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An Avalanche of Austerity for April - Mumsnet frugaleers continue!

999 replies

MissAnnersleyismyhero · 31/03/2014 14:58

Thought I'd start a new thread for April Smile

OP posts:
Gogogodaddy · 20/04/2014 11:02

Welcome lizard! Brian dumps are good. I also realised I was frittering money away but it is quote easy to remedy.
Hope everyone is having nice easter. Unfortunately DS has a bug and has been sick all over a dining chair which is now ruined. Was hoping for a NSD but am now trying to see if i can buy a replacement seat pad for the chair but not got hopes up as it was a set. If Homebase can't offer a one off i will have to buy a similar looking chair from Ikea. Fed up as it was only a few months old. Cutting down massively on calories makes me want to spend more money!

lizardqueenie · 20/04/2014 11:02

We're off to the austere aunt this afternoon for a lovely Easter lunch but does anyone have any good ideas of what we can do with all of the Easter eggs? Dd is only 3 and I am trying to loose weight bit we have been given loads!

Gogogodaddy · 20/04/2014 11:04

I mean brain dump, not Brian dump! I know it is not necessarily something your DH would do but I have to agree about making everything shared. All our money goes in one account and I sort all bills. Then I can budget easily. It is much simpler in the long run

FantaSea · 20/04/2014 11:07

lizard welcome Smile

One of the things that has made the biggest difference to me was getting control of my food shopping - not too long ago I was spending £200 a week, and we didn't eat that well even then! I was doing lots of little top-up shops and spending loads. Now, I go once a week and once it's gone that is it - we eat something else. So now, if we have run out of say potatoes to go with what I am cooking, I will do rice or pasta with it. Doing this will save me going to buy a bag of potatoes and then buying a load of other bits while I am there. Also, use your freezer wisely - I freeze bread and milk to save me going to the supermarket and spending loads. Also, freeze leftovers - it is surprising how many extra meals can be created this way. I also limit the amount of fresh vegetables I buy now as I was wasting a lot - so I buy for the next day or two, and then have frozen veg for the other days.

Hope that helps.

lizardqueenie · 20/04/2014 11:10

Gogo- I have really tried Sad He won't budge. It's really shit & having confided in some of my closet friends about it they are really shocked. The £500 in the joint account has come only recently after a lot of getting cross and feeling quite hopeless on my part. When I budgeted for my return to work it also included receiving child benefit for Dd but we recently lost this due to DH's salary. When things were really bad between us I threatened to start claiming it again so it was added to his tax bill at the end of the year. I intend eventually to move everything outgoing wise to the joint account but because of how things are I need to sort the debt first though I appreciate of course the common sense thing would be to just considerate all income & outgoings DH doesn't agree. Anyway I am new to this thread & filling it all up with my problems so will pop off now & come back later- enjoy your Easter Sundays Thanks

Fluffycloudland77 · 20/04/2014 11:13

Ask your aunt for tips, I bet she'd be happy to help you.

eBay do take a proportion of postage. I charge more per item now and do free postage.

If you don't get as high a limit at least a portion of it is then interest free, then you are paying less interest overall. It's a long hard slog but ultimately worth it.

If your dd is 3 I'm guessing full time school is not far away so you will be saving on nursery fees soon enough.

www.mumsnet.com/Talk/credit_crunch/1628874-Gas-Elec-Bills-monthly-and-SKY-so-angry This is bakingnovices thread on bills.

SpottyTeacakes · 20/04/2014 11:16

Oh no gogo poor ds, and you Wink

Lizard send the eggs my way! Yes get a credit report. Sign up to topcashback back then do the credit report through them and cancel before the month free trial is up.

If fluffy doesn't mind my topcashback referral link is here

Gogogodaddy · 20/04/2014 11:23

I do understand lizard but what is really important to remember is that you 'enable' his career. He is able to succeed and work full time because you work part time and are the primary DC carer, is that right? Not to be all downer on tbis but what would happen if you split? DH's life would not change, he would still have everything and may even have some of his own money somewhere. What would you have?
In my situation I insisted on a joint account for this very reason. My full time salary is higher than DH but I am working part time to look after the DC. I enable his career by sorting out everything else. Sorry, this is not judgemental, i just read a lot of threads on here where the woman is left high and dry, career compromised, no money, struggling to cope and yet the xDH seems to have complete consistency. That smacks of self preservation rather than 'family money'.

Gogogodaddy · 20/04/2014 11:24

I know spotty ! There was so much puke it was like a waterfall! Sorry tmi!

Gogogodaddy · 20/04/2014 12:13

Think the thread got a bit serious! Sorry, let's move on, back to meal planning. lizard what are your meal ideas? May need to steal a few!

CremeEggThief · 20/04/2014 13:02

NSD here.

Happy Easter, everyone. X

Fluffycloudland77 · 20/04/2014 13:21

Happy Easter Creme.

MissMysticFalls · 20/04/2014 13:45

Welcome lizard. I'm always struck by how generous you all are on this thread spending time sharing your advice on how to get started. Lovely. Smile

Here's my tips:
Spend a good chunk of time reading Martin Lewis's articles on Money Saving Expert. It's an education and understand money and how financial services work gives you a bit more power! He makes a lot of the maths/logic clear and what to prioritise if you're in debt.

Use cash and pots. Spending with notes and coins is more real than cards and online. You can easily shift cash between pots and see how you're doing day-to-day. E.g. we have pots for groceries, parking, eating out/takeaway and outings (playgroup, activities, etc). Each month I put cash into each pot and when it's gone, it's gone, or I have to draw on another pot.

There's often threads where people discuss the management of joint finances so you can browse those if it helps. We split the childcare so DP enables me to work and I enable him, but I earn a lot more so we've had to come up with a system that means we contribute equally (in proportion to our income) and have some independence. I think when you have children, it's not "his money" or "my money", it's ours (including the children) with us two, hopefully, being the responsible guardians of the family finances.

Right. Off to buy nappies online (expensive guilt-reducing biodegradable ones...) and do some more work. While eating lots of chocolate! Happy Easter all.

Easter Grin
CremeEggThief · 20/04/2014 14:42

NSD here.

Happy Easter, everyone. X

silkknickers · 20/04/2014 15:00

nsd here - finally! I need to go back to work this week - being off has meant that my frugality has gone out of the window! I've been simply pottering in the house and garden and I am shocked at the amount of things that I have NEEDED (a new clematis, a vase to go next to the sofa etc).
Need to get back on the frugal wagon pronto!

BoffinMum · 20/04/2014 15:01

Some bargains have happened. I found nice US-style heavy American tumblers in our local Waitrose Home and Food, for £1 each which is excellent, if anyone needs new glasses.

Gibralta glassware

I also found some great white basic china in Argos that is the same as the stuff sold in John Lewis, for £6.49 for 4 (small) dinner plates, 4 tea plates and 4 bowls. You can get matching big dinner plates in John Lewis for £3 each (manufactured by Churchill, who may well have produced the Argos stuff as that looks identical). We also got 6 mugs for £3.50 to match.

Value range china

CremeEggThief · 20/04/2014 15:09

NSD here.

Happy Easter, everyone. X

CoolCadbury · 20/04/2014 15:46

Boffin Thanks for the heads up on the drinking glasses. We only have 1 left because I am so clumsy.

gogo your poor ds. Hope he feels better soon.

Well done silk on your nsd. Smile

queenie welcome to the thread. You've had lots of good advice here from everyone. And well done on regaining control of your finances - I know it does not feel like it but you are in control because you are doing something about it.

I would just like to add my two pennies worth. I echo what gogo and iamnot in terms of you and your DH having an equal financial lifestyle. In their relationships all money goes into 'family' money but in my relationship we have separate money. However, we both contribute equally to the finances. It's what we are both happy with and what works for us. That's the main thing, whatever system you decide, it has to work for both of you.

I also agree with missmystic. Look over moneysavingexpert on debt HERE. It is a lot to take in, but it is well worth it to plough through. Just check your overdraft interest rate. If it's higher than the credit cards, it makes sense to focus on the overdraft first. Or better still see if you can change your bank account to a free overdraft account or transfer it on to a 0% balance credit card. Again, moneysavingexpert has some sound advice HERE.

ItalianWiking84 · 20/04/2014 16:36

NSD all weekend :I PIL in charge of food, yum yum :) And happy easter to all...
When I read in here it seems that many people have seperate accounts in their household. Perhaps its due to my upbringing, but I find it weird. My DP and me have joint and we have had that since I think 6 months after we got together. It just seemed resonable, because we live together and should also share together. My parents have always had shared accounts, so has my PIL and I think in my friendship group most have that.
We each have a pocket money amount per month and can spend what we choise with that. my DP smokes :( but pays it out of his pocket money, it gives him less money for other thinks, but he (not me) thinks its only fair.
One of my friend has a envelope system with her partner and to be honest, I just find it such a hassle.

ItalianWiking84 · 20/04/2014 16:38

Oh we are going to the car dealer tomorrow to apply for a leasing car, have made all paper work ready with budget and all. Wish us luck :)

CoolCadbury · 20/04/2014 17:11

italian I think for me it's because I went through a very financial messy divorce where I lost out on a lot of money and I NEVER want to put myself in a situation again where I am financially vulnerable again. Smile

Fluffycloudland77 · 20/04/2014 17:46

We only use the joint for bills, we both put half of each bill in.

Dh and I have different ideas about spending though. I'm a bit tight really.

ItalianWiking84 · 20/04/2014 18:38

cool I understand, but if it was in a joint account, wouldnt half automatically be yours?

Fluffycloudland77 · 20/04/2014 18:45

If the other account holder clears you out you can't do much about it.

Dh had £15k savings with exp in her name, she took the lot and we can't even prove it existed because he never saw account numbers etc, she basically stole it but no one was interested.

MissMysticFalls · 20/04/2014 18:56

Plus if one of you is rubbish with money, ex-P, you both end up with your credit rating affected Grrrrrrrrrrr...

OK, so onto frugality, currently making veggie Thai green curry: quorn chicken pieces, pepper, courgette, coconut milk, green curry paste and noodles. So yummy and cheap if you're canny.

Bought tub of imported paste and block of pure creamed coconut from LIDL or low shelf of Asda - v cheap. Easy to make creamed coconut into coconut milk. The paste can be frozen in portions so it doesn't go off before you use it again.

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