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Friendly Frugaleers chat their way into February...

999 replies

Ipsos · 26/01/2016 12:51

Just setting up the new thread for the chatty Frugaleers.

By popular request - copied from last year Grin

www.mumsnet.com/Talk/other_subjects/1324074-For-those-who-cant-afford-to-use-central-heating-this-year-How-are-you-going-to-cope

www.mumsnet.com/Talk/credit_crunch/1543785-your-top-tips-for-money-saving-and-a-more-frugal-life

www.mumsnet.com/Talk/credit_crunch/1600030-Small-money-saving-habits-petty-even

www.mumsnet.com/Talk/credit_crunch/1628874-Gas-Elec-Bills-monthly-and-SKY-so-angry

www.mumsnet.com/Talk/mumsnet_classics/1911061-NO-MORE-COLD-MUMSNETTERS

www.mumsnet.com/Talk/_chat/2209167-Slow-Cookers-are-shit

www.mumsnet.com/Talk/_chat/2224969-saving-money

www.mumsnet.com/Talk/legal_money_matters/2258202-Debt-mutual-support-thread-number-6-start-the-new-year-with-a-clear-purpose-and-keep-moving-forwards-even-by-tiny-steps?

orchard.tesco.com/ Sign up to this.

www.topcashback.co.uk/home And this.

www.quidco.com/home/ And this

www.moneysavingexpert.com/ And this

www.moneysavingexpert.com/cheapenergyclub ditto.

www.checkoutsmart.com/ Plus this.

www.hotukdeals.com/all/deals/new?page=3 Check this daily.

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Thread gallery
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fuzzpig · 31/01/2016 10:59

Loving the idea of Frugaleer Flu. Maybe the internet has become so advanced it has taken on a life of its own and now transmits infection between MNers via the computer screen. :o

Spendy day today! About £90 Tesco delivery due later, lots of treat foods to make me feel better, really should've avoided all that crap... Blush

DH has taken the DCs out. He packed a lunch which is good, just hope it's not raining too much for them to enjoy it. Bus fare is limited as there's a wide-area family pass for £12.50. So just depends what else they do when there. Think there's a castle or something.

Yesterday:
£8.60 bus
72p throat sweet thingies
£11.94 McD lunch

Meal Plan - definitely a week to be enjoying all the stuff we've been missing while ovenless:
M - mini toad in the hole (made in a muffin tray, with pigs in blankets!)
T - pizza (from freezer not home made)
W - eggs for DD/quesadilla for DS/chorizo risotto for us
T - spag bol - will make in slow cooker and freeze the rest
F - jambalaya using chicken frozen last week
S - pie (again not home made!) and mash
S - roast (duck was on offer)

Anyway I must stop messing about on MN and watching DVDs feeling sorry for myself (over the worst for sure, but it's lingering as usual) and get some work done. Delivery's due 12-1 so I'll aim to get an hour done and then I suppose I'd better get dressed :o

Have a great day everyone.

sportinguista · 31/01/2016 11:00

Did you try Quorn Ipsos? It might be an iron thing if you feel like passing out though...

We're pescetarian, ie. fish and veggie. I remember my mum making joints stretch to several meals including soup/stocks made from boiling the bones. I think she often got 3/4 meals out of each one. She did a lot of freezing big batches as well and a lot from cheaper options such as mince in gravy which she used to grate carrot into to get extra veg in.

We put a set amount into savings from DH's wage, mine I tend to save a portion in my PayPal account then put it all in at once as my wages are more complicated being freelance. The trick is to work out an amount however small that you can live with otherwise you'll end up dipping into it.

sportinguista · 31/01/2016 11:01

Fuzzpig you're making me sniffle at just the thought of the flu coming through the screen!

Wolfcub · 31/01/2016 11:08

ipsos we each have too much personal debt to put money into savings at present. The majority of each of our wages after paying household bills goes to debt and we are both using the snowball technique. Essentially what is left as fritter money for each of us is very little so I'm probably being a bit unfair to dh with my comment, I would have been better to say that he takes responsibility for his personal finances and I take care of mine and the joint finances. We did speak these about the need to build savings once the debt is clear as Dhaka with retire in 12-15 years and whilst he thinks that is a lot of time I know that it isn't and I also know we will need new central heating, a new roof and a new kitchen within that time

Mojito100 · 31/01/2016 11:19

Nsd today for me. Feeling very proud. Aiming for personal nsd every day this week. I have a coffee meeting tomorrow morning at work but will stick to water as I take a coffee from home. Aiming for incredibly low spend this week with just basics of milk and bread. I have this ridiculous way of buying food. Where I live we have lots of space so I have an enormous chest freezer and it is full to the brim because as soon as I see a space on it I have an irrational need to fill it. Same goes for my huge pantry.

I don't need any staples except milk, bread for lunches, fruit and yoghurt. I'm aiming to get through all in the freezer as best I can. It's crazy the amount I spend on food.

Hopefully I can make it yo Friday with nsd each day.

Whataboutnodetox · 31/01/2016 11:20

Ipsos is that muscle foods price before or after a discount?

SpottyTeacakes · 31/01/2016 12:29

Well I accidentally spent £16 in the garden centre on a paw patrol busy book for ds and some frozen sing along book for dd. Top up shop was £22 which I thought was good as it included dw tabs salt and since aid etc

Pointlessfan · 31/01/2016 12:33

Spotty I'm a vegetarian so no bacon sarnies but I did make chocolate banana pancakes which were delish and there were enough left to freeze.
Just doing meal plan, we have quite a lot in so working around that but I would like to do something nice for Chinese New Year next week. Will be at work all day so thinking either something very quick or something I can leave in the slow cooker, possibly delicious aubergines.

Ipsos · 31/01/2016 12:48

Well done wolf. Sounds like you're doing all the right stuff.

Thanks for the thoughts on food. I'm doing some thinking here.

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SpottyTeacakes · 31/01/2016 12:54

I'm making chicken stock for the first time you lot inspire me Grin

Ememem84 · 31/01/2016 12:57

Two loads of washing have been done. Washing up done and have sorted my eBay things. Now just need to send email to Amazon and carry on walking about indoors to hit my 5k target...

fuzzpig · 31/01/2016 13:04

We are only saving the penny challenge stuff at the moment. We have a few grand in an ISA so we do have some, we just can't add to it properly. We have a bit of credit card/overdraft debt so will be clearing that hopefully this year and then we can save again. It's been wobbly the last few months due to being off sick, having childcare to pay for etc.

For personal spends, DH and I have our 'pocket money' which is £20 a month each, usually stuff like books/DVDs. We've been doing this nearly 4 years now and it works brilliantly - means we can treat ourselves while knowing that it's accounted for, save up with it etc. We don't have any budget for things like clothes, as neither of us are into it really (and I don't like makeup) so it's not necessary to control it IYSWIM. I've not bothered joining in the 'no clothes purchases all year' thing, but I'll be interested while looking back over the spreadsheet at the end of this year (hope I can keep it going that long!) to see how much we actually do spend on clothes - none this month other than DH buying a pair of gloves - DH and I really don't need anything, although may need to rethink if DH gets a new job. DCs both got a big pile at Christmas and I'm hoping not to top them up until summer assuming they don't have any growth spurts.

I'm hungry. Lunch time. :)

Ipsos · 31/01/2016 13:13

That's interesting to know Fuzz. We don't have pocketmoney at all. I keep wondering if it would be a good idea, but I suspect that we enjoy our little extra spending in our once a week lunch out already.

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Pointlessfan · 31/01/2016 13:22

We've started to do pocket money too, it works really well.
Have just done budget for Feb, it makes such a difference having no council tax. It's DH's birthday in Feb so we can actually enjoy a meal out or something using the council tax money (not all of it obviously!) and not worry about it.

Ememem84 · 31/01/2016 13:32

We set aside £200 each a month for personal spends. The rest goes into savings. For me that covers my riding lessons, getting my nails done and then I have spare in case I want/need anything.

We spent £300 on food this month. Which was a bit of a shocker. But freezer is fairly full and we have been meal planning.

Just sent the postage receipts to Amazon for my refund. £12.80 to send two unwanted items back because they couldn't wouldn't send me a returns label.

i did all my jobs and managed to walk 2km around the house. Only another 885km to go and I've reached the target of 1000km this year.

SpottyTeacakes · 31/01/2016 14:12

Ffs. The wire of my bra has come out in the washing machine. Can't see it and it's makin a horrendous noise.

CremeEggThief · 31/01/2016 14:27

I have £745 a month for everything after my rent contribution, but I still manage £20-30 a week "pocket money" for DS and me. I aim to save £35 for clothes and shoes, £30 for hair and waxing/nails and £35 for birthday and Christmas gifts every month too, as well as £55 paying off my credit card. When you're on such a low income, having treat money is so, so important. My shopping budget is £150-200 a month, including all cleaning, laundry and toiletries, ipsos! And that's mostly from Sainsburys. We are vegetarian though.

I had a lie-in until 11 and had a lovely breakfast of maple and pecan pastries (actually a substitution for my usual croissants) and proper coffee, and walked to the shop to put £20 on the gas card for the week, put clean laundry away and did a bit of recycling. Feeling awful today; pretty sure it's tonsillitis with a temperature. Just watching the highlights of the men's Aussie Open and then I'll have dinner, wash up and curl up on the sofa for the rest of the day, with hot lemon and honey and paracetamol.

Ipsos · 31/01/2016 14:34

That's very interesting Creme. We spend such a lot on food, but have no treat budget, not clothes budget, no socialising budget (or socialising really) and neither of us drinks, or travels. Dh walks to work and I walk everywhere too. I fill the car's tank approximately once a year. It seems like we are getting all our fun through our tasty tasty dinners. Smile Different!

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Ipsos · 31/01/2016 14:35

The other thing that I always notice is that we never buy snacks when out. No coffees, no buns, or cakes. So none of my budget is doing to Costa.

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SlightlyTired · 31/01/2016 14:37

Well, I've done the aldi shop for the week and DH has just saved us £70 a month by switching energy suppliers. So that's good. I do find Aldi a uniquely stressful experience though. I particularly dislike the game of catch-the-food-as-fast-as-you-can that they play at the checkout. Particularly when they play it with my avocados... I am very grateful that Aldi allows me to reduce my food bills by so much - but my branch is not a pleasant place to be. Anyway, all over till next weekend.
Hope everyone is enjoying their Sundays. BrewBiscuit

Ipsos · 31/01/2016 14:42

All this discussion reminds me of the funny grocer's shop up the road from us. It's in an area with a very international community and the shop has a sign in the window that says "Whole sheep £10, Box of baby chickens £5". I'm beginning to understand why.

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SpottyTeacakes · 31/01/2016 14:47

I envy yo being able to walk everywhere ipsos it is simply impossible where we live, there's only a bus once a week too.

I really want separate budgets like that creme hopefully one day.

I've just made a carrot cake and I suppose I'll sort my stock soon, it's been going 2.5 hours.

fuzzpig · 31/01/2016 14:48

Oh no Spotty! Damn underwires. Back when DS was a baby DH had to open up the back of the washing machine because it wasn't working. The culprit was a washable breast pad that had some got caught up :o

Em well done on reaching that massive amount of walking! Especially good since you've been struck down with the FruFlu :o Star

Creme maple pecan pastries are DIVINE. Envy My dad used to get them every Saturday morning when he took my nan shopping. I might have to get some next week. We always heat them in the oven.

If you have Corsodyl (the proper stuff not the 'everyday' one) dilute it a bit and gargle with it. Really helps with sore throats - and actually I use it as prevention now; I gargle it for a few nights every time I get a scratchy or sore throat, and since I started doing that a couple of years ago I've gone from having tonsillitis two or three times a year, to not having it at all. Shock

And I agree about treat money being important if you have a low disposable income, that's why we did it really. Before that, we'd always feel guilty for getting a DVD set or whatever, but now having this small amount is just right for us. I'm thinking we might need to set up some kind of similar thing for home ed supplies as well though TBH, it's sooo easy to succumb to all the lovely books, craft supplies and games in the name of learning :o I reckon we could then use that budget as part of their learning too - calculating money and making their own choices about what supplies would be good value, etc.

Well, DH and DCs are waiting for a bus back. DH informs me he has kept all receipts :o he's learning! :o Apparently they did get a few bits in a charity shop - somebody donated massive boxes of Lego while they were there, and the shop person must've seen the DCs and DH drooling over it because she handed them a big bag, and said they could fill the bag with whatever they wanted from the boxes and have it for a fiver Shock can't blame DH for spending that, especially as loads of it was train track (the DCs were given the Lego train set by a very generous friend at Christmas).

Right, I've spent far too much time dossing about (and watching Revenge!) so I'm going to stick the next wash on and try and get another hour's work done.

CremeEggThief · 31/01/2016 14:51

Whereas I have Costa or equivalent at least once a fortnight, sometimes twice a week and a bottle of wine every other weekend (not at the moment, as I do Dry January between Boxing Day and 11th February, my birthday!), Ipsos. We walk everywhere we can, but spend at least £31.30 a week on public transport, to get to work and school. No car. I think a lot of the difference is because I live in the North East and you live in a more expensive area, don't you? Part of my reason for staying here when my marriage broke up was because I knew a little money goes a lot further up here than in the South.

CremeEggThief · 31/01/2016 14:59

Thanks for Corsodyl tip, Fuzz. My dentist actually put 3 bottles on prescription for me (as I don't have to pay), but the pharmacy was shut by the time my appointment was over, so I will try to get it tomorrow or Tuesday. Why don't you work out how much you used to spend on school expenses (travel, lunches, trips, uniform, etc.) and use that money, or some of it, as your Home Ed. budget? Approximate workings would do.

Counting down until I can take more paracetamol now. My forehead is hot, but I'm shivering. Ugh!