Nearly November; Friendly Frugaleers Navigating (K)nitting, Nattering and Nuturing our Pennies

[WereWolfcub]

New thread. Happy end of October/Early November frugaleering. All welcome we are a friendly bunch

Can't you get the Tu home delivered?

I thought he should have gone instead of manon that week.

em is your dryer set to 'cupboard fold' or something? Mine is quite a clever dryer (with about 15 settings) but only MAX dries everything until it's you'know, dry.

I'm getting a lot of gap cookies, I like that scarf and glove set seacow I am trying not to make an order from them.

I have my dd2 who likes to be up first, she likes the quiet morning time. Ok. Time to peel ds off (he goes to the loo and gets in with us between 4 and 6 every morning) he's like a little sweaty radiator, always cuddles me not dp, which makes me very smug. I need to put the kettle on.

Happy Halloween everyone!
Sorry I've been awol again. Making the moSt of the frugal entertainment opportunities of autumn ie collecting leaves and making pictures with them and pumpkin carving. Innards currently roasting ready for pumpkin soup later.

Just contemplating giving DD pocket money as she wants to buy up half of Hobbycraft. She is almost 5. Just wondering what the going rate is. I thought maybe 50p a week. I want it to be enough that she can see the point of saving up for stuff without it seeming impossible.

My ds wasn't keen on halloween, as predicted last night. When I went to collect him the kids were rushing around screaming the dark covered in flour, and he was looking sad indoors with crayons.

I was pondering this later, when I turned round and found him utterly engrossed in a book, the title of which was "The librettos of Iolanthe by Gilbert and Sullivan".

I honestly don't know why I bought all those baby books when he was small. They clearly were not about my kid. I don't even know what a libretto is.

Morning all, we watched the final last night as well, dd wanted ruby to win and I liked kim-joy so we were both annoyed! Rahul did make us laugh though with his constant negativity!!

Off to a NT place today, will take food so only spends will be cups of tea and a Halloween trail £2.50.

Yesterday was a fail, in terms of being frugal and more generally. Spent £12 on lunch out with a work friend and £4.60 on bits and bobs mostly coffee because I'm so knackered. My friend drove me to childminder's and back because it was raining. But the wee one was very tired and unhappy last night so we went to bed early with no dinner (I regularly fall asleep at the same time, so sometimes I wonder why I'm still so tired - couldn't possibly be because I'm trying to do too much...!).

But today is a new day. Coffee flask and salad for lunch ready, need to feed the cat and then head out to work in a minute.

Happy Halloween everyone!

lonely yes!!!! I’ve put it on mixed load. So that seems to have done the trick.

I have bought some more shares from my ISA and it seemed to work fine. I have got this online account thing with a website called iWeb, and it costs a fiver to buy shares each time. I've just to buy trackers and then ignore them apparently.

Morning all. Happy Wednesday. Payday arrived a day early for some reason but it’s welcome! I have paid myself and paid myself for my pink tickets and made over payments on two ccs. The extra back pay for payrise was pathetic so need to check my pYslip when I’m in the office next week. Hoping to be able to do something nice with ds today before camhs so we may go somewhere.

Frugalish win on breakfast, ds is having a fit of pre-teen breakfast fussiness (which I sort of sympathise with as breakfast made me sick as a dog at that age) so I got some yellow sticker muffins the other day and filled them with ham, cheese and omelette (don’t tell ds about the omelette) and froze them. 20 mins in the oven and we’ve had McDonald’s style breakfast muffins which seem to have gone down well

That's a brilliant breakfast werewolf. I like your thinking. I often make bacon for breakfast at the moment and dinner sometimes and nobody seems to object.

That sounds tasty!

I’ve spent the morning dying DD’s hair. One half red the other purple. Caglets have just walked themselves to art club.

Tooth (or rather where it was) reeeally sore this morning. I think it is still within the normal healing type pain so not worried, just grumpy

autumn that’s what we’re doing. Buying tracker funds and then ignoring. We’re after capital growth rather than income. It’s £10 a trade using interactive investors but were only planing on a few trades initially and then leave it too it.

That's good to know Em. I don't know much about it but db does this for a living, so I asked him.

Me neither really. I know a bit but dh knows more. So I’m comfortable with that.

Hargreaves lansdown are a good one to use they’re super user friendly. We can’t use them here - as they don’t allow Channel Islands individuals to invest. Corporate structures are ok though as we use them for some clients.

That's good that your dh knows about it. I was trying to find stuff out and the websites are a bit hard to understand, but db sent me a screenshot of his trading screen, which was kind of exciting. It makes much more sense looking at that.

I'll have a look at Hargreaves lansdown. Thanks for that.

I’m not sure what the fees are. I think they take a percentage depending on the amount of trades you make. For our clients we pay a flat fee of £250 per quarter I think. As they’re just holding investments worth (in some cases £20m) on our behalf.

But worth a look. The reports they produce are easy to read etc and all available online.

Has anyone bought a seasalt sailor long sleeve top that can tell me how long the body is. All the model photos have the shirt tucked in.

School dinner account topped up. Will go out and fill up the car in a bit and get money for the activity ds does that requires a weekly cash payment, then I think all my pots of money are sorted

Mine seem to charge 0.5% as a one-off I think.

Hello everyone, decided to come back again had my £140 ESA, sent £50 to my direct debits account for bills, and FINALLY managed to pay off my Argos card at £52.96! then £25 for electric leaves me with approx £15 for food.for the next fortnight.

That sounds quite tight for food @SneakyGremlins, how many of you are there?

Yesterday was NSD for me.

Your DS sounds like such a sweetie @Autumn.

Just me bookworm done some shuffling and upped it to £20, but do have lots of pasta and sauces and some frozen meals in!

Oh I'm glad to hear that @Sneaky

Thanks Bookworm. It's a bit tricky to find his route through life, but I'm working on it.

£36 Sainsbury’s including new jeans for me, sweets for any trick or treaters and a footner type thing which I am trying out now whilst ds and I play games
£3.60 post office posting back one of ds’s gifts on behalf of a relative and activity money drawn out for the month. Frugal win if I do this at the post office I can draw out just enough for the activity and have it in change so I don’t have to spend anything to get the right money each week. Will do that again

Spends today:
£25 Primark on a lint roller, joggers for DS and a sheet and mattress protectors for his bed. I need to get him some warmer trousers for the winter so that's one pair. I think I'll order him some long johns from H&M too.