The Friendly Frugaleers- Autumn is on its way !

[QuiteCleanBanditlovesdresses]

Hi Frugaleers
Sorry lame thread title

Lonely You've played a blinder there, I don't know anyone on the money boards who's been approved for a consolidation loan so a mortgage is even better.

Scandi Don't worry. Her attitude will bite her on the arse when she asks her ds to tidy and he tells her to fuck off.

£1.50 organic oat milk

Fluffy

Thank you all. For a moment I really thought Ive done some kind of massive mistake and been unreasonable.

fluffy thanks

Bloody hell. If you posted that on AIBU you'd get a unanimous Hell No! She is batshit. Bad enough to criticise generally but when you were doing her a big favour at short notice? I'd try to give the benefit of the doubt that she was stressed and wasn't thinking clearly, but I would certainly think differently of her after this.

Picked up DS present today, it's a chemistry board game! He will flip!

I felt a bit blah this afternoon after friends left, could've absolutely murdered a takeaway but I went through the fridge, there were a couple of bits past usable but otherwise much better and I fed us from what was left. Various selections between us of fries, fried egg, ham, manchego, tomato chutney, courgette, carrot and the last two turkey dinos!

Scandi that's an appalling attitude your friend has. If she is in fact still a friend!

I am so so tired today. I actually ache with it. DH making dinner then I think I'll go to bed.

What !!! Scandi
My jaw just hit the floor.
Well the ungrateful moo can look after her own DC next time .
Assaulted him
Do you think there might be an element of guilt about the other DC injury ?
People often lash out and blame others when they feel guilty themselves .
Personally I think trampolines should be banned,they are bloody dangerous and annoying

Scandi cheeky cow! You were doing her a favour (and also, incidentally, a favour to any future partner of her DS - he’s not going to be much of a catch if she carries on like that, is he?!)

Lonely that’s such brilliant news. I am really genuinely delighted that you feel there’s a light at the end of the tunnel. I really admire you for tackling it and finding an answer. It will be such a weight lifted.

Snuggly you deserve that early night!

Interesting the talk about kids moving on after uni. I absolutely loved going home in the holidays, but definitely didn’t regard it as ‘living at home’. It felt more like coming back from travels, sharing my adventures, having a bit of tlc, enjoying hanging out with my sisters... but it would have felt totally different moving back there at the end of my degree with no plan to move out. I’d have absolutely hated that, much as I love my family! One of my sisters had to do it and it made her really miserable until my parents sold the house out from under her and downsized so she had to move on

I’ll definitely want a home my children can return to for visits, long or short, but wouldn’t be having my DC living at home indefinitely in normal circumstances (however, at the mo we don’t know whether DS will be able to live independently so that will depend!).

We are near Durham now, meeting friends in town there tomorrow. Exciting! I was very unfrugal today, I went to Sainsbury’s, the nearest pharmacy, for something for DS’s lips (he’s been licking them and they are really sore) and came out with s pair of jeans for me and two outfits for dd in bigger sizes. I do not regret the jeans, I have been cursing myself for coming away with just one pair. don’t regret DD’s Gruffalo dress either

Scandi bloody hell! What a [insert word of choice]. What you did is perfectly normal, or at least is in this house.

DD2 is awake and crying already . DH has gone up to her. It could be (another) long night.

Dd wanted a new duvet cover when we were out shopping, she has loads & you can only use one at a time, told her if we sell the other ones I'll top up her money to buy the one she wanted.

NSD today, didn't get dressed
Made carbonara with some mini pepperoni & 75g bacon lardons & 2 egg yolks, felt very frugal

Quite I'm just glad it's another thing I won't have to think about for a long time

Well done on maintaining weight loss while holidaying north
*
Lonely* that sounds brilliant
It was scary when I added up all my debt for the mediation budget during the week, and except for mortgage it's all in my name

Scandi your friend is an ungrateful b*tch, and a bit entitled expecting you to mind one child while she took other one out too.

Snuggly sorry to hear you're so tired, hopefully dd2 settles quickly

Bold Fail

Mammy I rather like the btch insult and Scandi that is crazy! I bet the little boy actually quite enjoyed doing things your way (sounds like a lovely afternoon btw) but his parents have very set ideas about home life.

Struggling with typical wet weather here - how to keep everyone on budget when the easy answer is to do 'stuff'. Stuff that then needs 'lunch as we're out'. And as we're in a group someone inevitably wants to buy 'extra things at the stuff'.

Spends today
£32 nails
£54 DSis Christmas gift; I don't usually buy Christmas gifts so early as I like doing it as part of the build up to Christmas but I know she will love it.
£112 supermarket
£10 deli.

Hope the night goes better than you expect @SnugglySnerd. What age is DD?

Scandi that's outrageous, what a cow! You're not being unreasonable at all.
Snuggly look after yourself. Hope you manage to get a decent sleep.
lonely that is brilliant news, you must feel so relieved.
My only spending since this morning was £2 on 2 diet cokes & a pack of bacon fries at the cricket.

Debated bringing dc to a local festival parade & waiting for fireworks display, never mentioned it to them, evening got damp, wild & windy, we're all much happier snug in our beds now

Managed to clear out the kitchen drawers. Now have only one junk drawer instead of two, actually managed to put pots into one of them for the first time ever.

An example of how I waste money is that this week I bought 2 packs of pencils for my DSs starting back school, then tonight whilst tidying I found at least 80 new pencils in those two drawers. Pencils are obviously cheap as chips so it’s no big deal but I do this with more expensive things too 😫

Scandi did you have any idea that your friend had such bizarre rules for her son? I feel sorry for her DD, bet she is expected to do all the clearing up.

Thanks everyone. We had a slightly better night. DD2 was up twice but only woke up ds once and he settled quickly so that was an improvement on the previous night! They are 18 months That's.

I'm just making pancakes for breakfast and noticed we have a lot of bread. Lunch might be toast-related.

Pleased the night was ok. Can you freeze the bread? Snuggly

Fairly frugal day yesterday compared to the first 2. Going to the old town market today on the bus.

Snuggly toasties for lunch!

Not sure what we're doing today. Dh is working and we're out of washing powder...

Morning. Ds up at 630. So we’ve had breakfast and played and he’s now tired. So he’s down for a nap.

Dh got up about 10 minutes ago.

He’s decided we’re going to do all the address changes today. ive Done all the ones I could do online. Others we’ll have to make calls.

Dh is going to make a list. I’ve already made a list. But Dh wants one central list.

I haven't got much in my tcb account but just changed it to amazon vouchers so I can use it for Christmas presents

Morning everyone ☺

Last day of my annual leave today 😢 feeling sad about that! It's also the end of week 4 of the holidays.

scandi that's a very weird and ungrateful thing for your 'friend' to say, has she got form for being odd? I wonder if her son massively exaggerated what you asked him to do? I'm of the opinion if someone looks after your child as a favour the only response is thank you! !

Not sure what we will do today, might see if my nephew is about and wants to go swimming with dd or maybe go to the (free) museum.

Had a productive day Ystd I baked a cake, a loaf of bread and made a vat of bolegnaise which I will portion up and freeze. I quite enjoyed making the bread, it's so easy and tastes amazing.

Was a Nsd 😇

Today’s plans are:

• go for a walk around the lanes near dparents house with ds.
• “boil” eggs in the oven for lunches next week
• roast chickpeas
• cook chicken for salads.
• list a few things on eBay
• prepare for meeting with bank tomorrow.

We need to take basically everything with us. Passports utility bills bank statements credit card statements payslips etc etc. Will get all this ready today.

Had a look at premier mortgages. 1.84% on a 5 year fix. Instead of 1.89% for “standard” mortgage. So worth getting. We pay the same booking fee. So if we can do it with dparents referral it’s better for us.

Dh is off to a yoga class. He’s at fitness first gym which has a once a month pass for him to go to the fancy health spa. So he’s going today for yoga. Jealous much?!?! I could go but it’d cost £30 for the class. For me as a non member. (Access fees, class fee etc. If it was just the class fees I’d go too. But nah).

Am also going to look at a new credit card. One which gives us more benefits. Not applying until we have the new mortgage though.

Have also been pinteresting colour schemes for new house. And mortgage paying off tips.

Apparently the best way to pay off a mortgage in 4 years (!) is to cut down on everything. No fun. Bland food. No fun. Just scrimp. And pay off. Yeah but nah. We can only pay off a max of 20% overpayment each month/year so need to work out what works best for us. What makes the biggest dent. I think with the old mortgage we saved the money and paid it off in a chunk. So it meant less interest.

Colour scheme wise I’m thjnking a dark blue wall in our room. Just one. White/grey bedding with blush pink cushions or grey and mustard.

And french toast with fruit for pudding snuggly :o

How easy is it to set up a bank account from scratch and can you still get cashback offers when you aren't switching?

Having been told I could downgrade my account online, I got an email saying I need the ID again. So annoyed at the inconsistent advice. So I am now considering setting up a new one (I have plenty of ID in my married name) and then closing the other one