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Cost of living

Stretching your budget? Share tips and advice to discuss budgeting and energy saving here. For the latest deals and discounts, sign up for Mumsnet Moneysaver emails.

The Friendly Frugaleers, halfway through June!

999 replies

Cagliostro · 18/06/2018 15:56

All welcome!

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SnugglySnerd · 04/07/2018 08:46

We live off one wage and use the other to pay nursery! As we can (just about) survive on wage we will be able to do that when the dcs all start school.

Cagliostro · 04/07/2018 09:13

You will feel like millionaires once the twins start school snuggly!

Ugh I still feel sick this morning.

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SnugglySnerd · 04/07/2018 09:24

We will won't we?!

Did everyone see MN now have a discount section. There's a thread about it in Active.

mammynowanauntyIRL · 04/07/2018 09:38

My dsd stated one time that couples should be able to manage all their bills and living expenses incl mortgage on one wage, that anything else is ridiculous, easy for her to make that statement having lived for ten years rent free! Angry

It's ideal if you can though, and makes for an easier life for sure. I'll have one wage paying everything before long Grin

Cagliostro · 04/07/2018 10:14

Ah, the innocence of people who don’t know what housing costs can be like 😂 like my friend who moved from her parents (and her DP from his parents) into a relative’s house and was saying how hard it was having to pay bills... they still didn’t have to pay rent though 🤪

Haven’t managed to do anything useful today. Unfortunately DH just went into the overdraft by £4 - annoyingly I asked if I should transfer a bit over but we misjudged the days everything was due. Have transferred now though, I wonder if he will still be charged if he was only overdrawn for a few hours? First time in a year. So much to pay for ATM.

I’ve withdrawn the last of my paypal buffer, I will have a few things to pay for out of it but that will only come back out of my account anyway. We have plenty of cash as we saved our sports club/teaching cash in a tin we just opened so will use that up to leave the cards alone.

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WreckTangled · 04/07/2018 10:38

Cag shouldn't be charged if it's just a few hours. Needs to be a whole day iirc.

mammynowanauntyIRL · 04/07/2018 15:08

If they do charge cag complain and state how good you've been at not using it and how little time they loaned you the money for

I spent €45 on two festival tickets, I will get half back on Sat when my hairdresser discounts it off my hair, she's going with me.

Fluffycloudland77 · 04/07/2018 15:20

cag Def challenge it with ceo. You can ask them to refuse a sale rather than let you go overdrawn. Several of my accounts have that.

Em you would be my absolute hero if you did.

Wilkinsons have reduced some of their towels in store. I got 16 face cloths in a pale cream for £2 this morning. The smartprice ones are mega cheap, they'd make good swimming towels. Kids lose things but for 87p you wouldn't be too devastated.

£6.50 skin care in boots. Free voucher for a sight test worth £25.

Money in; media cell app gave me £10 this morning.

mammynowanauntyIRL · 04/07/2018 15:42

Pity I'm not in UK! All my towels are like sandpaper, but I'm line drying to save electricity and never use fabric conditioner, plus don't want to buy new now, because I'll probably buy new for my own house whenever that comes about.

Girliefriendlikesflowers · 04/07/2018 16:48

I often think how rich couples must be 😂 if you're both working full time you have the benefit of all the bills being half price and double the money coming in. I'm not sure (some) couples really get how much more expensive it is to be single.

Oh well there is some satisfaction in knowing everything I own has been bought and paid for by my hard graft.

It's rained here all day which is great for my garden and has filled my water butt up 😊 I'm easily pleased!

Nsd.

WreckTangled · 04/07/2018 16:53

Girlie we both work (me not full time though) and we still have no money Grin I do earn less than most though SadGrin

SunnyLikeThursday · 04/07/2018 17:02

We used to run this house as a shared house with four full time wages coming in, and now it is just my dh's wage and I do not work. It really made a big difference when the others moved out and I gave up work.

SunnyLikeThursday · 04/07/2018 17:02

I just fell asleep in my ds's climbing frame in the garden. How's that for pacing? Smile

Fluffycloudland77 · 04/07/2018 17:36

£13.80 3 roman blinds in john lewis. Boutique faux shot silk. I had a £30 voucher. 3% cashback if it tracks, kidstart is a bit patchy.

Cagliostro · 04/07/2018 17:42

I’ll definitely get him to complain then if they charge. It was literally a few hours, he checks the account every morning and transfer is instant I think between the same bank.

Glad you’ve had some rain girlie I am very excited we have a water butt at the new house.

DH and DD are coming back from the new house where the old washing machine was finally collected. Glad the HA were reasonable about rectifying their mistake.

We’ve been decluttering today, lots chucked and lots put aside for charity. Pretty gentle going though as I’m feeling rather unwell.

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ChristmasSeacow · 04/07/2018 18:11

I am trying to picture any kind of climbing frame that one can fall asleep on

Girlie we have only one salary coming in at the mo but at least only one set of bills! I used to live alone when I bought my first flat in a London so i certainly appreciate the single person costs but that was just one person, no children or childcare costs. And it was definitely a big saving when I moved in with DH. I’ve no idea how single parents (without other income like child support) can possibly afford to work and pay for childcare.

Welcome to the work-family juggle Lonely! It’s an adjustment but at least you are enjoying work, that counts for a lot. I liked work itself but did find the compression of family life and chores around it the most stressful part. That and commuting. We were out of the house from 7.30am to 7pm. Hideous really, not sure we can manage those hours again with two kids to juggle.

Cag you’ve made me want to go to ikea Grin. I’d have gone today if dd hasn’t been so grizzly. She had 4 jabs yesterday and is still not impressed.

I’ve been spending a bit today online. I’ve figured out a big list of things we need for our trip and I am working down it. At the weekend I gave DS’s old Maclaren buggy a good scrub and it came up really well so that will do DD nicely. It just needed a new mesh basket as the old one had lost a fastening so I found one on eBay for £10. I’ve bought more suncreams /antihistamines and some first aid stuff, and some useful travel bits (seat protector for the car on DD’s side, a caddy thing to hang on the buggy handles, and a massive family sized picnic blanket - that was a bit of a treat!). And I’ve ordered loads of cotton trousers online, most of which will go back but I’ll be pleased if a couple fit. I hate buying trousers but I’m too hot in jeans. Next thing: midge repellent for a baby that will work on Scottish midges Confused. And swimming stuff for me and DS. And a car roof box. And more gigantic bras for me 💸💸💸

It’s a bit cooler today, maybe 25C instead of 30C. I’m dreading the imminent hosepipe ban because I’m trying to keep the new plants alive and they need a good daily sprinkle, as do my few pots. The established ones will survive a bit of drought but the young ones won’t. And I’m still trying to rescue my magnolia tree with liquid feed. I am delighted to report there are new shoots coming off the lower branches which were entirely absent this year, until I started treating it. I dare to hope!

It’s taken me ages to write this with DD whinging and wanting me to read to her. Bloody bear hunt. I’ve probably missed lots of posts.

lifelongfrugaleer · 04/07/2018 18:18

Nsd today.
I'm not going to be posting much but still reading.
Fallen off rh too Mammy

Unescorted · 04/07/2018 18:33

mammy put a teaspoon of sugar soap crystals in the wash. It will soften them up.

Dh will find out on Monday or Tuesday. My fingers are crossed.

I hate trying to fit everything in. I could do with 8 day weeks. Fortunately work are good at Flexi and encourage working from home. They have also threatened to turn IT off after 7 and at weekends to force us to get a better work life balance. Have I mentioned we are recruiting.

Wolfcub · 04/07/2018 18:50

Girlie I know what you mean. Given I am just managing to pay for everything (albeit with a maintenance payment) I am wondering what the hell we were doing. I’m know I have managed to reduce joint debts over the last 8 years and saved us from
Bankruptcy but it does feel like we could have done more now. One issue was we never had joint finances. We had a joint account and shared all bills but the rest was our own. I reckon I could have put us in a better financial position if I had been in charge of all income and perhaps I wouldn’t be left with as much joint debt to repay now.
Hindsight is a wonderful thing.

Fluffy those blinds sound a bargain. I am shopping around for paint. If anyone has seen a dulux bargain anywhere let me know. I’ve alteady worked out the wickes offer isn’t up to much!

Cag I don’t think you will be charged. I accidentally did the same today, bloody contactless so I didn’t notice. Will sort out shortly.
Fingers crossed for dh Unescorted

SunnyLikeThursday · 04/07/2018 18:54

LOL! Christmas It's one of these:

www.tptoys.com/climbing-frames/wooden-climbing-frames/view-all-3/tp-castlewood-wooden-climbing-frame-fsc-sup-reg-sup.htm

I was sitting on the platform so it was nice and shady on my head, but sun on my legs for getting the vitamin D.

CremeEggThief · 04/07/2018 19:11

Fair play to you, Sunny. Sounds like a great place for a nap!Grin

Spends today:
£6.60 day ticket for bus travel.
£5 coffee and cake.
£15.99 H&M on my credit card (dress and shirt).
50p bottle of water.

ChristmasSeacow · 04/07/2018 19:13

Ooh that’s nice! I had visions of you draped over some monkey bars 😂

SnugglySnerd · 04/07/2018 19:14

Thanks for the Wilkos tip off Fluffy. I want to buy some face cloths to cut down our excessive use of baby wipes.

Unescorted · 04/07/2018 19:22

Christmas I did too!.
Wolf hindsight is a drag. It is as bad as envy. The decision can't be reversed so no point dwelling on it beyond noting so it can be learnt from good or bad.

Lonely how many plants have you got to harvest a kilo? My family who thought I was poisoning them when I offered (didn't make them eat just offered) vegetables have now decided they have to eat my fresh picked produce.... I am not happy. I didn't get any blackcurrants either.

Girliefriendlikesflowers · 04/07/2018 20:36

I think I've managed thanks to tax credits and being lucky to have a council flat for 7 years plus being an excellent frugaller obviously 😉 things have been much tighter since getting the house. I've never had any money from dds useless father 😬

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