Have a fabulous frugal February with the fantastic frugaleers(886 Posts)
As we filled the old thread, thought I'd start a new one for February.
Thanks for starting a shiny new thread, northender .
Checking in! Thank you for all your well wishes!! Pay rise but a heck of a lot more work... Strategic stuff. Damn!!! Ok gotta sleep now. Busy day in London tomorrow. Catch you girls later!!
Signing in, will update later.
Thanks north! Ok, 26 days until payday, my goal is to spend only on essentials - food, direct debits for bills etc.
Any eBay/carboot profits to go off CC debt. Some of it has bids, I have 15 or so more things to sell.
DH has decided to sell his 4 guitars which should pay off one of his cards (he has three from before we were married which he is determined to pay off alone...
New thread, thank you! I'm in!
Definitely joining in, bank balance is in the red this morning so going to hotfoot it to the bank to lodge my self employed earnings from last night & aside from the main shop today I intend to have NSDs until this day next week. Normally self employed earnings go in a separate account but as I'm on state maternity at the moment I need it to keep my head above water.
Planning a trip to my parents tomo week & want to be able to spend a little money on lunch out en route etc so this week of NSDs will be worth it.
Saved €120 this week on my car insurance quote, €80 on hotel for my brothers wedding so happy bunny!
Child benefit in next week & that'll will clear off the wood pellet delivery we charged to dhs card in December.
February will be a better month - am better prepared for it
Congrats again NK
Right did the good shop this morning and spent £70. More than normal but had to get a lot of cleaning products etc plus it's DS birthday in a few weeks so trying to spread the cost by getting a few bits each week so today it was Thomas the tank engine cake toppers!
Can I join in please, need encouragement to be frugal..... Am currently abroad and there are crazy sales on here, everytime I get together with my mum friends they re all buying soooo much stuff for their kids...... Mine honestly don't need anything so it's vey hard not to buy stuff for the sake of it.... Will hopefully pay off credit cards this month too. Does anyone know if closing some down would improve my credit score? I have a few with nil balances from when I have opened them for balance transfers etc
Welcome tea and lilac
tea I'm sure it helps your credit rating to close unused credit card accounts down.
Okay, kind of got my head around my spending over the last couple of days.
Supermarket £80, that included socks and leggings for the new school year. They need full uniform, books and materials but the money isn't there and it's too much To just absorbe it into the weekly shop. Physics books, fe, around £80 for each DD.
Also £4.80 on roads and £8 on parking. Need To Go into town again but have a Pre paíd card for the car park I need.
Low supermarket spend (for me!) £56. Plus called at another local shop got eggs veg oil and 7.5kg spuds plus cater tin of tomatoes for £11.50
If it gets tight before payday next Friday we can have chip butties dribble dribble
Almost got the hang of meal planning, though waking at 3am to run through freezer to meal contents not my best idea
Ohhhh a new thread shiney!!
4 quid for me on parking today but that's my lot.
Nearly bought new bed linen but I want 1000tc Egyptian cotton sateen for about £1 because the duvet was so barginous I can't bear to spend too much on it.
I think closing credit accounts is good, it reduces the amount of debt available to you as well.
I think it can very temporarily worsen your rating (don't know why, but once when I closed one I was warned of this) but then it bounces up again quite quickly because you have less credit available.
Still waiting for news re job... I know realistically it might be 2+ weeks but every time I get an email I jump!
Am working on DH to get him to snowball his debt payments to lowest card, close it, then snowball the next one, but he has no sense of urgency and doesn't see debt as an issue at all, he is so casual about it. He thinks I am hysterical/over the top because I want to pay debt off so much
Can I join?
Really have to watch our spending, we went off the rails a bit in January. Planning on a very frugal February.
We are both paid today but mortgage, car tax, CC direct debit come out tomorrow. Spends today were €4.49 on Calpol for DS2 and €12.20 on tolls (would have €6.10 but I forgot to pay in time!).
forgot To say Thank you for the new thread.
Thank you North
£5 on gas card (essential!)
£1.45 on milk (also essential
I had £15 to last me from Sat til tomorrow
still got £5.04 left!! yeah!!
£750od personal account
£870od joint account
Owe £28,000 on mortgage
Loan 1 owe £7,000ish
LOan 2 owe £8,000ish
pay dd for loans and mortgage monthly to same bank as got overdrafts with
Great idea. Thanks for the new thread.
Â£3.60 on my bus fare and salad will set me back another Â£1.
Welcome all newbies .
Ooh conflicting advice on closing credit card accounts, any other ideas? We are going for a mortgage soon so would like my credit score as high as possible. Is it better to have less credit available? Will have no debt (finally )
Can I join? I drop to SMP this month so I'm trying to keep things as tight as I can. DH's wage covers the mortgage and his debts and mine pays bills and my debts. I do have some savings to supplement SMP but I'd like to make those last if I can. So, for the next few months things are being done on the cheap and ebay is getting a hammering from me to hopefully declutter the house as well.
Thanks for the new thread north
Will post January 'outturn' and February budget later.
I need to do some grocery shopping on the way home, hoping not to spend too much as I already have a few meals worth in.
Sorry North, where are my manners. Thank you for the new thread.
Ten why don't you ask your banks mortgage adviser? Our broker didn't mention dormant cards, it was active balances that he didn't like.
Ten - I would close all but one. Have one card that you clear but then use for one tank of petrol a month and pay off each month. This way you keep your history of making payments each month but don't have loads of open accounts.
MrsDean- I am saving for when I drop to SMP and also giving eBay a hammering!
just marking my place. Well done to us all for filling our last thread. will update tonight on lap top x
hey new thread, well done. nsd for me though takeaway is looking tempting. It is chinese new yr tomorrow & I feel i should honour it
Signing in. The car is on its last legs and I need to save £1000 in the next 2-3 months.
I'm putting stuff on fb to sell as I type.
NSD today, thanks north for the new thread! Frugal thing I have done today is unsubscribe from the various emails designed to get me to part with my money...........
Ohkaaaayyyy closing the month today - this is how it looks
Everything else: £76.84 remaining
Groceries: £23.24 remaining (which will get added to the Xmas fund)
Kids activities: £20.85
Emergency fund: £190
You may have noticed the addition of a new emergency fund and I'm putting this into place as I am utterly terrified of one of us getting made redundant so I'd like a little bit of a cushion. Let's see how long it lasts for. DH did brilliant last month by living off his betting winnings and extra money earned so his £190 pocket money was untouched.
DH has announced today that he needs two new tyres for his car as they are practically bald, so he has got onto the garage and ordered them. It'll be a darn sight cheaper than ordering from Kwik-Fit although it'll still be over £140. It's sod's law that the back end of last year and January was taken up with MOT-ing, taxing and repairing my car only for it all to have been for nothing. I could cry. Also have to tax DH's car which I haven't done yet so must do it tomorrow.
Talking of the car, it has now been removed and I've been on the phone to the insurance today and the chap said that he too thinks I'll be lucky to end up with a penny as not only do they have my £175 excess to take off but also the remainder of the policy. Despite me reckoning I only owed around £250, they said it's nearer £330 (sob) so it all hinges now on how much they offer me for the car. I'm not holding my breath.
Slimming World continues to go well. I lost 3.5lbs this week taking me to 13lbs in four weeks and as well as being slimmer of the week I was also Slimmer of the month for January. Only another 4-and-a-bit stones to go (I haven't worked it out yet). Now the owner of 4 shiny award stickers in my book.
Will have to do my February budget now which will look a bit different as no petrol for me, but the sofa payments will start coming out. Also a week of bus fare as I start my new job the last week of the month.
Was in London today. Will charge work the parking, the train fare and all that. I spent £15 of my own money - £5 on sushi and £10 on cakes for my family! Went out for celebrations with my boss last night so didn't get to say hi to the kids!
Right... Got the cc1 and it's £500 less which is great. But it was the same as the usual spend because we had huge expenses for the car previously. I believe it's the spend of the sales etc. I know that the supermarket wasn't that much as compared to before.
Well its been an NSD for me. dh spent Â£2.50 on lunch at work but that's it.
My aim for February is to keep within our weekly budget and to have enough surplus to get a few nice bits for dh's birthday at the end of the month. I've done quite a few extra hours this month so will have extra money at the end of this month.
I keep meaning to unsubscribe from marketing emails but have just not got round to it so will start now, thanks for the reminder
This week's meal plan has gone out of the window but in a good way as I've used up various leftovers that weren't anticipated.
Eeeh that's taken some working out.
Groceries: £326.26 (is £350 minus school dinners)
Bus fares: £15
Kids Stuff: £162
Everything else: £392.26
I'm dead grumpy about DH's car. I'm going to hardly have anything left after tax and tyres. Another frugal month and it's DS2's birthday and DH's birthday too.
Hi there and thank you north for the new thread. I feel proud to have been the last poster on the previous one.
Nsd and feel good about it. That's two in a row. I had a massive urge to go out and spend today for no other reason than my wages burning a hole in my pocket. So I stayed at home with dp and we pottered around doing housework and jobs around the house. It was lovely! Dd had a friend over doe tes, for which I usually buy pizza, icecream and treats. Instead I made a tea from what we had in the house and it was lovely.
This thread is really working and making me think before spending. Long may it continue.
claret well done with slimming world you must be very proud. I am trying to give up my sugar binges. Is the longest a New Years resolution has lasted for me! I hope you get some good news about your car.
But bald tyres can cause an accident.
Can I join? Dp is a builder and has been working on our extension for the last 3 weeks, so no pay for him, plus £5k in spends on skips/concretes and steels and that's only for the base ("slab" as he calls it).
I try to be frugal when it comes to the food shop/heating/clothes budgets and wonder what's the point of saving 12p on carrots when money is pouring out of his hands so I jokingly say I am going to fund the £30k cost of the extension by saving on the food shop
Spend today £17.70 on return travel to work. Not else so I class that as a NSD.
Oooh you're over here! Thanks North for the new thread.
Couple more NSDs in January so I think I did 14 overall - best month ever!
DH has another interview today. His contract ends in March.
Aha, found you
tencups and anyone else wondering about credit rating.
1)sign up to topcashback
2) go through their site to Experian
3) start a 30 day free trial with them but note to cancel it in two weeks.
4) get a free credit report which will tell you why you're doing well or not and explains about credit cards
Martin Lewis talks about this in his free guide to getting a mortgage for 1st time buyers (on the Money Saving Expert).
This way you'll get free credit report and money from TCB!
Good luck to your DH Helena.
Welcome passthecake IKWYM about building costs. when we did the extension at our last house I remember spending the equivalent of an entire month's grocery budget on wiring and sockets We are in the same boat now, though not building at present but saving for it, and it does sometimes feel that the amount saved by scrimping is only going to be a drop in the ocean. But I think this thread is really useful as it's forcing me to think before spending and getting into that habit saves loads over time.
Right, budgets. This is how I did in January:
Grocery budget Â£352 spent / Â£353 budget
Travel budget: Â£162/Â£200 (saving will go towards cc)
Household budget Â£160/Â£150 (overspent on presents due to lots of DC parties - will knock Â£10 off next month)
Personal spends Â£224/Â£193 ( expensive month: new tyre, train ticket + meal cost for reunion accounts for Â£155 of that)
Household (including presents, DC things) Â£140
Personal spends Â£132
I hope he gets the job helena, good luck.
Morning all. I couldn't get my post to post last night. Ggrrr.
Thanks for new thread north
Well done on sw claret you're doing really well!
Spent �23 in aldi on a million nappies and other paraphernalia yesterday. Just put �45 of petrol in my car. Getting my hair done tomorrow but shouldn't have much more spends over the weekend.
Welcome all newbies.
€5 in local shop yesterday on things that would have cost way less in aldi but had unexpected visitors so had to tidy up before they came.
Today €5 on gym as arranged to meet someone to do second day of c25k & it's pouring rain, will do grocery shopping after that €100 budget. And must start paying towards household tax today another €30.
Tomo dh is taking me to my fav restaurant for my Christmas present so will do extra dinner tonight for stepson & dd to have tomo.
Good luck to your DH Helena
Yesterday turned out to be quite spendy mainly due to me being weak in sainsburys and giving in to DS demands for a peppa pig magazine to avoid a meltdown
Sold some more bits on eBay today so my baby fund/ paypal is now up to £160
Signed up to nectar toolbar as well so can earn some points when I am wasting time on the internet in the evening !
U have started giving my kids (4 &5) 50p a week on the condition that they have an effort at tidying up when asked and not make a fuss. That has prevented alot of the pester power as I say. .."sure. ..u can have that, I'll take the money from your purse shall I?" All of a sudden those mags in the supermarket are less attractive lol! I do buy them random stationary stuff in the 99p shop, I'm not completely mean ha ha
So I'm doing my end of month review...
+ just about stuck to our grocery, outings and birthdays budget for this month;
+ ended up earning more from clients than expected.
+ stumbled onto this lovely group of frugaleers and learning lots and feeling really supported.
+ stayed out of my overdraft and got £5 reward from Halifax
- tax bill ended up being £800 more than expected.
- worked more hours than I wanted (evenings and weekends especially) which put a strain on the family.
- still have yet to do any flipping meal planning (see above point)
Oh I need this thread! I was reading last years one last night and got very excited about being frugal this Feb!
I'm a single mum and had always had a bit of disposable income as I've only got a tiny mortgage but I was made redundant a few months back and I'm going back to college but I've still been spending as I've always done and every time a letter comes in the door my stomach drops, I've fallen behind with a few bits and my bank account is howling in pain!!
My gas card has €37 on it which is a relief!
My cupboards have plenty of things shoved in the back that I'm looking forward to digging out and using my imagination with.
I have enough clothes, cosmetics and books to last a lifetime.
NSD today (which really isn't hard as I have about 20 quid to my name, but luckily have essentials)
I made £4.50 from selling a coat of DDs. Going to hunt out some more bits to stick on fb today.
Car fund stands at- £22.40. Just £977.60 to go
I made £7.50 on fb so after an essentials only shop we now have £74.49 to last until 14th February. I'm still not sure it's possible but will do my best.
Thanks for the new thread. It's a short month and no council tax to pay so this one will be full of success stories!
We've still got a council tax payment to go & then I'm paying it over 12 months so it will drop £50 a month compared to what we've been paying out.
Need cat litter but I have my padded envelope of change to pay for it.
I'm thinking of phoning the electric people because I've worked out they are taking more in dd than I'm actually using because the dd was worked out using last years reading for an old draughty poorly insulated house with an ancient boiler. This house is properly insulated and its so much cheaper to run.
I'd like to join please. January has been harsh and I'm freaking out a bit. Been hit with a big bill and I already had some big bills so now I'm struggling to say the least.
I am determined to:
Stop buying things! No more clothes, no more impulse buying. I will only take out the amount of money i need and leave the cards at home.
Only buy food when the cupboards, fridge and freezer are bare (other than fresh fruit and veg). This will force me to cook creatively and not spend zillions at tesco because I "just fancied" something for dinner and end up filling the trolley.
Try to have as many NSDs as possible.
Try to leave the car at home as many days as possible to save on petrol.
Made another £15 off fb selling and have been given some school uniform for DS1 so saved money there too.
Am also trying to drink more water instead of buying nice drinks. I'm watching a Playmobil volcano on eBay for DS's birthday in March and have got his smaller presents from sales and eBay
So my budget for the month is below, Jan/Feb is an absolute nightmare for birthdays as we have DH, his 3 brothers, my DSis, my best friend and one of our DNieces before 22nd Feb! If I can stick to the below there should be �150 left out of this month's money to put towards half-term and my shiny new 0% Barclaycard to help pay off early!
Petrol - �135
Food - �180
Birthdays/Spends - �120
well I'm proud of myself for Jan! I came in on budget
for a blessed change
still need to tighten my belt for the next 3/4 months, though.
Rediscovered Lidl today!
I absolutely LOVE aldi! I don't seem to be capable of spending over £40 there, and that'd a big shop! Tesco, I seem to spend £60 without even trying!
yes, Amber! I had fallen out of the habit of going, and as I have a Sainsburys on my doorstep I thought that it wasn't worth the petrol money driving to Aldi. But I need to rethink that...
60p two huge cooking apples for pie.
£1.80 for 14lbs of potatoes. I need to get dh going to that farm shop, he passes it everyday..Aldi is £1.89 for 5lbs potatoes.
£2.40 dry eye drops
75p sandwich bags
£5 cat litter, dh will pay me back for it though because its his turn to pay for it.
mrsw, is it your pil wedding anniversary 9 months before Feb?
Wrote a post yesterday and t'internet ate it.
Anyway, Claret Well done on the SW achievements and try To look upon DH's tyres as an investment in his / family's safety. If you'd seen some of the things I have here you'd be kicking him for leaving them To wear down.
I need To do a couple of errands Today but don't need To part with money.
Â£9.29 on a mini-shop in Tesco and DS needs 80p for his bus fare to Scouts later, so Â£10.09 in total.
I'll read through properly later.
£60 asda delivery and otherwise a nsd, spent the afternoon icing hm biscuits with dd.
A happy dp who recieved a tax rebate rather than a bill :-)
Oh and another £1k spent on extension materials but that doesn't count!
Dd suggested we go frankie and bennys tonight so doing wedges, ribs, burgers, coleslaw and onion rings for dinner to fight off the temptation of giving in. ..
If anyone has got a Kindle and likes crime thriller police procedural type books, this is free. I've read it and it was brilliant.
Today was grocery shopping day
€18.50 in Lidl
€120.40 in Aldi
€22.00 in butchers
Used vouchers from paper in aldi getting three lots of laundry detergents half price, fabric conditioner for 60c, couple packs of baby wipes, bottle baby shampoo & a pack of nappies half price NONE of which I actually needed but would cost a lot more full price in march/April when I will need them. Figure we can use the baby shampoo ourselves ds's hair won't need shampoo for months!
Today's shop should do up to 10 days so hoping it will see dh & ss through next weekend while myself dd & ds visit my parents
Was a bit shocked at what I spent cos planned on about €120 but I did buy lots of store cupboard type stuff.
Hello everyone, thanks for the new thread. Got paid last Friday so one week in now. So far I have seriously overspent on food but have got quite a good amount of store cupboard stuff and freezer stuff that we can eke out at the end of the month. I did an online shop at tesco this week because then I though if I saw the amount creeping up I could take out non-essentials - which I did! However we have since arranged for Dsis and her family to come for the day on Sunday which means me cooking. I have had to alter the shopping to accomodate the meal and now it's a lot. It is coming between 10pm and 11pm tonight because then the delivery is only £1!
I have £120 left in the 'me' budget but it never actually gets spent on me that is the problem!
We bit the bullet and booked a holiday on Saturday so have had to budget for the deposit for that (£150) and the deposit for the ferry (£35). It's meant things will be a bit tight this month but we work bloody hard and decided we deserve it!!
NSD for me, frugal things that I have done are not order takeaway for chinese new year and writing a freezer list and meal plan for this week! fluffy bizarrely pil's wedding anniversary is in June........
I've emailed the bailif to see if I can pay half my debt this month and half next. Hoping they agree or I'm fucked this month.
It has however given me a right kick up the arse about my financial situation. I shall be looking for tips on this thread!
First NSD that I can remember today!
Well that's odd mrsw. I was banking on a may anniversary.
I hope they agree dark
Thanks. It's my own fault for missing a payment on the plan over christmas
I am however embracing this frugal thing. I need to put £10 on the electric meter tomorrow and pay the rent Monday but that's all the spending I plan until Thursday.
Christmas is hard financially though, I've been looking at presents for fil already because Its such a stretch.
I've sorted baby DS for his birthday and Xmas (huge box of DS1s old duplo, few happy land bits I got off Facebook) and during the sales I got nieces and nephew and friends DCs birthdays and Xmas for 2014.
That's one thing off the list of yearly expenses at least!
So I let DDs talk me into allowing them To do cup cakes, decided To Get a few things and call it part of next week's shop as I was out of a couple of things anyway. £70 later I'm thinking WTF? But it will all be used and a few things come under "next week's pocket money". This evening's activity still works out cheaper than driving into town for the cinema/bowling like they wanted To do.
Good luck Dark
Hoping I can join in... It's 4am and I'm awake worrying about money.
Currently on maternity leave so trying desperately to be frugal. Today I. Got a big biz of cupboard stuff from Approved Foods
huge lot for 20 pounds. Alao got veg box from local farm shop super cheap.
Aiming for as many NSDs as possible and going to try for as many NCDs as I can - No Car Days. I usually drive the 2 miles to my DDs school but am going to try to walk/push pram. Now if only the weather would behave!
Hi! Last couple of days I've spent quite a bit or rather out of the ordinary.
Wednesday I had lunch out with a friend who works at the same place as I do. I usually bring something from home, so this was a treat as it were. However, I brought my own water, so that saved at least £1.50? I spent £5. Tuesday evening, when my boss took me out for dinner, I paid for parking £2.
Thursday, was in London. Everything was expenses so will claim back but did buy £5 of sushi for the journey home.
Yesterday, I went to McDonald's for lunch with a friend and our toddlers. It was actually very pleasant. £6.50 or so. And then had a Chinese takeaway as part of Chinese New Year which was really yummy. But I felt so ashamed as I'm of Chinese descent and I can cook it myself (but it's been a hectic few days!!!!!). £29 (with 20% discount on takeaways!)
Today am at work for several hours.... Will need to get some cling film and fruit for the next week but that's it I think!!
Free EBay listing this weekend <lists everything not nailed down>
Morning william sorry that you've been awake worrying! Welcome and im sure you'll find this thread to be very supportive. NCDs sound like a good plan.
I'm joining you lovely people
First trip to aldi later. It's an hours drive but surely I can save money?! Usually get a tesco delivery and spend about £80 a week including top ups....will let you know later!
Personal account is £100 od but should be ok once child benefit comes in.
Dp and I are going to consolidate our credit cards and try to pay them off.
We're going on holiday in the summer and getting married/honey moon in winter.
Two council tax free months!!
Just listed my first thing on eBay. Didn't have a clue what I was doing!
Ok, what I did last month worked a treat, I underspent!
I have set a fix amount for groceries and petrol and general spending. £500. But: the trick is: you are not allowed to use the card. So I got £100 in cash out every week, and when that was gone, it was gone!
I have now got £95 sitting on the top counter from the January budget, and another £30 on the card. Which is just as well, because I run out of bleach, antibacterial for kitchen surfaces, bathroom cleaning products etc. So the grocery bill this month will be a bit bigger. I plan to get everything from Lidl. Already using their detergent and washing up liquid, hoping to stay under a tenner.
Menu planning now for next week.
I've got a couple of things I will ebay tomorrow but I owe my mum £20 so hoping I can cover that.
Petrol is a killer for us. We spend at least £70 a week not sure there's any way we can reduce it?
I like the idea of taking cash out but it's something we never do. Might discuss with dp.
Place marking so I don't lose you. Have survived a month without buying a single item of clothes thanks to the thread in credit crunch. My bank balance is looking healthier, this week was a bit of a spendy week as I was covering someone else's job at work and my own so although I can't physically fit another thing in my two freezers, we ate several straight to oven things bought from Iceland on the way home (along with cakes and chocolate!!!)
Love this thread, not seen any of the others.
Im so crap with money, would love to do a budget and stick but things are so uneven and changing atm, i love love love the idea of NSD's i tried it last year and lasted 3 days
Im on mat leave and get so bored so i take dd into town or to the supermarket just to DO something so inevitabely spend.
Im going to aldi first time ever today
Teacakes, if you can't reduce use then how about a cashback credit card? You could set the DD to pay off the whole balance every month & only use it for fuel.
You might even get cashback from tcb or quidco.
As it's a free listing weekend more stuff is going up on eBay today. Have got £140 in my paypal since starting my eBay sales in Jan. put a tenner in DS saving account this morning. Was reading the 'how much does your teenager cost you thread' and managed to scare myself!
Oh and cos we moved to a different area last year no council tax free months for us
Fluffy I don't think dp would agree to another cc but great idea for when we've settled all our debt
So...i just discovered aldi. It is soooo cheap and if i take a list i will save sooo much on shopping The only thing im not keen on is the race to get scanned and packed, too fast fo me but i could easy get used to it to save that much money!
Ooh think this will be the weekend we finally list on eBay. Any tips for things that actually sell? We have some baby and toddler clothes but not sure if they're worth it.
Spent 2.60ish at the corner shop buying a bag of carrots, a bunch of bananas and a carrot. Spotted peppers being sold for 50p each - bargain. Made a carrot, apple and sultana cake (sugar and dairy free) for DS and feeling v chilled after working loads last month.
I've just got back from aldi. Spent £50. I think it'll be worth it, maybe. I wish it was so bloody far away. We have a lidl about ten/fifteen minutes closer but I've never been there.
Branded children's clothes sell OK on eBay. I tend not to bother with anything else.
spotty I take money out each week, with the idea that once it's gone, it's gone!
It sort of works, but you need to make sure that you take out a realistic amount. I tend to be TOO austere and then fail each week -- I now have £20 left now until Friday and have to get fuel. Should've budgeted an extra tenner or so--
Spotty, re petrol, on moneysavingexpert there's a conservative driving guide somewhere which teaches tips on how to drive economically, might be worth looking into?
Hello! February moving quickly already! Love that we reached 1000 posts in January. delasi I feel like you should win a prize for being no 1000!
Have had a weird few days - money related and attitude towards it. DH bought me a surprise ticket to a show that I've wanted to see for ages, I was furious because of the cost . It was bought out of his personal spends, which he can do with what he likes, but instead of being incredibly grateful I was a moody cow! I had an amazing time and it was well worth the money. Do you ever feel like frugaling becomes a bit of an obsession?!
Now today I've spent a fortune in tescos. £65 from grocery budget and £20 from personal spends. Although lots of it was cleaning products I'd also spent a lot on things for tonight as we were due to have friends over. They are helping us to put in some kitchen lights, saving on the cost of an electrician, but on the way home I'd already started to obsess about the money spent. As I walked through the front door I had a call from my friend asking if they can postpone as they're both full of cold. This is probably better for me anyway as I feel lousy with cold and conjunctivitus still hanging around but again all I can think about is the bloody money!! I've managed to freeze some of the food and the wine is easily saved.
Perhaps I should see the obsession in a more positive light. The more obsessed I am, the more likely we are to end the year in credit and (hopefully) with some savings.
Thanks MrsDean I will have a look not sure there's much more we can do though, we just live so fat from everything!
Right £20 left for the week for food top ups. Should be plenty!
Checking in! Couldn't keep up with last thread as we've got a lot going on buy I've had the frugaleering in my mind!
Had to change from just all local shopping as I just couldn't go out regularly enough, DH and I both have chronic illnesses and it's been a bit tricky lately, last time we did it we couldn't leave the house once we were back and went to bed really early!
So instead we have a middle ground. We get an Ocado order once a fortnight with mainly meat and cupboard stuff, some milk, bread, yoghurts and deli. I freeze some stuff and it costs about £40/week. We buy fish from the local fishmonger when we want it as it's much cheaper and fresher. We also get a fruit & veg 'box' (it's actually in a huge bag and we go to collect it, it's a local initiative) which is £12 a week but there's no commitment, unlike other schemes where you sign up to a weekly delivery. We get a lot of fruit and veg in it so we don't always need both fruit and veg (you buy the two separately at £6 each) so we can vary as needed.
The main area for me to work on was food and transport. We didn't get to walk nearly as much as I'd hoped in Jan but we still managed to save about £15. Our takeaway bill was the same, due to the illnesses, but at least it wasn't worse - hoping to cut it down this month. Our groceries were the cheapest ever, about £45 cheaper over the month than the cheapest month prior so a massive difference and very pleased with that
Otherwise it was quite a spendy month due to buying a big gift and a new stroller for short trips and some other little bits, but nothing extravagant or overpriced. Got cashback on everything including £105 for new phone contract (which is also cheaper)
Freelancemama - the things I have sold on eBay this year are
Branded clothes - mine and DS
Kids buggy accessories
Perfumes / aftershaves - new only
Broken consoles - got £30 for a wii that no longer works
Sets of things - like beauty sets I got for Xmas, sealed set of hunger games books
Apologies, should have said hello to all of the new people too. spotty, amber and hickory I love Aldi too! Meal planning around the Super Six has been really good for me. I shopped in tesco for the first time in ages today and as well as spending too much it was so overwhelming - too much choice!
william worrying is awful, especially when it keeps you awake, but in reference to my post above, maybe worrying/obsessing is a good thing as it makes us watch every penny. Just don't let it stress you out too much. This thread does help to take each day as it comes.
dark I'm selling on FB too. Not mega-money but it's helping to declutter and I'm putting all money earnt into a Christmas savings pot. I'm also aiming for lots of NSDs this month. Hoping for 14 (think I managed about 3 this month so maybe a bit ambitious!)
I have decided today to take out all the money I have left for the month and divide it up into realistic budgets. I have already massively overspent on food this month so that needs some attention. I will take out £15 in an envelope for the next 3 weeks Slimming World money and £15 that will cover 3 more Fridays pub lunches with work. I will need about £5 lottery money for work too. I am hoping that doing this will make me think twice before I spend anything. If I can physically see the money being handed over I know that it has gone and I know how much I have left.
I've made £25 off Facebook since yesterday which has been helpful! Will hopefully be more next week when I can get in the DCs rooms whilst they're at school/nursery!
Dilidali sticking To cash really does help, doesn't it?
Off To find cost of teens thread mentioned by Ellis
Should be NSD other than roads/parking for airport later.
Thanks Ellis and spotty we'll give it a go this weekend and see what happens! Our big frugal objective is buying a house. I think we're ready to take the plunge and have been told we can borrow enough with our deposit to get a 2 bed house and pay about 200 less a month than we do in rent for the first 5 years.
But being freelance I'm nervous of not being able to make payments if work dries up so my goal is to be frugal to
a) save an emergency fund in case neither of us can work and be sure we can still pay mortgage for a bit
b) be in frugal habits by the time we move in case work dries up and we need to live off less
I have finally acknowledged that my spending has got out of hand. I have loans and credit card balances which I'm repaying £600 a month on, but that doesn't leave me enough to save so I will gave a Christmas fund etc so that goes on my credit cards again.
I am going to speak to the mortgage company to see if we can extend our mortgage (we have a very low LTV) to clear all the debts. I know I will pay more interest overall, but it will be a manageable monthly amount leaving some for savings. I am going to speak to the mortgage company this week to see if it is feasible (I won't say for debt repayment) and what the cost would be before I speak to DH. I have been waking up at night stressing so I really want to sort this out.
I'm expecting DH to go mad, but he can't think any less of me than I already think of myself.
I'm trying to stick to £100 per week for food shopping. Spent £14.50 in M&S this morning on bread, eggs etc. but DH is away this week so I'm planning on jacket spuds etc for dinners and using stuff from the freezer.
I need to do a a Tesco order as I need lactose free milk for DDs, Aldi don't sell that! I have loads in the freezer so will try to hit £40 minimum for free delivery. (I have a super saver delivery plan) I managed a £110 shop last week split between Aldi and Tesco.
I'm trying to take lunch to work each say, or a can of soup/leftovers, unfortunately yesterday my 3yo left the soup can in the hall!
Does anyone if/when tesco are doing club card boost again, particularly on baby stuff?
I've just submitted my meter readings for my electricity (all electric here) as we only get billed six monthly. Last bill was 5th November. We are £352 in credit I'm going to leave it until we get the actual bill in May and then get them to give us the money so we can use that for our holiday in June.
Well, I expected to have an NSD today but I ended up spending... £1500! Which makes me finally DEBT FREE for the first time in many many years! Ugh, such a weight off! That's the last time, no more debts, no more overdraft, no more irresponsible borrowing then burying my head in the sand until its double due to charges I feel like I can really move.forward now. I still need to be incredibly frugal (just started a business, very, very low income and not making any profit yet) but I have a clean slate
£60 on asda delivery yesterday, £18 on private swimming lessons for kids today- am happy as they are close in age and ability they can go in together. ..2 for the price of one :-)
I was going to make today a NSD but ended up downloading an album off itunes for £10. I did put 90 CDs through music magpie to make about £40. Have asked DH to pick up some cardboard boxes from tesco when he takes his mum there shopping after work. Hopefully get those packaged up and sent off this week.
Once the CDs are gone, I'm starting on the books and DVDs.
Good for you Amber! It's a great feeling isn't it when the debts finally go I got debt free last year and still have to be frugal ( swapped debt payments for childcare payments!) but it feels so good not to owe anybody anything
Thanks, Ellis! Yes, fab feeling. I have car tax and insurance due soon, so I need to save for that, though
Well done amber
Got my hair done today which costs a small fortune but is budgeted for.
77p on a reduced sandwich for lunch. �7 something in asda but that was paid for with a birthday voucher. �4.69 in Aldi.
Welcome Auditangel I hope it's not as bad as you think.
Well done amber, brilliant start to the year. If it was a cc ring in a few weeks to make sure there's no pro rata interest payment.
£3 for a steak.
That's great, btw, spottyteacakes! I love when unexpected money appears from somewhere! And evenb better you'll get it just when you need it!
I need my hair doing soon but going to use salan junior for maintenance, which is tonnes cheaper, and only pay full whack if I'm having a style change.
Been to Morrisons because I had a £1.25 off a £25 shop voucher. I loathe Morrisons with a passion now but I wanted that £1.25 for my Xmas fund. They've given me a £4.48 off an £85 spend but not sure if I want to give them any more custom. I think I might have to meal plan carefully.
Also cancelled my Green Flag cover and put that £2.92 into my Xmas fund which now stands at £60.99.
Whilst at Morrisons I have picked up a bottle of Bacardi to put away for husband's brother for Xmas. It was reduced to £13 which I know is a good price as a girl I used to work for once got hideously excited when it was reduced to £14 in Tesco one time.
So, in total excluding voucher cost came to £68.95 of which £13 was the bacardi however I didn't get anything I could make meals with! I also bought hair dye (£4.49) and a 500g jar of Nescafe for a fiver, so £51.46 spent on groceries so far.
DH got his tyres done this morning so he's to go and pay for them on Monday and it's £188 in total. My 'everything else' fund is going to be well in the red this month (boo hoo).
Amber Yay! That's exactly the same amount we had to pay 18mo ago to clear all borrowing and we've been happy and free ever since. Now not that I would encourage frivolity, but I think you deserve a little treat tonight Even if it's just a cup of tea and putting your feet up!
Spotty You've just reminded me to send my reading today too. Fantastic amount you have there, I think we're about £180 in credit. I know some people want to pay the lowest possible, but I like having all eventualities covered in case I end up using more electricity than expected so no nasty surprises, but also getting a nice little lump sum in my 6mo bill! I did the same with water before (no water bill here), ended up paying £5/month for nearly a year and still got £80 back when we moved. No idea how we were using so little water
I've been pleased to see how our attitude to food has changed, with a little gentle encouragement there's been a big shift in using up leftovers. Our fridge is quite bare at the moment, a couple of packs of meat in the freezer. In the past DH would say, "There's no food!" and I would be lazy and have toast, but after picking up our fruit and veg today I pulled out all of the odd bits needing using up and next thing I know DH is making pizza dough and mixing in the leftover cheese, meat and some herbs and then cracking eggs on top. It was really nice! We all liked it, including DS, and it was so much more sensible than letting the odd bits go off, staring at the cupboards and then buying food out (groceries arrive later this evening).
NSD yesterday, £2.95 spend today on a cake to bring to a friend for tea, I didn't have time to bake one.
Also £60 grocery shop/washing powder etc (although we got 3 boxes of powder and 3 washing up liquids as they were on 3 for 2 offer, so it would only have been about £45 without the extra stuff and we won't need any for months now haha)
meal planned until next Sunday, all I'll need to buy food wise is a bag of salad later in the week.
Should be NSD tomorrow, have all food in and a TONNE of work to do. Am giving a massive presentation at work on Wednesday which will directly feed into the promotion decision, so I want to get it completely written and practiced tomorrow so I know it off by heart by Weds.
Well done amber hopefully that'll be me in two years
My friend owns a hair salon so I'm really lucky in that respect!
I had a nsd yesterday and would have tomorrow but need to pick up the two things we couldn't get in aldi.
A surprise NSD today. Was at work for a few hours... Came home and had lunch. Was going to get school shoes for ds but it was really chucking it down so decided to ring in to Clark's to reserve it and will pop in tomorrow. We were going to have a Chinese New Year meal out but I decided to cook up a storm to make up for yesterday (rather like having the Christmas meal on Boxing Day!!!) felt really bad but also great coz I whipped up 6 dishes in 1.5hr which is good going. And everything from fridge, freezer, whatever. So great stuff!!
Oh I parted with £40 but it was for red packets for the children (we give money in red packets for kids for Chinese New Year) but that totally doesn't count.
Will spend on school shoes tomorrow but hopefully nothing too much more!!
Just checked clubcard statement and I have £15.50. Must remember to use it when I buy fuel. Instead of frittering it away on food shopping I'm saving it to boost on toys at Xmas.
So now, as of 1/2/14 I have 6 Xmas presents purchased and £15.50 saved towards it
I am very impressed and a little envious, thenight! That's good going
There's 8 November/December birthdays in my family so I start panicking usually in October! This year I'm way ahead of usual.
For some reason I haven't been able to post from my phone for the last few days do am very behind on the thread, and catching up now.
Thurs and Fri both NSD's for me. Big shop and Ikea tomorrow tho, eeek!
I remember that hideous stress of being awake worrying about money..
Sounds like you have funds coming in, just need to get to grips with controlling spending. I've finally woken up to that fact - taken me about 20 years but I'm there now!
I reckon, now you've taken control, you'll feel much less anxious about it xxxx
I resisted spending silly money on an outfit that I wanted for DD today (that she did not need). Feel really good for buying nothing!
Welcome to all newbies this thread is moving at quite a pace.
Will catch up properly later
Wow, I can't believe how fast this thread is moving! We'll reach 1000 posts again this month, I bet!
Parking at airport £3.50-ish
I have £21.50 in clubcard vouchers. Going to save them I think.
Today's mission is to consolidate our three credit cards to one with longest 0%/lowest transfer fee. Pay minimum of £100 a month off. It's about £3000 so hopefully we can get it done in two years.
Checking in for a frugal February.
Yesterday was spendy as DH and I went out for the day for his birthday, but budgeted for as well. in the past we would have still done the same thing but not thought about whether it would make a difference to the month's money........NSD today, we're having family round for lunch but they're getting Xmas leftovers from the freezer and roasted veg to clear out the fridge
SOOO cross with DH, his email is the one used to log into the veg box delivery and we've cancelled it for a block period to allow us to meal plan and be more frugal. In the past he has forgotten (he is very very scatty) to change the order and it's a constant nagging battle "Have you changed the riverford" "Oh no, I have until 10pm on Saturday" "Just do it now" "I'll do it later" etc
He forgot this week and we've just been to the supermarket yesterday and spent £60, including all fresh food. He is stubborn and won't let me take over managing it. It's £30 extra we've spent now, on fresh food that we won't need or use because we have a meal plan and which I'll have to try and work out how to work into our plan//freeze// preserve on top of working a 70 hour week. ARGHHHHHHHHH
That's so annoying!! I'm sure you can think of lots of yummy things to do with it though. Soups, pasta sauces, roasted veg, veg casserole etc
Spotty, well done for having so much stored away with your Utility company. Just a thought, but if you moved that to a savings account you would be gaining a tad of interest on it. It wouldn't be much, but every little helps, as they say...
I know but my bill isn't due until May so I can't claim it back until then or can I?
NSd here today, doing a roast for us 3 and only had a small glass of wine lastnight with dinner so have wine for lunch, sister is coming over with our new hamster and FIL to help with a
piss arsin difficult curtain pole.
Busy day deters me from spending or rather going out to spend.
I genuinely think i have a spending problem. I have NO savings apart from an emergency fund (500 which equates to the most expensive thing we own) which is in cash. And i cannot save, well i can, i.e if we were decorating (which we are at the mo) i have put money aside each month or bought what we need bit by bit.
Im in a bit of debt too, nothing i lose sleep over but when i go back after mat leave i will be using the wages we are managing without now to pay it all off. Im so shit with money.
i had a feeling that you can withdraw money from your Utility account at any time - it's YOUR money.
Thanks I will phone them and ask tomorrow. Might ask for £300 and leave £52 in there
Feel really good about my spending yesterday,
Bus fair in and out of my voluntary job (only once a week)- €5.20
Wind in the willows books for DD - €1 (bargain!)
Toilet paper - €4.50
Washing machine tabs €2.09
8 cans of coke zero (my one and only vice right now and will last a week) €2.50
Ordinarily I'd have gone to starbucks for a large coffee before work, come home with piles of books for me and DD (I just couldn't pass up the wind in the willows, I'll learn) and bought something really nice for dinner as I was all on my lonesome last night. So I'm feeling a little proud.
NSD today and I only have a tenner so I'll keep that for bus fair tomorrow to take DD to a few (free) museums!!
Very contrite DH made me tea and is out planting bulbs in the garden and offered to photograph all my remaining ebay stuff. He's lovely really despite infuriating scattiness
spotty you are absolutely right, I have decided to try and re-jig the meal plan when the veg box and fruit box come tomorrow to last 2 full weeks or more, without any top up shops if it can be avoided. That way we come out ahead
AND I did some judging for a local prep school competition this week, didn't expect any payment, just got a lovely card and bottle of wine today in my pigeon hole, so I'm looking forward to a glass of free tonight.
Enjoy your free wine
A NSD for me. Church this morning followed by a roast at home and now laying on the sofa watching toy story with DS who has cold.
Tomorrow I'm at work so another NSD as I'll take lunch with me. Just need to post my eBay packages off. £150 in my paypal so far. Need £110 more to reach my target!
NSD day for me
Have started clearing my bedroom today (DCs rooms tomorrow) and so far have filled a stacking box of bits to sell.
I put around £1.50 into the church collection last night (not sure how much it was as it was just the change in my pocket, but less than £2). Nothing today, took kids to (prepaid) swimming lessons, said no to sweets from machine as we have a box of quality street from Christmas at home. Took DD2 to a dancing show rehearsal, home to cook dinner, chicken and veg from freezer plus potatoes from cupboard.
Not going out tonight so won't spend anything today.
NSD for me. Took dd to see her dad, bus fare was £4 but he paid for that. I usually buy at least one coffee while I'm there but I didn't today. Meals were leftovers and freezer/store cupboard stuff.
I've been making recipes from the "a girl called jack" website, recently. They're really nice and very frugal!
About 25 quid at the supermarket today. The only thing "off list" was halfprice cookies and some veggie fingers to try to get DS back on the veg wagon! Goats milk for DS is now 1.60 a litre!!! Crazy. Will try to eBay DS's sleeping bags tonight.
Just listed 12 things on eBay, which is about all I have left for now. I made Â£460 selling between mid-October and the beginning of December!
Freelancemama - I have to get goats milk for DS as well. I get it delivered and it's £1.05 at the moment.
frugalish day. used our annul pass for a free day out at thw farm park. Spent 2 on ani. al food & 3 x 10p tiny bags of. sweets. Then I nipped to mozzos for yoghurts & foil and..... yiu k ow whats coming next....... spent 30. no restraint. useless!
Sold some stuff on eBay for £10 but only so I'd have funds to pay fees for selling the washer dryer.
Where's cheapest for fruit and veg? I'm debating whether to go to aldi on Thursday or the market and wondered what people found better.
Have you got a market? They are super cheap. I find aldi cheaper than lidl & frozen cheaper than fresh.
I chop & freeze super six stuff like onions, leeks, celery, carrots, courgettes, lemons, garlic.
You get the idea.
TheNight I find overall that local things like markets work out cheaper, but I think it depends on your approach. At the market they might get some stuff cheaper that week because it's in season, or they got a good deal from their supplier, so you can get some very good deals. However if you like careful meal planning then it's less easy as the bits you might need won't be guaranteed to be the best deal so you won't know until you go, and if there are things you always want then the price may fluctuate more over the weeks/months compared with a shop/Aldi.
I think I mentioned upthread that we get a sack of fruit and veg from a local group. I have no idea when I go to collect it what will be inside, but that's fine by me. We get more than enough fruit and veg for a week for £12, and then can get another lot or get just veg or just fruit as needed for £6. It might be more expensive than buying at Aldi, I've no idea as Aldi is nowhere near me, but it works out much cheaper than buying the equivalent at the supermarket. I like getting a random selection and being forced to work out what to do with it so it works for me. However with Aldi you can see what's in the Super 6 thingy in advance if you want to plan.
Yup several markets. Slap bang in the middle of two counties
Might try the market when I drop DD at nursery. The middle aisles in aldi may damage my new found frugalness!
Have you got a farm shop? Mines charging 80p for 2.5kg of potatoes compared to £1.89 in aldi or £2.50 in big supermarkets.
I honestly don't know how families afford to eat sometimes.
TheNight Ooh plus markets are more fun (well to me they are!)
Oh I don't know about a farm shop. Will have a google.
Our market is brilliant. Back issues of magazines for £1
So it turned out to be a very spendy day but all planned for I think. Aldi was £68 but we got a lot of food. So that will probably last 2 weeks including whatever freezer food we have. Then we went for Chinese New Year party. I brought dumplings. We ate our fill of yummy Chinese food.
Then went to town and bought ds' school shoes and dd some regular shoes £50. Dh some shoes too 50% off at Clark's for £27. Then bought a truck load of presents for ds' friends many parties that we get invited to. Hawkins bazaar had lots of great bargains. We ended up getting his party bags sorted there too. If you spend £2 per bag they give you the bag, haribo and balloon for free! I think his party bags are lovely!!!! So all that plus his own present was £72. Eep.
I will be at work all week though and no coffees or lunches planned out so will be bringing packed lunch. Have a dinner out with a really good friend next Tuesday but looking forward to it.
Happy work week!
Trying for a NSD tomorrow, got everything in for meals, kids dont need anything and got enough electric on the meter to last
Ellis wow where do you get that delivered from? 1.05 a litre is amazing.
Freelancemama- I live in Wiltshire and have a local farm that do deliveries of milk and eggs. Luckily for me they keep goats too
I need to find a farm for potatoes though. The amount we go through is ridiculous.
Hi there, not checked in for a couple of days but I have been keeping an eye on you lot.
So Friday, £20 in morrisons which included fruit and veg for the week, a bottle if wine and nibbles for a night in at a friends house. It was originally a night out which I budgeted £30.00 for. It also including a book for dp's valentines present which was £3.99 instead of £7.99, I have budgeted £15.00 for his valentines pressie and card so I am happy with that.
Saturday £9.00 in Lidil which was for stuff I didn't get in morrisons because I know they are cheaper in Lidil, mainly Yoghurts, cheese and ham for pickups.
Today I have bought trainers. I am training for a marathon so I need a decent pair. I managed to pick a pair up from Studio 24, reduced from £70.00 to £22.00, I also managed to get a free delivery and 10% off discount code. I have checked the reviews and they come up good.
So I don't think I have done bad this weekend at all.
We also managed a trip the park to fly a kite. Bloody loved that, put some colour in our cheeks and totally free.
Quite a spendy weekend here but we knew it would be as we had a night out for friend's 50th on Friday. Still hoping for a small surplus at the end of the week.
Have done a bit of shopping today <£30 as I did a big shop at aldi with the vouchers last week and still have lots in the freezer. That should be it for the week now, just need some petrol tomorrow
Just bought school books and materials, plus fleeces & jackets. I'll update when I've the hyperventilating under control <faints>
Jeeeeeeeze. £600. Still need To buy uniform, shoes, trainers and a couple of ring binders that we forgot. CC has taken a bashing as no actual money available yet.
Makes me appreciate the "free" educación I had.
Ok people, it's got to be an NSD for me today! The
unwanted veg box and fruit box will be coming so I'll spend some time re-jigging the meal plan based on that and will probably need to cook 2 or 3 things tonight so the huge amount of fresh food I now have doesn't all go off before we can eat it.
Lots of NSDs, well done, frugal ladies! Today will be a NSD for me, unless something <shudder> unforseen happens. Am working today (from home) so I'll be busy mostly, will walk the dog and take dd to the playground in the middle but nothing that needs paying for.
Yesterday was an NSD as planned, frugal thing was selling a couple of things on ebay, and then resisting the temptation to buy more stuff that I don't need with the proceeds!
DD is singing at a choir concert with school at a big arena this evening so parking will be about �6 for that. Frugal thing that DH has inadvertantly done is cocking up his work diary so that we have to take both cars..........I will therefore spend less on parking than I would have done on wine to cope with the whole ex-H, ex-PILs, my DM & DDad, me & DH in the same confined space
Another NSD day here, it's pissing rain so I've made DD a fort to play in and I'm going through the cupboards to see what I can use up!
I'm sure cabin fever will set in soon agh, hate being stuck in!
Wow, this is moving fast! And I need to get to a market by the sound of it. Are potatoes really that cheap? My family live on potatoes!
Been a bit of a spendy weekend. £92 in Aldi, but that will last into half term and included nappies, cleaning stuff and washing powder. Less than £50 a week for a family of 5 is pretty good isn't it? Went to ikea too and spend £63! £25 was for my mum though so I will get that back today, and I got stuff for dd1's party next weekend, so for once I am organised!
Dd1 was 7 on Saturday so we all went to Pizza Express but paid for that with vouchers I'd been saving so it was free! She had a great day and it was nice to do something a bit special together. DS also kept us on our toes too by throwing himself headfirst off a chair into the kitchen radiator. He is now sporting a lovely bruised face and arm and I have only just calmed down! 3 year old boys just so physical!
Started the week well by doing all my January invoicing. It was a quiet month but £130 will certainly help. Need to get my act together and get some more work in. Have just listed a load of Boden stuff on Ebay too so fingers crossed will all sell.
On the minus side, I have broken a tooth so am off to the dentist tomorrow to have it fixed. Dreading the cost as I think my dentist just makes up some crazy figure on the spur of the moment, but I will pay anything to get the pain to stop! CC I think as we just don't have the cash at the moment.
Low spend day - £1 on Ibuprofen for the evil tooth.
£10 on party decorations for DS birthday in a few weeks. 80p on reserving a book at the library instead of buying it.
That should be it today as bought lunch with me at work and have enough petrol to last me for the week.
Oh no expecting! My 14mo ds threw himself over the arm of the sofa head first last night. I thought he'd broken his neck!
Nsd so far, should continue as I'm off to work in a bit.
Spotty 14mo DS did pretty much the exact same thing last night too! <sigh> It's just going to get worse, isn't it...
Off to update my spreadsheet now <nerd> Off work through illness and not entirely sure what to do with myself, other than squish DS constantly (hahaha! He's not used to me being around like this!)
theonly hope tonight goes well!
expecting ouch! I cancelled my private dental care in order to save money and then immediately needed dental help. Typical.
�4.15 on a few bits in Aldi, mainly baking stuff. Got a loaf on the go now and thinking of muffins when DS wakes up from his nap.
£3.46 on contact lens fluid.
number3 Try farm shops & markets. I travel through the countryside to get to work & a few farms sell potatoes in big sacks for not very much money.
It's no use to just dh & I but for a family it's ideal. The supermarkets are having our pants down with the cost of potatoes <rant over>
Ours come dirty and I peel them before washing. It saves time and water.
Day off work today n had friends over for playdate n then after lunch walked 1.5miles each way to aldi glad we kept puschair for 3.5yr old was good to get fresh air didn't buy more than could fit under puschair n free excercise n no petrol used today.
Roast chicken in the oven half tonight n other half will be marinated in piri piri n had with wedges tommorow then any bits left for sandwiches for rest of wk or frozen for a pie at some point
Â£1.10 on my bus fare.
I'll read through later.
Co-Op bank are offering £100 for switching accounts if you pay in £800 in the first 31 days.
They'll also give £25 to charity.
hickory still giggling at hamster ladders!! Low spend day - just 3.50 on breakfast and coffee at the cafe I do work from sometimes (for free wifi and quiet from DP and DS). Also got another invoice in which I'm very happy about.
Annoyed though - got text from Halifax to say I was overdrawn - quickly transferred money over but might mean no fiver for me this month.
Nsd complete. Now I'm off to bed as I'm ill with a stupid virus and start work at 6:45 tomorrow <woe is me>
Would have been NSD today but I ended up at the eye hospital with an eye infection and ended up buying two bundles of baby clothes for £15 total because I was bored in the waiting room.
Made about £20 on ebay today selling tat, so I guess it's swings and roundabouts.
NSD - 2/28!
3 frugal things: still adjusting childcare vouchers, have increased to maximum so hope to save on £40 tax at the end of the month; have sold 3 items on fb = £16 to Christmas fund; resisted opening wine bought for postponed dinner over the weekend!
Hi there although its been another spend day it's only because I have been bargain shopping.......honest.
£2.00 for three tubes of Colgate in poundshop. I would have normally bought this with my monthly shop for £1.00 for one tube.
Also in the poundshop dog poo bags aka nappy sacks. Two boxes for £1. Still in the poundshop 2 pots of porridge, bet ya can't guess how much for. I love them pots of porridge and take them to work. They are my guilty pleasure.
Just done my online shop which I budget for so I wouldn't normally include it but it usually costs me anywhere between £70 and £80. I only spent £55.00. Very pleased with that. I just resisted putting treats in my basket. The kids will be very disappointed when it gets delivered, they love the asda man delivery.
At this moment in time I can't decide whether I am being frugal or tight
NSD, needed it after yesterday. I feel calmer now.
Have decided that instead of saving for next Christmas I'm going to save for the next year's school materials, in case we don't sell the house. Off on holiday soon but going back to where we were last year, so I won't be buying any souvenirs. Although if the little tea room has Lindt Chilli chocolate I'll get a few bars this time as can't find it in the capital and it's DD2's absolute favorite. She's the kind of person who can make a 100g bar of chocolate last a fortnight. I like it too.
BAH. Thought I was going to be £40 a month better off in new job however on reading the fine print I have discovered as it's a big employer they're the first for auto enrollment into the pension scheme where I have to contribute 6% of my salary which means that I will be coming out with exactly the same as I get now (I know it's better in the long term) BUT then I get a letter from the Inland Revenue saying I have underpaid tax so my tax code is reducing next year so I'll lose a tenner a month all-in-all. I can't remember the last time I had a normal tax code.
DS2's 11th birthday tomorrow but we're busy so we celebrated this evening. I said we could go out for tea but he said he would rather have a takeaway so this saved us about £20. He wanted an x-box game (£22) and some bits for his i-pod (£16) so not too expensive. I had to buy a cake, cards, wrapping paper and some sweets for him to take into school, also needed some batteries - spent about £10.
DH went to pay for his tyres today and it was £168, not £188 but I'm already in the red on my 'everyday' money. I will have to break into the 'emergency money' whether I like it or not.
Ordered new carpet (£295) from bonus money to be fitted on 21st Feb, and sofa is being delivered on 27th Feb.
Praise the lord that Feb is a short month and March is also double child benefit month (woo).
My double child benefit falls in August but that's very, very useful when entertaining the children through the holidays. We plan cheap/free activities but it's still dearer than school.
Have listed a couple of things on ebay that didn't sell on fb but I was sure would go and they're both being watched so I'm hopeful that I'll get £30.
Adora that is an amazing school bill. I moaned about school shoes for £28 and 2 tops for £2.50 from Asda!
Dosey We are using up all the tolitries in our house as we've got loads that I've bought on multi buys to save money! We haven't got a dog but Sainsbury's do 100 nappy sacks for 13p which might be cheaper still. Also have a look at A Girl Called Jack's site for recipes for homemade instant porridge pots for pennies.
claret you can opt out of the pension scheme if you want. They have to enrol you but you can decline to be enrolled if you want. Although if you can afford not to, you're probably better off sticking with it as it's free money from work that you won't get otherwise.
In fact, you're definitely better off going with the pension as you are already used to that level of income. I'm not employed anymore but would definitely take a work pension if offered. Annoying though when you expect to have more disposable income.
I'll definitely pay into the pension scheme as (apart from 5 months) I haven't paid into a pension scheme in over 3 years and DH doesn't have one at all yet. The thought does terrify me somewhat even though he will have another 26 years of work ahead of him
Hey all, have NC, was Artemis before.
I'd pay into the pension - I already worry about mine because I stayed on to do a Masters and PhD and thus only started contributing when I was 27, missing about 6 years of NI contributions for basic state pension and missing the same for any work based one.
My tax code will change as I underpaid tax by about £240 in 2012-2013, and will need to pay it back. I will be paying it in a lump sum next time to avoid them messing with my tax code.
Slightly spendy day yesterday- stepdad has offered to lend me £400 towards my car. I don't really want to borrow but I need transport. Currently hunting out people carriers on eBay!
Going to pick up a second hand school jumper for DD (£2) on way to dentist then it should be a NSD.
Ooh thanks for the Sainsbury's nappy sacks tip! I buy doggie poo bags from home bargains but that's loads cheaper.
It will be a slightly spendy day here, £24.95 on a haircut, other than that I shoupdnt need to buy anything else.
Can I ask a stupid question? How do you make your budgets and stick to them? Do you say X amount on food, then write down when you've spent anything on food, and so on? I am so bloody disorganised, it is harder as I'm self employed so have drips and drabs coming in over the month rather than one big pay day but even so, I need to pull my finger out really
Can I ask a stupid question, well want to check something really.... If my electricity account is in credit, who owes who money?!
Tencups- if your account is in credit you can either ask them to refund you or you can leave it there for when you may have the electricity on more.
If I am in credit in the summer then I leave it as it means I can have the heat on a bit more in the winter but once it gets to April if I am in credit I get a refund as I know as we come into summer I won't be using it as much
Next week i will do my shopping, bills etc and try to spend not a penny after that day...for 7 days. Im excited haha, went in tesco for coffee with it being on offer and spent 23
Thanks Ellis, we have moved house though and they are no longer out supplier. Have been on the phone for ages to talk to someone but in a queue.... Can't log onto account online either as they must have closed it..... Grrrrrr....
Tencups - ugh I hate being kept on hold. So frustrating !
Well I messed up today. Woke up late no time to make my lunch so had to get cash out to buy lunch in the over priced work canteen. Oh well try again tomorrow!
ten, write a concise & polite email to the chief exec. It works wonders ime.
£30 on 3 months supply of contact lenses. I need to post a padded envelope sized eBay parcel later but that shouldn't be too much money.
amber the night before I get paid I work out exactly what I've got going in and out. I then look at special purchases such as hair cut, night out, present etc. I work on about �70 a week for petrol, food and small incidentals per week but there's only me and toddler DS. I leave my 4. X �70 and the special purchase expenses in my account. Anything left over is transferred into my isa. Every week I take out my �70 in cash. I take out special purchase money when it is needed.
Another vote for going with the pension Claret, especially as you won't be worse off than before.
Yes nugget, I was flabbergasted when we translated the bills back to stirling. In previous years we've only had to replace pens/pencils etc when needed but this year is effectively secondary school, and we have to provide absolutely everything. It's the same across the board so changing schools wouldn't help.
Hickory it's easily done, isn't it? Don't take your cards next time, just enough cash for your shopping list.
Thanks, picnmix, I'm going to try to get that done this evening. I think I will notice whrre I'm saving better that way and that will spur me on!
I need petrol but have already reached my £30 limit for the week
Ended up an NSD!
Tooth ended up being free as it wasn't broken, something was wrong with the filling which was the dentists fault. All fixed and no money spent, yay! I love my dentist again!
Hope you get your money back Ten. It is worth it as it could be loads! We have solar panels (already in when we bought the house) and last year we decided to claim back all the money the gas company owed us - £300!!!! Paid for most of our holiday.
ten cups This happened to us and they didn't sort it out until I used the magic words...
I will phone the energy ombudsman if you do not sort this out asap.
They are terrified of that as they are legally bound to do what the ombudsman tells them and it gets counted in their complaint stats.
Spent £1.99 on dental floss after dentist couldn't do my filling as my mouth was bleeding so much
57p on a milkybar for DS as he got his reward stickers at school for behaving.
Made £10 selling on fb.
I have a £263 credit siting there so even more annoying!
NSD here, apart from a loaf of bread. Took dcs out on bikes for some fresh air after nursery.
Ten I've got £352. Not phoned them yet but will tomorrow....
£10 on petrol.
Didn't do well today have terrible pregnancy sickness (not morning when it lasts all day!) so couldn't face any of my prepared meals so it's pizza on order instead.
On the bright side I will freeze the meals and can have them next week so the food bill will be smaller then I guess.
Oh don't worry Ellis. You're allowed to live on oven food and take aways as long as you're eating something
Â£2.72 on milk, pitta and cat food.
Ellis this time round I actually lost weight in my first trimester as there were so many things I didn't want to eat, or I fancied it until I smelt it cooking and then didn't want it. I'm in third trimester now and have a sweet tooth that I can't seem to satisfy! Just eat what you can, your body will look after baby. How far a long are you?
Some Aldi super 6 oranges, blueberries, tomatoes and apples. Also some pears, bananas and grapes. Picked up milk and basic pittas from Sainsbury's so spent about £17 in total. Hopefully I'll spend about the same again next week and that'll be it. Next Friday can't comequick enough!
Seriously frugal spendy day here!
Spent €12 but that included bus in and out of town for me and DD, had a lovely day in the national museum and a nice walk around town watching the street performers (gave them €1.50 in all) then off to feed the ducks (€1.50 for bread which we kept half of), yogurt topped rice cakes for DD later on watching a film and a face painting kit!!!
All for twelve quid!! Usually a day out like that would cost in the region of €40 with lunches out and just generally not watching the pennys!
Iamnot - Only 8 weeks so at sickness stage hoping it goes away soon. Haven't told anyone at work yet and it's getting hard to cover up the frequent trips to the loo!
Agreed with everyone else Ellis. During first tri I had awful 24/7 sickness, I remember reaching a peak and I couldn't face anything, couldn't even look at ingredients, I didn't go into the kitchen for about 2mo as I would immediately vomit So we had a small stash of money put to one side to feed me in the moments when I would finally want food! I remember spending about £10 on lunch one day when at work, I felt a little guilty but it was the only thing I could stomach, it was actually nutritious, and I hadn't eaten a proper meal in weeks! You just have to do what you have to do when pg, it won't last forever
Been pretty good over here but sorely tempted to get takeaway tonight. I'm quite ill so can't cook, DH has been doing everything despite being tired as he also has a chronic illness, so I think a little treat wouldn't be so bad... Hmm!
It's hard work Ellis. It probably feels like it will never end but it will
Don't worry I'm just jealous!
I've been talking to dp about spare money but he's just told me he's spending 70/month on my engagement ring
Woah spotty! Did you know you were getting one ?!
Everything else: £7.62 remaining
Groceries: £239.49 remaining
Kids stuff: £151.50 remaining
Petrol / Bus: £186 remaining
Emergency: £190 remaining
Well, I didn't spend anything on Sunday.
Yesterday I went to Boots to buy heat pads as my shoulder muscle is really sore, spent £17.07 in total as also bought a verruca freeze treatment for DD1 (I'm sick of using the gel, we don't always remember, it takes ages to dry...) also spent £1 on two coffees at the kids dancing lesson for me and DSis, I felt rough and she was cold.
Today I spent £10.95 on lunch out as a colleague is leaving. The lunch was disappointing, didn't really enjoy it, so I won't feel so bad with a sandwich tomorrow! Just spent £98 on my weekly Tesco shop, didn't buy much (freezer is quite full) but I managed to buy DH a really good bottle of cognac for Valentine's Day within the food budget.
NSD today and only 45 quid at Aldi yesterday.
Sorry you're feeling rough, Ellis, hope the sickness passes soon. Whoever named it morning sickness was a bloody
man idiot <envy> (that's a sicky face, btw, not an envious one :D
I ended up spending £3.65 on library fines today, grr. Will have to spend a fair bit tomorrow on dog food and playgroup for DD. Then there's another group on Thursday and swimming on Friday. Sob.
How do other parents of toddlers manage to keep costs down? We do loads of free stuff but stuff like swimming she loves and I feel its important to have her confident in the water. The groups are important for both of us socially. I guess some things are worth it though, you can't give up literally everything, right?
�1 on milk. Am doing well in my bid to use up all my coppers. That �1 was made up of 80 x 1ps and 1 x 20p piece. They love me in Aldi
amber I have a toddler and work part time. We swim every Tuesday but at our local leisure centre so it's not too expensive but it must be about �5 a week. That's our only regular thing. We meet up with friends at softplay probably about twice a month. I think you're right that some things are worth it. When we don't have plans then I just make sure we do free things. I live in a city which has parks, urban farms, museums etc so there's a lot of free/cheap stuff going on.
Swimming round here is super expensive almost £20 for two adults and a child, ds is free.
We don't do much tbh I work three days, dd's in nursery and one of this days I'm not working then we usually see a friend on the day we're all free.
I forgot, £57 on diesel, but I claim that back on my expenses so I haven't really spent it
Auditangel google this as I cant remember it properly but I am sure if you put duct tape on a veruca for a few days, it draws out the seeda and disappears. free & effective.
Can i please ask whT you mean by "double child benefit month" I'm sute I dont get this... ..
Spent £8 on kids yesterday as I had promised
bribed ds football cards if he went up the next book band and it worked! Proud (and ripped off) in one moment lol. Obviously had to buy his sister something too as she would've destroyed his moment to shine with a jealous hissy fit, she's only 4 so needs must.
Ohhelp We get this, because CB is paid every 4 weeks and a month is usually more than 4 weeks, so depending on when you started getting your payment you'll eventually get a month where 2 payments come in, 4 weeks apart. I think it's one month a year (you get 13 payments in a year but only 12 months).
I had no idea about the CB every 4 weeks rather than per month - could this be my month?! How do I check?
NSD - 3/28.
Turnoff I only know when mine are as I list the dates I expect the different payments. Eg, let's say I got my last payment on January 6th, the next would be 3rd Feb, then 3rd Mar, 31st Mar, etc.
In that example, March ends up being the double payment month.
The government has a bit of an odd system of always sending benefit payments/tax credits etc on a 2- or 4-weekly basis. Apparently some of this will change with UC and payments that will come under UC (work-related ones, like tax credits and income support) will be made monthly instead, but CB will carry on 4-weekly for now.
Just worked it out - double payment is going to happen in April - perfect timing to help me with the dreaded huge March budget. Thank you, love this thread x
ooh how exciting
I will. look back through my statements. That will be a littlw windfall
I got all excited about double CB but I get it weekly (because I'm a single parent? Can't remember the reason) so I won't get it.
Spent £12.80 on dinner out with a lovely friend. It was extra nice because we did it with no kids and not having to rush. We still made it home early enough but it was very pleasant.
Iam thank you for the tips. Haven't been on a girl called jack's website in while. She has some lovely granola recipes on there which I may try for my breakfast. ,I have loads of porridge oats in at the moment. Also noted the poobag tip.
Finally nsd here. Thank goodness. My very frugal Asda delivery arrived this evening and I am very excited to try my corn kernels to make our own popcorn this weekend. I can't believe how little I actually bought. I have no idea what I usually buy but the cupboards and freezer are lovely and full.
NSD for me, DH paid for bowling, DD2 won both games, and a pair of leggings for DD2. DD1 got some in with the shopping but still managed to be narked about not getting anything today
Glad you had such a nice time with your friend NK, and not too expensive either.
Dosey it will be interesting to see how your shop for this week lasts.
Tomorrow I need to get a few groceries.
frugal thing today, split a mango 3 ways instead of letting DDs eat half each. Paltry effort really but still a minor breakthrough for me.
Eeee I'm so excited! I just did a ridiculously detailed budget and it feels so good! Now instead of feeling guilty for buying a coffee when I'm out I can just say, well it's budgeted for, so it's OK! I'm desperately trying to have some money left at the end of the month, rather than the other way round.
2 quid today on a coffee and scone at a client meeting and DH did a top-up shop. Thought I'd be buying a snack at work this evening but my students kept me too busy at break so a cheap day today.
I made a sort of scrap book of free things (mostly) that we can do with our toddler and it really helps as a reminder when inspiration is lacking e.g. going to the library (there's even a toy library near us), going to the garden centre (probably do that once a week!) - there's a pet store and tropical fish shop there too. Loads of cheap toddler groups round here especially run at churches - DP took DS to one that is 2.50 and has free tea and coffee and fruit for the kids, plus singing and painting. DS loves the supermarket, especially going up and done travelators or escalators and just trotting round ToysRUs or B&Q!
Ellis, congrats! Morning sickness is the pits, you have my sympathies.
Amber, I know what you mean about toddler groups. We have a fab free play group once a week, but toddler music has gone up to £5 a session and the other play group is now £3.50 plus tea/coffee donation. It all adds up after transport. I'm using the library alot more now, lots of fab, free activities including rhyme time and a weekly craft session.
I should really go to our library's free story time and craft session, I'm just quite shy and tend to stick to groups I know well. There is free hot drinks and kid snacks at the groups we go to though, so I'm at the very least breaking even!
Just worked out my double CB month and its not til June..... I had forgotten about that so it's a bonus anyway! Love it when you forget about money/income/find a fiver in your jeans not that it happens often enough though.....
Well feel a bit better this morning but ordering takeaway this week and not being as good with NSD means we will have to take some money out of the savings this week to cover bills that come out on Monday
Must try harder! On the bright side found out that DH is getting a VAT rebate of £500 so swings and roundabouts!
Toddler groups are so expensive! We do a music class that is £50 a term and DS is about to start rugby tots which is £80 a term but I am trying to look on that as an investment as it's on a Saturday morning and DH wants to take him is it's an investment in me getting a lie in !
Dd does ballet at nursery. During nursery hours, which I pay for, and it's £60 a term The local toddler group here is £4.50 it's just too much
I might try morrisons next week anyone have an opinion on it? I'm not so keen on the food we got from aldi
Morrisons is fine, the meat is very good. They do online shopping now so you can cost out the shop before you go.
They do big sacks of potatos sometimes which I've not seen the other supermarkets doing.
Thanks fluffy. It's forty minutes away... Might try it the week after and do ocado this week £20 off £80 spend for new customer.
I'm expecting a power cut today but instead of being annoyed I'm thinking of the electricity we will save
First NSD of February yesterday. Think today will be one too and possibly tomorrow. No need for a top up shop this week either.
DH has applied for another job - making 9 in total. Getting fed up waiting though. He had two interviews last week and we still don't know if he has got through to the next stage for either of them.
He's been approached about a job in Bermuda too. He "doesn't see the attraction of the Caribbean" though. I'm planning to educate him on the attractions if the Caribbean!
£7.17 in tesco on crap yum!
-£7.40 in boots as I took back a tangle teezer (thought we'd lost dd's then found it!) and bought dp some sudafed.
Blimey this thread is moving fast, not been on for a couple of days! So Monday was �6 for parking at the choir thing & �3.68 for McD's on the way home as DD only had a packed tea and I wanted her to have something warm before bed (might have sneaked a cheeseburger in as well!). Yesterday was �43 on petrol, but nothing else....have mostly been too tired to think about frugal things over the last couple of days so will be good again today!
PS: well done to everyone, I love the support on this thread! x
Toddler groups - what ages? DS is nearly 14mo and we've never been to any groups... Not strictly a frugal issue but perhaps you can give me some frugal toddler tips
Would a 14mo like the city farm? I've been wanting to take him since he was born but as a newborn I figured it would be more for me than him! Saw someone mention libraries upthread, never thought to check it out so will do.
I think I might get spendy soon. That might sound odd... We don't spend much on things, it's mainly groceries and takeaway and this thread has really helped us to make sensible purchases. But about once every 6mo, I get the feeling to buy the stuff we need - new shoes or clothes where necessary, housewares if needed, that kind of thing. I've been deliberately putting it off because I don't want to make any mistakes. So, any tips for current shoes or homewares sales?! I want to get some fairly good quality stuff but disappointed with our last lot from Clarks and couldn't afford to replace Was considering Ecco or FitFlop for me and Loake for DH, will they be fairly good quality? I'm hoping they'll last well at least 2 years. They will be worn fairly frequently and walked in, I'm thinking 2 pairs of shoes each and summer sandals (finally worn out the ones we've had for 3 years).
Tk maxx and shoeaholics are good for shoes.
delasi 14mo would love a farm, IME its one of DD's fave things to do. I will be home edding DD so we go to a couple of home ed groups, they're not just for toddlers, there's mixed ages there so she gets to play with older and younger ones. At the moment we also go to a forest playgroup but they're opening a forest school kindergarten and she will be going there for 1.5 days a week from march. I'll be using the free places so will save on paying for one group per week. I definitely don't think groups are essential but I get to see my friends as well and so they're beneficial for us both
Been a watcher for quite a while, love all your good saving ideas.
I am currently 24 weeks pregnant and we are moving to The NL next week, so trying to save as much as possible for a deposit for a house and the baby arrival.
If anybody have any good frugal tips for all the stuff, you need to buy for the baby, I will be happy to hear them
Italian there's not actually that much that's essential for babies but it's easy to get carried away! What's on your list so far? Nct nearly new sales are great.
Thanks Amber, I think we'll start doing more exploring now. We've started meeting up more with other kids (fortunately I was already friends with a number of people and we happened to have had kids within 2 years of each other, so we meet up and the DC play) but I don't just want to stay in living rooms anymore! DS is energetic and likes to climb stuff so I think it's time to get out there!
Oh Fluffy, what have you done... I've already found 15 pairs of shoes that I like. It's been a long time since that happened (just ask the minimalists, I've gone from 40+ pairs to 6!).
If you lot don't see me in a while, you'll know why
Italian Unless you specifically need things to help (eg physical problems, need extra support, or living in very difficult terrain), a lot of things can be skipped or bought later when they actually become necessary.
- bath: I still bathe DS in the bathroom sink, he's 11.3kg and 85cm, that's pretty much top of the centiles! Plus the sink is a perfect height so you don't have to bend over.
- clothes: you need some sleepsuits and vests. Big blanket or warm suit if you'll be taking baby out in cold weather. Maybe a little hat and a cardigan. That's about it! We had a Wallaboo fleecey wrap as it can be used in the carrycot, pram and carseat and it just made things easier, about £30 and used for 5mo (DS was a winter baby). Only just bought DS his first coat!
- shoes. Just don't. DS crawled at 7mo, cruising since 8mo, started walking 13mo. Still doesn't actually need shoes, as he doesn't walk when outside yet, but he has them on now to keep his feet warm as I got rid of the footmuff last month. He owns one pair.
- nappies: anything relating to special nappy bin/containment is unnecessary. If you're using disposables, then all you need are some nappy sacks. With reusables, get a pail and liner and a wetbag for when out.
- eBay: search bundles, eg '0-3 baby bundle'. I got 15 items of unisex stuff for about £2-3. They're usually very good quality, good brands, a lot of other people buy or get tons of new stuff that just don't get worn.
- toys: I found a bouncer and baby gym essential as DS loved both, and we got two Lamaze toys for the pram (hanging octopus when he was in carrycot, firefly when in buggy, loved both). That was about it really, he's never had special comforters or anything like that. People end up buying them toys when they get bigger and actually start playing.
- bottle stuff: if you plan on bottle feeding, don't go and get the massive everything-you-need kit. Get a starter kit (most brands usually go on sale around £13 for 4 bottles, 2 in each size, and cleaning brush) and see how baby takes to it. I go for the Milton combi steriliser, about £12.50 at Kiddicare, can be used as a cold water steriliser or in the microwave. You can use cold water sterilising in pretty much anything, but I wanted a set thing that I used for that purpose.
- travel cot: ok, not everyone will agree, but we were given a Pack n' Play for DS to use as his main sleeping area (common in the US and at least some of L. America). It costs £80 and has a raised bassinet option and also an attachment cot top changer. We bought an extra mattress for £25. It's fantastic. The sides are mesh so no climbing up, no smacking into cot bars or getting limbs caught, and breathable. We used the bassinet until 5mo and the regular cot until now and there's still lots of space in there. When DS finally moves out of it, it will fold up! We can travel with it, it's just so much easier than a regular wooden cot.
As for the buggy, it depends on your circumstances. But you can get away without one for a long time. We had DS in a carrier solidly until about 3mo (£30, what we could get at the time, I would say you can get a really good one for £40-50 or go for a sling/mei tai). We still use a carrier (Ergo, £80) but have only just recently slowed down with it due to our own health problems. We got the BJCM for £200 and it's perfect for our needs. Go for practicality first, even if something else looks lovelier
Sorry that's so ridiculously long.
PS: bouncers are always in the baby events/sales, we started using it from birth as DS was refluxy and it helped massively. The baby gym however we got second hand and started using around 3mo.
PPS: baby events! There's loads of them, everywhere, all of the time. I don't know if it will be the same in the NL but basically you hardly ever need to pay full price, and if you want something later and can't get the same sales there, maybe you'll have someone here who can send stuff to you? We send boxes to the NL up to 30kg for about £15 through a courier, and many companies will ship to Europe.
Â£2.50 on DS' s breakfast club.
Helena the Caribean is great for holidays but is humid as hell, gets lot's of rain and the hurricanes pass through there. I wouldn't want to live there, but that's me. You get to work on DH's education.
Won't be an NSD here, need cheese, and spray and something else I can't think of ATM. Will report back later.
SpottyTeacakes my list so fare is most like way to long lol
3 in 1 kinderwagen, plus auto chair
Rain cover, insect cover, parasol
Cot plus madress and duvet, pillow, cover around
Baby swim wear
and lots of other small bids and of course clothes, which we already have a fair amount of.
Sorry for spelling mistakes, my list is in Danish :D
delasi Thank you :D :D :D
Dont actually know if they use Ebay a lot in NL, need to check that out, when we get there. We will find out the gender Sunday, if its a girl, a family member have loads that we can buy cheap.
I want to try breastfeeding, but I have had a operation in one breast, so have no idea if I even can. So wanted a starter set, so just in case, we has something at home, if I can not breastfeed or do not feel comfortable with it
Buggy is like a sling right? My partners family is Asian, so I will try there way first, which is like huge linned, that you rap around you and your baby, they should be really good for the first months, because the baby is close to you and your skin and the body is wrapped up, so no pulling in legs or bag.
NSD yesterday, been a spendy week though as everyone's feet have grown at once so it's been 2 sets of trainers and socks. Waiting for the other two to shoot up as well, it all happens at once.
£40 to book a birthday party for 6 year old at local
screamfest playgym, he was struggling to make up a guest list to ten though so may not be extortionate amount more to pay. Must do some serious strictness with myself as far as party bags go, my secret shame is tat and the £ shop.
Congratulations italian! I found most of the stuff you're supposed to "need" for a baby you actually don't, delasi's list was a goodie I used, and still do, a sling, so much cheaper than a pushchair and you can use it round the house to get on with things when baby wants to be held. I found it invaluable. Regards breastfeeding, its perfectly possible to feed from one breast but depending on the operation on the other, it may well be possible to feed from that one as well. Bf has the frugal advantage of being free :D I wouldn't bother with a nappy bin, baby bath (those things are VERY heavy when filled and tipping them over or lifting them can do you some real damag. The sink has the advantage of you not having to bend.), baby towels (they're so small, they grow out of them very quickly. I just got a couple of normal size bath towels in a different colour. Cheaper and she can use them until they wear out, rather than until she grows out of them). Is a nursery table a changing table? If so I'd leave that, a changing mat on the floor is just as good and safer.
�19 from the book man who comes to work from The Book People & �17 in Homesense on birthday presents for this month's mammoth haul.
I have �92 left in my petrol budget and �128 in my food/household shopping budget until 25th which is payday. Will be a bit tight but I'm at home for 3 days of half-term which will help the petrol side of things (50-mile daily round trip) and only need meat and basics like bread/milk this week so going to try Lidl instead of Aldi as I prefer their meat.
Frugal things I have done today: used vouchers instead of money at Homesense, resisted work lunch out and had my soup from home. 12months ago I would have just agreed to go with everyone else.
Italian there is so much there that you won't use! I will be back after the dc's bed time! What your in laws use (the wrap around) is what we mean when we say a sling. Such a good idea to start with
Agree with Amber, we use our regular towels with DS - I remember when he was born, my DGM rang and asked what we needed, in my newborn haze I said, "We don't have any baby towels", she laughed and said, "You already have some, they're called bath towels"
We do a towel on the floor for changing, we did that on the bed when he was tiny and not rolling.
Italian The buggy is just another name for pushchair/pram/stroller. The wrap with a large piece of fabric is good, it will be easy to adjust to your needs and very snuggly Also I understand your back up option for bottles as I was in a similar circumstance, I recommend knowing how to make up formula and/or having some ready to feed (ie liquid) formula on hand in case you need to use it. In the end I couldn't bf, and at about 1wo DH and I desperately spent hours on the internet trying to work out what was safe as the formula guidelines seemed to contradict the NHS guidelines Would have been far less stressful if we knew up front!
Right, just bought the first pair of shoes... £27! Yay! New pair of Fitflop Due, in the sale, then got 10% off and 10% cashback
I'm off to spy out some more shoes now...
delasi and amber I see your point with towels, I think its just because they are so cute and when you have baby brain and its your first, you of course fall for all...
I do see with bathtubs as well, but it might be cultural, but neither in DK or NL are we use to use the sink for bath, mainly because we only have showers too, so do think I would like a bathtub for the baby. I found one in IKEA which we both like and is only like 15 pounds, so duable.
Nusery table is a changing table, sorry for the confusing. I do see the point with just having a mat, but I also thought that the changing table could be nice for storage and we dont have bathroom space to have the mat on there and think I will be tired of having it on the floor. But I need to check it out more, perhaps I can find one second hand and then just buy a new mat.
We have been looking in IKEA and we think they have loads of good stuff for fairly good prices, so defn going to get as much as possible there.
I have fallen for a Stokke or Joolz pram/3 in one, anybody have any good recommendation for prams? I want a new one, because we are hoping for more babies in the future and my parents are buying us the pram, so we have been told to choose whatever we want :D
Delasi I see the idea with having some emergency fomula feed ready, so we can use that in case breatfeeding dont work out. I will try breastfeeding first and if not working, then having the starter set as back up, some formula ready to make and the guide for us to do so Lukily we are living with my in laws in the beginning, so my MIL has raised 3 boys, so will have her for advice
wow the thread is moving fast!
So far so good, I haven't made any unplanned purchases, only petrol/train and Â£1 breakfast at work. Tonight I need to do an online grocery shop and should probably look for a Valentine's present for DH. In theory I'd like to make the card but not sure I'll have time. Good excuse to while away a bit of time on Pinterest though.
Italian - you really don't need very much for a newborn at all - a few clothes, nappies, car seat, sling. Somewhere to sleep, but that can be with you if you're OK with that. Maybe a couple of bottles, microwave steriliser, cartons of formula if it will give you peace of mind about breastfeeding. You'll be amazed how many things you get bought. Anything else you can buy as and when you need it, and then there is eBay etc.
I think we must be lucky with our local toddler group - it's Â£1.50 and includes tea/coffee/cake and a snack for the DC. The hall hire is very cheap though so maybe that's why. We also do a music class at Â£50 per term, was Â£100 until DS went to school. I do find the activities add structure to the day/week and much needed social life.
Last night I made a list of all the things we need over the next few months eg 2 x new car seats. Seems like all our cash is accounted for already, which feels a bit depressing really!
Italian you don't need a nappy bin they just end up smelling! High chair can wait until six months (ikea one is good). In the cot you only need a a sheet and a blanket to start with then once baby is big enough (8lb I think) use a Grobag (baby sleeping bag reduces the chance of cot death) so avoid pillow and duvet etc. I wouldn't bother with swimming stuff yet you won't want to do it for the first two months I donut just wait until you see something in the sale. Don't forget muslins! It's so nice that your mil will be there to help you
Ooh yes, muslins! I used them for everything!
Muslins is like cloth nappies right?
No it's like a big rag you can use for sick and dribble and snot etc etc here
spanglemaker which car seats do you need?
Ohhelp group 3/4 I think (the age 4-11 ones). Do you have one to sell?
Hello, some lovely advice on here about baby essentials, so true that you don't need half of what you think you might. My tip would be a rucksack (cheap, primark if you like) for a changing bag, so much easier/practical to carry than an over shoulder carryall.
Another frugal tip I've thought of whilst reading through...last year's Valentine's gift to DH was a �5 frame from matalan with space for 3 pictures, colour photocopied maps of 3 places of significance to us labelled 'then, now, later' with the date. Looks really good and had thought behind it.
Had a bit of a spend today. My bike has a complete flat tyre and needs a new inner tube so �3 on buses. �10.50 on making myself a 'lunch store' at work. I spent far too much wandering down to shops for lunch or snacks last month so have bought a few ready meals to keep in work freezer, packets if rice, crisps and biscuits. It won't win any nutrition prizes but I'm challenging myself to no lunchtime spends for the next 10 weeks!
Another NSD. But the cc bill arrived! Doh.
I was off work today but still sent DS to nursery I have to pay regardless! Spent �1.40 on cans of Pepsi. Should have been �1.99 for 8 but one was missing. Cinema was �7 something but well worth it. Then I spent �3.89 on bargainous bits and bobs in jack fultons. Oh I also got a pair of jeans from m&s but I used a birthday voucher.
italian muslins are a must in my opinion. I didn't have a changing table but I don't have a lot of room. Initially I used a mat on my dining table as I had had a c section. Now I just use the mat on the floor and keep the mat under the sofa (or I chase DS round the flat while clinging on to one leg and trying not to get poo everywhere)
Ok, just spent £70 (total) on a pair of a flip flops each for DH and I and a pair of casual shoes for DH (he has been wearing this one pair of walking boots for years and finally admitted that he'd like something a bit simpler!).
So as you can see, doesn't look particularly frugal at my end right now, but this is how we always do it for some reason. We do a big shop and then that's it for ages. Once I've done the shoes, we won't be buying anymore for probably at least 2 years (except for DS of course). I would like a pair of tan boots but I have annoyingly wide calves and only Duo will do, but they're not essential and given the cost and that we're slowly creeping towards spring I might wait until next winter! We last bought clothes in August and that's pretty much us done, I would like to buy a black sleeved top and a black cardigan to replace two that have now given up after a good few years of use.
So pleased with myself, was making fajitas for tea, got to the bit where tge salsa goes in, cabt find it...swear blind id bought it....anyhow dh suggested nipping to tesco and i said NO il find something....opened a tin of tvalue chopped tomatoes, mixed in with the powdered spice in the pan...tasted better than the jarred stuff! Im convinced i saved over Â£20 as im sure while in tesco i wudda bought crap
Turnoffthelights I am going to sound so non frugal and spoiled, but I do not like rucksacks at all, reminds me of school bags... And it need to be a bag, that both me and my DP will use, I have been looking at something like this www.baby-dump.nl/index.php?page=product&id=11516&groep_id=468&merk=2948
which I quite like and not overly pricey I think
What! You don't like rucksacks?! (Btw, you're not the first to decline my rucksack suggestion!) I regularly make DH carry our blue spotty one! The bag you've linked is lovely though, very suitable for both you and DH x
Turnoff Don't worry, we're with you on the rucksack We thought we were the only ones! I thoroughly dislike changing bags... (although, tbh, we own a super compact one that we got cheap off eBay! It doesn't look like a changing bag though and it fits in the rucksack )
Italian Kaiser also do a really good and practical changing bag, I think they are a Dutch company and also do fantastic footmuffs for cold weather.
(this is a changing bag that I actually like!)
Anybody have any good recommendations for pram/3 in 1. I quite like a city modern model, where the cot, strolly and auto chair can be placed on the frame. My favorite model sofare is iCandy and Stokke, are they woth their price?
Hi there, just checking in. I thought and hoped today would be nsd, then an Avon order arrived which I had forgotten about, so that was £12. I was quite glad when my Avon lady told me she was quitting, as lovely as she is I do get carried away with an Avon brochure.
Remember the cheap asda delivery, well my order of cat food, toilet paper and kitchen roll has disappeared from my order, no wonder it was cheap. So £8.00 in farmfoods buying the missing things. They did work out cheaper than asda anyway!
Also remember the popping corn I bought on my frugal , above mentioned asda order. Massive bag for £2.00, makes tonnes of the stuff. Well I have only gone and cracked a bloody tooth on the bloody stuff!! So an unplanned trip to the dentist is on the cards now! Its so hard this money saving lark, all my good intentions and on the first day of the month I smash my phone and now I crack my tooth. We are only into the 5th day of the month!
picknmix loling (bitterly) at your description of changing a toddler's nappy :D
Delasi your clothes buying sounds very healthy, I am trying to stop buying blooming clothes (am on the no clothes for a year thread, have serious doubts about my ability to do it but we'll see), and only buy to replace what's worn out.
What bad luck, dosey
Me - £50 in supermarket. DH assuslted his CC again.
Italian I would agree to just getting a cot and a couple of sheets before moving your baby into a baby sleeping bag. Gro bag are a great choice and there's plenty of second hand ones around. If you buy new they come with a room thermometer and guide for what to dress baby in. Current guidelines say no duvets or pillows for children under 12 months and growing evidence suggests not attaching cushion bumpers to the sides of the cot.
I would also reconsider the changing table. I promise you that you won't be disappearing off to the bathroom every time baby needs changing. Mats transport easily and can slide under tables or sofas when not in use.
I've also been shoe shopping but only because current favourites aren't going to last much longer. I did use vouchers/cashback etc to get approx a third off though so I'm happy with that. Also used my Christmas money that's been stashed away waiting for me to treat myself.
Well done Hickory on your culinary success. Since I've had to think about our budget more I've actually become more creative in the kitchen and often substitute what I need for what I have. Over 12 months in and no disasters yet!
Iamnotanugget regarding the changing table, then we are defn going to get that. It will be in the baby room and all my friends/family have always used a changine table. We will also be living with my 2 bother in laws and my parents in law, so out of respect for them, I am not going to pull out a mat and change my baby everywhere... Perhaps its also cultural, but where I come from, we dont really do that. We will get either a second hand cot and new madress or buy a cot in IKEA and yes I know, duvets ect comes later, but baby still need something for the pram and the dumpers around the cot is recommened where I come from, so will follow advices from home, not that I say, UK ones are bad, but I feel a lot more comfortable about following Danish advices.
Ok, more spends for me...
£44 on 3 new bras, which is totally awesome as they're from a very good brand and I have an awkward size.
I just have a few more things to get, but I may retire for the night - hunting down the best deals takes time! Was definitely worth it though, got about £10 in cashback today, plus £10 off in one store, and over 50% off on the two proper shoes (ie not flip flops!). And the bras, of course, the bargainous bras.
Just discovered that we've got twice the credit with the leccy than I thought and that it will be automatically refunded next month. We also get cashback paid next month and we got a bigger sum for the phone upgrade, so all together that's going to help so much. I've had to take time off work for sickness but can't get SSP (and really, really wanting to avoid ESA, I think we may not even be eligible, I often seem to fall into some strange benefits loophole!) so this means I don't have to worry about all of the missed hours so far
I didn't even know you could get credit paid back in a lump sum during contract before this thread, so I'm glad I'm here!
Turnoffthelights I love your valentine picture idea. I might steal that for the card - DH will expect chocolates as a present and as I will benefit from those too I won't disappoint
I just did a Â£40 Ocado shop last night, the minimum amount for delivery, as I've decided to change my weekly shop day from Thursday to Monday. I chose Thursday thinking I was buying stuff in for the weekend, but actually it's my working days (Tues Wed Thurs) when I need fresh stuff for sandwiches, easy teas etc. I have more time to think how to use leftovers, baking bread/treats etc at the weekend. I think I always had it in my head I had to shop for the weekend because that's what my parents did.
It will mean another Â£40 shop on Monday. I was hoping to do 4 x Â£75 shops (or less) but it's not much over budget and hopefully I can claw that back over the month.
This thread is moving really fast! Not sure when I lasted posted.
I've a 12 week old baby, my second & all I've bought is reusable nappies, reusable wipes, a couple of breastfeeding bras(when my size settled & I knew it was working out) a couple of bottles when it turned out he wouldn't use his sisters & this week a pack of vests. All his clothes have been hand me downs & presents.
Mon - €30 diesel,
tesco :5 bottles cordial for dd(special aspartame free very cheap in tesco) 2 packs of vests for ds, steak mince for dinner as forgot to take meat from freezer €20
99c bottle premade formula ds at childminders & nothing expressed
€13 topup shop aldi
Pull-ups for dd, will do a fortnight, milk, bread, custard creams, chocolate
That's it until travelling at weekend, getting tesco delivered on Monday so will have stretched shopping out to 10days
Normally I do the good shop today but I have checked out the freezer and reckon I could stretch it out till Tuesday so no shop today.
Have to post out a few more eBay sales today but pay for those through paypal credit.
Taking DS to his music class today but paid for that in advance so it should be a NSD here.
Yesterday I didn't have time to make a packed and the bread smelt strange so I threw it away. Bought lunch in McDonalds £4.59.
Thought about buying painkillers/more heat pads for sore shoulder, but instead booked a physio appointment for today. I'm not sure what that will cost, but it's getting worse not better so it needs fixing. Have checked my medical insurance cash plan and should be able to claim the cost back. Just need to check they are members of professional body.
Kids Spanish lesson tonight, normally DH pays but he is away so I'll have to pay £25.
Oh, and my £97 Tesco shop only cost £47 as they didn't gave the Cognac I ordered for DH for Valentines, unfortunately now I need to find something else!
£40 tesco shop to be delivered today that should hopefully last until next Thursday.
Buying a car on Sunday so that sets me back £750 but it will be bloody worth it to not be cooped up in the house all day and means I can go to aldi instead of budgens!
Will be a nsd here today as I'm not going anywhere! Hopefully get a few more bits on eBay too.
NSD. Poorly and in bed, so likely to stay that way.
The spends continue... just got a pair of slippers each for DH and I, £10 off then further 20% off so happy with that, still cost £60 but hey ho. Because we shop this way, when I do eventually get around to buying it's a bit more fun/guilty pleasure (I used to shop loads and it just became a thing to do) and I sort of indulge a lot more - used to buy anything on sale or in cheaper stores and have tons of stuff bought because of its price point, but now we buy a lot less and when we do it's because we really like it, it's good quality etc as we will use them for some time.
Still always gets cashback, use codes, find sales however! I work in the trade industry and knowing how much stuff actually costs to produce means I shudder at the thought of paying full price for most things.
Bit of a spendy day for me: 11.74 in Tesco on fruit, bread, milk and stuff for cakes for dd1's party; £20 getting my hair cut, although it should have been £35, I had a loyalty voucher to use; £1.75 on cake cases; 84p on ribbon.
Am going to spend the rest of the day making party bags for dd1's party. Made them last year and she loved them so am doing it again. It was only 3 last year though, not the 13 she has coming on Saturday!
Sold a few bits on Ebay so am now £15.50 better off - hurrah! And have picked up 4 pieces of work today too, which is great. The overdraft is shrinking slightly!
Some more spends, a pair of new boots each. These are all things we haven't bought for 3+ years, now just seems to be the time to do it.
On the more frugal side of things, we seem to have tons of food despite our cheapest grocery shopping yet and DH has quickly adapted to a lack of ready made desserts and deli meats in the fridge, and I've stopped buying chocolate and biscuits and amazingly I don't miss them. Better for the budget and the waistline!
Going past Lidl today and we also need a small top up of milk, eggs and bread so I'm writing a short list and we'll pick up them up on our way home, so should be a small spend.
Nice blog post on The Guardian from Jack Monroe (A Girl Called Jack) on how she saves money food shopping. www.theguardian.com/lifeandstyle/2014/feb/05/jack-monroe-how-to-save-money-food-shopping-budget
NSD so far. Although DP has bought a bus ticket and is about to take DS on a short train ride for fun. But they went to Baby Boogie at the library (free) and I picked up a few more days work and found out I'm getting £100 more from one client than expected.
Must not spend money before I get it...
ooh expectingnumber3 what are you putting in the party bags? I love party bags but have to be careful or I would spend far too much!
Spangle, I've got really cute mini heart shaped picture frames from Ikea, marshmallows in homemade heart boxes and hairbows that I've made too. Also covered in hearts. Can you guess the theme?!
Have got heart helium balloons to tie to each bag along with a name tag. The fabric for the bags is lovely too, from Ikea, pink with red dots. I've made the bags as mini-shoppers and they look so cute! Should fit a couple of books, crayons etc in them so hopefully they will be used again by the girls. Have enjoyed myself on this one so much!
expecting Your party bags sound so nice!
A reminder to all as to why cashback is your friend! Admittedly I do most of my shopping online, but we don't shop that much. I use Quidco and sometimes it's just 2-3% cashback, sometimes there's a great deal for upgrades or switching suppliers, for instance. I just looked at my activity and we're currently getting back in cashback just over 25% of what we spend when you look at total spent versus total gained. Given that we usually shop with voucher codes, sales and offers, that's a fantastic amount extra back. Look after the pennies...
expecting they sound lovely bags, could you post a picture.
feeelance just read that link and it makes a good read. I love her stuff her website is really inspiring. I am gonna try and make her granola recipe tonight.
Well a nsd day today which I am very pleased about. I am at work tomorrow and have made my lunch so hoping for another nsd tomorrow.
Dosey, delasi, thank you! I will post pics once I figure out how!
Right. I have a plan. I am going to move shopping delivery to Saturday morning and include a couple of luxury items. The idea is that, by doing this, we will avoid the fatally expensive weekend top-up shops that are probably my biggest drain on money.
Will we stay away from Tesco... only time will tell...
Technically NSD although I spent some money on supplies for work. As I will claim this back I won't count as a spend
Shopping day...I now try to do mine on a Monday. I used to shop on a Friday or the weekend but always overspent on treats for the end of the week or lots of ingredients for a slap up meal or wine. Also it's easier to shop close to work without a toddler in tow!
Sold another item for £10!
My money for food shopping seems to go on snacks for the dc. Dd is three and going through a fairly picky stage. Ds is 14 months and I'm not sure I can afford to keep him
Not checked in for a while. Grocerie budget not too bad - cc cut. off point is a week today Nd we have overspent by about Â£100 (not bad as we were already about Â£250 over from christmas). car tax due & desperately need a nrw back door. Wood has warped & swollen and we can hardly open it some days. Looking at composite doors which are Â£Â£Â£. Anyone recommend anywhere?
£1 on a group for DD and 6.22 on a basic Spanish book from amazon. However, I have a friend who has her own fashion label and she very generously and unexpectedly GAVE me a beautiful dress today as a thank you for lending her a book (she did have it for about a year!!)! So lovely and perfect for a wedding I have coming up which I'd been worrying about. It costs about 60quid new, so I've really saved a fair whack today
�2.19 in Aldi and �45 on petrol.
I've just done a freezer audit and am determined to spend as little as possible on food from now until pay day in March.
I really like the pp about changing shopping day to. Monday. I too need easy food and packed lunch stuff early in the week. What a good idea. I am also considering a milkman delivery on Fridays of things that run out like milk, bread, eggs, bananas. I reckon I could save that way even though milkman is more expensive than the supermarket.
Fab about that dress Amber
Those party bags sound great Expecting
Will read the Jack Monroe link later, Thanks for linking.
Amber I'm very . I have a wedding to go to later in the year but nothing to wear and currently pregnant so have no idea what shape I'll be by then. A fairy godmother delivering the perfect dress would be amazing. You have a great friend.
expecting those party bags sound lovely. I made dd's party bags last year but I'm inspired to try your idea this year.
Someone has finally bid on my ebay stuff, yay! I'm estimating I'm going to over spend by £100 this month so anything I can claw back will be useful.
expecting I am going to attempt some boy's bags like yours. Never thought of Ikea for party stuff so that's a great tip. I have some lovely fabric left from their bedroom blinds. Stealing your idea, thank you x
Expecting - bags sound gorgeous! I bet your DD and her friends will be over the moon with them.
Delasi - well done with the cashback. I really must get into that. I've signed up with topcashback but not bought anything yet.
Kinky - yes going to the supermarket at the weekend is bad news for the budget.
I may switch back to a Saturday delivery when the DC are older but at the moment I find my work days are a bit crazy - out of the house 6.30am - 6.30pm, then read/bath/bed, then prepare lunches, laundry, cook our tea, chase preschooler back into bed, etc etc - very easy for me to get disorganised and go out and buy crap/takeaway and forget to make work lunches. Disorganisation is my main culprit for overspending on food.
I also need to own up to £20 spend in Home Bargains today. I can never go in for just one thing £20 bought birthday present and wrap, new toothbrushes for DC, lunch snacks, Friday treats for DC, conditioner x 2, shower gel so not bad.
Help.... Hi all,
I cancelled my car insurance with admiral because the car is sold and they said they would pay back my credit.
I have now found out that they have transferred my credit to my account, great
They have transferred back to my old debit card number. I use to be a Lloyd's bank customer but got moved to tsb. I still have the same account and sort code but got a new card with new card number
Any body who knows if the transferred will still get to my account or what should I do?
It should get automatically transferred but I'd ring the bank to check. You can't be the only customer with this situation.
Thanks will get the bank a ring tomorrow to check
It will get transferred no problem, i had 600 go out to be refunded to my visa debit but lost my card and had to cancel and it still went through, also in the switch from lloyds to tsb, will be fine
Big expenditure coming up on Monday car key acting up & locked my 12 week old & almost 4 year old into car on tues, luckily she was able to unlock it from inside, nearly lost my life & will be €150 less well off on Monday to get a new one. Hope it's the key that's the problem & not a more expensive central locking problem.
Tesco shop ordered for Monday €100
Three days meat in freezer so butchers should be cheap enough for next week too.
Went for physio yesterday, 1st session cost £50, follow ups will be £40. Fortunately I can reclaim up to £250between now and June, but I should be able to get an NHS referral, on way to GP now. Been instructed to get pain killers and anti inflammatories, wow, 2 prescriptions! Expensive
NSD couple of days! Happy weekend everyone. I'm thinking that this shop weekend will be bread, fruit and veg. That's it. Freezer is full. Need to cook!
Small top up in Lidl yesterday, £7, stuck to list so all good. The local Lidl is now open later making it easier for us to go there on our way home, so my aim is to try and buy most, if not all, of our milk, bread, eggs and ham/cooked slices in there. They're cheaper for other things, of course, but we get through those four things in huge quantities (it's only me, DH and 14mo DS, but we seem to need at least 16 pints, 3 loaves and 18 eggs a week the cooked meat is just cheaper and light to carry!). We can't carry too much stuff home which is why we get groceries delivered, but I think these will be alright as we pass it regularly enough. Milk is £1 for 4pts, their white farmhouse is now 59p, and the large free range eggs are 15.1p per egg so all very good.
Also just tried Lidl's Freeway cola the other day, it came with our takeaway. It's surprisingly good! I usually never go off-brand with coke but I would definitely give it a go again.
Just looked at my current spendy tally, it's... ahem... a tad steeper than I'd planned. But, in for a penny in for a pound It's all very much needed and I have some peace of mind knowing that'll be it for years. DH's boots are gorgeous (I love them far more than he ever will!), the quality is such that you can wear them solidly for 5-10 years and only need to resole them once and they still look fantastic, so they're not that expensive taking that into consideration.
Once it has all arrived safely we will be getting rid of all of the stuff that is now on its last legs. DH's lovely boots are replacing a pair that we got from Clarks 3 years ago, I trusted Clarks <sniff>, but they were so disappointing And we weren't able to replace them. I got a pair of shoes there at the same time and they were falling apart within a year, I couldn't believe it! So I'm a bit burned by that experience. Only DS gets shoes from Clarks now, and he only has the one pair that were bought on sale. The next pair will be Crocs! (I'm unreasonably excited about buying DS a pair of Crocs in summer...).
I need to join in before it all gets out of control. We moved house a month ago, but lost our buyers just before completion. We managed to move by taking a huge mortgage but then had a 7 week first payment last week which was unexpected. Also had to pay DHs tax bill at end of month. Add in all the bits and pieces which you need when you move and the credit card is creeping up.
I am telling myself it will all be fine once the sale of the house goes through, but do need to rein it in.
So, nothing spent so far today, will aim to keep it that way!
This weekend is going to be a spendy weekend. We are having a 3D scan on Sunday, anybody had that? 90 pounds, which I still is happy to pay, because its such a special experience. And then afterwards, we will go and look at baby stuff. Clothes is in general cheaper here than NL/DK, so we will most likely buy some bits and pieces to take with us.
Been to GP, 3 prescription items £23.55 but I was really struggling with the pain. Doc is doing NHS referral for the physio, so will pay for next one then hopefully free, means if I need some after the NHS ones finish I still have some private physio to claim.
Kids all at school/nursery, DH coming home tonight, DD2 has her dancing show, unfortunately having been told she only needed bunches we've now been told it has to be either one bun or 2, since she has so little hair (only 3) I need to get bun rings, clips and hair nets.
Fab41- we had that when we last sold. So stressful. Hope sale goes through soon for you.
Low spend day here. Took DS to the library this and paid 80p to pick up a book I had reserved. The paid £3.99for a couple of sticker activity books to give as presents at a birthday party DS is going to tomorrow.
This weekend should be quiet. Just the party to go to tomorrow afternoon. DH has been working outside in the rain and wind all week so announced last night he doesn't want to leave the house again till Monday can't blame him as he has been getting home soaked through every day this week.
Hope everyone had good frugal weekends
3D scans are brill, such a nice treasured experience
hickorychicken thanks Cant wait either, and we will finally see if our little minion is a boy or girl, yaaaaai
Thanks everyone! I love making stuff for the kids. Not sure if it works out cheaper in the long run but it keeps me out of the shops!
Spent £1.95 on coffee with a friend today so not too bad.
Have a great weekend. Hope no-one is hit too hard by the storms.
NSD so far
DS has decided he wants a superhero birthday party. Thinking of doing it at home as only 12 children so suggestions to do it on a budget would be brilliant! I'm thinking of getting some cheap fabric and making capes for all the children and cutting out some masks for them to decorate.
�45 in Aldi yesterday, still looking tight until the end of the month but will do my best...........planning NSD's today & tomorrow at least. Happy Weekend everyone
Nsd so far but I really want a take away.....
£222 on fixing an oil leak in my car, £4 for lunch in town while I was waiting for the car, £40 on new work trousers (2 pairs) and £15 on a jacket for my dd- reduced from £27. Rubbish day.
NSD today, will catch up later. Glad your 4yr old was able to unlock the car Lillac
two NSDs in a row! But DS1 is off sick today so we have been tied to the house.
I put potatoes in the oven for dinner so I can't have take away
Â£18 on DS' s scouts subs for the month and 80 p on his bus fare.
Hope everyone has a good weekend .
Delasi I use the same logic with shoes/boots, hope they do last well.
Forgot to post my frugal thing. DH said "these raisins have gone all sugary" BBF about 6 months ago, so have soaked them in rum for use with ice-cream. Also made flapjacks from slightly over ripe bananas.
Fab41 everything crossed for you.
Dark capes and masks sounds brill if you can get fabric cheaply
Ellis hope DH enjoys his weekend inside
ellis I would love a full weekend not leaving the house and staying in pjs the whole time.
Nsd so for but popping to see a friend tonight and after this week of locking the dogin the car, breaking my tooth, I feel a bottle of wine maybe on the cards.
italian scan was lovely at times but kind if weird when it is focusing the image too. It was wonderful & worth doing, but it's not like watching a perfect image on tv. We didn't want to know the sex so had to be careful!
had a vlsd today - just postage for a mumsnet swap (extortionate Â£6 for a bundle of clothes) and some sausages for breakfast tomorrow. I am finding keeping a small milk in the freezer really helps prevent those impulse shops. However my parents have asked (politely) if I will host Sunday dinner so I have to buy for that which will be considerably more than the zilch I was planning. Sadly dps and dgm dont appreciate bolognaise, chilli, curry etc. So a Â£10 joint of meat it will be!
Big spend today - £190 on our mini-break with extended family in March we did put the money aside in savings account before Christmas but I'd kind of got used to seeing it there when I logged into online banking. Seems such a shame now it's gone...! On the plus side we had talked about all pitching in for a grocery delivery for the long weekend, however I frugally suggested that each couple provide one breakfast and one dinner which has been enthusiastically accepted. It's great as it means, as you elude to above ohhelp, that we can get away with something like chilli for dinner and pancakes for brekky for our contribution. Something cheap and cheerful!
Have a great weekend everyone
turnoff we did that on our family holiday - each pair cooked two evening meals for the rest of us and takeaway on the last night. It was a) cheaper than paying for 7 different meals, b) lovely to be cooked for c) avoided madness in the kitchen.
Bought DS a porcelain teaset for 2.99 today at the garden centre in anticipation of a day stuck indoors and me feeling crap from a headcold. He is mad for tea parties!
Got a fair bit of work done despite feeling ill which is good. Takeaway tonight in lieu of going out on Valentine's Day.
Adora I hope so too!
Ohhelp A frozen milk is good. DF keeps 1 or 2 long life milks in the cupboard for this purpose.
We're steadily getting used to less takeaway and food/coffee out, and less cook from frozen stuff. It's not that cook from frozen is bad, but when we start using it, it ends up becoming more regular, and it works out more costly over time. I always keep some frozen chopped veg, some frozen yoghurt or ice cream, and frozen mash. We used to have burgers, chicken bits, chips, pizza, but I haven't topped those up since we ran out and we're not missing them, we've just got more used to having some leftovers in the fridge for late returns to the house or tired/sicky days. DH made bolognaise before leaving for work stuff this evening, but I'm also going to slow roast some pork this evening whilst I generally laze around (I'm recuperating). So tomorrow will be a very easy cooking day of reheating and some veg.
I think I've finished my spends... well, mostly. I am going to check one shop to see if they have one item I would like, if not I won't bother (it's a specific brand and they only have one store in the UK). That would be £20-30 so not awful. DH would like some more cufflinks as most of his shirts are double cuffs, one pair broke so he has about 4 pairs so I'm off to look for some - shouldn't be too bad. My current tally is, well, like before, only more (!) - much higher than initially planned, but really glad with what we've got, everything has been on offer/sales/cashback, and I can just forget about it all for ages!
We just had takeout
I am not happy with myself but me and dp bloody ill
Spent about 80 quid today but bought food shopping, petrol and dog food. Shouldnt need anymore food until next week at least. I had a crazy day yesterday and was so tempted to get a takeaway but I resisted! V proud!
Spent about 80 quid today but bought food shopping, petrol and dog food. Shouldnt need anymore food until next week at least. I had a crazy day yesterday and was so tempted to get a takeaway but I resisted! V proud!
forgot to tell you what I came on to say earlier. I have RESISTED all attempts by Orange to upgrade my phone. I am sticking with this one until it gives up & have moved from my Â£36 contract (which always costs me Â£46+) to an Â£8 monthly rolling contact. Have to get used to using whats app for photos.
NSD for me.. Although I had to take DH van for an estimate after he drive it into a post. 400 quid! That'll be staying dented for sometime
LSD. £2 at play gym!! That's it!
NSD yesterday, won't be today as need top up groceries for meal plan. It should only be small fresh stuff - milk, yoghurt, salad etc so hopefully not more than £15-20 max.
eBay stuff all ending today and tomorrow - have made over £250 so far, so glad I forced myself into it! Am planning to re-list stuff that doesn't sell and try once more, then it'll all go to car boot in mid feb.
The worst thing about eBay is selling stupid purchases I never wore for about a tenth or less of what I paid - e.g. recent "designer" item for £4.23 when I paid £90 a few years ago, never even wore it.
delasi I'm glad you liked the shoe sites, I use shoeaholics eBay site too.
£10 on fuel & £10 on parking yesterday.
MissAnnersleyismyhero I find good high street makes like karen millen go well on eBay but anything designer doesn't unless it's stuff like chanel. It's really odd, boden goes really well.
Feeling better today, kids bored so we are going to do some baking later All stuff i already have in of course
May set an ebay account up later got a few things to flog.
£85 on ocado shop. Forgot yoghurts and chocolate bars
fluffy do you think people are scared it's fake, or just don't know much about certain designers, and do know about Boden/Hobbs etc?
A NSD day here hopefully. Taking DS to a birthday party lately and that's it. Hoping for a cheap weekend as nursery fees came out twice by mistake yesterday so £880 in one go! Ouch! Hoping to struggle on though and then it means not having to pay next month but we will see how we do
Miss You've touched upon why I wouldn't buy designer on eBay (well, apart from the fact that I'm not too interested in designer!), I wouldn't really trust it no matter what the seller provided as proof. Whereas no one is going really going to forge something like Boden, but it might be something nice enough and a bit expensive or overpriced for someone to want to pay retail price for. I think if I wanted to buy second hand designer, I would go to a specialist outlet for that - there are a number of stores and websites that specialise in second hand designer names, and that just makes it seem like it's going to be genuine, I assume that they have to authenticate it in some way.
M&S has got a sunday roast deal for �6 whereby you get a joint of meat/poultry and two side dishes. You could easily supplement it with stuffing balls and yorkshire puds to comfortably feed an extra few mouths.
Ooh that roast deal sounds good.
I think people are worried about fakes on eBay.
have spent half an hour or so testing each electrical appliance to see just how much juice they use!
this is after a rather scary leccy bill!
It was a really interesting activity. I have one of those Current Cost thingies which show exactly how much leccy you use. Am definitely going to limit oven use and remind myself NOT to overboil the kettle any more!
...even the router cost more than I thought. I must remember to turn it off at night.
Was going to go to the supermarket for the few things... But didn't because of various things going on. So tonight we are having roast, have made some bread (waiting for it to rise now) and that could sort us till tomorrow or even Monday/Tuesday...although having said that I really won't be able to get to the store then as will be full on work as usual. So I'll try and get to Aldi or somewhere tomorrow.
Oh... And we are going to upgrade our phones because dh's phone for some reason has decided to go 'no sim' on him quite frequently and that's not good. He's out of contract though and I'm at the end of mine. Went to O2 earlier and they were going to give me a new iPhone 4S for less than what I pay now!! Or I could have a 5c/5s for same as what I pay. So will be doing the 4s I think. Don't need a posh one...
Do it online and go through top cash back. 02 give about £50 I think
Spendy day today but I'm having a weekend away with my mum sort of. �8.53 on stuff to take to my ex's for breakfast. �8.50 in a charity shop on two tops for me, book for DS and book for my mum. �8 on parking and �6 on tea and cake for mum and me. �8 something on random stuff in b&m for mum and me. However mum has paid for hotel, meals and a bread knife for me!
Good news too is that my ex has reviewed the child maintenance that he gives me and he is going to be giving me �50 more a month as of this month.
Hope you're all having lovely weekends.
This thread is flying! Will catch up tonight.
Spent £35 on bits for dd1's party. Plates and stuff are so expensive! Have just sent the last of them home and although they all had a great time , 13 7yo girls in the house was too much!
Love your idea Dark. Can I suggest lining fabric for capes? It's pretty cheap, and shiny and swishy too for full superhero effect! A friend made a cape for ds out of that and he loves it!
Fab news picnmix. Kids stuff is so expensive, especially shoes!
Agree about designer fakes fear. Boden is a winner tho!
silkknickers, what were the worst and best appliances in your test. Ashamed to say I rarely turn my router off at night. Must Do Better.
picknmix that's great! Will you ex have a word with mine, do you think? :D
Spendy day although bargains eventually found storage drawers to fit in bathroom �60 for 2 units so all sorted
n an 8ft trampoline with net for �40 one spring broken but slightly different spare included otherwise all new important boxes so fab bargain cheapest new price was �99 for same one - had been looking for a while
Lining fabric <smacks forehead> you are a bloody genius!
Spendy day today. £14 on second hand books
Never again will I take the DCs to a charity book fair! Was all change from the change pot so didn't feel like proper money IYSWIM.
silkknickers we borrowed one of those energy checking things from the library and it was a revelation. Have you checked out how much a shower costs? DP has much shorter showers now! Agree the kettle is a shocker but tumbledrying was less expensive than expected.
We can't turn our router off because of BTVision and recording things at night, plus a tech friend told me ages ago not to!
Was a NSD today but had to ask friend to get some emergency looroll and milk for me (out of both and home ill)!
How much does a router cost to run at night? I honestly never considered it... Now I know why FIL insists on turning his off all the time!
but if I turn it off, I'll have to get out of bed again after we finish watching rubbish before sleep...
Hi spotty and anyone else who uses topcashback
Right, I've never used them... It sounds too good to be true, why would they give me £126 to buy an O2 phone with them??? (Yes!!!).
Tell me more.....
Naturally anything that generates heat uses up a lot of juice - oven, kettle, washing machine etc. according to my figures, with everything off apart from the fridge/freezer I'm using 113 watts. With the kettle on it jumps to 2.23 kw.
What particularly surprised me was that with the key lights on that I usually leave on of an evening it uses 208 watts (with low energy bulbs). I must remember to only have on the lights that I need. I DO LIKE to have a well-lit home, but I'd prefer a lower energy bill more
TV - 174 watts
Xbox and TV 231 watts.
Have been putting off doing my reconciliations but bit the bullet and did it this morning
Everything else budget: -£65.04 in the red (mainly due to 4 birthdays so far including DS2 and DH)
Petrol / bus: £108 remaining
Food: £192.84 remaining (I'm not sure about this and think I may have misplaced a receipt, although it's not like me so I might have to adjust this when I get my credit card statement)**.
Kids: £118.80 remaining
**I pay on my Tesco credit card and then transfer the balance across from my bank account.
I had an e-mail from SeeFilmFirst and managed to get 2 free tickets for "The Book Thief" so I'm going to ask my mum if she would like to come and see it with me on Tuesday.
I had a Price Guarantee receipt for £1.40 and a little bit left on my gift card (£2.11) so I have transferred that from the groceries to the xmas account which now stands at £64.50 with 2 presents bought and also £10 in newly accumulated club-card vouchers.
I joined Tesco Orchard (someone on here recommended it) and they've kindly sent me a voucher to enable me to get a bag of free spuds, trouble is without my own car I don't get near a Tesco now, but will have to see if I can get one of my work colleagues to get me some.
Re the car: I have sent off all my documents to the insurance company so will wait for them to get back to me. I'm not expecting to get anything back though. I also sent the tax disc off on 30 Jan hoping that I will get a full three months refund on tax but I haven't heard anything from them so I hope they have got it!
Only 9 full more days to work before I start my new job.
Put a pound on at Slimming World this week but it's still 12lbs in 5 weeks (60.5lbs to go, or maybe 53.5lbs depending on how I look and feel when I get there).
£3.85 last minute birthday card
£2.85 yoghurts and choc bars forgot in shopping
£FREE breakfast from my aunt
Hi all, I've been lurking on your threads for a few months now and I just wanted to say thank you
Since following your amazing tips I now have almost £1000 saved in various accounts set aside for things from car tax / car repairs to haircuts and school trips, birthdays and Xmas!
I've made my own laundry gloop
I've started shopping at aldi and converted my sister ( which is even better cos we take it in turns driving the 26 mile round trip)
I am loving reading how everyone is getting on and smile every time I check my bank account!
Thank you all
Just requested that my overdraft be put to 'zero'
jadle- welcome and that's brilliant !
Spotty - good for you
A NSD here, had to go and get nappies for DS but had a voucher so nothing to pay.
More stuff sold on eBay so am now only £80 off my target after eBay fees!
That's great spotty!
Sounds like you're doing really well, Jadle! Don't envy you the 26mile round trip to aldi, though!
I've spent £2.90 on a carton of coconut water today! I have a cold coming on and I needed it's awesome hydrating powers. That's all I've spent for the whole weekend though, so not doing too badly
2 days NSD not next week though
Hi. Had a quick whizz through some posts on here and think I really need to join, if that's ok? Just posted on the debt support thread in money matters too. DH and I are determined to sort out our finances and obliterate our debt and I want to soak up whatever I can about being frugal and generally better with money. Will catch up with the posts to date and look forward to learning a trick or two.
Welcome Jadle. You've done brilliantly. Welcome fox.
NSD but some of my suppliers are late paying me so paying my half the mortgage this month is going to be hard & I really don't want to borrow off dh.
Realised I can get free gym membership through work. Cancelling my £42 a monther tomorrow. Signing up for free one.
No food shopping until payday (26th).
Loads of treats this month as have tons of spa vouchers to use up.
Did the food shop. Came to £10 at waitrose!! That's because I had £15 JL vouchers. And I stuck firmly to my list.
Paid £20 for a new phone... But my bill will be £10 less a month. All good.
Cooking Bolognese to make spag now, leftovers will be lasagne. Beef stew in slow cooker. That should be it for the next few days!
Welcome jadle and fox
�9.53 in charity shops. That got me a pair of Hobbs jeans, an in the night garden bag and a talking maccapaca with working batteries. I am very pleased with my purchases. No more spending now though.
Today is the start of my challenge to spend as little as possible on food until 15th March. Got home after the weekend away and I normally would have gone to the supermarket but I restrained myself. Worked out we can get our five a day tomorrow as well with what I've got in do defo no supermarket tomorrow.
amber my ex has other children and I knew they were getting a lot more than my DS. He is now splitting the money fairly and has worked out he has been way over paying his other ex. So he's now paying less overall, I'm getting more and other ex is down but fine with that as she must know she's had it good for years. Im delighted as I thought this was going to cause a war which is not what I wanted.
Can you use john lewis vouchers for food?? I've got over £150 worth!
spotty sell some on ebay if you prefer cash. Don't really underatand why. but peiple pay virtually face value.
Well I don't need the cash. We're kind of saving them for if we need something. We bought a buggy, some birthday cards and a toy remote with some today
Just done something smugly frugal. I started this last Jan/Feb then became complacent, really glad I remembered. Drained some tinned rhubarb for a crumble and remembered to save the juice. Will be making jelly with that in a bit. Got veggie gelatine in the cupboard so a pint of jelly - 6 little pots for free. woo hoo. Had dps & dgm over for dinner & have mountains of leftovers so no cooking tomorrow. oh yeah, I usually buy a 5lb free range chicken for about 6 or 7 quid. Instead I got an Â£8 one frim the butcher, still 5lb but there seems to be loads of meat left. Usually only dh & 2 dcs have some and there's not much left. It seemed far far far better quality - was plump & dry. Highly rec.
NK, did you get cashback?
I do have a tesco s 2 minutes away but I save so much more money going to aldi even with the extra petrol!
The best thing I do is buy enough milk and bread to last the week so there is no need to do any top up shops at all, this has saved me loads of money! I make a weeks worth of pack ups and freeze them then I know there's plenty of bread in freezer for toast as snacks.
My phone was just due for an upgrade and I'd got myself signed up for a new deal which was £7 cheaper than my current one but then I worked out I would pay almost £800 over the 2 years for it so cancelled, I'm about to order a sim only deal for £9 a month which is a huge saving
I just wish I had found this thread sooner!!
Yes spotty! You can use JL vouchers at waitrose.
No didn't get cash back. I haven't signed up. But i will. I just need to understand how they work!!!
NSD today, we're meal-planned until Sunday next, should be a Low Spend week.
I was a bit as paypal won't let me take all the money I made as I have reached "the monthly withdrawal limit" ..er, it's my money! But then I realised I need to leave about £40 in there at least for eBay fees, so it's good that there's something in there to offset those when they come out later in the month.
I don't really understand how tcb works.
I keep hanging my nose over Ikea Expedit unit for toys. Am thinking of creating my own box system in side ds's wardrobe. Anyone know where I can get mdf or similar cut to size for shelves? I can do it myself as I have a jigsaw but I will struggle for time and just keep putting it off.
I'll ask dh, he will know because he's been buying mdf recently.
Fluffy - neither do I and that's why I need to understand it before I sign up! And we were in a hurry as dh's phone was acting up and he couldn't get or send any calls/text. He relies on it for his work and he's self-employed!
Oh help - you can get mdf cut up at b&q for no extra charge. As long as you know what you want cutting. So you can buy a 200x150 board and draw up on a sheet of paper the dimensions you want it cutting to. And they'll do it. Mdf is available in many thickness levels and sizes so it may be worth getting a large one and then getting it all cut up. We did that for some shelving in the dc's room and we got some bonus plank of mdf for Dd's doll house to sit on (so that she's not crouching). All for £30 or less.
You sit there and think 'hmm I fancy buying some nice shower gel from the body shop online as I'm too lazy to go out'
You got to topcashback, type in the body shop and it comes up. 'Wow, 12% cash back plus acids for free delivery and 20% off?!' (Yes, it does happen!)
You click 'go to merchant'.
You're on the bodyshop page and you buy your lovely treats. Checkout.
Tada! You receive an email from topcashback saying you have x amount from the body shop.
First it's pending, then it's confirmed and then it's payable. Some take a few days, others a few weeks and some a couple of months but it's free money plain and simple
Oh and it's the rules that if you want to join you have to do it through
my a fellow mnetters link
60 weekly shop today including socks and vests for DS and 22 quid on eBay but got a coat, rain coat, jeans and 3 prs trousers and dungarees for DS which means his clothes are sorted for the year!
Just another plug for corner shops. Ours sells Kingsmill bread for 1.10 all the time. And peppers for 50p each.
Nsd here. In fact done well all weekend just £25.00'in Lidil for a pack up shop. That also included beer and valentines card for dp, conditioner and moisturiser for me. Their moisturiset, cien I think it's called with Q10 is lovely.
I've a 26 mile round trip to all supermarkets live in the country, local shops 4 mile round trip but you'd nearly save as much going to supermarket far away as they're so dear. Milk is the only thing that is same price as supermarket!
Had spendy weekend but planned so happy enough with that. Remembered my fatcheese account when buying from book depository for my mother so 21c better off!
Another great blog I've been reading (who needs magazines!) andthenwesaved.com/about-the-spending-fast/ she paid off $23,000 of debt in 15 months by living very frugally indeed!
Also reading a book by a Guardian journo called "Not Buying It: My Year Without Shopping" (Judith Levine) - it is very interesting.
Have joined the no new clothes thread - originally was planning to try not buying any new clothes until March but having seen the extent of DHs debt it will probably be over a year. Am determined to pay this off.
60 miles round to aldi
40 miles round to tesco
12 miles round to small tesco
No fees tomorrow on eBay for 5 day auction listings. Good for sellers but also good for buyers if you look on 16th there may be some bargains due to all the extra listings. I'm sure that's why I got bargains yesterday (a week after the free weekend)
freelance oooh thanks! Am going to do one last blast on eBay, might as well do it tomorrow if I have time. Have decided I don't like
anything most things I own enough to want to be in debt because of them. Am going to list everything that isn't nailed down.
What would a slightly scatty, bearded DH (plays guitar, bakes bread and cooks a mean curry) fetch, do we think?
Does anyone shop at Waitrose? Are they horribly expensive? We're probably moving later this year from a small city with all the big and budget supermarkets to a large village about 15 miles away and this is their only (small) supermarket. But they do have a farmers market and bakers, etc. Will be a totally different way of shopping to our weekly mega trolley visit.
MissAnnersley ooh MumsNet DP/DH slave auction?!
Hopefully a not to bad day money wise here. Have to go into town on my lunch break to put a cheque in and get some fruit (DS eats bananas like crazy)
Had to put petrol in the car this morning £10
Fruit spend £4
Have a free veg box coming on Wednesday then hoping to do a very minimal shop on Thursday. Just get some bits for DS birthday on Monday
Hope everyone is ok in the weather it's still awful here in Wiltshire
In some respects a crap weekend, and in others it wasn't too bad.
Only 25 in Aldi for this weeks shop and I'm at my mums next week which should mean I don't need to go again for 2 weeks, but we did eat out in Saturday 16 quid and had to grab some misc stuff which came to 16 also, so 30 qui we prob could have avoided, that said I think, as a family we needed a bit of a break as we've spent absolutely nothing apart from essentials since the start of Jan.
This months we've also had a 160 to repair the boiler, 105 for caravan storage and 120 for van tax. We've also managed to save a few quid so I'm fairly happy. Going onto the clothes thread, I've still not bought anything since Xmas
Next month (well next payday) will be 100 for my speeding fine muppet!
Freelance it is expensive but yummy! They brand match tesco and their essentials range is excellent.
£5 something on postage for eBay items. Used boots points for more calpol.
Well my low spend day just shot up! Wanted to book a place for DS on a local rugby tots class next term. Just checked out the website and there was only one space available so had to book and am now £113 lighter that's paid until the end of May though and includes a little kit which he will look adorable in
Paid on the credit card but will clear that with money from DS account. I put money in there each month for things like this so I guess it's not too bad.
freelance I understand that if you get a loyalty card you get 10% off their value range.
Spent �3 last night on an offer I saw on ukhotdeals for posh chocolates. Am panicking slightly though as the payment went through without actually stating the amount. If it is �3 then it'll be a bargain.
�5 today on DS's first haircut. he looks like a proper wee boy now (wibble)
Was a NSD with me ill at home but then garage called and MOT plus repairs and tyres is 250. And two cans of soup - 1.90
Hearing my DS say his name for the first time and laugh with delight - priceless
NSD yesterday and today. Hope I can keep it up for a few more days too, although will have to go to Aldi for milk, bananas and a few other bits at some point.
Both dd's have got colds and I think they may well be off school tomorrow so that will keep me out of the shops too! We are suffering with the floods here and the pipes in the village have given up the ghost flooding the roads with sewage. Walking to school is revolting so not going in would be lovely.
Dark, how are the capes going? How many have you got to make?
Jadle, I am so jealous of your saving! I dream of that! Can't wait until the day I can check my bank balance and smile rather than weep!
NSD, third in a row. It's really made me think about how much I spend on little bits here and there.
I do need to refund £10 to an eBay buyer, I cannot find the item they bought anywhere but I haven't actually purchased anything.
£20 in morrisons vouchers came through today so hopefully my big shop this week will be £10-15. Phew.
NSD today (think that's 6/28) but cheating a little as I need to get petrol but thought I'd wait until tomorrow or the next day if possible when il very well need to get milk too!
Spend-ish weekend. Away at relatives leaving-do. £1.85 coffee on motorway. £24 on drinks. £1.50 parking. Tried to be frugal by taking a packed lunch for Saturday, avoiding paying toll by planning an alternative route and eating so much at breakfast that we cancelled our plans to stop for lunch on the way home on Sunday!
I thought February was supposed to be a short month?! I'm feeling the pinch already. My personal spends is already nearly depleted and I have a meal out with work booked for Saturday. Whatever I spend will have to be taken off march's personal budget. Have also had to book car into garage next week to get a rattly sound checked out. Hopefully a reasonably priced rattly sound!
Found my eBay item! Well at least one good things happened today.
Poor eBay buyer
I spent a quid on parking today, then 4 quid buying stupidly over priced hot chocolate for me and ice cream for DD at the park. Tried to get her a minimilk but they were out so had to pay nearly 2 quid on a cone instead. My hot choc was medicinal, ive got a stinking cold and feel utterly rotten. DD has a tantrum in the park and I was all achey and I just couldbt cope without something warm and chocolatey inside me!
Just as a FYI, if anybody else is pregnant or have a little one, Tesco have baby clothes on sale, like 50-75 % off, and have loads of really nice baby clothes. I have bought loads today, hihi, but only paid 31,75 pounds for like 30 different kind of clothes, leggings, jeans, dresses, blouses and more
Freelance - we occasionally shop at waitrose (we used to do it quite often!) and the prices are quite expensive for things like fruit and veg. Seriously before I got out of the fruit aisle I was already £6 down. Then again I'm comparing to Aldi prices. The good thing is their meat quality is great so if you usually shop at tesco et all then it's great and they price match too. Plus if you get the my waitrose card, you get a free coffee/tea everyday as well as a newspaper. We got a paper yesterday - haven't read one in ages and didn't realise it was £2.50!!! So that was saved.
And with the waitrose card you get 10% off quite a lot of the regular stuff. So it's ok.
Freelance Waitrose might also deliver to you from the store - the reason I mention that is they do something like £70-75 off across 5 shops placed online. So you do your first online shop as normal, then the second you get £10 off, third is £15 off etc until you get to £25 off (or thereabouts). There is a timeline in which to do it, iirc it works out doing a shop every 1-2 weeks, but I've seen this offer running for a couple of years now so it seems to be a regular thing. Worth keeping an eye out.
Cheers NK5 I'm hoping to reduce my hours when we move so I'll have more time for mealplanning, baking, going to more than one shop, etc. That's the dream anyway!
delasi thanks that's a good tip. BTW, every time I see your name I get that Thomas O'Malley song in my head from "Aristocats" (In my head it's "Abraham Delasi, Giuseppi Casey...")but I'm sure you pronounce it differently!
Freelance Haha! I just picked random sounds when creating my name (I lack imagination ). But now I'm going to be looking out for it in Aristocats!
Grand total of 65p spent today on emergency kitkat.
Feeling smug. Took lunch into work. Studied at lunchtime. Persuaded colleague they owed me a fancy coffee...(they did actually owe me)
£45 weekly shop ( me, 2 teens, 1 tween and the baby)
£2.80 for 2 coffees
£13. On presents ( already had money aside for)
£29 on a dress, some lovely boots and tights, this now leaves me a minus in my clothes money so borrowed from somewhere else and will pay it back over next few weeks.
It's my daughters birthday this weekend so that's gonna be rather spendy but on the plus side I'm single so no valentines presents to buy
Oh and £3.50 on a peppa pig toy for the baby but it came from her Xmas money and she loves it
NSD here, unless I count the £1 for the toothfairy, but I won't.
Does anybody know how to change their settings on eBay to make selling 5 days, mine seems to be defaulted at 7 days.
Just opened my next statement, I am cross that they charge me £3.75 for the catalogue. I only every buy from their website. I will be phoning to cancel this.
Sold one item on eBay. I have altered the description for the second item and relisted it. If it sells now it'll be after payday now. I've had a chat with dh and for this pay month we're going to buy nothing that's non essential. We have agreed a small budget for entertaining the dc over half term, there's only so much free entertainment you can manage in the rain!
frr ebay listung tomorrow on 5 day auctions
thanks for that info NK5. Why is it that you hear of fabulous stories but they never happen to you - sod's law? A house on my road had been empty for at least 2 yrsbut been maintained. last week it was repossessed and all the locks were changed and a for sale board went up. On Friday there was an open viewing day. It sold for Â£369k . My friend has just sold the exact same design two doors down for Â£387. someone has got an absolute bargain there!
do any of you use my hermes or this click & drop service that. my local petrol station do (i think the local coop does too). I stick with royal mail because it is easy and i know what to do. I am sure the other services must be cheaper. any advice.
I use a company called Parcel Monkey who search out the cheapest deal on the size and weight of the parcel.
Ohhelp- I use collect + and drop it off at my local garage. It's a lot cheaper as well. £4.74 to send a parcel rage Royal Mail were going to charge me £8.40 for second class!
great thanks. will need to do this as I am about to ebay everthing that is shoved in a cupboard. Who said it - if its not beautiful, useful ir sentimental, lose it. I am heeding that advice today.........
That's what I've been doing I didn't think that I actually had that much to sell but once I started I kept going and since January this year I've made £200 so it's definitely worth it !
�8.37 in Aldi on fresh stuff but that should do me till Sunday. Got a fuddle at work on Friday so need to think what I can take from what I've got in. Mmmmmm.
A NSD day today. Have managed to stretch out the last food shop to last 2 weeks but getting down to the bare bones of the freezer this week
Will do good shop on Thursday when DH gets paid and see if I can make that last at least 10 days. Am scouting the threads for cheap snack ideas though as for DS birthday treat this weekend we are taking him to the zoo and I don't want to end up paying a fortune for expensive snacks there.
Had planned to do nsd from tues on but no such luck gas ran out & having spaghetti bolognese for dinner, had bolognese almost cooked so finished it in oven which is electric & will connect gas as soon as hailstones stop so can cook spaghetti!! Can't remember last time we bought gas so quite pleased with that. Recording today's date so will know how long this tank lasts. €30.
Got Car key replaced yesterday €150 and seems to have solved the problem luckily
Going plotting my direct debits on calendar this evening so that I never get caught out with referral fees again.
Had a NSD day today thanks to the hospital car park meters being broken had to take dd F&R a check up but didn't have to pay the parking - bonus!!
Ellisisland - cheap snacks: what about hot dogs? Take rolls & flask of hot water, then add hot dogs when you're ready. I've not tried it but read it on here somewhere and it sounds like a good idea. Also home made muffins with fruit and/or chopped up chocolate. Yum.
I had a frugal meal success yesterday: made a pie with potatoes, carrots and a tin of corned beef I had lurking in the back of the cupboard. DC and DH loved it. I also made pear and chocolate pudding with store cupboard supplies. Tonight's tea is leftover bolognaise - I remembered to put it aside for once before DH scoffed it.
Thebluedog- love it when that happens
Spangle - good ideas thanks! Am making flapjacks and muffins tonight but the hotdog idea sounds great!
no energy to post eBay parcel
Struggling to keep up with the thread it's moving so fast.
Impressed with all the NSDs, well done
We seem to have spent quite a bit but its all been essential or expected stuff. My car goes for its MOT and a full service this week. I've budgeted Â£300 so am hopeful it may come in under that.
I'm definitely noticing we're managing to keep food costs down with some serious meal planning.
Terrible day of spending. Getting the care through its MOT ended up costing nearly 400 (good luck northender) and also had to pay DS's swimming for the next six weeks and the water bill. We have used less water than this time last year which I put down to DS being older and not needing to do at least a load of washing every day for him!
Rather spendy few days! Car- £600, bits for car- £100, food shop £35 and school dinner money £4.36.
Have just used tesco value dishwasher tablets and they're bloody brilliant. Better than finish ones!
I signed up to sell usborne books today. I figured whilst on mat leave I might as well give it a go so £38 on that
I work in a nursery though so can casually leave brochures lying around for parents
Tried for nsd but had to pay £9 for dds school trip. Still rather spend money on that rather than tat from the poundshop which is what I normally end up doing on my lunch hour. I stayed at my desk today and read what you lot had been up to.
ellisisland heinz tom soup in flasks & cheese sandwiches to dip in. mmmm stuff of my childhood winter days out and we now do it with our dcs. Fairy cakes in a tin & take some candles to light. perfect.
Oh goodness - all of these car repairs sounding expensive...mine's booked in next week, eek!
Yesterday - £60.98 petrol, £0.69 blueberries from Aldi in order to get change for the bus , £1.50 on the bus. Total fail as well as the bus was so late and slow I had to call DH to dash across town to punch up dd from nursery anyway - desperately need to fix my bike!
3frugalthings: store cupboard eating this week, last night was soup frozen from beginning of feb; sent off my sun holidays form, closing date is Friday so may well be too late but worth a try; am keeping thermostat set to low despite drop in temps, my dressing gown is now a permanent fixture!
Also, about valentines present, or an idea for any present...I'm buying DH gift vouchers for a glamping company, first one for valentines and will continue to top up for Father's Day, birthday and Christmas. Hopefully will add up to a night away next year. Frugal because I couldn't afford to buy a night away all in one go and I resent spending money on useless crap, this feels practical and a gift that will keep giving as we plan our trip over the next year. Spent £20 this time.
Thanks for the suggestions Ohhelp definitely do that one as well
thriftylesley.com/ This lady has some frugal recipes.
One cheque arrived today THANK FUCK FOR THAT. <thinks evil thoughts about the other 3 who owe money>.
I've told dh not to get me anything for valentines, I'd rather he spent the money on himself.
NSD yesterday as both dd's off school with horrid colds. They are back in today though, but still not 100%. Thank heavens it is half term next week.
Off to Aldi this afternoon with ds, just for fruit, milk and snacky stuff for next week. Freezer still full after my Aldi shop 2 weeks ago and careful meal planning. Very chuffed with myself!
The support on this thread is awesome. This is the longest that I have ever managed to be frugal for. Long may it continue!
Spent £14 at sainsburys today and will have to spend another £10 on petrol on the way home. Wasn't planning on buying food today but we are at the bottom of the freezer, no time to do big food shop till tomorrow and my poor DH is working outside in this awful weather (we are in the south west ) trying to keep drains unblocked and putting up flood barriers so am making him his favourite dinner for when he gets home.
£3 today on play group even though we were only there half an hour because DD had a melt down and wanted to go home. I did get a cuppa and DD made some clay models though so pretty much got our money's worth.
Have to post a coat for eBay later, sent £20 for activities on friend's hen do and will have to book train tickets later so crossing my fingers that won't break me.
This thread is really helping me keep focused. I keep thinking I'll just pop out for such and such then stop and think actually do I really need that? Usually end up deciding no! Writing everything down really helps, too.
If anyone wants steak for Friday night morrisons are doing 400g of sirloin for £4.
£2.60 hospital parking
£2.25 coffee and toast at sainsburys waiting for hospital appt
£6 on toddler snacks and baby cold remedies!
Amber you probably know this already but if go through topcashback you can get cashback (few pence but all helps!) at redspottedhanky on your train tickets. Redspottedhanky also have a loyalty scheme so you can start saving towards some money off your next trip. If you have any Tesco vouchers you can change them into double the value redspottedhanky vouchers. Lastly if you're changing trains try buying tickets for each part of the journey, it's usually cheaper. I travel by train fairly often and hate how expensive it is!
Returned a couple of items today but forgot to send ebay item. Too wet and windy now. Will do it tomorrow.
I love the support of this thread too! In fact after an epic walk, bus, second bus, walk to get home I was feeling hungry and really wanted to pop into tescos for a little snack for the final leg (even tried to convince myself dd needed something to keep her going too!) but thinking about posting here made me walk on by. Now sitting with a cuppa and a biscuit - 'free' food! Total of £3 on bus journeys.
The support here is great. Definitely makes me think about what I am spending and why. Since joining I haven't used the overdraft at all, no debts even been paying the nursery fees at the start of each term rather than letting it hang over me. And have also got a emergency savings pot of £150 aiming to get it to £500. £150 in my baby savings account. And £100 in my DS savings account. All thanks to you lovely people!
Oh thanks iamnotanugget, I didn't know that. Could someone please explain topcashback to me? I'm kind of late to the party...
Is it okay to join, pl? I had a little no spend week thread and now I'd like to keep going with as little spending as possible with the odd carefully chosen cheap treat.
Today was an absolutely no spend day-didn't get in the car and we stayed in all day.
Another NSD. Nearly reaching the middle of the month and it's looking good I think. I still have to buy a few more party bag stuff for the rest of ds' class who've finally decided to reply. I'm thinking I'm spending a lot on this party! When do these big parties end????
Still have to pay another cc bill but that can wait till next week. Dh will hopefully be able to put more money in the joint account. He's currently being owed money from a client and she's a colleague of mine. It's making things difficult all round. Lesson learnt - never have friends as clients!!
Everyone's welcome bbg.
Dh has gone to buy smart price ginger biscuits for me, now that's a cheap treat.
because I had my wisdom tooth out and couldn't move and today yes!
Will be tomorrow as well, with any luck. Have paid £390 off the CC from eBay winnings this month, will be dumping anything left in the bank at end of month off it too, it's great to see it go down.
It is incredibly windy and cold and rainy here today - was going to pop out for eggs to make a cake but weather put me off, a win for the thighs and the wallet!
NSd today. First one for ages. Weather meant I wasn't going out at lunch. Haven't taken money out of bank for ages.
ellis am very impressed with you little saving pots. You are right about this thread. It keeps us in line.
Welcome bbg keep us posted on your spends, we will keep you right.
Nsd this weather is just naff and really can't be bothered to go out. I hope it clears up for the school holidays next week. I have a budget of £50.00 and it will soon go if the weather isn't good. It's so much easier to entertain kids in the summer.
You are all making me feel guilty! Can you all please give me a kick up the bottom tomorrow evening & remind me to list loads of for sale things. I just keep forgetting / avoiding / putting it off.
have you all been made aware that barclaycard, tesco & a few others are offering 0'/, credit cards (bal transfers) for up to 31 months now.
packed lunches for all now.. even DH is taking own lunch to work.. he was a very difficult one to convert but doesn't seem to mind at all now...
Funnily enough, I notice far more people having their home-made lunches in the City now.. used to stand out, but not any more.
Ohhelp - thanks for the tip.. I'm going to have to cancel some of my cards that I have no balance on, and wait the obligatory period before re-applying. Those are good periods to have 0% for..
I did get tripped up by opening up a Barclaycard to transfer a balance on to, then found out I couldn't, because the card I wanted to transfer from was actually part of the Barclays group... grrr...
Not a good day today. The car is in for its not and it hasn't gone well . Don't know how much yet but I'd budgeted for Â£300 including a service. Our lovely garage man suggested skipping the service as it hasn't done too many miles since the last one so I'm still hoping it might come in on budget. Cross your fingers for me ladies! The joy of owning old cars.....
Otherwise I've been out for lunch with a friend, not v frugal but we don't do it very often. Had soup, a drink and shared a pud Â£6 plus Â£5 bus fare as I've no car
Food shop today which came in at £100 but that should last us two weeks as shopping with DS is such a nightmare at the moment I want to do it as little as possible!
Our trip to the zoo at the weekend is off as the weather is so awful so we are going to have a picnic in the house instead saves us the price of the tickets but it would have been nice to go.
Hoping for a fairly low spend rest of the week as all stocked up on food and got everything for DS birthday on Monday.
Can I join? I am always skint lately and just depresses me
DH is at a job interview today for a much better, better paid job ...it's the first round of interviews, I really hope he makes it through. At the moment he earns just enough to pay his own bills and CC minimum payments, car bills etc but this would double his salary and allow him to help me clean up his debt, I don't begrudge him it at all but it would be better all round if we can both attack the debt equally!
Everyone's welcome sp.
Cars are a major drain aren't they? Lets hope it's not as bad as you think north. Bus fares not cheap is it? It's £5 return for me to do a 8 mile round trip to the nearest town.
MissAnnersleyismyhero good luck for the job, even if he doesn't get it the feedback can help you get the next one.
89p on a valentines card.
Nsd. Mil has got a job which means dd can't go to nursery on one of the afternoons she usually does and means we're screwed for childcare when my parents go on holiday (3 weeks booked this year) and when we go on our honeymoon. Might have to quit my job at this rate
Childcare is a nightmare. I live in fear of my DM deciding to go back to work full time as she massively helps us out right now. I will have to change jobs when I go back to work after this mat leave ( which starts in sept) CIA on my current salary even reduced childcare just costs too much
Even if we could afford full time childcare they don't open early enough for us or stay open late enough
Been reading through the posts, remembered I also have a Next directory account thingy. Does anyone know how I can cancel it and close the account without going into a store please?
They have a phone number gruffalo sure you can do it that way
Spent £35 in Aldi yesterday and that will get us through half term so not too bad.
NSD today and hopefully tomorrow too. Fingers crossed half term will be cheap as well - am planning to potty train ds do will be in the house. Have printed off a load of colouring sheets for the dd's and have lots of craft activities lined up too. Hopefully we won't all go crazy in the house!
Childcares crap in this country though isn't it? We need full time state nurseries so parents who need to work can.
Oh dear. Bought valentines gift for dh, which was a much needed watch, but £25 plus £6 for cufflinks. All okay, except I then also bought heart cutters and chocolate hearts for the children. I need to go back on the wagon.