Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To have frugality fatigue. (Cost of living.)

431 replies

KnopkaPixie · 26/10/2024 18:03

Just that really. To do so well with finances for nearly a month then get an unexpected expense out of left field, pretending that lentil dahl is absolutely delicious, to have signed up to do surveys on YouGov and the rest and have made sod all, can't work any more hours, can't cut costs any more, can't claim anything off the state and to be kicking myself for not saving more when I had the chance. Just a moan really.

I never wanted to be that kind of miserable gît that resents every penny or knows, "The cost of everything but the value of nothing" But that's the way the value brand cookie is not crumbling right now.

Perhaps a bit woo but sometimes I wonder whether a real poverty mindset becomes a self fulfilling prophecy and perhaps a more speculate to accumulate mentality might do me better? Not any manifesting flapdoodle but just an idle thought.

OP posts:
Thread gallery
5
Meadowfinch · 27/10/2024 08:02

@suki1964 I'm with you on that. The idea of retirement keeps me going. One day I won't have mortgage payments or need work clothes.

I want to go into a supermarket and buy a leg of lamb, rather than wincing at the price and buying chicken legs instead. 😂

Nsky62 · 27/10/2024 08:02

Autumnweddingguest · 27/10/2024 08:00

I am cackling at this. Clues to who this is, please. I want to watch the Frankenstein recipe being whipped up in a quilted casserole dish.

Jane Batt

Autumnweddingguest · 27/10/2024 08:00

KnopkaPixie · 27/10/2024 01:31

Her latest is a classic.

Here I am, yet again. What I am going to do now after emptying out everything into little bowls, just like Délia Smith in 1982. With the annoying music in the background and lingering long shots of my highly désirable property.

Why, you guessed it! I'm going to to make a Frankenstein mess of roast potatoes, brussel sprouts, parmesan cheese and gluten free pasta with this, rather than just eating the leftovers heated up in the microwave like any normal person.

Have you ever heard of this? It's called sliced ham in a packet. But this very luxurious. You could use tinned tuna. Perhaps if you are very old, come from The North, failed your schooling, work in manual labour or have had your tongue extracted in a freak industrial accident you will not mind the juxtaposition of congealed 48 hour aged in the fridge gravy and tinned fish.

I will now cook ths for 9 hours in my wood fired stove to my complete satisfaction.

I used to teach English as a Foreign Language y'know but I am reluctant to disclose my proper income because none of this makes sense and if anybody asks me a real question I get ratty and flustered.

I am cackling at this. Clues to who this is, please. I want to watch the Frankenstein recipe being whipped up in a quilted casserole dish.

Cappuccinowithonesugarplease · 27/10/2024 08:00

glindathegoodbitch · 27/10/2024 04:49

I've been up since 2.30am with gut wrenching, heart thumping anxiety over money. I've been endlessly looking at how to feed a family of 4 on a budget, but even those written in 2022 are ridiculously out of date. I cannot get over how much everything has risen in price.

I read a ' How to feed your family of 4 for £50 a week' article, written in 2019... it was like reading one of those comedy posts of 'look how cheap life was in the eighties/nineties'.

We have two children. I cook from scratch, but I feel like 75% of our meals are just the cheapest possible pasta with a little crap meat (no organic/ pasture fed/free range here) and as many vegetables as I can afford that week.

With rising rates of bowel cancer etc, I do worry how all these processed stodgy carbs are affecting my kids long term.

We both work full time, petrol is killing us as we are rural, I'm dreading the budget and the rise in commuting costs (no chance of wfh). We have a budget for food and it just seems to be getting smaller and we seem to be getting less for each pound.

Urgh. I am so tired, yet I can't sleep. I'm so sad my children get this version of me. My (stay at home) mother was so lovely and definitely never snapped at her children for over pouring milk or wanting seconds.
I have started to eat very slowly so that my children can see that I have food, but I can claim to be full half way through so they can dig in to my plate if still hungry.

I'm definitely not having a wobbly lip moment writing this, and I'm definitely not crying.

Hugs 💐
Not to sound patronizing but if you live rural,
Could you possibly grow veggies?

Nsky62 · 27/10/2024 07:59

KnopkaPixie · 26/10/2024 20:54

To kind of add insult to injury, I've just made myself a distressful upsetment by watching some silly patronising cow on Youtube, ''Living a thifty and frugal life here as early retirees in our four bedroom farmhouse here in rural Brittany, France."

She talks to you very slowly and carefully about how to use parmesan to enrich your white sauce for a nourishing gluten free pasta bake in between making patchwork quilts and beating off seasonally affective depression by...

Ooh blimey.

Yes , she means well, my life is very different, I don’t drive, disabled by Parkinson’s more at time goes on ( yes I have some monies, apart from my pip, I know I’m very lucky too), I can’t do what I used to.
If I were nearer i could cook for you, or help you a bit, I’m sorry I can’t.
Hopefully some kind friends or family can?

Cappuccinowithonesugarplease · 27/10/2024 07:54

KnopkaPixie · 26/10/2024 20:54

To kind of add insult to injury, I've just made myself a distressful upsetment by watching some silly patronising cow on Youtube, ''Living a thifty and frugal life here as early retirees in our four bedroom farmhouse here in rural Brittany, France."

She talks to you very slowly and carefully about how to use parmesan to enrich your white sauce for a nourishing gluten free pasta bake in between making patchwork quilts and beating off seasonally affective depression by...

Ooh blimey.

Ahh OP
YouTube is full of these fake frugal living channels.
I watched one with this woman living in the highlands, living in her converted van home.
Said van was fully renovated to a high spec and you could tell no expense had been spared.
It's all for likes and views and most of these people have had a load of capital to get it going. Not true frugal living at all.

Meadowfinch · 27/10/2024 07:51

I know how you feel op.

After years of scrimping, keeping food costs down and not having a holiday because I knew I needed a new roof, I finally paid for the roof last year, and DS and I had a week in Portugal this July after his gcses. Bliss. Two days after I got back to work I was made redundant completely out of the blue.

Then eight weeks of job search. Back to sticking the hoover head back together with insulation tape 🙄, and not replacing my winter boots that split. Using the time between interviews to make blackberry jam, chilli sauce and pickles, and slicing and freezing apples from the garden, because it'll cut food costs this winter.

Now I have a brilliant new job but it's office based and I've worked from home for 4 years, so I need tidy winter clothes.

I am reasonably well paid. I have in-demand skills. A good degree. My mortgage is small. We should be comfortable. I am not miserable, we have a good life. I am determinedly optimistic.

But there's always something. DS needed a £90 scientific calculator and £100 of text books for his a'levels. My brake pads need replacing next month. Then Christmas, which I don't go overboard on. Cook everything from scratch.

It does feel like a treadmill sometimes. For me, being single is the issue. Society is priced for two-income households.

Barney16 · 27/10/2024 07:50

I hear you OP. There's not having enough money,then the worry of not having enough money, then the relentless grind of trying to manage on not enough money. It's the longevity that's the killer. On and on and on. We were doing great, then OH lost his job. That was two years ago. He does some short contract jobs but there's no security. I was in celebratory mood this morning because I worked out that our last shop had made 17 meals rather than the 14 I had planned. Two years ago I wouldn't have been thinking about food shopping at all. It's a fucking good job we like baked potatoes. Hugs and good luck.

suki1964 · 27/10/2024 07:49

I hear you OP

Ive been living frugally for so long now its grinds me down as well. My case is due to mental health, I haven't been able to work full time for years and have tended to need to take low paid casual work on zero hours. I had an uplift of health and managed to secure a PT job paying above NMW last year which I loved, but had to leave last month because I couldn't afford to get there - was costing me £35 a week in fuel then parking on top. I do have a free senior travel card, but Im rural and theres no bloody public transport, I need to drive to the town. But I do use that to have free days out to the city. DH has had to go PT as well, his body is giving out on him and hes still 5 years of retirement. So Ive got a wee early morning job local, pays bare minimum, but £20 of fuel will last me 2 weeks

I shop at the discounters, Any meat or fish is Yellow stickered - Lidl are very good for the 40 or 50% reductions and sometimes I get lucky and pick up stuff for pennies. Whatever it is I buy it and freeze it. Right now I have a drawer full of fish of some description or another waiting its day

Sunday dinner this week is a pork fillet - reduced to £2. It says feeds two - it will have to feed four - 2 of us x 2. And thats what all our meals are like, half portions of meat, rubber bloody chicken, stews and curries cooked in the slow cooker with more veg then meat and now more often then not the veg is frozen as fresh is just getting too bloody expensive. 60p for a turnip the size of a tennis ball? Was ruddy pig feed when I was young !!!

When Im home during the day, its a dressing gown over my clothes rather then put the heating on.

Clothes are charity shop.

Its the time everything takes when you are watching every penny. Id love to just go to one shop and get what I need, but I cant because this shop is too expensive for everything and that shop down the road has that half the price. And one charity shop wont have what I need, so I have to hoke about all 6 in the town to hopefully get. And whilst Im doing the charity shops I might as well dander about all the local spars and look in their reduced sections - pays off, yesterday I got butter for 20p

I know I have 7 more years of this before I hit retirement and then with us both getting state pension, and the small private pension I already have, we will be able to relax the purse strings

Tomatocutwithazigzagedge · 27/10/2024 07:48

KnopkaPixie · 26/10/2024 22:15

I've worked in catering and hospitality quite a bit and I know how to make the best version of most things but I look at every recipe now and think about how I can pare it down to the barest edible minimum.

Thankyou anyway. Please don't take this the wrong way. This time next year we'll be millionnaires Rodney-ella and you can come round to my mansion and we'll dîne on the best, most authentic dahl and rice ever!

Perhaps with a side order of steak.

Op, I'm so with you on the Dahl. I lost my job at the start of covid, and by the end of it my unemployment insurance had run out but people still weren't hiring. I lived off my tiny savings for six months with no benefits (I don't live in the UK).

DS and I lived on Red lentil and spinach Dahl nearly every day, served with variations of rice or homemade roti or naan when we could. I used to sometimes lose the will, and need to perk it up with a tin of coconut milk, or buy a jar of curry paste just to get through a weekend.

Bless my son who ate it up every day without complaint, but only admitted to a family friend last weekend that he was at his limit by the time I found a job.

I made a pan of it last night, nearly 3 years later I can face it, but, I had to put a sweet potato, and a red pepper in with the spinach to motivate myself for the week. (Tax bill comes out of my salary on Monday so it's a no spend month.)

I have perfected my "Linseneintopf" since covid, so I've also bunged a pack of Lidl mini weiners and green lentils into the trolley, so I can alternate my options.

But, anyway you serve it up, it's basically the gruel of the current century.

CeruleanDive · 27/10/2024 07:48

My advice is: go and buy something small, relatively inexpensive but utterly luxurious that you really want. Do this once a week for the next month. Do the same with recipes. Once a week buy what you actually want to eat, not what you should. You can live on beans the rest of the time. You can be clever about it if you want and go for yellow sticker fresh tuna steaks that need to be eaten that day, for example. But once a week pick up something because you want to eat it or to use/have it. And once a month have a family treat that does seem a bit frivolous. It will stop life from feeling so gruelling.

How will OP pay for this, @Autumnweddingguest?

IrritableVowel · 27/10/2024 07:47

These days we are bombarded with higher expectations, so our perspective is different

Oh stop with this carry on @Wantitalltogoaway - the fact that families are rationing food to the extent parents are skipping meals to feed their kids, and having to decide between heating or eating, is barely touching the lowest of expectations.

You can compare it all you like to your grandparents 50 years ago, or 3rd world countries - it doesn't make it OK for people to have to exist in this way.

BadPeopleFan · 27/10/2024 07:47

It's awful at the moment, we had more disposable income 10-15 years ago and we were paying for childcare at the time!
I could take the kids away for a week in a caravan in Cornwall, can't afford that now.
Meals out, days out, Christmas- we did everything and did it well. We both worked full time on not much more than minimum wage and we felt well off compared to now.
Every conversation ends up being about money, if the kids need new clothes can we afford it? No probably not but they can't exactly walk around naked so plans have to be made.
I am not in the same situation as OP, I am still managing to pay for treats etc for the kids and some bits for us but we will be up shits creek if we are not careful.
It is the relentless drudgery of thinking about every sodding penny that gets you in the end I think, more so than going without even. The nights you spend awake thinking about it even though you are exhausted and need the sleep, the crushing feeling you get when your child needs a fiver to join in something at school, even a retirement do at work that you can't afford to go to so your colleagues think you are a misery. Don't get me started on secret Santa's, birthday collections, collections for new babies etc.
It is the constant drip drip drip of money out being more that the money coming in.

thepariscrimefiles · 27/10/2024 07:44

Wantitalltogoaway · 27/10/2024 05:42

I think it’s also important to remember that, no matter how much you’re struggling, in global terms you are NOT poor.

Even in historical terms in the UK, you are NOT poor.

I’ve been very short of money, comfortable, quite well off and everything in between so I do get it, but there’s definitely a whiff of martyrdom in some of these posts.

How does this help the OP? If you don't think she is poor, how would you describe her situation? Will thinking about people who are much poorer than she is make her dahl taste better?

The world is an utter shit show at the moment. Even children in the UK living in cold homes eating food from food banks have a better life than the children in Gaza. That doesn't mean that the way they have to live is OK.

Teateaandmoretea · 27/10/2024 07:44

Wantitalltogoaway · 27/10/2024 07:09

It depends on your perspective.

In global terms, when half the population of the world lives on less than $6 a day, the fact that we have houses, heating, food, a flushing toilet, education, healthcare, entertainment, communication devices and leisure time makes us very rich.

I know it’s no fun, but poverty it is not.

Not being able to afford to eat properly is absolute poverty let alone relative poverty.

Yes there are other people in absolute poverty elsewhere in the world too. But it doesn’t change fact.

Happilyobtuse · 27/10/2024 07:42

IVFmumoftwo · 27/10/2024 07:08

Try getting a house in Australia. If you think the rental market is bad here.

There are a lot of Doctors going to Australia, I know a few personally. They get paid a lot more there so no reason to sit here and get hammered by the NHS.

Autumnweddingguest · 27/10/2024 07:39

OP you have my utmost sympathy and respect. I remember repairing my own teeth with superglue more than once because I couldn't afford the dentist, having long hair and pretending it was a choice because I couldn't afford a haircut, pretending I wasn't interested in fashion, because what was the point?

I don't regret that (long) period of my life. It gave me a huge appreciation of the wealth of free things in the world - superb exhibitions at galleries and museums, free concerts, even marketing handouts of samples. I also learned to appreciate the riches of nature. You don't need much money to have the best weekend ever. A muddy walk in the woods, looking for different types of mushrooms and moss, or collecting wild garlic or brambles for cooking, watching the seasons change and the sunlight rise and fall in the sky - there's little better. Coming home to the infamous MN roast chicken (that I can still genuinely get three different meals for four adults from Grin).

Life is far better now. I definitely agree that a poverty mindset doesn't help. It isn't woo manifesting to have an attitude to life that leans towards believing you are capable of making enough money to be comfortable. I started occasionally spending what I 'couldn't afford' on things I really wanted and discovered I wasn't poorer as a result.

Stop wasting time on stupid surveys. I never understood that £10 a day thread on MN. Your time is precious and valuable. Don't waste it scrabbling for pennies. Work out what you are seriously good at. The best way to do this is to think of things that others keep praising you for, that you take for granted. Then use that skill to earn above NMW per hour as a sideline. I had three related skills I just took for granted. I turned them into tutoring children, teaching adults and doing some work for local businesses. Within a couple of years this was my new profession and I was earning more than double NMW most of the time and up to four times NMW some of the time, depending on projects.

My advice is: go and buy something small, relatively inexpensive but utterly luxurious that you really want. Do this once a week for the next month. Do the same with recipes. Once a week buy what you actually want to eat, not what you should. You can live on beans the rest of the time. You can be clever about it if you want and go for yellow sticker fresh tuna steaks that need to be eaten that day, for example. But once a week pick up something because you want to eat it or to use/have it. And once a month have a family treat that does seem a bit frivolous. It will stop life from feeling so gruelling.

takealettermsjones · 27/10/2024 07:32

Wantitalltogoaway · 27/10/2024 07:30

I think a lot of it is about what we are comparing it to. For example, my grandparents lived very simply and definitely rationed food and heating, had second hand clothes, no car, no holidays, but they certainly wouldn’t have described themselves as poor.

These days we are bombarded with higher expectations, so our perspective is different.

I’m not negating the experience of anyone who is struggling, and believe me I’ve been there more than once, but one thing that helped me hugely was changing my mindset about it.

There's someone on this thread who deliberately eats slowly so she can pretend she's full and the kids can have hers. That's living in poverty, and you are being unhelpful.

Wantitalltogoaway · 27/10/2024 07:30

Westfacing · 27/10/2024 07:16

Global terms and historical UK terms are not relevant - people are talking about their life, here and now, in the UK.

You ARE poor if you have to think every single day how you're going to eek out your income to feed and house your children, and you ARE poor if you can't afford to have much fun in life because you simply don't have the money.

I'm not poor but grew up in an impoverished household - it was bleak.

I think a lot of it is about what we are comparing it to. For example, my grandparents lived very simply and definitely rationed food and heating, had second hand clothes, no car, no holidays, but they certainly wouldn’t have described themselves as poor.

These days we are bombarded with higher expectations, so our perspective is different.

I’m not negating the experience of anyone who is struggling, and believe me I’ve been there more than once, but one thing that helped me hugely was changing my mindset about it.

thepariscrimefiles · 27/10/2024 07:29

Sd352 · 26/10/2024 23:01

I voted you are being unreasonable because dal is delicious, you just may not know how to prepare it well. Couldn’t take the rest of your post seriously after that.

If you read OP's later posts, you would know that she says that she has worked in catering and knows how to make dahl.

Your contribution to this thread is so supremely unhelpful, I can't even imagine what sort of person would think this and then actually write it down and post it.

user1471538283 · 27/10/2024 07:27

I think that once you've experienced poverty you are terrified of it happening again. I've been careful with money all my life and it's upsetting to see the cost of living go through the roof. You get sick of making do and not having. Of constantly thinking about money.

I've got an ex friend who has spent thousands on nothing and has debt for big holidays but is in a better position than I am. It makes me feel resentful.

Pippa246 · 27/10/2024 07:24

coxesorangepippin · 26/10/2024 22:43

Can you emigrate?

🤣🤣🤣

aphroditeflighty · 27/10/2024 07:23

KnopkaPixie · 26/10/2024 20:54

To kind of add insult to injury, I've just made myself a distressful upsetment by watching some silly patronising cow on Youtube, ''Living a thifty and frugal life here as early retirees in our four bedroom farmhouse here in rural Brittany, France."

She talks to you very slowly and carefully about how to use parmesan to enrich your white sauce for a nourishing gluten free pasta bake in between making patchwork quilts and beating off seasonally affective depression by...

Ooh blimey.

@KnopkaPixie Is that 'Frugal Queen in France'? I saw a few of their videos when their channel first started. I guess the information is more useful to those who live in France, as property/living costs are different to the UK, but I take your point!

muddyford · 27/10/2024 07:22

Deportationsensation · 27/10/2024 03:18

Yep. I suffer with low iron at the best of times but right now I’m constantly tired exhausted by iron deficiency. I can’t afford red meat. I’m borderline vegetarian because I can’t afford meat in general. I get one sainsburys extra small chicken a week, which costs about £2.50 and that’s literally the only meat I have. I can’t even afford the extra £3 to get iron supplements because my food budget is £15 a week. It’s exhausting.

I've been there and ate lots of liver, which is very much cheaper than meat. Make chicken livers into pasta sauce if you can't face it with onions and gravy.

Nannyfannybanny · 27/10/2024 07:21

I have been made homeless several times through no fault of my own. Lived in a caravan,a metal box with ice on the inside of the windows, paraffin heater. My first H tried to kill me...he had his own cleaning business,big airlines,lost the contract never told me, just insured me for a large sum,etc. my boss came round the following day, said he would have to let me go, I couldn't be working in their fine upstanding family firm when this got into the papers,oh dear me no! I had a months wages,car went, phone went (landline only then) I bought my oldest DD a bike so he could get to school,a trolley on wheels to walk to town to Iceland. Benefits office,they were behind a glass screen,you queued, everyone behind you can hear your private business. H had stopped paying the mortgage,job centre had a go at me for having a dog she was 12 part of the family and not going! Two boys one 5,free school meals,I was actually on the breadline. I had a slice of white toast 3 times a day! House was repossessed, spent a year in emergency accommodation. Originally, they were going to put us in b and b, 20 miles away, which meant the boys leaving their schools everything,you had to leave the b and b at 9am in those days,walk the streets. At the 11th hour, I was given a house booked for demolition. I started at the bottom.. I've had 4 jobs at a time, gone from a night shift to a day shift just to keep a roof over our heads! And yes, I love any veggie dhal!

Swipe left for the next trending thread