but for every minute someone calls him he gets a free minute so he never runs out. He also gets some data but his phone is so old it doesn't even have colour so he can't use it.

Fluffycloudland77 Sat 02-Nov-13 17:29:53

£30 on a dog bed for the cat. He's too big for a cat bed.

£2 given to the charity collector on the door at pets at home.

£60 cashback came through so I can hopefully order my spin dryer soon.

KinkyDorito Sat 02-Nov-13 17:36:36

NSD. I think this is the first Saturday I've managed to not spend money EVER. <polishes halo>

ilovepicnmix Sat 02-Nov-13 18:45:56

I've spent a fortune today. Just short of £50 in sainbury's, £26 in asda, £2.49 in Wilkinsons and £25 on petrol. I do feel like I got quite a lot though including sleeping bag and vests for DS, some wee stocking fillers, big tub of chocs and a fair bit of meat. I finally managed to defrost my freezer so tomorrow I'm making soup and curry. DS is with his dad tonight so it's pizza and picnmix for me tonight!

Badvoc Sat 02-Nov-13 19:27:28

Ok.
All Xmas gifts bought.
Panto trips, school trips paid for.
Just car tax and mot in dec (ouch)
Tumble dryer just broke but it's under warranty thank god.
Does anyone know if you can cancel a monthly NHS pre payment cert?
I took one out 3 months ago but have now been taken off the meds....what can I do?
Am planning on baking tomorrow.
Have drawn out ds1s dinner money for the month.
Anyone have any tips for slow cooker recipes? I have one -- but have never used it-- blush

MrsWolowitz Sat 02-Nov-13 19:42:03

I spent £10 on fuel and £1.60 on my lunch. (I didn't have anything I could take in at home).

Fluffycloudland77 Sat 02-Nov-13 19:47:04

Badvoc, speak to your pharmacist. They'll know.

Badvoc Sat 02-Nov-13 19:53:09

Thanks fluffy I will.
Mrsw...hope things pick up for you this month x
I am hoping to do lots of Xmas baking, making paper chains, mince pies etc once the kids break up from school for Xmas. I already have the chains, the gingerbread house (ikea, what a bargain!) so it shouldn't cost much.

MrsWOLF1 Sat 02-Nov-13 22:40:04

Badvoc yes you can I did it a year ago when I was taken off meds back on them now so started a new monthly dd and got my new card

AdoraBell Sun 03-Nov-13 00:06:02

MrsW don't feel bad about cancelling the charity DD. It makes so sense To give what you can't afford and I'm sure you will Go back To supporting them when you can afford To again. And YY To reínstating the cat's insurance.

NSD here, currently just a tad peed off so will catch up properly later. Nothing major, don't worrysmile.

hannahem Sun 03-Nov-13 07:48:32

Hi, I'm joining in too! Have been lurking for ages but have a serious need to budget as it I've found out I'm at risk of redundancy sad. We need to seriously save some money as we've slipped badly over the last few months. On the plus side I have bought a lot of Christmas presents already having avidly followed the Christmas bargain threads!

So far the weekend has been quite cheap, today will be a NSD but tomorrow is bound to be spendthrift as the car is going in for its MOT.

Fluffycloudland77 Sun 03-Nov-13 07:53:26

I knew we had lurkers.

I just need some Poundworld litter trays today & maybe petrol.

Badvoc there's a thread in food from ages ago about slow cookers. I'll have a look for you. I love my slow cooker. I cook joints & whole chickens in it, not that I tell dh that because apparently slow cooked chicken tastes funny hmm.

Fluffycloudland77 Sun 03-Nov-13 07:59:29

www.mumsnet.com/Talk/food/a1453155-Two-meals-slow-cooked-so-far-Two-piles-of-inedible-slop

There you go, I think the trick is to season well & not have it on for too long, I think modern ones are hotter than the original slow cookers were.

A ham hock/shank, stew veg & a cup or so of red lentils makes a lovely stew in mine but its a 3.5l one.

Helenagrace Sun 03-Nov-13 08:34:59

Hi everyone! Been away and been spending BUT I have been spending well.

Two Kindle Fires for main Christmas presents - £40 of free Argos vouchers with those so that's over half of DS' January birthday present sorted.

Also got three presents in the 3 for 2 WHSmith deal AND they let me use the £5 off a £15 spend voucher so got £30 of presents for £17.

Going to do a shop in Lidl to see how I get on. Aldi is a 16 mile round trip but Lidl is a mile away. Any recommendations?

Badvoc Sun 03-Nov-13 08:46:09

Thanks all.
Helena...lidl is my pils fave shop! smile they buy lots of fruit and veg there, the frozen stuff is prettying old too. Also jams, honey, condiments etc.
Their range of Xmas stuff is usually good too...lebkucken, pannetone, marzipan etc
Mrswolf..thanks. I will phone them tomorrow.
I am determined to start using my slow cooker....dh and I love stews, chicken etc. Kids won't eat it, but I can freeze what we don't eat for another day.
I treated myself to a small food processor from lakeland yesterday. ATM if you spend over £50 (it was £54) you get free delivery and a free naked wines vouchers for 6 bottles of wine for £4.99!!
So that's more Xmas gifts/party drinks sorted.

ArtemisatBrauron Sun 03-Nov-13 10:09:14

We invested in a slow cooker yesterday and tried overnight porridge, which was a disaster - think giant, brown wobbly biscuit! Off to get a timer for it now, worried that we have made an expensive mistake sad

Helenagrace Sun 03-Nov-13 10:21:44

I use my slow cooker all the time. Great for casseroles, ham in coke, chilli, bolognaise etc.

Rice pudding is amazing in the slow cooker and cheaper cuts of beef (brisket, shin etc) are beautiful cooked long and low.

NK5BM3 Sun 03-Nov-13 11:17:59

Just checking in. Will read thread later. smile

Preciousbane Sun 03-Nov-13 11:26:06

I have had 3 NSD this week, weather awful so have mainly been in. A friend gave me a large bag of apples from their garden, so baked apple for pudding was lovely. DS got loads of sweets T&T and has kindly shared a few.

I have decided to eat up everything in the cupboard and freezer and then rejig all my food cupboards and never buy anything weird again food wise that just ends up languishing at the back of the cupboard.

northender Sun 03-Nov-13 11:40:52

Back from Scotland now having had a great time but without the underspend I was anticipating sad . However our credit card has arrived so we just need to transfer the balances over from the other cards now. Its 0% for 27 months. We won't spend on it and I've worked out how much needs to be put aside each month to cover it at the end of the interest free time. In the meantime that will go into our offset mortgage pot to help bring that down.
Now I do need to think Christmas and start buying things and putting to one side. About to meal plan for the week although it starts well with tea at my parents smile .

northender Sun 03-Nov-13 11:45:30

Hope you're OK adora
I use the slow cooker a lot but it does take getting used to, how much liquid to add, etc. Loads of threads if you search on food and recipe topics.

ilovepicnmix Sun 03-Nov-13 12:37:15

Badvok - I've got a chicken curry on the go now. Onion, two chicken breasts, butternut squash, dried chickpeas, chopped toms x 2 and a tin of coconut milk. I've chucked in madras and curry powder but not much as my 16 month DS will eat it too. The chickpeas take an age and it seems like they will never go soft but they do.

Badvoc Sun 03-Nov-13 13:08:02

Sounds lovely mix! smile
I would love to try that nigella ham in cola recipe and I am sure I read someone did it in a sow cooker...
It would be great for a Boxing Day buffet I am doing...
Northender...we have just switched to a 0% cc for 15 months. We hope to pay as much off as we can and then we will just shift it again (I think it's called being a card tart! smile) we incurred lots of unexpected costs when we moved into this money pit house 2 years ago.

CremeEggThief Sun 03-Nov-13 13:09:25

I estimate I spent about £165 on our three days in London. Not too bad, but I hoped it would be more like £100. I always, always go over budget there...

Hugs for Adora.

claretandamberforever Sun 03-Nov-13 13:33:55

Hello all

Spends since the last time...

£3.00 parking at the cinema (mum paid for the ticket)
£3.61 Kindle book from Amazon (book of the film that I went to see)
£4.00 DS2 haircut
£4.73 on Saturday night's tea from Asda
£29.52 in Home Bargains
£9.24 in Morrisons on groceries
£6.00 on hairdye
£2.99 on a new lipstick
£1.99 on a can opener (debating whether this comes from the grocery budget or the everything else...)

Budget's remaining
Kids: Budget = £169.40 / spent: £10 // Remaining £159.40
Petrol: Budget = £255 / spent £56.80 // remaining: £198.20
Food: Budget = £350 // Spent: £43.98 // remaining: £306.02
Everything else = £482.12 // Spent: £70.35 // remaining: £411.77

Really need to rein in my supermarket shopping. I couldn't be fagged doing a big shop as I hadn't written a shopping list so I just went to Home Bargains and got 2 weeks worth of snacky stuff and pop (all the stuff that costs a lot in the supermarket)

Rang EDF to complain about the £26 extra that they had taken and honestly I am banging my head against a brick wall. I'll try cut this as short as possible. I owed them in April £642. I took out a 2 year payment plan to pay it off at £26 a month. I have been paying varying different amounts every month since then which adjust because I now submit meter readings every month. However the £642 debt has been taken off my main balance so they are two separate entities and their computer doesn't recognise that if you subtract the credit balance (main account) from the debit balance (debt) the difference is only £21 debit. As I have signed up to this 2 yearly payment plan at £26 a month they are just taking £26 a month from my payment towards the debt and the rest to the fuel account so I now have a credit balance on the main account and a debit balance of £426 (£648 minus 6 installments of £26) however although the actual bill recognises this but the computer and call centre people don't so they just keep saying "you still owe us 18 installments of £26 and if you leave, we will immediately take the whole remaining debt balance from your bank and then re-credit you the outstanding amount from your fuel account"!!!! How ludicrous is that?

The lad I spoke to yesterday said he would adjust my direct debit to £114 + £26 payment plan = £140 a month but in January when my account review is up, they will increase my direct debit because I will be paying too little. Apparently my direct debit for the fuel should be £159 a month. I asked if they would definitely take the rest of the 'debt' and he said that is what they would do. I really want to leave them but I don't want them to take nearly £500! I think I need to write an e-mail to their CEO don't I?

Fluffycloudland77 Sun 03-Nov-13 14:05:32

Yes you do.

NSD for me.

claretandamberforever Sun 03-Nov-13 14:12:43

E-mail sent.

KinkyDorito Sun 03-Nov-13 15:27:06

£2.50 on parking at a local wildlife attraction. Nothing else spent, although Tesco shop due this evening at £70. I am determined that the days of the top-up shop are over. This is our biggest failing with money: popping in to pick up a couple of forgotten things, and ending up spending £50. So, I'm going to try and work on the principle that if it doesn't arrive on the planned shop on Sunday, we do without it.

Fluffycloudland77 Sun 03-Nov-13 15:51:42

Spoke too soon. £8.50 on DIY stuff. Not quite sure what I got for that but dh is upstairs swearing at something.

CremeEggThief Sun 03-Nov-13 16:31:52

Good for you, Claret.

NK5BM3 Sun 03-Nov-13 17:41:32

Hello! We are back from Leeds after a lovely wedding there. The trip cost us £120 for hotel (family room x2 nights), breakfasts at McDonald's for about £14 for all of us on one day and co-op shop about £10 the next.

Service station meals about £40 in total. Petrol another £100 in total.

Argh.

Today did big shop at Aldi's £80. And then went to sainsburys to get clothing for £50 (thermals, gloves, belt for dh, underpants for kids...). Then cling film at tesco because I forgot and I was near there. Too many spends.

Hopeful for many NSDs this week. Should be ok other than DS's school dinners.

We have just discovered homemade pizzas. confused I know we should have done it earlier but we have no discovered it. And it's so cheap. And so yummy. At the moment we are using the pizza based from sainsburys (2 bases for £1). But using a slice of ham (or 2), one pineapple ring, some grated cheese, some spinach and some corn costs a max of 90p (including the 50p for base). If I make my own it will be cheaper. And looking at my aldi shop where a pepperoni pizza costs £1.85 I can make my own for half the price! Amazing. grin

Hello all

had fireworks party tonight £20 on box fireworks. Friends both brought a box also. Brought pk cheap aldi 12 for 99p sausages n marinated since yesterday in bbq sauce. Pk frankfurters 99p. 6 chipolatas for 72p. 18 finger rolls 75p ( out freezer prevreduced buys n frozen) 2 onions n some hm wedges all went down well n not too pricey.

ilovepicnmix Sun 03-Nov-13 20:18:51

NSD here. Didn't even leave the house.

AdoraBell Mon 04-Nov-13 00:16:55

NSD here, not sure what tomorrow will be.

ArtemisatBrauron Mon 04-Nov-13 08:36:22

hugely spendy weekend so aiming for NSD today, tomorrow and Wednesday. Ideally I'd like not to spend anything until Sunday when I'll do the weekly shop. I'm working every day this week so it shouldn't be too hard!
We have menus planned for lunch/dinner until Wednesday dinner, for the rest of the week I plan to use up what's in the freezer/cupboards to get us through until Saturday night. Good luck to everyone hoping for a spend-free day!

Fluffycloudland77 Mon 04-Nov-13 12:19:57

£1.18 on milk.

Really cross with amazon, I've been waiting ages to get a spin dryer & they had one for £92. I had £60 in amazon vouchers so I thought I could finally get one. They raised the price to £119.

Fuck you amazon.

Now I have amazon vouchers that I won't use & I've had to ask topcashback to convert my cashback to a BACS payment which is a hassle and I doubt they'll want to help me.

ArtemisatBrauron Mon 04-Nov-13 14:21:25

angry angry angry with ecotricity... we switched to them when we moved into the new house and got official letter saying we were supplied by them from 19th September. I rang old provider who said they couldn't send a final bill for 8th Aug-19th Sept until Ecotricity sent them some paperwork to confirm the switch.
I rang Ecotricity on 20th Sept and they said it was in hand. I have jus received a bill from old provider for the 8th Aug-21 OCTOBER for £139 because the paperwork was never sent, they are demanding we pay it even though they admit they are not currently supplying the property!!!

monikar Mon 04-Nov-13 14:37:40

May I join please?

its I had a similar letter from Tesco - I am going to try and be strong and ignore it. I spend too much in there as it is!

I am in the process of running down my freezer with a view to defrosting it. I have been trying to do this since the summer without success. Last week I made a really tasty soup with some leftover chicken that I had frozen a few weeks ago, some veg that was left over in the fridge and some extra garlic and herbs to give it a bit more flavour. I am going to try and make a soup once a week in an attempt to cut down our food costs and also use up some of the veg that accumulates.

ilovepicnmix Mon 04-Nov-13 15:06:47

Welcome monikar.

£1.83 on postage and then I put my car in for it's mot. £260 sob. Oh well. I was expecting something but not that much. While I was waiting for the work to be done I spent £3.35 on a coffee for me and lunch for DS. Later this month I have tax and insurance to pay. It's going to be a bad month.

ArtemisatBrauron Mon 04-Nov-13 15:35:27

And now it turns out they have sent the paperwork and the other provider were wrong, apparently the other provider are going through a system update which is causing this problem for other people, but of course the old provider didn't bother to mention that to me during the 27 minutes of 0845 call I paid through the nose for!

Argh! I must say Ecotricity have been very helpful today, I'll not know until this final bill from the other supplier materializes/fails to materialize towards the end of next week whether it has been resolved though sad

Ohhelpohnoitsa Mon 04-Nov-13 15:40:52

Woooo Hooooo NSD!!! cant rememeber the last one. tomorrow I am off to cash4clothes with 3 binliners full (but then meeting a friend fir brunch next door to spend it). hmm

Ohhelpohnoitsa Mon 04-Nov-13 15:42:30

Fluffy - sell your vouchers on ebay & get cash. I got 50p under face value for m&s vouchers. good luck.

Helenagrace Mon 04-Nov-13 17:00:07

NSD today! First one of the month.

Made some soup in the slow cooker for lunch and have some left for tomorrow. It was made from leftovers so it feels like free food!

DH has been approached to apply for a job in Bermuda. Nice idea but I don't think it's going to happen!

CremeEggThief Mon 04-Nov-13 17:37:10

Fluffy, how bloody annoying! You've been after a spin-dryer for aaages too.

So, £22.32 at Lidl and £28.84 at Tesco. That's it for the week, apart from milk. £1.50 on padded envelopes for posting off eBay stuff tomorrow. £14.15 on travel, cafe and swimming session for DS. Total: £66.81 shock.

Fluffycloudland77 Mon 04-Nov-13 17:42:45

So, you'll laugh.....I was looking at the wrong supplier & it was still on there for £92 so I've ordered one and now I feel a prat.

At least I can stop boring everyone about spin dryers now.

£30 on a spin dryer.
£20.01 on petrol

<gets coat> blush

Badvoc Mon 04-Nov-13 17:42:45

I got £30 in unclaimed tesco vouchers today.
Doubled up means £60.
Of course, you can only spend it on certain things - not food for example!
But it will come in handy for the last few gifts for Dhs family.
Bought some boys for he co op and some bits from he post office and before you know it...£20 gone.
Must try harder.

Ohhelpohnoitsa Mon 04-Nov-13 18:08:33

What exactly is a spin dryer? does it just take out more wetness than the washer??

northender Mon 04-Nov-13 18:28:59

grin at fluffy and the spin dryer saga. Hope it's worth it!
On the way to school with dd today met another mum who informed me it was an inset dayblush . So ended up a bit different to plan, went to the library, did some baking and started to sort her room out. The only spend was £6 in aldi for carrots, cream cheese, bread rolls and 2 bags of bread flour (we baked a carrot cake).
Cottage pie for tea (mince cooked in slow cooker) and made another to freeze.
Should be NSD tomorrow

Fluffycloudland77 Mon 04-Nov-13 18:45:03

Well, a normal washing machine spins at 1200-1600rpm, a spin dryer spins at 2800rpm. The reviews on John Lewis, asda & amazon are all good.

The downside is it only holds 4.1kg of washing and you have to load it properly or it moves around.

The upside is that it's cheaper to spin water out of clothes than heat it out in a tumble dryer.

Given that in the winter the drying time you get outside is minimal it means I won't have to use the dryer a lot, if at all.

Dh is against me having one but he doesn't have to do laundry. He will not be pleased.

Ohhelpohnoitsa Mon 04-Nov-13 19:34:01

Why cant the washing machune manufacturers just include that technology? I live the sound of your spin dryer plan but I have all on sorting the washing on to radiatiors / line / tumble dryer, without adding in another stage. My grandma swears that lufe was simpler with a top loader. She would love you fluffygrin

Ohhelpohnoitsa Mon 04-Nov-13 19:35:07

I am now off to amazon spin dryers section! doubt I could fit one anywhere.

Fluffycloudland77 Mon 04-Nov-13 19:47:20

I don't know....the fastest spin I've seen is 1600.

Our grans had the right idea, apparently if you have a twin tub you can wash the least dirty clothes, then the dirtier ones so you get two washes out of one load of water!,

I spend too long thinking about this stuff.

claretandamberforever Mon 04-Nov-13 20:18:42

Still haven't had a reply from the CEO of EDF grin

Spends...
£32.00 on clothes from Tesco. Feel really bad about this. Our uniform has been relaxed at work and we can now wear our own clothes in a corporate colour so I went and bought a new top @ £14 and then I saw a denim skirt which I absolutely loved for £18 and I had been after one for ages as I have got too fat for my other one and I know I'll wear it loads and loads but I still feel bad!!
£28.04 on a Tesco online shop. (chose a later time slot for tomorrow night so saved £1.50).
£10 on a deposit for my work's Xmas do.
£7.99 on a takeaway

My budget stands at
Food: £269.99 remaining
Petrol: £198.20 remaining
Kids: £158.40 remaining
Everything else: £374.12 remaining

I shall now be uber frugal until the weekend

Still feeling really bad about the denim skirt...

AdoraBell Tue 05-Nov-13 02:28:31

Thanks North and Creme

Feelling better now, four day break To lié in helpedgrin

Spent £35 Today, no sign of activity where I normaly buy veg and nuts. Hope they're open Tomorrow as I need nuts and really don't want To pay súpermarket prices for my veg. I want To grow it, not pay through the nose for it

Haven't caught up properly but agree Fluffy you should sell your vouchers.

AdoraBell Tue 05-Nov-13 02:32:05

Fluffy if it's any consolación I also feel like a Prat, advizing you To flog the vouchers after you've said you can now use them. Doh!

Fluffycloudland77 Tue 05-Nov-13 07:16:25

claret it's probably busier on a Monday. Did you check spam too?

I'm hoping today will be NSD, can't think of anything I need.

TheBitchesOfWeestick Tue 05-Nov-13 08:02:41

No NSDs for me so far, but my £100 cash per week plan is going alright so far. £58 in Lidl at the weekend, £10 on eggs and a roasting chicken from the farm shop. I'm taking £15 into town today as need some bits, including a card for friends who have just had twin girls smile

DD was sick on our living room rug on Saturday night, which means the rug is a write off. It was disgusting anyway. DH wanted to go out and spend £50 on a replacement straight away, I said no <virtuous>

claretandamberforever Tue 05-Nov-13 08:19:02

Nope. Nothing in spam. I don't expect a reply to be honest, or if I do get a reply I expect a "please contact customer services on..."

Tried the denim skirt on and I love it so no hope that I might take it back for a refund!

itsonlysubterfuge Tue 05-Nov-13 08:40:23

My husband wouldn't eat the food from Aldi and I do try to buy as much Organic as I can. Organic meat is far too expensive though and DH doesn't eat meat, so might have a look at the meat at Aldi to save some money. If it weren't for my husband's Diet Coke and junk food diet we would have a much harder time spending the £90 at Tesco.

We've had NSD on Sunday and Monday. I need buy some groceries online today it's all whole food stuff so not expensive at all.

Making soup for dinner with chicken and cabbage and whatever else I can chuck in. Probably make enough for around 10 portions, so will have loads of soup in the freezer for later in the month. I'm also trying to eat healthier, so will probably bulk out the soup with some sort of grain type thing.

itsonlysubterfuge Tue 05-Nov-13 08:44:24

Forgot to mention I have stopped using shampoo and have loads of it. Not sure what to do with it all, can't imagine I could sell it on eBay? Going to sell a lot of baby clothes on eBay, so that will help add some money. We spent £750 on Royal Mail Shares last month and paid the £800 car insurance so it feels like there is a giant hole in our savings.

Possiblyorange Tue 05-Nov-13 08:48:19

Hello! Lurker popping up to finally join in properly. I'm a NCer, as I'm very 'out' on my usual username, and don't necessarily want family and friends coming across my financial stuff!

Having been burying our heads in the sand for a long time about ploughing through savings since setting up a new business (as in, there's virtually nothing left of really quite a big pot of savings), DH and I finally sat down and really went through our income and expenditure last night. It was shock and sad how much we've been blowing on not vey much, despite living really pretty staid and sensible lives. We are bored silly of renting, so have set ourselves some saving targets to attempt to get the house deposit savings back on track. It was horrible, as I felt like such a nag saying to DH 'no, we can't really afford that', but he finally got on board with it and has put the You Need a Budget app on his phone to track spends (I already have it on mine, but haven't been using it).

Signed up for topcashback last night and can't believe there's no catch, iykwim. Got £1.22 back on some coach tickets that I had to book anyway (and made the choice to catch the coach at £22 rather than the train at £70, which would be my usual choice). Not much, but every little helps, right?

DH is low carbing at the moment, which isn't cheap, but I am going to get some cheap meat from the butchers on Thurs and do some slow cooker stews. Love the sound of all the freezer/leftover soups, we don't have huge amounts of veg waste, but definitely enough to do the odd portion of soup.

Any good blog/website recommendations for more frugal idea much appreciated!

Possiblyorange Tue 05-Nov-13 08:49:26

Subterfuge maybe local Facebook selling page?

Thatsinteresting Tue 05-Nov-13 10:17:49

£12.95 Aldi/Sainsbury's yesterday which was supposed to last until Friday. Dd is desperate for some fireworks so I've relented and spent £4.99 in Aldi and 50p in Sainsbury's. On the plus side I remembered I had a voucher so picked up 12 crackers from Aldi for £1.90, which I'm really pleased about. In many ways they are a total waste of money but the dc love them so a few cheap ones are fine.

I'm going to have a little stock take today of the things I've bought for Christmas. I think I'm almost done but I need to check as I'd like to be finished before December.

Ohhelpohnoitsa Tue 05-Nov-13 13:35:46

best laid plans..... got £7.50 for my bags if old clothes, couple of bargain storage ideas from ikea & was very restrained with my spending. smile. THEN, was daydreaming on the way home & got flashed by a speed camera doing 40 in a 30. I know it's bad but it used to be a dual carriage way at national soeed limit and now it varies from 40 to 30 along its route. I hold my hands up but didnt endanger anyone I promise sad

monikar Tue 05-Nov-13 13:42:02

Badvoc I have some unclaimed Tesco vouchers too but I am not sure if our Tesco is doing the doubling at the moment - on the last one they offered doubling on toys, opticians, clothes and frozen food. Do you know if there is a minimum you have to exchange as I might get some frozen bits - so much for defrosting my freezer!

I have toyed with the idea of a spin drier but have nowhere to put one. I don't have a tumble drier as I think they are heavy on electricity so in the winter I have all my washing on airers and hanging in doorways. One on my neighbours puts washing out every day of the year and it hangs for days on end - I wonder if it actually dries or if she ends up putting it on airers indoors to finish it off.

Possibly could you include pulses like lentils to bulk out your stews or is that a no-no on the diet?

Badvoc Tue 05-Nov-13 13:52:12

Frozen is not included this year!
Not much is tbh...

Fluffycloudland77 Tue 05-Nov-13 13:56:32

With any luck you'll be offered a speed awareness course.

These things happen.

TheBitchesOfWeestick Tue 05-Nov-13 14:23:19

Managed to get all my stuff for a tenner, hooray. And that included a Peppa Pig magnet book for DD's stocking, reduced to £2.40. We have done SFA towards Christmas so far, this bargain makes me feel a bit better grin blush

Fluffycloudland77 Tue 05-Nov-13 14:43:45

subterfuge I don't tell my husband that the marrow fat peas aren't bachelors or the stuffing is smart price or the tea bags are sainsburys basics or that I cook chicken in the slow cooker.

The propaganda leaflets for women in ww2 said don't tell the husbands about the economies you make with food so I don't think it's a new problem.

Organic meat does have the highest welfare of all meat though. There's a butcher near us who has his own slaughterhouse at the rear of his premises & all the meat is locally reared so it doesn't get transported across Europe. On the downside a chickens over £10. If I was rich I would buy all my meat off him.

NSD & £5 cashbacks come through.

I need plain flour for vegan brownies but cba to go to the shops. I feel pmt coming on.

CremeEggThief Tue 05-Nov-13 16:41:38

£6.30 on posting off eBay parcels and 51 p on an emergency pint of milk.

Just lost it with 11 year old DS for daring to leave a skidmark in the loo I'd only just cleaned angry angry. I need a cuppa and some chocolate to help me calm down!

MrsWolowitz Tue 05-Nov-13 16:46:40

£12 on petrol.

50p on potato cakes for my lunch.

Possiblyorange Tue 05-Nov-13 17:10:23

Monikar pulses not completely ok, but better than potatoes etc (and might do some for us anyway). luckily greens like cabbage and kale are quite cheap at the moment and he's happy to eat those to bulk it all out. Ooh, that's just reminded me of a mega budget carrot and lentil soup recipe I used to make, will have to dig it out.

Had a major win today, thought a client had paid me for something and they hadn't, they came round with a cheque earlier, so am £115 up today! Today would have been a family NSD but DH has just texted to say he's picked up some sparklers for the DCs. Am happy about that, but will have to have another awkward stingy sounding conversation if he's also bought a tenner's worth of 'top up' as well. Am actually getting cross in anticipation!

AdoraBell Tue 05-Nov-13 17:25:01

grin grocer was closed coz he had no stock left. I bought veg and fruit for the week plus a kilo of shelled walnuts for £20.

Shall catch up later, currently juggling putting shopping away with late lunch and impending school run. Did I mention the dogs? T'is 'f'ing hot here Today, over 30C.

Fluffycloudland77 Tue 05-Nov-13 17:52:05

It is cold here. And raining.

envy

ilovepicnmix Tue 05-Nov-13 17:52:15

Stop showing off adora smile

Got a wee tank top for DS in a charity shop for 50p. He doesn't really need it but might be nice for a Christmas party as he doesn't have a lot of smart clothes. 9p, yes 9p, for a tub of chocolate philadelphia. I've never had it before and it is nice! Then I spent £3.50 in Tesco on bagels, a loaf and new toothbrush and toothpaste for DS.

Not bad for a day when we had no plans.

Possiblyorange Tue 05-Nov-13 18:05:51

Oh FFS, DH has come back with (of course) a load of fireworks, so has spent a tenner instead of £2-3. And is now sulking because I wasn't suitable excited. How am I supposed to make him see that we have no money?

Fluffycloudland77 Tue 05-Nov-13 18:31:07

Keep the receipt & take them back.

I'd probably huff a lot and say fine in a really pa way when he asked me whats wrong.

It's usually the men on here, it's a recurring theme.

We have seperate accounts.

ArtemisatBrauron Tue 05-Nov-13 19:33:37

possibly I recently discovered that we had no savings as DH had quietly spent it all on supplementing his salary - I had thought there was about £4000. There was nothing. He didn't spend it frivolously but had gone part time and was finding it really tough to make ends meet and spent the money rather than telling me we needed to re-budget. We now have a joint account which I check every month.

ArtemisatBrauron Tue 05-Nov-13 19:35:05

He's gone full time again and agreed to look for a better-paid job so he can pay it all back, but I am a bit sad that he didn't tell me at the time

Possiblyorange Tue 05-Nov-13 20:21:48

Artemis I'm sorry you've had a shit time with your DH/money, but slightly relieved I am not alone in being frustrated. I did get a bit PA at him, and he is going to take back the extra fuses he bought because he didn't think there were any in the fireworks boxes, so we'll get a few quid back. I think he gathered by my reaction that random spends like that will not be well received, so hopefully it won't happen again.

Am trying to list one item a day on eBay at the moment, have managed it for a whopping three days so far, long may it continue! We have absolutely loads of stuff to eBay, nothing terribly expensive but hopefully it will add up.

northender Tue 05-Nov-13 21:46:58

Welcome orange. Other halves with heads in the sand is def a recurring theme on this thread. Luckily my dh is fully on board with the frugality which really helps. You're only just starting out on the frugal road, he'll soon get used to it grin .
NSD here today and hoping for another tomorrow.

AdoraBell Tue 05-Nov-13 22:03:20

Where did my post goconfused? Can't do it again right now, need To check the rice for doneness.

AdoraBell Tue 05-Nov-13 23:45:27

So, as I was saying, I'd be glad To swap Fluffy and picnmix as I find getting things done much easier when it's colder. Just cooked dinner, before that 2 kilos of sausage, in 1 peice, from the freezer because DH can't eat it. Frozen it again in portions for packed/my lunches. Now boiling water for pasta To put in lunch for DDs Tomorrow . <melts>

brew and cake for creme

and my DH is genérale not too bad with money, other than wanting To control everything, but he recently suggested having Christmas in UK this year. I actualt said "How the Fuck can we afford thathmm ". His maín problem is throwing money at emotional problems in the hope that it will make everything Go away. He is learning, slowlywink

BlackberrySeason Tue 05-Nov-13 23:47:02

Really excited about my supermarket app blush and have ordered cut price shop using it!

AdoraBell Wed 06-Nov-13 00:32:48

Well done Blackberry

Possiblyorange Wed 06-Nov-13 07:38:01

Adora my DH's main problem is emotional/generosity too. He loves taking the DCs out, will stop for lunch, takes them to visit his mother (a couple of hundred miles away, so over a tank of fuel), buys big Christmas presents etc etc. which is so much harder to be strict with than selfish spending!

We had another good chat last night and we're reminiscing about how good we used to be about budgeting - grow herbs, make stock, no convenience foods, lots of batch cooking, careful with water/electricity - and how all we need to do is get back to it.

Have lots to do today, am hoping for NSD (am out for a business lunch, but it's already paid for, pre-economy drive, and drinks etc provided), and will try to do one or two more eBay listings.

AdoraBell Wed 06-Nov-13 15:56:30

Possibly sounds very similar.

Spent two pounds thirty on shower gell and a multipack of cheap biscuits for an upcoming school trip. Might get another pack as they are very cheap atm and I don't usually let DDs have these.

Possiblyorange Wed 06-Nov-13 16:53:09

Not quite a NSD here - spent £12 on a new appointments diary and some biros (rock 'n' roll). The nanny got £40 out in cash too, but then realised she didn't need to pay for the group she thought she did, so that's just extra in her kitty - she is pretty frugal so it will last a while, so I'm not too anxious about that. Have accounted for it in my budgeting software so it doesn't take me by surprise later though!

Am in SAHM mode tomorrow, and I always find I do little spends when looking after the kids, so will have to be extra firm with myself not to do any coffee shop treats. Am going to have a fun morning with DS2 going through the freezer and seeing what we can turn into meals to minimise the next few food shops.

Jinty64 Wed 06-Nov-13 17:10:51

Right - I need to get back into frugal mode. I have been spending like there's no tomorrow. I am going to withdraw £80 tomorrow and make that do for the week. There is plenty of food in the freezer to last us and I will bake bread and make soup. I will need milk though.

Going out to lunch (unfortunately) on Friday but will have something cheap. I could drink water and refuse desert, or is that going too far?

I am going to go back to going to Tesco at night when everything is being reduced. I save so much that way. We are also getting an ALDI built 5 minutes walk away. I think it will be open for Christmas.

I have been selling bits on Gumtree, must put some more things on.

NSD today at least!

Thatsinteresting Wed 06-Nov-13 17:17:03

Swimming today with ds, £2.20. Butter and eggs from Sainsbury's as we have only 2 portions of porridge left between 4 of us as breakfast options.

Possibly I used to be generous with my money but now we have dc I realise several things, one of those was that people expected my generosity but weren't that grateful, sadly. Now I still do things with the dc but use vouchers or Tesco points. There's only a finite amount of money no matter what you earn. The local sealife costs about £56 for 4 people (I know, shocking). Using 2-4-1 either means we can go twice for the same money or I can put £28 towards first cars/homes which ultimately will be of use to dc when many early experiences will have been forgotten.

Thatsinteresting Wed 06-Nov-13 17:19:32

That makes me sound beyond tight! I just meant in years to come my dc won't remember or care that we took a picnic to Drayton Manor instead of buying lunch, easily saving £20.

Fluffycloudland77 Wed 06-Nov-13 18:32:05

NSD today.

My zips gone on my work trousers so I need cheap navy trews tm & flour & chick crumb for cat litter.

Apparently there's a "grabbit while you can" thread on mse for tesco price glitches so I will see if I can find a link to it. People are buying wine for £2 a bottle shock, I imagine most of us have a tesco nearby.

The electric cashback came through today so I will put that & the washing machine cashback towards the £270 I owe to the savings account for a furniture deposit.

It feels like Christmas come early when I get cashback.

Fluffycloudland77 Wed 06-Nov-13 18:44:39
SolidGold Wed 06-Nov-13 19:07:14

Hi can I join too?

Dh out of work since June and I can't increase hours at work - only on 12 hrs.

Have claimed child tax credit, JSA, and related benefits.

We've cancelled life insurance and pet insurance apart from for my ill cat.

Now just paying utilities, BT package which is £40 for landline, broadband and tv, mobiles, home insurance, mortgage, council tax (reduced due to JSA), tv licence, gas service. We can't cancel BT or mobiles due to tie in period, don't want to cancel boiler service as the boiler is getting on a bit and causes problems nearly every year!

Food shopping is main expense as I don't eat anything with gluten or dairy. I've started using Aldi, but struggle to get weekly shop below £75. I know eating lots of pasta and very little meat would be cheaper, but I would feel very ill.

Petrol cost is very low as I only drive a few miles to work 3 times a week.

I've looked for babysitting, dog walking, cleaning jobs locally, but times are hard and there's nothing. No supermarket work either. I'm looking for a fulltime job too, but there is nothing locally.

Any good tips for cutting bills ?

smile

Fluffycloudland77 Wed 06-Nov-13 19:14:01

Have you rung bt & said you want to cancel? When I did (and I really did want to cancel I wasn't just after a discount) they offered to reduce my package straightaway.

You could talk to your mobile provider too, they might cut the cost for reduced minutes or data.

Have you swapped electric suppliers? Or have you already checked that you have the cheapest deal?

Have you joined topcashback & quidco? You will need to buy things at some point so you may as well get something back.

Possiblyorange Wed 06-Nov-13 19:21:22

solid that must be tough. Lots of gluten free pasta/lentils/eggs. Could you make gluten free bread? It is heinously expensive (I occasionally buy or make it to cater for an intolerant friend!). Cheap cuts of meat in casseroles.

I would phone BT and mobile providers and explain the situation - mobile provider might be able to extend contract at a reduced monthly rate? No idea if they will, am just speculating.

SolidGold Wed 06-Nov-13 19:29:13

Hi fluffy smile Thanks for your reply.

We haven't called Bt. because we need the broadband, but are tied into the tv as we took it out before dh became unemployed. So we need the landline for broadband (I work from home a lot) and are still tied into tv, not sure how much longer, but will check.

O2 reduced my bill when I asked, but wouldn't go lower than £20 per month. Dh can't reduce his until late December as its a business tariff.

I think I am a member of Quidco, but haven't used it, as I thought it would only be a few pence. Can I use it for food shopping? Tbh I'm trying not to spend on anything else! Although obviously will need to spend a bit over Christmas. hmm

SolidGold Wed 06-Nov-13 19:31:22

I swapped electric suppliers in December do would have an admin fee to pay if I changed. Our direct debit was recently increased, so I think if we left we'd still have a deficit to pay off, even if we could leave. I always change provider each time the tie up period is up.

monikar Wed 06-Nov-13 19:31:34

solid a friend of mine phoned her mobile provider asking for the code needed to transfer to another provider and rather than lose her as a customer, they cut her monthly bill quite drastically. I don't know what her contract was at the time tough.

SolidGold Wed 06-Nov-13 19:33:15

Possibly, eating carbs like bread and pasta cause my IBS to flare up, as do beans, lentils etc hmm i have a huge problem with food hmm It would be easier if I didn't eat at all!

Badvoc Wed 06-Nov-13 19:34:47

Just ordered a case of wine for my fil from naked wines with a voucher I got from lakeland. Cost - £4.99!
I can get rid of my mob contract in march thank goodness!

SolidGold Wed 06-Nov-13 19:35:23

Thanks monikar. I have tried calling O2 but they were very unhelpful and refused to budge as our terms and conditions state we can't.

Fluffycloudland77 Wed 06-Nov-13 19:38:30

Well so far, in 14 months, I'm £600 up from topcashback. Mainly for new mob contracts, swapping fuel providers, general shopping stuff.

I think bt offered me £7 a month off my bill when I rang up.

I work for myself & I have a work mobile, £7.50 a month from talk mobile & I got £60 cashback from that too. I've never been told to get a special business tariff, I suppose it may be more relevant if you are vat registered.

monikar Wed 06-Nov-13 19:41:20

solid oh dear, that is a pain then if O2 are so unhelpful.

CremeEggThief Wed 06-Nov-13 19:57:41

Just under £32 today, on travel, lunch out and some food shopping and Xmas shopping smile.

SolidGold Wed 06-Nov-13 20:00:13

Fluffy, dh was talked into a new Samsung in December and they told him it would be cheaper on business tariff. His phone was broken do he needed a new one. Just we'd gone for something cheaper.

I will look again at Quidco but don't think I'll be getting cash back for swapping providers at the moment.

claretandamberforever Wed 06-Nov-13 20:25:00

Fluffy, was it you who gave me the EDF CEO e-mail address?

Well, he passed it onto someone else who has e-mailed me, cancelled my payment plan, confirmed they won't take any direct debits from me if I leave, and credited my account with £25 for the inconvenience!

Result!

I never asked for or even expected cash compensation so I'm highly delighted - thanks for the push :-D

(will just bury here that I bought two more work tops from Asda at £10 and £12)

ilovepicnmix Wed 06-Nov-13 20:40:35

Evening all. Was on strike till 12 today so I'll be docked half a days wage but not till January. Got to fight the fight though grin On the plus side I only spent 39p on a can of diet coke. Just about to transfer £8 for lottery subs. I should really come out of the syndicate as I know we're never going to win but the fear is, of course, that they'll win the next week!

Fluffycloudland77 Wed 06-Nov-13 20:44:30

<preens>

No one listens to me in real life.

Possiblyorange Wed 06-Nov-13 21:33:39

Claret wow, that's brilliant, well done!

Have just realised I've been charged twice for a purchase made through a top cash back link last night. I've checked emails and the tickets I ordered have definitely only been ordered once, so not sure what's happened. one transaction shows the full amount, and one the full amount minus the cash back sum. Suppose I'll have to phone and see what that's about?

CremeEggThief Wed 06-Nov-13 21:34:02

Excellent result, claret. smile

northender Wed 06-Nov-13 21:58:36

Well done claret, great result.
badvoc I thought you meant 4.99 a bottle when you first mentioned the wine, per case though.........bargain.
that's interesting you don't sound mean at all, I know exactly where you're coming from
I've made a non essential purchases I need to confess to. £3 on lunch at work but I did really enjoy it and the cafe at work has been closed for months so it was a big treatblush .
Got onesies for the dc for Christmas, another thing ticked off.

AdoraBell Thu 07-Nov-13 01:49:06

Too tired To read through properly, sorry, but Solid I know it's a paín and moré costly but you are doing the right thing in eating what you can tolerate rather than going for the cheaper option and suffer for it. My DH realised as few weeks ago (at the tender age of 57) that he can't tolerate gluten. He'd spent his Life blaming it on the other ingredients in the sandwich/pie/steak & kidney Pudding and putting up with the paín.

So, I caved. DH needed a small tube of shaving gunk To take on a plañe and the supermarket has Loads of productos mostly crap on £1. Nachos, crisps, choc biscuits, chocolate, pasta and few actual essentials later and his £1.30 shaving stuff cost me nearly a tennerblush

DH spent £18 on fresh food for the dogs and, hang on - 2 sepárate pharmacies- musta been, about £25/28 on DD2's vitaminas.

Tomorrow should be an NSD.

Managed To avoid the road tolls for school this week by being close To the área anyway in the afternoons, and haven't been anywhere else. Need To Go into soon though To do a few errands.

Oh, DH can't use the gas guzzler as planned, his new cheaper parking spot is even tighter than the previous one, so I'm still using it for short journeysangry. I am getting better consumación than the dealership has ever seen though. <polishes halo>

goldopals Thu 07-Nov-13 03:23:52

I am going to stop lurking because I really need to save money for an overseas trip. My goals are to stop stopping off at the supermarket after work or when bored and to buy no groceries for three weeks. I think I can do it as I have plenty of meat and vegetables in the freezer, and have a full fridge and stock cupboard.

KinkyDorito Thu 07-Nov-13 06:14:46

Firstly, well done with EDF claret. That's a great result!

I am having a dilemma. DS has a birthday just before Christmas. I have already bought his presents and now he is doing that thing where there is something that he really wants. Of course, I'm kicking myself that I didn't leave a bit of the budget for this eventuality. However, he's been very vague up to this point and is usually happy with whatever he gets. He will be 5.

Not sure. Do I get him it?

Over to you, wise frugal ladies.

BlackberrySeason Thu 07-Nov-13 07:00:52

Kinky can we or the ladies on Reastie's thread help you get it at a bargain price?

Jinty64 Thu 07-Nov-13 07:18:53

Kinky is it very expensive? Is it a reasonable request? Could you get it instead of something you have already got and keep that for another time? Or, can you afford to get it?

Ds3 (7) has asked for a popcorn maker, his older brothers had one years ago, we used it once and got rid of it. I am not buying another or a candy floss machine, umm, just no. Fortunately we are going to see "Santa" at the local fayre and he and I are on first name terms so I might get him to explain that these are not what he is giving this year!

It is hard though.

KinkyDorito Thu 07-Nov-13 07:41:34

It's obscure. He wants a Lego Cad Bane specifically from this set:

www.ebay.co.uk/itm/like/150891600241?lpid=83&device=c&adtype=pla&crdt=0&ff3=1&ff11=ICEP3.0.0&ff12=67&ff13=80&ff14=83&ff19=0

The mini figure is about £14. I'm just so loathe to pay that though!!

www.amazon.co.uk/LEGO-Star-Wars-Blasters-Minifigure/dp/B004ATD2HU/ref=sr_1_1?ie=UTF8&qid=1383809979&sr=8-1&keywords=lego+cad+bane

I blame his father. He has brainwashed him with bloody Star Wars.

I think my worry is that I've already spent a lot on him and I think he has plenty. I might do what Jinty suggests and put something else away for next year.

Blackberry I doubt I'll get it cheaper. People make a killing on these mini-figure sales.

Helenagrace Thu 07-Nov-13 08:09:26

NSD on Tuesday but spent £20 on ingredients for DD's cookery project (chutney making - I don't even like chutney!!), extra fruit, mushrooms for a risotto (used up leftover chicken - 3 meals from one £6 chicken grin) and some work stationery bits that I'll be able to claim back.

Christmas shopping going well. I have a list and I'm sticking to it! This year the DCs will have my mum's presents at the same time as ours. She goes completely over the top so I'm scaling back what we get them as they won't notice. DD is likely to need an iPad when she goes to high school so the money saved will go towards that.

Possiblyorange Thu 07-Nov-13 08:46:21

kinky could you hold back a birthday present for Christmas?

I really need to start thinking about Christmas shopping. Have agreed no big birthday or Christmas presents with DH, which is a fab step for him (he loves giving and receiving big presents).

Need to do a good shop today and have the car so can venture to Aldi for a change instead of lidl/waitrose combo ( Aldi bigger than lidl here). Going to go through the freezer first though as it's pretty full.

monikar Thu 07-Nov-13 09:53:04

Helen I have bad memories of DD doing cooking at school - it was so expensive and they asked for some really obscure ingredients.

I haven't started my Christmas shopping yet either and I really need to start thinking about it. I have got my cards as I bought those in an organised moment in the January sales.

shortscotty Thu 07-Nov-13 12:48:18

Fell off the wagon a while back - again - so jumping back on if I may. Morrisons £55 then £11 in Home Bargains (my budgetting nemesis, I always see something I need that would be twice the price elsewhere then but gubbins as well)
Going to try using cash in purse for shopping, the card is just too easy but I am going to stash an emergency £20 in there too in case I come across reduced meat etc that would take me overspend but can't be walked away from. Anyhow, off to do spend/banking plan for next four weeks as payday is next Friday

Possiblyorange Thu 07-Nov-13 13:01:38

Aldi shopping trip was successful - £66 for a week's shop for four, although I am menu planning with some stuff in the freezer, so it's not that amazing. Stuck firmly to my list apart from one free range chicken (they don't always have it in Lidl, so thought I'd get it cheaply while I could) and our first Christmas purchases - one bottle of cava and a couple of rolls of wrapping paper. I'm going to try to buy a little thing every week in an effort to make the big Christmas shop slightly less traumatic. I need to find a box or something to put it in though, otherwise it's going to end up eaten/drunk, rather defeating the object of the exercise!

Also received a payment today (am self employed) which will pay off the last bit of lingering credit card debt, so it will be nice not to have to think about that in terms of budgeting. My mission now is to make enough to pay the rent before mid-month without having to resort to the overdraft. A bit of manic eBaying will be taking place in the evenings! Have some big things like my serger (like a sewing machine, but for t-shirt type seams), a couple of other sewing bits, an expensive saucepan we never use and a brora cardigan, as well as tons of 99p type things, so hopefully will make it.

Scotty it's things like reduced meat and veg that makes me avoid doing online shopping, as although I don't get it that often, we have a massive freezer so I can stock up when there's something good. A decent chest freezer has been one of our best 'frugal' purchases ever.

AdoraBell Thu 07-Nov-13 13:19:57

Helen can I ask, please, the iPad you say DD will probably need for school. Is that just her school/your área or do most schools have these requirements in the UK now?

<slightly worried about what we'll have To buy if we ever do sell this house and move back>

Fluffycloudland77 Thu 07-Nov-13 16:25:35

I've heard some schools advise them now, my dn doesn't have one though.

£2.05 on bread and smart price flour.

£7 on school uniform trousers for work. Bit tight but I can return them if they develop a fault.

£1.25 veg oil from Aldi. Tesco was £1.75 for oil! I want to cook with it not run the car on it.

TheBitchesOfWeestick Thu 07-Nov-13 17:19:00

Well done for getting money out of EDF claret! And well done Badvoc on the wine envy

I spent £2.26 on bread and Smarties yesterday. Today was £1.60 parking in town, £3.89 on cards, 99p on a bag of chocolate coins, plus £3.99 on a sparkly nail varnish to cheer up my friend who is awaiting bowel surgery.

BUT due to extreme tiredness and period fatigue, I forgot to move the car this morning out of the two hour space that I was forced to park in last night because there were no spaces in our road, so we will probably get a parking ticket through the door at some point soon sad Really pissed off with myself.

Possiblyorange Thu 07-Nov-13 17:51:00

Oh Bitches what a pain! I got stung a few times like that as a student, it's a nightmare.

Re iPads I don't think they can make them something you 'have' to have, but there is more and more of an assumption that kids will have some sort of tablet at home, IME.

Having yummy ancient leftovers from the freezer for dinner tonight, meatballs I completely forgot I made!

Need to make myself be organised tomorrow as have a long car trip with the DCs and I know we will stop if I don't have sufficient snacks and drinks with us.

CremeEggThief Thu 07-Nov-13 17:57:06

That is annoying, bitches!
Spent all afternoon running around doing errands. £4 on travel; £2.34 on milk and two chocolate bars and £12 on my niece's Christmas present. So, £18.34 altogether.

SolidGold Thu 07-Nov-13 18:37:44

Trying to get to grips with Quidco... is the site always this slow?!

I've seen something about adding receipts, but can't get the page to load at all sad Will keep trying. Yesterday I did my Asda online grocery shop through Quidco and had a message saying I'd earned £6.50!! I would have shopped there anyway, so definite gain, if I actually get it at some point. It's all new to me, so will keep playing around with it...

Helenagrace Thu 07-Nov-13 19:36:36

Adora the iPad isn't a requirement as they can't enforce it but they do strongly recommend one and homework is iPad friendly and you have to ask for printed copies.

The problem I have is that it's a girls' school with a somewhat distinctive uniform and everyone knows that those girls will have an iPad (and probably a phone as it's a church school with a wide catchment and most girls travel a good distance to go there) in their bags and they're just sitting ducks for thefts.

Managed not to spend anything - but that was because I've spent another day in A&E. I've got scleritis in my left eye and if the steroid eye drops don't work they're going to inject steroids into my eyehmm

ilovepicnmix Thu 07-Nov-13 20:04:30

Oooh Helena. That doesn't sound very pleasant.

NSD for me. Yippee.

Possiblyorange Thu 07-Nov-13 20:50:19

shock Helena, you poor thing! But well done for not spending on the vending machines.

ilove well done on NSD.

Am aiming to keep my spending to the £1 for toddler group tomorrow. Car is filled ready for kind journey and we have plenty of picnic type ingredients.

AdoraBell Thu 07-Nov-13 20:57:40

I really hope your eye improves Helena and Thanks for the info re iPads.

I Spent £3 on yoghurt and rice cakes, plus £1.30 on a coffee, 90p parking and £2.40 getting into town and back. Had To check something at a clínica, now have go To the maín one To book. Next week.

NK5BM3 Fri 08-Nov-13 07:16:31

Haven't been on for a while sorry! Trying to catch up. Work has been manic. Haven't been home all week to see the kids. Wasn't at home last two days.

Had a few NSDs. Big spend on Tuesday on hair cut and colour (£111?). Other spends are chargeable to work. Need to pay credit card bills this week somehow. Argh.

Today taking car for service. Gulp.

Helena - hope your eye gets better soon. Sounds horrific!

Fluffycloudland77 Fri 08-Nov-13 18:22:43

£10 petrol

64p cat food

Hope your eyes better Helena. It must hurt a lot.

Turnoffthelights Fri 08-Nov-13 19:13:22

Just posted in the duel fuel thread but no replies and need some moral support...very pleased with a NSD yesterday and then only bought 4pints of milk today until...£700 EDF arrears bill arrived earlier sad. Have paid it out of my overdraft rather than face astronomical DD increase but am worried it will result in financial crisis! I'm now tempted to go out and buy a bottle of wine...is this totally out of spirit of the thread? (Very new to mumsnet, correct me on etiquette if this is out of line!)

Thatsinteresting Fri 08-Nov-13 19:15:28

Hope you're feeling better Helena. That sounds pretty awful.

Far too much on monthly shop, £150ish as loads of stuff like mouthwash, toilet roll, kitchen roll and washing powder all ran out at the same time. I've meal planned so we should be ok.

£30 at the hairdressers. I can't remember the last time I had it cut so it was long overdue.

CremeEggThief Fri 08-Nov-13 19:17:02

£4.70 today- or it will be after 9 p.m., when I've picked DS up from Scouts and we've caught the bus home!

Hope you feel better soon, Helena wine

ilovepicnmix Fri 08-Nov-13 19:26:10

Oh dear turnoff. That's a whopper! Were you expecting it? I reckon a bottle of wine will soften the blow and then back to frugality tomorrow.

£3.63 on a few random bits and bobs in b&m.

Turnoffthelights Fri 08-Nov-13 19:41:38

Thank you picnmix. Think maybe I was expecting it as had almost queried a DD mistake on April's bill but as it was kind to my budget at that time sort of ignored it. I'm usually so frugal; lurk on here, a girl called jack, mortgage free in 3, turn off everything, budget for everything, sitting in dressing gown with heating off etc. I blame my cravings for deep hot baths when pregnant and having a winter baby! Trouble is, when you budget to within an inch of your income successfully, a big expenditure is hard to take.

Anyway, enough about me...after lots of lurking would just like to say 'well done all' these threads keep me inspired, amused and ever resourceful. Good to know even when TSHTF there is someone else out there paying for a pint of milk in pennies from the jar with a satisfied smile on their face!

Possiblyorange Fri 08-Nov-13 21:07:11

Turnoff I would probably get a bottle of wine after a bill like that! What a nightmare. Would it be worth asking for a slight increase in DD to avoid it happening next year too?

Did well with prep for our long car journey today, so didn't end up buying anything en route, which was good. Did indulge in a 59p packet of Lidl twix-alikes earlier today though, so we polished those off in the car.

Am feeling peeved as I made a batch of bottom-of-the-fridge soup yesterday evening and left it out on top of the hob and now we are away till Sunday night, so suspect it will be off before we get back sad

Helenagrace Fri 08-Nov-13 23:25:53

Not an NSD but managed to enter Waitrose with a list and leave with only the things on the list so that's quite a breakthrough for me.

My eye is slowly improving. I've only had diclofenac today instead of a whole load of painkillers. Really pleased and hopeful I can avoid an injection into my eye.

ilovepicnmix Sat 09-Nov-13 07:22:33

Grrrr possibly. That is annoying. Is there anyone with a key who could fridge or freezer it for you?

Possiblyorange Sat 09-Nov-13 08:21:25

Unfortunately not ilove - we love 200 miles from nearest family and no local friends have keys. So bloody annoying, although no major drama in the grand scheme of things I suppose.

Need to get some puzzle books today for train journey with DC1 next week, but there are a couple of cheapy bargain book shops in the town we're staying in so am hoping to only spend a few quid.

northender Sat 09-Nov-13 08:24:05

Welcome turnoff, stick with us, we're a friendly bunch smile.
Last night was spendy as dh and I went to a concert with some friends but it was budgeted for (and worth it, the concert was brilliant!)
This week should be okay, I'm trying to get a Christmas present a week out of the ordinary budget to leave the Christmas budget to cover the laptop and tablet for the dc's Christmas. They are not used to such extravagance at Christmas but ds is at high school now so a laptop would make things much easier. The tab for dd will be a budget one!
Food shopping today and then shopping for clothes with dd. She has her birthday at the end of the month so the shopping is budgeted for and partly funded by Nan wink
Have a good weekend everyone

Fluffycloudland77 Sat 09-Nov-13 08:51:41

I love my spin dryer. I put washing on an airer overnight in a room with no heating and the trickle vents open and it's dry.

Usually it would still be damp.

Hopefully a NSD today.

Turnoffthelights Sat 09-Nov-13 11:32:00

Thank you Northender! I'm travelling to London for a friend's party today. Trying to keep it as frugal as I can. I'm going by megabus £8 return, already have money on my Oyster card so that's travel covered. I'd usually get a lift to the coach stop from OH but he has taken dd to grandparents so instead of the tempting notion of a taxi (raining and coach stop in an awkward place) I'm getting the bus part way, £2.30, then a half hour walk (comfy shoes and umbrella at the ready). I have a lunch packed and have even decanted the rest of the bottle of wine into an old sprite bottle to drink whilst getting ready later tonight!

Good idea about getting something each week for Christmas. I'm mostly sorted for presents but we're hosting this year so need to start thinking about dinner and all the trimmings.

monikar Sat 09-Nov-13 13:58:48

Fluffy that is good going for washing in a room with no heaters. I hang all my washing on airers and in hangers in doorways (so attractive) but it usually takes about 24 hours to dry. My only concern with a spin dryer would be the creases. Does it crease clothes more? I really hate ironing.

Fluffycloudland77 Sat 09-Nov-13 14:04:42

Too soon to tell atm, I fold before it goes in so so far it's ok.

monikar Sat 09-Nov-13 14:09:21

I hadn't thought of folding it first - that is a good idea.

Possiblyorange Sat 09-Nov-13 14:17:36

turnoff well done on planning a cheap party outing! I have been doing similar for a weekend in London in a couple of weeks - have managed to get a refund on hotel booking and am staying with a relative instead, and am going by national express rather than train (a whopping £50 cheaper!!).

Having an inadvertent NSD by dint of not leaving the house. DH is out with the DCs, hope he has managed it too.

I have my eyes on a sum I need to make by the 18th (basically, our rent plus a bit extra) as that's always where we slip into our overdraft (much of DH's salary goes on nanny salary at end of month, and I'm the one not being rigorous about earning enough from my self employed work to make the rent by mid-month). Might need to do some mad eBay listing on Sunday/Monday to make it happen, but am determined not to slip into the OD this time, for the first time in a year.

monikar Sat 09-Nov-13 14:38:15

Possibly I need to do some eBay listing too - I keep putting it off. A friend of mine who is very successful at eBaying said that it is best to list stuff to end at about 8pm on a Sunday night as that attracts the most viewers. Most people are in on a Sunday evening, getting ready for work and school and are more likely to be on their computers than other nights of the week. I have tried this a few times and it has worked well.

Possiblyorange Sat 09-Nov-13 15:05:58

I have a few bits scheduled to start tomorrow - the debate is really whether to start the remaining stuff on mon/tue or schedule it for next weekend. Suppose I could do a shorter listing, but never seem to get the same number of watchers/bids on a 3 day listing.

stiffstink Sat 09-Nov-13 15:13:03

I list at around 8pm on a Thursday for 10 days so its on for two weekends. Usually aim to list at 8pm ish so that its ending at 8pm on the second Sunday.

CremeEggThief Sat 09-Nov-13 15:19:07

Free Listings on eBay this weekend, all!

monikar Sat 09-Nov-13 15:25:19

I don't think a 3 day listing is worth it really - I never get the same interest as with the 7 or 10 days.

SolidGold Sat 09-Nov-13 15:57:39

I need to do some ebaying too. Thanks for the tip about listing to end Sunday evening. Is anyone else finding that a lot of stuff doesn't sell anymore? I used to sell books and CDs, but it is difficult to get anything for them now it seems. What sort of things does everyone here sell?

stiffstink Sat 09-Nov-13 16:27:58

I haven't sold for a while but mainly branded clothing, particularly dresses. I tend to buy Monsoon etc as they have a good resale value on ebay, or at least they used to.

Depending on the colours, I list according to events eg bright colours have wedding/races in the title and anything sparkly is listed using words like Christmas/New Year/ball.

I must admit that I can't be arsed with the queues in the Post Office and everything we are decluttering is being stockpiled in the spare room for a car boot or two next spring.

Fluffycloudland77 Sat 09-Nov-13 17:03:03

49p on rick steins India kindle book. The reviews reckon once you've stocked up on the core spices you're set so we will see. The tesco here has an ethnic section with big packs of spices for pennies. No Asian supermarkets round here.

Probably pay for dh to have a takeaway later but kebab and chips is only £3-4 here.

Fluffycloudland77 Sat 09-Nov-13 17:14:31

Got a rachel Allen one too, 49p.

God bless hot uk deals, they come up with the goods.

Possiblyorange Sat 09-Nov-13 18:53:37

I find only things like branded clothes, good bundles of clothes, 'big' things etc sell well now, it's not worth it for books/CDs etc.

SolidGold Sat 09-Nov-13 20:00:17

Thanks smile When dcs were younger I used to get lots for their clothes and shoes, now youngest is 12 and her clothes are no longer so immaculate as she wears them longer so I mainly send them to the charity shop. However, I'm starting to sort through the toys she doesn't play with, so might get something for them.

ilovepicnmix Sat 09-Nov-13 20:02:22

Evening all. Spent £9.50 in Tesco and reckon, other than milk, that should do me till next weekend. I had a pack of mince in the freezer, bought last week, so made a huge chilli in the slow cooker today.

This afternoon I spent £5.15 to get into a local attraction and a ball for DS. The friend I went with owed me a tenner, which I'd forgotten about, so that was a nice surprise.

CremeEggThief Sat 09-Nov-13 20:11:49

£2.50 on cheesy chips from the chippy grin. Nom, nom, nom!

CremeEggThief Sat 09-Nov-13 20:17:31

I sell DS' s old toys mainly- Lego; Playmobil; Meccano. Also board games and playing cards/ Top Trumps always seem to go for me. I've also sold a few pairs of my boots and shoes, household items and a Pandora bracelet.

God, it sounds like I love eBay, but I really, really don't!

BlackberrySeason Sat 09-Nov-13 21:02:10

We spent way too much today hmm ended up having to invite young family friend for breakfast out which was £43 for 3 adults and a toddler shock

Also then DS somehow went through his clothes with a giant wee and I realised I had stupidly forgotten to pack a change. We were miles from home so had to buy a whole new outfit for him and that was £17.50 hmm

So £60 which was more than our budget for the whole weekend!

Fluffycloudland77 Sat 09-Nov-13 21:05:27

Used shoes go well on eBay, if you know what I mean wink

SolidGold Sat 09-Nov-13 21:17:10

I have lots of Lego but all jumbled together. Don't think I could split into separate kits, as we no longer have most of the boxes, so not sure I can sell it on eBay, except as a job lot. We have lots of Barbies and similar, also lots of Buildabears. They might sell?

monikar Sat 09-Nov-13 22:21:21

Solid I have never tried selling Buildabears but they are expensive to start with and are a well-known brand so I would think they would be a good seller. In my experience the Barbies themselves don't sell so well, but the outfits and accessories do. It is difficult to remember which bits go with which dress but DD always remembered, somehow! Now DD is older I have a lot of GCSE textbooks which I have paid a lot of money for - I have been very disappointed that these haven't sold at all in eBay. Someone told me that you can sell this for a reasonable amount on Amazon so I need to investigate that.

CremeEggThief Sun 10-Nov-13 00:31:42

Fluffy, I think I need to make mine sound more used/worn than they actually are, as the ones that have only been worn a handful of times don't seem to be selling for me wink.

AdoraBell Sun 10-Nov-13 02:28:04

2 NSDs, Fri & Sat, probably another Tomorrow.

NK5BM3 Sun 10-Nov-13 08:29:45

Had a couple of NSDs towards the end of the week. Did the weekly shop yesterday and spent about £20? At sainsburys. Didn't get any meat though as we have a freezer full. So this week I'll be trying to reduce the freezer and eat our way through it. Bought bread, fruit, veg, noodles and some other things like cleaning products and deodorant. Lets see how I go.

Fishandjam Sun 10-Nov-13 08:56:33

Can I join?

DH and I realised that we're ever so slightly overdrawn at the end of each month. When we did a monthly income/outgoings assessment, we were really shocked - a quarter of our income is going on car payments, and diesel. (DH has a long commute, and mine is long-ish.) A QUARTER! So we're looking to get out of the finance deal on my car, at least. Then it'll be getting comparative quotes on car and household insurance, as like most people we just carry on year to year with the same providers.

To my great distress, we've also cancelled our weekly cleaner <weeps>.

I'm trying to have as many NSDs as I can too.

Artemis, I loved your tip for freezing salad for soup!

Fluffycloudland77 Sun 10-Nov-13 09:19:40

Fishandjam, write to the car finance company and ask what your voluntary termination figure is. Basically once you've paid off a certain figure on the car you can hand them back with no fees. It's in the T&C.

But there is a caveat. The car goes to a company who assess the condition of the car and any excess mileage. If they do invent or exaggerate damage you have to fight your corner. They did it to me but dh rang them up and they only charged excess mileage.

Should be a NSD today.

claretandamberforever Sun 10-Nov-13 12:35:44

Hello ladies, I've not managed to get on Mumsnet on my laptop for a few days (busy) and I'm useless at typing replies on my phone so I've been a bit quiet. Just spent a bit of time this morning updating my spends spreadsheet with the receipts in my purse. Still being a budgeteering ninja though and tracking everything so I know exactly where I am with money.

Did well with my shopping this week; I went to Farmfoods without a list so just chucked some items which would form the main part of a meal into the basket as they're always cheaper than buying them in the supermarket. I spent £43 something in there and when I got home I wrote down what I had got, did a meal plan, and bought the rest of the stuff to make full meals, pop and sandwich stuff from Morrisons the next day spending £41 something so I've got £181 (ish) left in my grocery account and have enough evening meals to last until 21st November so I certainly shouldn't need to spend all of that £181 this month (woo).

Petrol budget has £178.20 remaining in it; no idea whether all of this will get used or not. Not sure whether DH will have any work mileage this month to bulk up the funds a bit. 18 days to get through until payday. 1 full tank tends to last DH around 12 days and me around 22 days. His tank is bigger than mine and I'm a better driver than he is ;-)

Everything else budget is approximately £310 left and I have a night out to go on this Friday and have spent £60 on clothes for myself this month which is a bit naughty of me although I desperately needed some new knickers as mine were falling to bits and I have worn the denim skirt every day since I bought it. (#Justification) but I do need to say to myself "Claret, your MOT is due on 23rd November, how are you going to pay for it, with fresh air?" every time I think of spending frivolously.

Still haven't bought any Christmas presents and DH is due a bonus which we hope he will get at the end of November, but if not, it'll be the end of December so my presents will have to go on the credit card until the bonus comes through. I'm not going mad this year anyway.

I'll have a read back of the thread now.

monikar Sun 10-Nov-13 13:01:01

claret You have made me feel better as I haven't bought any Christmas presents yet either!

I was discussing with DD 17 yesterday what she would like for Christmas - I normally get her one main present and then a few little bits to open. Now she is older I can tailor the little things to items she can use which she would otherwise spend her own money on, which I know she will like. She has asked me for some stationery bits - I love stationery. I also am not going mad this year as we have had an expensive year all round.

claretandamberforever Sun 10-Nov-13 13:13:39

I'm here Monikar just to make people feel better about themselves :-D

monikar Sun 10-Nov-13 13:37:32

claret I am surrounded by people IRL who have everything bought and some have even wrapped it all up already - how depressing is that grin .

northender Sun 10-Nov-13 16:01:23

I'm going to struggle to get any Christmas bits out of this week's budget but will do my best. As the dc are getting major presents at Christmas, there won't be much extra to fill their stockings. I was thinking of getting some freebie perfume/cosmetic samples. Does anyone know do they give them out at the counters in Boots/Debenhams etc?

NK5BM3 Sun 10-Nov-13 16:07:36

Went to town for church. Ended up having lunch out. £40 (for 4 of us). Went to m&s to get thermals for kids and underwear - £35? H&m for DD's clothes £26? Clark's was a frightful £62 for 2 pairs of shoes for the boy. Argh. I'm depressed.

I'm flying out of here on work a week Monday for a week. I'm going to have to stock up on food for everyone next week. I've also got a couple of hours now to cook my way through some food. Leftovers will be frozen or eaten as lunches. Whatever else well, dh will have to sort out. Lol. Oh dear.

CremeEggThief Sun 10-Nov-13 16:21:52

NSD. First of the month smile.

Fluffycloudland77 Sun 10-Nov-13 18:54:44

£2 on a cider.

So glad some of you are buying thermal undies. It does make a difference, we hardly have the heating on before 5pm most days now.

ilovepicnmix Sun 10-Nov-13 19:16:29

We went to a local wildlife park today sp that was £10 in. Took our own lunch but I bought drinks for me and friends which was £6 something. We went in their car though so no petrol spend for me. £1.99 in the gift shop but DS but that's put away in drawer for his stocking now he's in bed grin He's too young to remember what's he got.

Ememem84 Sun 10-Nov-13 22:18:20

Today was a NSd in our house. And am selling things on eBay. So have made £25 today. Dinner out at mils. And as she's off on holibobs this week she gave us all the leftovers to do something with. Cold lamb. Mmmm. I smell a lamb korma.

AdoraBell Mon 11-Nov-13 01:55:53

NSD Today. Probably another Tomorrow as DD1 now has this cold virus that's doing the rounds. Will catch up properly Tomorrow.

Thatsinteresting Mon 11-Nov-13 06:12:38

Out and about this weekend, took packed lunch and resisted all the 'but I need' pleas. Had a couple of birthday parties to attend but Card Factory cards and presents bought ages ago at 70% off kept the cost down.

I cooked 2 different soups this weekend as my carrots were starting to look a bit sad. It's portioned up and in the freezer. I also bought a 3 pack of courgettes from Aldi but I only needed 1 so the others went in a cake. In future I might be better off walking the extra 20m to Sainsbury's and buying a single courgette. But would I be able to just buy 1 thing?

Helenagrace Mon 11-Nov-13 07:28:49

Must investigate thermal undies! I've found thermal tights from Asda to be good. They do keep you toasty. I wear them on Mondays because I sing in a choir on Monday nights and we rehearse in a church - boy it's chilly!!!!

Spendy weekend for DH's birthday but it was less than we usually spend.

Need to get to Argos to spend my free £40 before it expires.

Possiblyorange Mon 11-Nov-13 08:35:37

Cheap weekend apart from fuel for us - long drive both ways but PIL were really generous and bought our lunch out and the DCs a couple of needed new bits of clothing, so I don't feel we've done too badly!

No bids yet on the eBay items I listed yesterday night (impatient, me?!), but hoping to get a bunch more stuff listed this week. I also have some fabric to sell (on etsy, I have a fabric shop on there, but need to clear some of my own fabric!) but need to find the time to put them together and photograph. Have rent looming over me next week!

Possiblyorange Mon 11-Nov-13 08:36:17

I love thermals normally, but am pg so nothing fits. Luckily I am growing my own personal hot water bottle though grin

monikar Mon 11-Nov-13 09:24:54

Helen I have bought the Asda thermal tights too and they are great.

In fact I find Asda really good for clothes for me and for DD - I went this morning and to my delight found they had a sale on. DD has an interview on Wednesday so I bought her a blouse in their sale for £6. Hope she likes it and it fits.

Fluffycloudland77 Mon 11-Nov-13 12:12:18

I can vouch for this range

If you register you usually get 15% off as well, delivery is very fast too.

Expensive weekend for us in laws stayed n we paid for dinner out on one night although with a voucher cost £60 for 4 adults n toddler n all adults had ribs . No alcohol though.

They did buy the meat for Sun lunch n we have some left so that's dinner tonight

they also treated us to tea n cake at cafe yesterday lunchtime.

Turnoffthelights Mon 11-Nov-13 18:27:20

Ooh, was day dreaming about a pair of thermal tights whilst feeling the cold earlier today - pleased to know I can get them in Asda, maybe not as pricey as I thought.

Really quite pleased with my overall spend on London trip; £1.50 bus fair, £2.88 on a couple of fancy dress items, £7.50 on drinks, £1.09 on munchies on the way home!

Ohhelpohnoitsa Mon 11-Nov-13 18:32:28

Its our cc cut off / statement day on Wednesday & we budget 1000 for shopping, petrol. and bits n bobs but we have gone over by about £100 - new pe trainers needed and new shoes & 2 trips to themw parks over half term. wull need to tightwn belts this month for christmas shopping.....

shortscotty Mon 11-Nov-13 18:36:59

£7 on posting 2 letters and buying 2nd class stamps for Christmas cards. Oh and also £20 on couple of bear clothes for Christmas, still save £10 from brand new at Build a Bear so thats a reult I suppose

CremeEggThief Mon 11-Nov-13 20:07:44

Wow, turnoffthelights, that's brilliant. I always, always go over budget whenever I go to London!

Just over £35 on food shopping from Lidl and Tesco. That includes shower gel, toilet roll and kitchen roll, cat food, toilet cleaner and a box of Christmas cards. I'll need to spend another £10 or so on Friday for some fresh veg and wine at the weekend.

ilovepicnmix Mon 11-Nov-13 20:44:40

£1 into softplay this morning - there are some benefits to DS not walking yet grin £10.11 in Aldi. Got some of their 'butcher' sausages which were on offer at 99p. I've just had them and they weren't bad for cheapo sausages.

I've just tried to pay for my road tax online but it wouldn't let me saying I had no insurance. After my blood running cold thinking I'd been driving for 10 months without insurance I remembered that my registration has changed but I hadnt told my insurers. Whoops! I'm amazed I've not been pulled by the police on their number recognition thing. All sorted now but I can do my tax for a few days.

Fluffycloudland77 Mon 11-Nov-13 20:56:55

£13 on led light bulbs.

AdoraBell Mon 11-Nov-13 21:25:41

Managed To Get a little shopping after school this pm. £30

I still have my old thermal vests but found that my arms were getting really cold a few years ago so had To invest (geddit?) in long sleeved vests too.

Sending £3.20 in To school Tomorrow so a classmate can Go on the school tríp. Her father passed away recently and while the school's insurance país her fees up To age 18 it doesn't cover any other costs. Mother doesn't work so can't afford things like uniform, books, tríps. This year I don't begrudge the £40 extra we contribute for fripperies because it's been unaimously decided To pay for this girl's things.

northender Mon 11-Nov-13 21:41:37

£35 at aldi today. Sorted for the week now I think. Tomorrow should be an NSD

Possiblyorange Mon 11-Nov-13 22:03:15

Spent a couple of quid on postage today, have been flat out working so didn't have the opportunity to spend any money at all really.

Am cycling to my meetings tomorrow, rather than sending DH on the train so I can have the car, which will save a few pounds in train fare/extra fuel, and will mean I feel terribly virtuous.

KinkyDorito Tue 12-Nov-13 06:06:02

I haven't gone thermal yet. I like to walk around with my dressing gown over my clothes and my hood up, like a Jedi.

Possiblyorange Tue 12-Nov-13 07:36:43

Do we think it's fair to keep the heating lowish (18 generally, donor arctic) even though the DCs refuse to wear dressing gowns/slippers etc in the morning? They are 3 and 5 but I'm thinking that's old enough to put on a dressing gown if they're really cold. Every morning they turn them down! Am feeling a bit guilty though, like I should turn it up a bit.

Possiblyorange Tue 12-Nov-13 07:36:59

Donor should be 'so not'

Fluffycloudland77 Tue 12-Nov-13 07:56:47

Surely if they were cold they'd put them on though?

monikar Tue 12-Nov-13 10:39:37

turnoff The thermal tights in Asda I have bought are £4 a pair and they wash really well. I got the 100 denier ones.

Adora I would love long-sleeved thermal vests. I did have one a couple of years ago with short sleeves like a t-shirt but it wore out and I haven't seen them recently.

They have big tins of chocolates in our Asda - Roses etc for £4. I have resisted as I will only eat them if they are in the house. I think the idea is that you save them for Christmas grin .

AdoraBell Tue 12-Nov-13 12:29:32

Our idea, Monikar, is that the goodies get saved for Christmas. Asda's idea, otoh, is that we buy them now because they are cheap, can't resist them and then buy more sweets from Asda so that we actually have them at Christmas.

I'll need to get some more bits today but haven't quite got my head around it yet. DH is having to eek out cash in multiple directions. Not being an arse about it this time though.

I can't see now who has refusenik DCs, but you don't need to turn the heating up. Yes they are young but if you want them to get accustomed to putting on a sweater instead of living in a greenhouse teach while are still young.

Disclaimer. All the bloody supermarkets are the same it's not just Asda

NK5BM3 Tue 12-Nov-13 13:01:51

long sleeve thermals can be found at M&S and also at Uniqlo (Heat tech). warm, and v thin yet it works. smile

Jinty64 Tue 12-Nov-13 14:38:46

Possiblyorange What about buying them each a hooded onesie to go over their pyjamas - I know, more outlay - but ds has a "bear" one from Dunelm mill and wears it all the time. He even wore it to Tesco last week! It's really cosy. Ds is 7 and his doesn't have feet but with littilies you could get ones with feet and save on slippers.

Fluffycloudland77 Tue 12-Nov-13 16:28:38

£10 on petrol but no personal spending.

Thatsinteresting Tue 12-Nov-13 17:20:46

possibly I'm sure children don't feel the cold like we do! My dc happily sit in just pjs while I'm wrapped up.18 degrees is fine, if they're cold they'll soon whine about it.

Couple of quid on playgroup and £1.40 on eggs as I promised I'd bake for Children in Need.

Turnoffthelights Tue 12-Nov-13 18:15:14

NSD! Amazing how now I've started keeping track realise just how many things here and there I buy, e.g could not resist a Gregg's sausage roll yesterday when nipping out for nappies on lunch break (Aldi rather than branded!)

Thanks CremeEgg, I was being extra careful with spending this weekend as it is so easy to overspend on a weekend away with friends. I have another one coming up in December which I know I'll need to top up Oyster for, and it's in a bar in Central London so drinks will not be so cheap. Question - how do all of you manage invites out, arrangements with friends etc? I don't mind sharing my financial situation with friends and perhaps declining on the odd pricey outing but sometimes I feel it's essential e.g. Best friend's birthday next week, invited out to dinner, really don't want to change plans but will still have this huge overdraft looming.

Have been rearranging our Direct Debits so they all come out at beginning of month - a small thing but will make us realise what we really have as available spending each month rather than a rough income/outgoings total.

ilovepicnmix Tue 12-Nov-13 18:46:23

Turnoff - I have a young DS and am a single parent so most of my socialising revolves around children things. Most of my friends have youngish children too so I don't feel left out. When DS is with his dad I should make more of an effort to do stuff but I tend to clean and slob. Both are free! I have missed out on birthday weekends away because of DS but I've been secretly pleased. I am feeling old and boring at the moment.

Today was £6.35 in asda on batteries and loads of reduced bread for the freezer. £12 in petrol too. I need a few NSDs now as I only have a few quid in my weekly budge

CremeEggThief Tue 12-Nov-13 19:47:01

£6 on a haircut for DS and £2.10 at the post office, so £8.10 altogether.

Turnoffthelights Tue 12-Nov-13 19:47:29

I admit to feeling secretly pleased when things are cancelled sometimes...found out today there will not be an official work Xmas party - cost £30 last year.

I do find it hard to say no. I am the first of my uni friends to have a baby, and best friend whose birthday it is has made the decision not to have children, so I do get swept along sometimes with a child-free lifestyle.

I love being old, boring, cleaning and slobbing! I find some of these invites quite anti-social - would much rather be at home watching X-factor on a Saturday night! It's just when it's a birthday/ hen party/ haven't seen you for ages kind of thing I always find myself saying yes when what I'd rather be saying is 'sorry I'd love to see you but I really can't afford it'.

AdoraBell Wed 13-Nov-13 01:45:59

Turnoff could you but away a little each week/month To pay for the social events?

Kinky I can't do the Jedi thingsad, my dressing gown has no hood <wails>

Picked up a few moré bits Today, £20, plus 2 lot's of road tolls as DD had To Go in for an exam, so I collected her before lunch and then back again for DD2. So, hang on, that's, erm - about 3 quid? Brain's shut down.

KinkyDorito Wed 13-Nov-13 05:57:28

Adora you have been cheated!!!

I've just pulled out of the Christmas do because it would cost too much. I'm going to stay with friends in just over a week and that might involve a meal out; I know I'm going to a gig that will be £15. I'm so conscious that every penny counts.

It's like today. DD is going for an operation to have her internal portacath removed (goodbye chemotherapy smile). I should drive, but I won't be able to park anywhere near the bit of the hospital where she will be. This means that when she comes out from her op, I would either have to leave her waiting in the entrance to go and get the car or make her walk to it. As neither of the options are very appealing, I think we'll taxi. So, I'm looking at £20 on travel today. Parking would probably be about £10 though. Sigh.

Thatsinteresting Wed 13-Nov-13 06:13:36

Turnoff if you really can't afford it then don't go. We all have financial blips occasionally and your friends should understand. I was lucky, while pregnant my friends suggested I pay my share of the food bill separately they drink A LOT so now sometimes I split the bill, sometimes I don't. However, since that first pregnancy, some years ago, another couple have had a baby, 3 couples are saving for a house and 1 couple are always broke, so someone's always having tap water! Take a bus rather than a cab, arrive a little late so you miss the pre dinner drink, only have a main course and one glass of wine, leave early and catch another bus. I've done a night out on around a tenner this way. Still saw the birthday girl and had a good time. Oh and we stopped doing birthday presents ages ago!

Old energy supplier owe me somewhere between £100-140 but can't release it as they haven't had figures from new supplier, who I joined 6 weeks ago. New supplier has apologised and said it is their fault, but it'll take another 2/3 weeks to sort out. I'm not impressed but when it does turn up it'll be useful for Christmas shop.

Fluffycloudland77 Wed 13-Nov-13 07:06:04

Email the new suppliers ceo, it worked for Claret & I. You might get a bit of extra compo.

claretandamberforever Wed 13-Nov-13 08:25:06

Petrol Budget: £178.20 remaining
Grocery Budget: £162.98 remaining
Everyday Stuff: £308.81 remaining

EDF have put their prices up by 3.9% according to yesterday's news which is less than it could have been by all accounts. I'm price fixed until June anyway so I'll probably stay until then and compare prices elsewhere.

I'm genuinely saddened at seeing some posts on mumsnet and even some of my friends on facebook that people genuinely cannot afford to heat their homes and are having to choose between heating and eating. It's terrible that people in the UK have to live like this. Heating is not a luxury surely! I know I have been moaning about my fuel bills but at the end of the day I moan because I don't like to spend money on something as boring as gas and electricity. I pray that it's not a very cold winter for people caught in this trap.

Have managed NSD's this week but had to do a bit of top up shopping yesterday. DH got a petrol reimbursement so that went back on my petrol budget. Nothing much to report otherwise..

monikar Wed 13-Nov-13 09:28:44

Turnoff If I can't afford a social outing, then these days I am honest and say I can't afford it. In the past I have made an excuse, but once I got caught out when the outing was then rearranged! Now I think honesty is the best policy and I just say - friends understand and many have agreed with me. I think at this time of year, everyone has a lot of expense whatever their financial situation.

Kinky Really hope you DD's operations goes well today flowers .

claret I know what you mean about the expense of heating. I read online yesterday that this is supposed to be a bad winter. I too am hoping that it is not too cold.

AdoraBell Wed 13-Nov-13 12:50:08

Hope all goes Well Today Kinky, and yes, defo been cheatedsadwink

Don't know why I'm posting now, I should be doing housework as estate agent is bringing people To view laterconfused.

You're right Claret, it shouldn't be a choice between keeping warm or eating.

I've just read a thing on BBC that says fuel price rises in the UK will continúe for 17 years To pay for the upkeep, or up grade -not sure what I read now-, of the infraestructura. Scary. A few yers ago when we had visitors I Sent them back with fleece pyjamas and socks for my sister, much better than posting from here. Hardly weigh anything and I could rely on her recieving them.

Don't think I'll be spending Today as I have no one To leave DD1 with so will have To drag her out To collect DD2. Oh, but I need food for the dogs. I could deposito both DDs in the coffee shop and whizz through the till. That'll be their treat this week, then.

Fluffycloudland77 Wed 13-Nov-13 16:09:40

£1 on dressings but its a business expense, £10 petrol.

No personal spends.

ChaffinchOfDoom Wed 13-Nov-13 16:30:20

I need this thread! marking place.

Possiblyorange Wed 13-Nov-13 19:19:24

Heating vs eating is a v depressing prospect. We're not quite there, thankfully, but things wouldn't need to get a huge amount worse for us to be.

DH and I have started being a bit more honest about social invitations, but have tried to make up for it by inviting people for dinner or meeting in the park with kids or whatever. It has meant both our parents suddenly becoming a bit more generous when we see them as they've realised we can't just automatically pay our way, which is nice smile.

The DCs seem determined to keep up their shorts and t-shirt routine, but I am remaining firm on the heating. They are at least deigning to wear jumpers during the day sometimes now! I'm sure that if they get cold they will put them on eventually. Might get some primark dressing gowns and slippers so at least I don't feel I've spent £££ if they don't get worn (I haven't been inside a Primark for over a decade shock).

Have had a spendy few days, mainly on business expenses, but I am determinedly keeping track of it with YNAB so at least we can see where money is going at the end of the month.

My ebay listings are proving a complete disappointment, don't think I'll get much at all for them. Made a conscious effort to spend the time updating my online shop today (I have an etsy shop) instead of ebay listing and almost immediately made a £60 sale, which is rather more profitable than ebay has been of late!

ilovepicnmix Wed 13-Nov-13 19:40:25

An NSD for me until I paid my road tax. £220. Next month is my insurance.

I live in a new small flat and I'm lucky as it's warm and easy to heat. If it was just me the heating wouldnt be on yet but DS's room is the cold one so his heater is on at night.

Fluffycloudland77 Wed 13-Nov-13 19:57:34

It's going to get colder apparently, where we used to live (rural) it went to -17 one year. That was fun with no central heating.

Possiblyorange Wed 13-Nov-13 20:22:29

I wouldn't be surprised by a v v cold winter actually, even though I am normally very dismissive of weather reports.

I am going to try to track down a couple of cheap plastic crates tomorrow to start putting stuff in for Christmas. I currently have two bottles of fizz and some cake sprinkles cluttering up my sideboard, and if I buy anything like mince pies or stollen it won't have a chance to clutter up the side if it isn't hidden immediately!

Turnoffthelights Wed 13-Nov-13 20:45:50

Kinky - really hope you got that taxi, some things are just worth it xx

Thanks for the reality check everyone. It's silly to be so careful day in day out, budget loo paper, hanging out in dressing gown etc, just to go and blow the savings on a night out.

Fairly spendy day. £1.50 bus fair, £3.50 lunch, £18 dentist, £0.60 milk.

As well as thinking about what I've spent each day I'd also like to keep note of frugal things I have done each day to make myself feel better!

3 Frugal Things:
1) walked home rather than catching bus
2) avoided weekly grocery shop (except nappies and milk) for the third day by making creative dinners out of the bottom of the cupboard/fridge/freezer
3) have emailed friends I'm seeing in December to tell them how I really can't spend too much money. Have suggested all food eaten at home and asked not to be in on rounds so I can just go for water or soft drinks

KinkyDorito Thu 14-Nov-13 06:17:44

Thanks all thanks.

I managed to get a parking space outside for... £11!!! Jeez, they know how to charge. Hopefully that gets put back into the hospital budget and doesn't get spent on some executive's bonus.

Anyway, she's had her op but is feeling quite sore and grotty after it so she wasn't able to go to her grandparents. That means I'm off with her today. In terms of money, I'll be down 2 days' pay. But, as Turnoff rightly says, some things are worth it. I'm hoping that the removal of the port is a sign that once and for all we are out of the cancer years. It's been three years of hell. That's what's created many of the financial issues, as I've lost lots of pay due to absence and spent lots of money on tat due to developing a 'sod it' mentality. Social worker (we get one with a child's cancer DX) told me that it's not uncommon for families of cancer patients to get into debt because you just stop caring. Some of the things she's had to go through, we've had to go through, are so horrible. And we've lost many children who we met, which makes it even tougher. I treated my two continually.

So, the port is out, she's just starting her GCSEs (after being held back a year) and I'm due to begin a new job in January. Praying it is the beginning of a kinder time for all of us.

ilovepicnmix Thu 14-Nov-13 06:25:17

Morning kinky. I hope it is too! You certainly deserve it.

monikar Thu 14-Nov-13 11:37:17

Kinky I'm pleased your DD's operation is over and hope she feels a bit better today. Three years is a long time for you all to suffer. I will pray for you that this is the start of a happier time for you all flowers .

Possibly Do you have a Poundstretcher near you? Ours always has lots of plastic crates piled up outside. It is a good idea to start stowing away stuff for Christmas. I usually hide all my stuff under the stairs so other people don't see it and start eating it. Also, they have flannelette pyjamas in Primark for about £5 a pair which I have bought before for DD which are lovely and cosy plus they wash really well.

CremeEggThief Thu 14-Nov-13 13:15:41

thanks for kinky and your DD.

CremeEggThief Thu 14-Nov-13 15:39:58

NSD. In for the day now.

Turnoffthelights Thu 14-Nov-13 17:35:30

NSD!

3 Frugal Things:
1) chased up some paperwork needed to be paid for some work I did back in January!
2) signed up to childcare voucher scheme
3) cancelled weight watchers online direct debit

Response from friends has been great. One has just taken a new job for a charity which she'll love but means significant pay cut and another is saving for her wedding so both happy to join me in low cost evening.

Fluffycloudland77 Thu 14-Nov-13 18:29:46

£1 micro pore tape for work
£1 scrubby gloves
£1 nair cream
£10 eyebrow thread
£15 petrol
£6 food for hospital appt
£21 powder. Sick of cheap powders but this will last me 2 years
£5 Hugh Fearnly whittingstill veg everyday book off amazon,

£2 parking.

Possiblyorange Thu 14-Nov-13 18:49:44

kinky I'm glad the operation is over and hope your DD is feeling less grotty now.

Monikar thanks for the poundstretcher tip - have no idea if there's one in town but will look tomorrow. And will look in primark too.

Had a far cheaper day than expected today - did food shopping in Aldi but my lovely mum (visiting for a day or two) paid for everything except the Christmas extras I had in the trolley, so I only spent £16 instead of £56. Bought some nice Christmas decorations, a bottle of red and a marzipan stollen for Christmas. My hypothetical box is getting fuller, now I need to find the poundstretcher and find a box! No other spends today which is nice after a spendy couple of days.

Possiblyorange Thu 14-Nov-13 18:51:38

Turnoff I'm glad your friends are being good. I've found some friends are pleased to have an excuse not to spend too.

Fluffy I've got the veg everyday book, have had some really good meals from it, not had a duff recipe from it yet.

ilovepicnmix Thu 14-Nov-13 19:30:34

NSD for me today. Payday tomorrow so just worked out my weekly budget for the next month. It's always tight but I like to put some away for a rainy day and tax, mot and insurance which I pay in oners.

ilovepicnmix Thu 14-Nov-13 20:37:24

Aaaaah. I think my fridge is broken!!! It's definitely not very cold but the freezer half is fine. I could weep. This is going to be hassle and money isn't it?

Turnoffthelights Thu 14-Nov-13 21:19:44

possibly orange I love it when my mum visits! she takes one look at the bare cupboards and immediately fills them (I can't bare too much in cupboards or fridge but i let her carry on!) my parents are coming for Christmas so will definitely treat them. I keep almost buying stuff but I know I will consume it before December 25th!
Oh dear picnmix could the dial have been knocked and accidentally turned down? Really hope it's not the end of the fridge. When ours broke we went for a fairly basic range - Beko - which has been fine but sometimes there is an argument for getting what you pay for. Our freezer is also cheap range - Cato - and it's rubbish! The dishwasher from the same range was so bad we had to sell it on ebay and replace. Therefore fluffy I think investing in a good powder is well worth it!

ilovepicnmix Thu 14-Nov-13 21:40:05

No it's definitely not that turnoff. I've been suspicious of it for a few days but my DS's milk was like cottage cheese tonight just a few minutes after being warmed up. I reckon I can manage to leave it till Monday to get someone out so at least I won't have to take time off work (I don't work mons or tues). Maybe it'll be fixable but im preparing myself for the worst. It's integrated too so more expensive. Oh well. Guess this is the rainy day I've been saving for.

Fishandjam Thu 14-Nov-13 22:06:27

Due to a bout of flu with vomiting, I've had 4 NSDs this week! Every cloud, and all that.

Sorry to hear about your fridge picnmix. We have a rainy day fund for things like that too...

NK5BM3 Thu 14-Nov-13 22:36:28

A few NSDs. But just got letter from bank re mortgage. It's going up £100 more! Argh. I was thinking that things will be better with my dd turning 3 and getting the 15h free nursery in January and we will also stop paying for our kitchen in installments £125. And now this 'savings' will go to the mortgage. Great.

Am v stressed at the moment as I need to apply for my job again (promotion etc). Not too much of a problem but it's eating up into my time to do all the other work I need to get done anyway. I only left work an hour ago - I'm meant to be working a normal 9-5 job!

Helenagrace Thu 14-Nov-13 23:58:03

Glad the op has gone ok kinky and sorry about the fridge picnmix.

Had a couple if NSDs here this week.

Planning to get the stockings out of the garage this weekend so I can see what I need. Usually I estimate and then have masses too much. Not this year. I also need to find last year's Christmas cards as I think I may not need too many.

I usually buy a new board game for us to play on Christmas Eve but they seem so expensive this year!

Hoping for an NSD tomorrow. Going into London on Saturday so that won't be cheap though.

AdoraBell Fri 15-Nov-13 02:03:51

Kinky very glad the OP went Well.

That's a paín picnmix, hope you can Get it fixed.

Had To Get yet moré stuff Today, having DD at home has made plannng my shopping difficult as I need To dash in quickly and then forgot most of what I need. So another £12 Today. Hopefuly she'll be back in school next week and I can Get some peace be properly organised.

We are not getting the Christmas things out úntil DH is back from his tríp in Dec, he leaves this weekend. I have started the shopping though. Got a bar of Lindt dark Orange choc for DD2's stocking, DD1 will have the mint versión.

Possiblyorange Fri 15-Nov-13 14:32:04

picnmix what a nightmare! It's times like that I'm glad we rent - we are too close to the bone still to have a decent rainy day fund, so we'll done for at least having it.

Fish hope you're feeling better now.

NK5 can you shop around for a new mortgage! or are you still locked in?

Off to London for the weekend with DS1, am horribly ill (just a nasty cold, but I feel like crap) but can't back out as he has been looking forward to it for ages. Have got picnic for the train up there and sister is providing packed lunches etc when we're there, so although I know we'll end up spending on some treats I'm hoping it won't be too expensive a weekend.

CremeEggThief Fri 15-Nov-13 16:05:19

Fairly spendy day here. £15.91 on food shop, £1 C.I.N. donation for DS' s school, £10 deposit for a Christmas Eve meal out in a naice pub, £10 D.E.C. donation and will need to spend £3 on bus fares to and from Scouts later. So, £39.91 total.

Hope everyone has a nice weekend smile. I think it's another free listings one on eBay, if anyone needs to sell some stuff.

Fluffycloudland77 Fri 15-Nov-13 16:45:02

The only thing I have left to sell is my body. I don't think dh would approve of that.

I hope you feel better soon orange.

Possiblyorange Fri 15-Nov-13 16:54:51

Yay, my old sewing machine has already got its opening bid on eBay - only listed it last night. Ok, it's only a tenner, but every little counts, right? Plus it's one more bulky thing that is definitely leaving the house, and that always makes me happy grin

Turnoffthelights Fri 15-Nov-13 17:20:13

NK5 I really feel for you with the mortgage! it's such a changeable expense. Hopefully you can cover the extra £100 out of your kitchen money and be fixed for a while, perhaps avoiding the dreaded interest hike that could be just around the corner.

Strictly speaking I haven't had any spends today. DH filled the car up with petrol last night so that's about £65. Also I paid nursery bill - not sure if this is the type of thing others keep track of or just day to day expenses?

3 frugal things: 1) have tracked gas and elec usage from the meters all week, challenge to use less over this week! 2) cancelled old union subscription. 3) have wrapped a few presents already bought for my mum for Christmas for her birthday at the weekend, will need to re-stock but can hopefully shop around for some bargains.

Enjoy your weekends everyone!

ilovepicnmix Fri 15-Nov-13 19:40:37

NK5 - that is rotten about your mortgage.

Today I put £20 petrol in the car, £5 for DS's CIN contribution and £5 deposit for my work Christmas do. We're just going out for a curry so it shouldn't be too expensive.

Fridge update - I was going to have to pay £100 for someone to come and look at! However someone at work suggested that it might be something to do with the compressor and that I defrosted it recently. He suggested switching it off for a while and then see if that does the trick. Unlikely but worth a go. I've just switched it back on sp fingers crossed. I've noticed a crack on the inside back of it also so have gaffer taped that up. If that doesn't work then im going to manage without the fridge until I've eaten everything in the freezer. I figure I only really really need fresh milk so that is currently on my window ledge. However, I live in a flat so I've secured it with string so it doesn't fall and lamp someone. What a palaver!

BlackberrySeason Fri 15-Nov-13 19:56:22

Could cry sad

Today DH was sacked. I had already put massive effort into budgeting to save enough to cope with his 40% salary cut and now he has no income at all. I have a job, but pt.

We have some savings so will be fine, but feeling v down now - sorry for the self pitying post.

ilovepicnmix Fri 15-Nov-13 19:59:54

Shit blackberry! You pity away. What's his chances of getting another job quickly?

Fluffycloudland77 Fri 15-Nov-13 20:08:21

Oh bugger. Will he get a good reference?

It's always before Christmas isn't it? I'm so sorry blackberry.

AdoraBell Fri 15-Nov-13 20:43:55

Don't apologise Blackberry. That's really crap, fingers crossed for finding another job.

NSD other than road tolls today, two lots coz I forgot DD2 is late back today so I'll be going out, again, soon to have another go at collecting her.

NK5BM3 Fri 15-Nov-13 20:51:48

Omg blackberry. Good luck. Do you know if the company was justified? Does he have recourse?

Thanks for concern re my mortgage. We are going to shop around. Except I don't know how much time we have to do that...! I'm away the whole week for work. Literally like across the world, 12 hr away. Grr

CremeEggThief Fri 15-Nov-13 21:41:00

Oh BlackBerry. sad Have some wine.

BlackberrySeason Fri 15-Nov-13 22:05:31

Thanks so much everyone - DH and I have raided the pile of Xmas presents I bought on Reastie's bargain threads and eaten most of a box of chocs between us. I definitely need wine but am TTC and in the 2ww ATM, so decided to hang on for AF.

He has no recourse at all as he hasn't passed probation - was one week off - and there was no discrimination. It was out of the blue as he's had really good feedback at work in the last few weeks. He's made some mistakes, but nothing I would have seen as a sackable offence. He is really down, but determined to get another job. Sadly the chances aren't high in his field as their isn't much ATM. He was out if work for 8 months before getting this job.

AdoraBell Fri 15-Nov-13 22:20:41

picnmix could you afford, and have space for, a small fridge instead of paying To repair it, and still use the freezer?

We've been waiting nearly three years for someone To look at ours, but this is Latín Américagrin. Sounds the same as our freezer is still working too, just the fridge isn't. DH isn't willing To Get rid of it úntil we sellhmm

DH collected DD2 so I have only wasted Spent £2.40

Next week I'll start looking at Christams food. Still have food in the freezer To eat.

Possiblyorange Sat 16-Nov-13 08:00:49

Oh Blackberry that's awful news, such a facer for you and DH. I 'm sure you know the drill, but make sure he applies for benefits ASAP so the lag before they start isn't too long.

Adora I am grin at three years to get your fridge looked at.

NK5 do your company cover hotel phone bills when you're away? Could you phone or check online for a comparison service first thing or last thing from the hotel/office or wherever you're working?

Unlikely to be a NSD here as we are sightseeing in London, but my dad has given me money to buy DS a souvenir and we will take packed lunches, so hopefully it won't be too bad apart from a coffee shop treat later and tube/bus fares. And maybe a couple of stocking fillers from museum shops if there's something amazing.

monikar Sat 16-Nov-13 11:32:48

Blackberry so sorry to hear your news wine .

ilovepicnmix Sat 16-Nov-13 13:44:15

I have no room for another fridge adora but thanks for the suggestion. I'm going to buy one Mon/tues and hopefully I can get it delivered on Saturday when DS will be at his dad's.

Today I've spent £13.17 in Aldi including nappies and washing tablets. Amazing!

Off to visit friends in a bit and then I'm deliberating taking DS to lights switch on nearby. Im just so used to dinner, bath, in the night garden, bed routine that it seems a hassle. Not sure that at 16 months he'd enjoy it anyway!

Fluffycloudland77 Sat 16-Nov-13 16:19:21

Have you looked on AO.com? I find them quite cheap and you get a little bit of cashback on them too.

£40 aldi
£5 tesco.

CremeEggThief Sat 16-Nov-13 16:40:11

NSD.

ChaffinchOfDoom Sat 16-Nov-13 17:30:34

November is a killer.
3 cousin birthdays shock a 6, 4 and 2 yr olds.
Deposit needed for work xmas do £10.
2 birthday collections at work, Another £10.

have bought a fair few xmas presents, nothing big for the DC as yet, don't know what to plump for to get maximum enjoyment, playmobil vs a magic set for the 7yo, the 5yo is happy with superheroes.

sorry to hear about your DH Blackberry Good luck to him to find something better.

AdoraBell Sat 16-Nov-13 18:07:15

Yes Orange and everytime DH phones they tell him "the engineernis on his way"

Hope you have a lovely time sight seeing. I grew up in London but my DDs haven't seen itsad. I shall remedo that if we ever move back.

NSD for me again, DH bought dog food and DDs looked at swimwear and sándals.

DH had an opportunity To speak To the owner of the car dealership and complain about the telling of porkie pies when he bought the gas guzzler, so it is now on the forecourt for salegrin.

Fluffycloudland77 Sat 16-Nov-13 18:18:38

Oh well done on the car.

The motor trade is full of liars. One of dh old bosses used to say the only good customer was one you'd had fleeced angry

AdoraBell Sat 16-Nov-13 18:24:00

Yep Fluffy, he's been conned in the UK too.

Helenagrace Sun 17-Nov-13 10:38:48

Sorry to hear your news blackberry and well done on the car adora!

We budgeted for a day out in London yesterday but came back with half of our budgetgrin.

Need to do a big shop this week but got away without one last week so about £50 saved there.

Just about to go into the garage in search if leftover Christmas cards - def not buying any if we have some leftover ones!!

claretandamberforever Sun 17-Nov-13 13:22:54

I'm still here. I'm still numbercrunching. Amazon had a load of good books on sale so I bought 9 of them for £8.25. That'll keep me busy for a good month or so.

Went out Friday night for a meal and spent £21 (£20 for the meal and a quid to a cute kid with a bucket dressed in a pudsey bear onesie)

Found out on Thursday that I have got an interview for my old, old place of work where I left three years ago and have regretted it ever since (public sector) - it's a bit more money (but petrol / parking / bus fare would cancel out any rise) but my heart has always been there. Watch my current employers offer me a massive payrise now!

CremeEggThief Sun 17-Nov-13 14:55:46

Ooh, good luck, Claret!

BlackBerry, I hope you and your DH have managed some relaxation this weekend and are ready to put your claim for JSA and other benefits in ASAP.

AdoraBell Sun 17-Nov-13 17:54:54

£5 on naice pastries from the French place at the airport, £3 on parking.

Eating from the freezer again this week so that should keep costs down.

Turnoffthelights Sun 17-Nov-13 18:23:48

Oh dear blackberry hope things look brighter at the start of a new week.

Spent the weekend visiting my mum to celebrate her birthday so £25 on a meal out. £8.67 on a few bits from amazon.

3 Frugal Things: Came home with a bag full of freezer and store cupboard items (my mum is a bit of a food hoarder and is always looking to offload) so shopping bill this week should be fairly low. Also came home with 10 bottles of red wine from my brother! He is moving house and these are fairly old bottles (says 2006 on one of them) so he thinks they'll only be good enough for cooking - any ideas? Will the wine taste awful? Have resisted the urge to have a long soak in the bath; showered and washed hair this morning so it would be a luxury rather than a necessity!

ilovepicnmix Sun 17-Nov-13 19:08:47

Good luck claret!

£9.50 on entry to softplay and lunch there. I need a few LSDs or NSDs now, apart from my fridge freezer purchase.

No idea about the wine turnoff. Crack one open and have a sniff!

CremeEggThief Sun 17-Nov-13 20:47:16

£10.80 on travel.

Fluffycloudland77 Sun 17-Nov-13 21:00:38

Well that's not old for good wines. Try it.

£3 st Moritz fake tan
£5 superdrug Vit e hot cloth cleanser
£1.99 boots botanical lip gloss.

Had our free hot drink and cake at John Lewis grin

AdoraBell Mon 18-Nov-13 01:19:33

Thing is turnoff if it tastes terrible then so will the food if you use it To cook. Open one and see if tastes okay. A lot of wines keep really Well, I'm not going To pretend To be an expert though.

I don't have To resist the urge for a bath as the pump has gone on our hot water tank. I'm waiting for the head honcho To send a pump, he's waiting for a pump.

Helenagrace Mon 18-Nov-13 07:22:27

NSD yesterday yay! Aiming for another one as I have no need for anything today.

claretandamberforever Mon 18-Nov-13 08:23:02

Morning all! Not a particularly spendy weekend - just the grocery shopping yesterday morning and DS2 and I went to Subway before the football for lunch.

Grocery remaining: £102.54
Petrol remaining: £113.20
Everything else remaining: £241.61

11 days to get through til next pay day
5 days til car needs MOT-ing.
1 more grocery shop needed to see us through til pay day.

Need to start Xmas shopping but DH has been told his bonus won't be paid now at the end of November as he'd hoped, and probably not even the end of December so unfortunately this year's Xmas will have to go on the credit card. I have 23 people to buy for including my own two kids so I aim to bring this in at £500 (hopefully well under!). As well as Christmas there are bloody FIVE birthdays too that I have to buy for. I know December happens EVERY year so why do I never prepare? Hopefully next year will be a lot different.

Possiblyorange Mon 18-Nov-13 09:08:53

Morning! I need to go through and see what the damage was from the weekend. If it's <£150 I'll be pleased/vaguely surprised. Hadn't accounted for quite how much food I would have to buy (relative we were staying with lives like a student, so no food AT ALL in the house, so even though everything was supermarket rather than restaurant, I literally had to get everything, down to mayo to make tuna mayo sandwiches).

Turnoff I am enjoying your 3 feudal things, it's giving me good ideas smile.

Need to pay rent today, which is inevitably going to take us into our overdraft, which I am sad about as I bayed some stuff and have tried to be pretty sensible this month. My aim now is to keep working hard to bring our balance back up to £0 before DH gets paid at the end of the month so we have the whole of his salary for next month, iykwim.

Thatsinteresting Mon 18-Nov-13 12:27:04

Turnoff I love your frugal things. Since I gave up work I've updated my dsis almost daily with the frugal things I have done. It gives her ideas and sometimes she sends me suggestions, like when I told her our renewal for breakdown cover with AA was nearly £100 and she told me about autoaid, £39.

Mainly free trips to the park this weekend. I have £45 left for milk and fruit so it's bananas and apples only unless Aldi put something exciting in their Super 6, grapes etc are out.

Possibly if you're less overdrawn than you were last month then progress is being made. Don't feel to disheartened I'm sure all your efforts are worth it, they're just not always visable immediately.

Possiblyorange Mon 18-Nov-13 13:54:36

Good point thatsinteresting we are waaay less overdrawn than this time last month, so I have made progress. In fact we're about a grand better off, despite not having childcare vouchers last month due to a system error at DH's work, so have two lots to use this month, hurrah!

ilovepicnmix Mon 18-Nov-13 19:12:10

Today has been bad.

£6 something on nappies but I had a gift card so not a real spent as such. 70p on a doormat as the property management company here removed my last one as it's a health and safety issue. The winds me up no end as I own my flat and therefore am a director of the company. I pay to have my doormat removed. Aaaargh. £40 on a table and chairs for DS to eat and play at. Not essential but I hope it means I can ditch the highchair as it's so hard to clean. Then £329.49 on fridge freezer and delivery. I didn't think this was too bad really, particularly as it's integrated. I took the insurance at £3.50 as it meant I got £19.99 off the delivery and I can cancel it after one payment. Oh I also got 20% off the table and chairs which should have been £50. Ended the spendy day by putting £35 in my car. That's £20 from next week's budget. Sooooo I have £1.40 in my purse till Friday. Will need to spend £1 on milk tomorrow.

Turnoffthelights Mon 18-Nov-13 19:14:24

Thanks for the words of encouragement! Needed it today as felt like achieving 3 frugal things each day can be tricky but your words inspired me to get on the phone to EDF! So 3frugalthings: changed EDF dd to 1st month, only Virgin to change now. Shopped in Aldi, actually spent more than planned (£28.48) but compared with Tesco, basket was £6 cheaper. Bought extra milk and nappies as these are the items that lead me back to the shops!

One of my long term frugal aims is to keep a running tally like claret as I'm very good at knowing where my money has been but not necessarily where it's going!

northender Mon 18-Nov-13 20:00:22

It's a while since I've been on as we're having problems with our PC. Am desperately hoping our friend can sort it out. If he can it'll cost me a couple of cakes rather than £hundreds on a new PC just before Christmas.
Overall it's not been too bad a couple of weeks for spending. Have paid dinner money for the dc up to Christmas and have got stuff for dd's birthday sorted.
My aim of buying something each week for Christmas hasn't quite worked but I've got a couple of shopping days planned over the next 3 weeks so that should be okay. I've got most presents planned so just need to stick to the list now!
NSD today. Ds has cricket trials tomorrow which cost £3 so will be LSD

CremeEggThief Mon 18-Nov-13 20:18:44

£20.28 at Tesco and £23.05 at Lidl on the weekly shop. Will just need milk and bread until Sunday now. £43.33 total.

busylizzie76 Mon 18-Nov-13 21:42:31

Hi - can I join? (Waving)

I'm a single mum with 2 DCs. Am strictly budgeting to get rid of overdraft and start actually saving! How did I get to this age without actually saving anything shock

Anyway, it's lovely to "meet" you all.

I try to buy everything I need for the week in Saturday and then not spend till the following Saturday....6 NSDs in a row! Managed it for the last 3 weeks grin it helps that I work full time Monday-Friday so not opportunity to spend.

AdoraBell Tue 19-Nov-13 01:25:22

Hi BusyLizzie and welcomesmile

I Spent £16 in the pharmacy, £25 having DD's hair cut, still no hot water To wash it, and far too much but can't remember How much in the supermarket. Also £2 on a coffee just because I had To Get away from the house. I'm hoping for a better day Tomorrow.

Possiblyorange Tue 19-Nov-13 07:52:10

Hi Busylizzie! 6 NSDs in a row is impressive.

Last night was good and bad, money wise, in equal measures. We went to a cheap concert with friends, but the husband kept buying drinks so DH felt he had to reciprocate and ended up (a) hammered (he doesn't drink very often) and (b) spending way more than we intended. However, our nanny didn't charge us babysitting as I gave her an extra half day off a few weeks ago for some appointments, so it all worked out I suppose! Would have loved to save the money entirely, but tickets for concert were booked months before frugality drive so felt we had to go!

Hoping for a LSD today, only have some business posting (am self employed) and won't spend on anything more.

monikar Tue 19-Nov-13 10:58:49

Busylizzie Wow, 6 NSDs in a row! I am impressed that you can go a whole week - I often think the key to not spending is not to go to the shops. Needing milk sends me to the supermarket and then I end up buying other bits I wouldn't necessarily have bought. My mother freezes milk - perhaps I should try this.

claretandamberforever Tue 19-Nov-13 12:44:30

Hey all. Just hanging around the house waiting to go to work - first xmas present purchased today for DS1, a onesie costing £12. I did want to buy him a football kit but our club's website is poor! I kept pressing checkout but then nothing happened so I closed it down in disgust.

Forgive me frugallers because I have sinned. While I was in Asda I bought a sandwich to take into work with me! (and some Sushi, and some sweets) £4.50 - EEK I won't be doing that again.

Has everyone joined up to see film first? I got free tickets last night to go and see 'Saving Mr Banks' which was something I probably wouldn't have gone to see otherwise. I don't get many invites through per year but it's a free night out. Didn't even need to pay for parking (woo).

And my bad, bad pen pal told me about two brilliant books which I looked up on Amazon and HAD. TO. BUY (£3.35 in total). Haven't done my accounting for today and yesterday yet though. Need to book car in for MOT but can't decide whether to get it done this Friday or wait for next Friday?

Possiblyorange Tue 19-Nov-13 16:32:30

monikar we freezer milk - I buy 4 pinters (8 pinters take FOREVER to defrost) and freeze most of them. Our fridge is tiny so we can't have more than one bottle of milk in there at a time.

Have just totted up my expenses for the weekend. £105, including all food (including a supermarket shop as my relative had no food in the house). I had mentally allowed about £100, so I'm not thrilled but not disappointed either.

NSD, and going to do a bit of work tonight to ease my overdraft a bit more, a couple of hours' work in the evening often makes me anywhere from £20-£100 (my etsy shop - a bit of twitter, blogging and relisting items makes people visit). I don't normally have the energy to do it too often thanks to hideous pregnancy exhaustion, but am determined to do it more than I have been.

ilovepicnmix Tue 19-Nov-13 19:16:25

Welcome busylizzie!

I freeze milk too monikar. I have skimmed and DS has full but it's obviously cheaper to buy in bulk. I just decant some and freeze it. It's particularly practical now im managing with my outside fridge (window ledge) till my new one arrives on Saturday.

I bought milk and bananas today for £1.39. Also paid for next batch of swimming lessons for DS at £73.80. That included renewing my city card which gives me various discounts in local attractions. I budgeted for that so it's not out of my weekly budget.

CremeEggThief Tue 19-Nov-13 20:18:59

£10 at a school PTA event. And £17.05 posting eBay parcels, but that was already paid for.

I wish I could freeze milk, but I don't like the taste of it once it's been frozen. We don't use that much here anyway- usually between half and one pint a day for both of us.

CremeEggThief Tue 19-Nov-13 20:19:32

Welcome lizzie smile.

busylizzie76 Tue 19-Nov-13 20:40:39

Hi all,

Thanks for warm welcome smile

NSD for me.....work all day and then went to gold with kids....they have a lesson but it's prepaid as of before half term.....had their tea as a pack up (yellow sticker sausage rolls, basics crisps, fruit and basics penguin style biscuit) and I had tea in a flask. Had stew and red wine at my mums on way home...grin

Am watching Holby and keeping an eye on MODs 'woo' thread too.....it's exciting and scary blush

Fluffycloudland77 Tue 19-Nov-13 21:03:11

Everyone's welcome here.

I know we have lurkers here!

£5 aldi voucher in Thursdays mirror.

busylizzie76 Tue 19-Nov-13 21:14:31

Golf not gold!?

Turnoffthelights Tue 19-Nov-13 23:01:23

NSD today. 3Frugalthings: after keeping an eye on daily gas/elec gas was higher than same time last week, suspect thermostat too high in the day so have reduced to 16degrees. Have been super organised and taken in tmrws lunch today as Weds the only day i cant carry a lunch in and ended up buying an expensive lunch last Weds. Had dinner at friends house this evening and took some homemade shortbread, from store cupboard, as a contribution - greatly received!

Brr, is it me or is it getting cold?! Must. Not. Turn. Heating. Up!

AdoraBell Wed 20-Nov-13 02:48:58

Épica fáil Today blush angry confused

Went shopping after school for PJs for the school tríp. Not a problem as I had things To return. Spent £40, including returning aforementioned ítems.

Also had snacks, £20 for the three of us. Was lovely but not necasseraly To spend that much.

Tomorrow I have To Go into town but can do that while DDs are in school. We now have hot water so providing it doesn't Go again I won't be stuck here waiting for engineers.

AdoraBell Wed 20-Nov-13 02:53:58

And I lost a Pre paíd Pilates class yesterday because the engineer turned up as I was about To leave so I couldn't give the requisit amount of noticeangry.

Possiblyorange Wed 20-Nov-13 07:31:47

Ooh, another bid on my sewing machine! <needs to get out more>

Aiming to only spend on posting today, don't think we need anything else that can't wait till Aldi shop tomorrow.

My lovely stepmother offered to send the DCs advent calendars yesterday, so that's a chunk of money saved (we set the bar high last year with playmobil ones, she is buying Lego ones apparently).

Didn't do much work last night, was absolutely knackered and in bed by 8:45pm, but made a whopping £10. It all helps I suppose...

Possiblyorange Wed 20-Nov-13 07:33:29

Adora meant to say what a shame about the Pilates lesson, that's irritating timing!

turnoff I always find biscuits etc are well received - I have a standby ginger biscuit recipe that I do for anything where we need to take a gift.

monikar Wed 20-Nov-13 09:18:20

Possibly and ilove - I will start freezing my milk I think - I also buy the 4 pints and it would keep me out of the supermarket. Do you defrost by leaving it out on the side or does it defrost in the fridge?

Turnoff it is so cold! I was frozen this morning so I put another big cardigan on over my normal clothes, then a scarf and then an anorak to take DD to the station at 7.30. I had so much bulk on me that I could hardly get my anorak zipped up! I love it when people make me baked things as I never bake so it is always a real treat.

Jinty64 Wed 20-Nov-13 10:39:30

Well 2 NSD's and this should be my third as I am poorly with sore throat and bad cold. One way to save money. I will need to shop on Thursday though as I am away for the weekend with Ds's 2&3 so will have to leave ready meals for ds1 and dh. Hotel paid for months ago but will still be quite a spendy weekend.

Fluffy ALDI voucher in the mirror - will that be in a Scottish paper? I think it was somewhere last time and I missed it.

Possiblyorange Wed 20-Nov-13 10:50:56

monikar I leave it in the sink to defrost overnight. If it's really cold it's still a bit frozen in the morning, so I try to take it out mid-afternoon on winter rather than just before bed, iykwim. Takes about 24 hours to defrost I the fridge IME.

Fluffycloudland77 Wed 20-Nov-13 11:01:44

Its in the record in Scotland.

Jinty64 Wed 20-Nov-13 11:52:52

Thanks Fluffy, worth getting it!

TheBitchesOfWeestick Wed 20-Nov-13 17:54:17

I'm back again...had a frugal breakthrough last night as I cut my own hair for the first time and it looks really good. Admittedly it couldn't have looked much worse than it did pre-cut, but I am so chuffed and can see myself saving £30 x4 over the next year. I even cut a fringe in and it looks great smile Just need to learn how to do DS's with clippers and we'll be hairdresser-free (I can do toddler trims for DD and DH has no hair, lol).

Christmas shopping is going well - we've agreed a £5 limit among adults, with a kind of 'amusing tat' theme - I got Danny Dyer's autobiography for BIL :D Got a great deal from the Book People actually, various bits in their flash sale, plus two codes meant I got three presents delivered for about £11.

DH and I had a long talk at the weekend about our long term financial situation and we've agreed that we need to make next year our crazy megasave year to catch up to where we should be. It will no doubt be painful but if we stick to it, we should hopefully be able to then save like a normal family as of 2015. Quite excited in a strange kind of way hmm

CremeEggThief Wed 20-Nov-13 19:17:21

NSD, but only because the weather has been too awful to nip out for some milk. DS has promised to go for it before school tomorrow, so we'll see.

My John Lewis card and vouchers came today, so looking forward to treating myself to a free coffee and cake next week smile.

AdoraBell Wed 20-Nov-13 19:25:27

Thanks possibly and great result on the advent calendersgrin. I buy Those discusting chocolate ones as we have far too much stuff in this house already.

Had To Go into town proper Today so I made a small start on Christmas shopping, just a few stocking fillers for DDs, cheap but fancy manicura bits and a bar of naice chocolate each. That came To about £14.

Another £8 on purifying whatever -it-is for DD2's turtle, she'll pay me back tho.

£5 contribución for a school BBQ

We've been granted a delay in paying To register DDs for school next year seriously, in what fucking alternativa reality do you have To register them To stay at the same school every year? Oh Yeah, the one I'm living in
because someone said they were going To make on offer on the house, but nada yet.

DDs are having friends sleep over this weekend and DD1 seems To think I'm going To do a 40km round tríp for Pizza Hut pizzas, silly girl, I'm going To buy supermarket pizzas in the nearest supermarket.

Well done on your new hair cut Bitches and good luck with your plans for 2014.

ilovepicnmix Wed 20-Nov-13 20:21:17

Thanks fluffy. Will definitely get the mirror tomorrow so I can fill up my new fridge freezer on Saturday. I've just written my shopping list in fact.

NSD today.

bitchesof - I get a perverse pleasure in working to a tight budget!

ilovepicnmix Wed 20-Nov-13 20:24:23

Anyone know how much the mirror is? Im going to have to raid my copper stash. Newsagent is going to love me.

Fluffycloudland77 Wed 20-Nov-13 20:32:03

50p

ilovepicnmix Wed 20-Nov-13 20:36:22

Thanks again fluffy.

Fluffycloudland77 Wed 20-Nov-13 20:42:43

I'm doubting myself because the mse newsletter didn't mention it but it was on hotdealsuk.

I will be so embarrassed if I'm wrong.

Turnoffthelights Wed 20-Nov-13 21:04:39

possibly and monikar a baker I am not! shortbread is about all I can manage but it was so well received it may become my frugal secret weapon!

bitchesof really interesting you mention 'the budget talk' with partner. I'm currently dropping huge hints about total overhaul of finances come January. My DH is on board to some extent but I think he sees frugality as my hobby rather than a lifestyle necessity. Saying that, the gas bill did give him a shock so he is getting on board. I'm leaving the discussion until the new year as Christmas always throws a spanner in. In the meantime would love some tips on how to get family on board, how to start the discussion etc.

Spent today - £3 bus ticket, £1 birthday card, 50p grapes for dd on way home.
3frugalthings: found emergency birthday present in the present drawer (guiltily admit to some re-gifting in there!), have had glass of water rather than boiling the kettle for tea when I wake up for the third week running! (First cup of tea at work so appreciated!), have talked to best friend about birthday meal this Saturday, we're starting off with drinks at their house (provided by them) to save money.

Helenagrace Thu 21-Nov-13 07:57:20

I always take baked things with me as gifts and they always go down really well. The teachers at DC's schools will be getting fudge and rocky road this year. It went down so well last year. I make cranberry and white chocolate fudge from the tesco website. It's so easy.

Several NSDs this week. Had an eruption at the bank when they blocked my card due to "unusual online activity" erm that would be commonly known as Christmas! Meant I had to put the Sainsburys shop on CC as that was the first I knew of problems with my card (and clearly it's not the bank's responsibility to ring me to tell me oh no!)

northender Thu 21-Nov-13 08:27:55

Will be getting the aldi voucher and going to do the aldi shop tomorrow.
News on the PC isn't great but our friend has fixed it for now and has retrieved music and photos. Will be buying a hard drive straight away and backing everything up regularly. We have lost a lot of stuff though sad . Both our CVs were on there.
Did has her final ear op check up today. Please keep your fingers crossed that it's healed.
Expecting an LSD today

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