May the frugaleering be with you - frugal chat and support for frugalers old and new.

(998 Posts)
babsmam Thu 05-May-16 06:08:41

I took the liberty as we were nearly at the end of the last one.

8FencingWire Thu 05-May-16 06:41:35

Thank you babs. chocolate

dont, part of my mortgage offer condition was to clear about £500 I had on the CC. It's with the same bank as them mortgage, they can see i pay everything off every month, but they asked for a 0 balance.
But since you're not applying for a mortgage yet, I don't know, might be an idea to use the money for stoozing.

WreckTangled Thu 05-May-16 06:50:17

Thanks babs!

cag that's brilliant I'm so pleased for you.

Nsd today I'm off to work then dd has swimming lessons later.

Ememem84 Thu 05-May-16 07:06:18

Thanks babs

Great cag

Will spend today unpacking and tidying up. And writing up meeting notes. So should be nsd.

Ipsos Thu 05-May-16 07:43:00

Thanks for the new thread. :-)

Purple I use johnsons baby shampoo as shower gel all the time. I started it because I used to travel a lot for work and it was easier than taking two bottles. I also use it to clean the bath and the wash basin now as I read that bleach cleaner is bad for allergies. I figured that if johnsons baby shampoo will do for ds's head then it will probably be okay for everything else too. :-)

Ememem84 Thu 05-May-16 08:31:27

ipsos I love the smell of the johnsons baby stuff. I sometimes use baby lotion as Moisturiser.

I am going to have such a fun day. Noticed the grout in our bathroom tiles is all icky. Am going to steam mop it. Rock and roll lifestyle right here

DontLetMeLetYouGo Thu 05-May-16 08:54:59

Eek I have a pcp finance car and I prefer it this way just for now... when this mobile contract runs out I'm going on payg (18 months yet).

I've never heard of stoozing 8.

I'm sure I'll have to look into this mortgage malarkey.

Girliefriendlikesflowers Thu 05-May-16 09:51:02

Morning all, thanks for the new thread babs

Cag thats great news smile

Im day off today, need to do some cleaning and then think may cycle to the pool for a swim, its a beautiful day.

needastrongone Thu 05-May-16 10:04:29

Morning.

Thank you babs for the new thread.

Creme, I wish my own DS were as hard working at my DD, never mind yours ha!

Girlie Thanks. It sounds like your own DD has had a brill parents evening, she sounds like a lovely, hard working and down to earth kid, well done to her after a tricky last few months. Do you have any news on the house?

Tis lovely here too.

Don't I think clearing the debt would be my priority, although the suggestion to pay the same amount into a high interest account is excellent. The debt would affect your credit rating though I think?

Spends will be
£6 training tonight.
£30 cleaner.

northender Thu 05-May-16 10:18:45

dont I always tend to go against the grain on this topic. I would definitely consider keeping the 0% cc balance if you are earning interest on your savings. It's what we do & when we switched recently we got 0% no fee balance transfers. Obviously from what others have said then when you're going to apply for a mortgage you will need to clear any remaining debt.
babs thanks for the new thread

CremeEggThief Thu 05-May-16 10:33:50

Thanks Babsstar.

Cagliostro Thu 05-May-16 10:47:24

Thank you Babs!

And thanks all for the encouragement smile smile I think I need to let myself still be sad about my job, I have to accept it will take time to get over the loss of it - but it's certainly helping having some other options. Not so much financially - as I said it's not that much money - but for the sake of a challenge and something to keep my brain occupied. smile

And now I can start properly planning my teaching too! I'm still waiting to hear back about a particular room for hire, but I'm thinking I may just have to bite the bullet and have it in my home, for smaller groups. The one room I've found that's available would be over £11 an hour, and it would be hard to make much profit if I were to set an affordable fee for the pupils I think. There's a park/cafe near here though - I guess I'm stuck in my 'no car' mode, but actually all the other parents but one do drive so it would be feasible to say there's somewhere to wait (there just isn't here, as we only have a small living room and a cramped galley kitchen).

Booked our little trip away too - had to rearrange the dates as I was a total numpty and double booked with the Kidzania trip (but no way I'm giving that up, as it was a total bargain and probably the only chance the DCs will get to go). So we still get to go up to the board game show grin and hopefully have another full day in the city for the museums. Not the long trip we wanted but we could go again some day (and do Leicester, no time for that this time unfortunately). And I remembered to go through TCB for 5% grin it did mess the dates up though but we got the flexible booking so I'll phone up and change it.

Ipsos Thu 05-May-16 11:46:23

That's a good idea em. I hadn't thought of that. I like the smell of johnson's stuff, but otherwise I only use unscented things. Maybe I should try more of the johnsons things.

Does steam cleaning grout work then? I hadn't thought of that either. :-)

Cag It really does seem to me as if these home ed groups who are proliferating and running actual classes for each other will soon be founding proper schools. Is there any chance that, seen in that light, the council might offer you space for less money?

frazzled74 Thu 05-May-16 12:06:16

Ooh I have loads of johnsons baby shampoo/bath etc , never thought about using it for cleaning. It would make the bathroom smell lovely. I've worked 2 overtime shifts and made £50 on eBay this week , must try not to just spend it , I want to save it for the summer holidays.

needastrongone Thu 05-May-16 12:06:53

Cleaner has been, so my house sparkles. She only uses Method products (ecological), so it smells loverly...

Water bill for the year has landed. It's going up by £16 to £68. This is directly related to teenagers, who will be nagged again later. It won't make a difference....

I have lamb dopiaza in the slow cooker for DH and DS and we are out training tonight.

I am going to do outside jobs now, like cleaning out the car, the chickens and walking the dogs, as it's too lovely to be inside. Even the pony has his rug off smile

needastrongone Thu 05-May-16 12:12:07

In this regard, I am going to move my utilities to Santander and at least get cash back on their direct debits.

SpaceKablooie Thu 05-May-16 12:34:15

Thanks babsmam smile.

Very spendy month last month, but we still managed to save what DH described as 'not a lot of £' - it actually was, so I told him off.

We really need to organise some work in the house though confused.

Girliefriendlikesflowers Thu 05-May-16 12:39:57

Thanks Need it was nice to hear positive things about her, it has been a tough few months and dd struggles with school at times so was lovely to hear she is doing well.

I have had a productive morning, hoovered the whole place, tidied and decided to pull out the washing machine and dishwasher to give them a proper clean. Have spruced the dishwasher up as am going to try and sell I think, although noticed that the back of it looks a bit melted? Am guessing thats not good!

Noticed my tax credits have gone down, thanks Tories hmm am going to be £90 a month worse off.

Whataboutwhathuh Thu 05-May-16 14:31:33

Hello found you all.

Today I spent £27 in primark on new shorts, pants and a couple of tee shirts for ds1. Was necessary and I paid with some cash I had.

CremeEggThief Thu 05-May-16 14:57:27

£2.28 on washing up liquid and a birthday card. I had a lovely walk through the countryside earlier and I even saw some butterflies. I love this time of year.smile

needastrongone Thu 05-May-16 15:04:13

It's super out there isn't it? Here's my dog walk from earlier, I went in the local woods as the dogs get hot in open fields.

needastrongone Thu 05-May-16 15:06:34

I've just done my online shop to arrive tomorrow, over £100 for the first time in months, but I added 6 bottles of red for £24 (online offer) and some cans of Pepsi Max (rare treat for the DC due to the heat), beer and cider and most likely folk will call in over the weekend.

And perhaps a tub of Cookie Dough Ice cream, on offer... but still expensive!

Ememem84 Thu 05-May-16 15:08:33

ipsos i had to cilit BANG! the grout first. and then steam it to get most of the ick off am not a dirty girl promise it looks way better than it did. was hard work. but is now done.

am now checking in with work emails (boo) and watching criminal minds.

CremeEggThief Thu 05-May-16 15:09:27

Gorgeous Need. Here's one I took on my walk.

needastrongone Thu 05-May-16 15:11:27

That's lovely Creme, you weather is exactly like mine, high cloud but still beautifully warm. Don't we live in a lovely country? Aren't we lucky? smile

And a walk lifts your spirits and costs nothing!

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