Meet the Other Phone. Only the apps you allow.

Meet the Other Phone.
Only the apps you allow.

Buy now

Please or to access all these features

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.

Frugal friends follow each other frugally through Hallowe'en, COVID all welcome

999 replies

Happierwithouthim · 19/10/2020 11:12

Here you go life

OP posts:
Thread gallery
34
Bornlazy · 25/11/2020 13:59

Welcome tightwad you sound like you have a real handle on your finances.

I've just realised that the most frugal thing I do (or rather don't do) is not spending money on beauty treatments. I never get my nails done, sporadically colour my own hair, only get it cut about once a year and just trim it myself the rest of the time. I should really be a millionaire with all those savings 😉

That's good life that you'll get the money back.

em I love a bit of online shopping. It's easier to stick to a budget as there's less temptation.

lifelongfrugaleer · 25/11/2020 14:20

Welcome tightwad. You are amongst friends.

Tightwad2020 · 25/11/2020 14:27

Thank you!
Bornlazy - I used to colour my hair myself, but finally had to admit that the stuff no longer stuck to my increasingly grey and coarse hair. Since I'm not ready to grow it all out, it's the hairdresser for me. But I have cut my visits down to half of what they were (L'Oreal root touch-up very good!) and if I can find a hairstylists' college then I can cut the costs further still.
I do my own nails (mostly to cover up the damage wreaked by the garden) and I do find it one of those effective cheap thrills. A bottle of Mavala nail polish costs about £4, lasts forever, and those tiny bottles of glowing pigment spark joy in my miserly heart.
Sali Hughes is a writer on beauty and make-up, and she produces great lists of the '20 best under £20' variety. I recently went for a Rimmel brow gel and a Maybelline mascara, each about £5, on her recommendation and they're fab. Means I can just trim and pluck my eyebrows myself and, although I am sparser of eyelash than of yore, can put off the day when eyelash extensions seem a good idea.

Em, has online shopping only recently arrived in your location? I found that switching to shopping in person in Aldi from online shopping with Sainsbury's was a huge saving (still buy a few brands from Sainsbury's, and use the butcher/baker/greengrocer as well). But I was able to do that because I'd stopped FT work, hence more time to food shop.

I have a better handle on finances than before, (really, really wish I'd been this vigilant when earning more, but hey ho) but some of our costs are high and I never seem to make significant inroads. Our heating bill is high: the house is old, leaks heat and our boilers and radiators are a bit pants e.g. no thermostat, so no control over temperature, it's either on or off. I'm doing what I can in terms of increasing insulation, switching suppliers etc, but until we install a better system, it is what it is.

Unescorted · 25/11/2020 16:56

Hi Laska & welcome tightwad

life I was thinking.... so you could take advantage of the Stamp Duty holiday could you flip your properties? This would only work if you hadn't got a significant uplift in capital value on the first house.

I went to a big Tesco last weekend in my hunt for Vegemite (unsuccessful due to national shortage it seems) and became so overwhelmed by the amount of stuff - the cereal aisle was bigger than the whole of my local Tesco. I left with out half the things I needed and left with a trolley full of stuff I didn't. I will be sticking to my locals in future.

Lovemaltesers · 25/11/2020 17:06

Welcome tightwad

Hi laska

No one else is showing symptoms still. DH is going back to work tomorrow whilst we finish our self isolation. I suspect everyone there will be keeping a good distance from him.

Food shopping arrives soon. Woohoo! Fridge is so empty and I never got around to cleaning it

I need to have a difficult conversation with my mum about my dads care. She’s been calling on friends to help her, but they’ve been in contact with me to say it is too much and should be my responsibility. Which is going to be rather difficult when I’m at work... Sad

Lovemaltesers · 25/11/2020 17:07

I don’t disagree with her friends though. It is too much.

Mrsmadevans · 25/11/2020 18:19

@Unescorted

Hi Laska & welcome tightwad

life I was thinking.... so you could take advantage of the Stamp Duty holiday could you flip your properties? This would only work if you hadn't got a significant uplift in capital value on the first house.

I went to a big Tesco last weekend in my hunt for Vegemite (unsuccessful due to national shortage it seems) and became so overwhelmed by the amount of stuff - the cereal aisle was bigger than the whole of my local Tesco. I left with out half the things I needed and left with a trolley full of stuff I didn't. I will be sticking to my locals in future.

Unescorted l have done the same l just can't seem to concentrate! Grin Welcome Tightwad Grin
Mrsmadevans · 25/11/2020 18:22

Em yay to the online delivery ! Smile
Love so glad your Dh is fine Smile sorry to hear about your Dad needing help , it is really hard l know Flowers
Born l am the same. l don't get my hair, nails , feet, eyebrows or my Vazazzle done Xmas Grin
NSD for me and about time too! Xmas Grin

Mrsmadevans · 25/11/2020 18:35

While l am here l wondered what people are doing for their wills onlu Mum wants to do hers , l contacted the Co op but haven't heard anything back off them, l wondered how the wills from a charity worked and if they are any good. Anyone have any advice please ? Thank you Smile

lifelongfrugaleer · 25/11/2020 18:45

I got mine done via Marlow wills. She is a mnetter. All on line £220 for joint.

£462 on cc for new house insurance, shares sold £784 in. No other spends

Wolfcub · 25/11/2020 19:03

Mrs I did mine with WillAid and a local
Solicitor. All the mi etc goes to charity. Cost me £100 for a single will

SnugglySnerd · 25/11/2020 19:54

I keep meaning to write a will. I must get on with that.

Welcome Tightwad.

Mrsmadevans · 25/11/2020 19:55

Fab thank you Wolf & Life Smile

Lovemaltesers · 25/11/2020 20:01

Our Wills were done through my union PCS membership so was free if I recall mrs . Might be worth seeing if anywhere you have a membership with offer a free or reduced service?

Mrsmadevans · 25/11/2020 20:03

Ohh right! Thank you Love l tried Santander but theyhave stopped l will try her pension ppl Tesco fingers crossed Smile

Lovemaltesers · 25/11/2020 20:03

Might need to look into updating that now I’ve married him. Will add to the to do list!

lifelongfrugaleer · 25/11/2020 20:18

Yes pcs do a basic one. It depends if it's a relatively simple will or there are complications such as step children, partners, second homes or marriage etc. More straight forward is easier and cheaper than complex ones.
Need to know all assets, line of inheritance, who will be executing it, possible funeral arrangements. And witnesses.
And lots more I'm sure. Charities can do it for free in return for a bequeath.
Possible suggest a reputable local solicitor or house insurance legal cover might help

lifelongfrugaleer · 25/11/2020 20:22

Woohoo online shopping. Definitely worth the money IMO.

No unfortunately not unescorted. I'm thinking of it as my new bathroom savings.

That tiny stretch of sea is clearly too much laska. And hi

Sorry to hear that love about d dad. Tough convo coming

Taytocrisps · 25/11/2020 20:25

I've spent half the day on the phone trying to move things along re: transferring the house (and mortgage) into my name. It's a case of one step forward, two steps back.

I'll do up a will in the new year when everything is (hopefully) sorted and I'm officially separated.

It's a month to Christmas today. It doesn't feel remotely Christmassy. Part of my head is still back in March - it's like time stood still.

On a happier note, I think the lockdown restrictions will ease a bit next week and they're talking about the possibility of visiting friends and family over the Christmas period.

Unescorted · 25/11/2020 20:41

Love if your Mum isn't coping and you are working please call Adult Social Services. That way a care package can be put in place for your Dad. Much love to you - it is difficult being the jam generation.

Laska I was thinking of you yesterday - we are having a bake off competition at work. The brief is a MCC gingerbread house.... I am thinking of creating a design and access statement , community engagement strategy and an SI pack based on a fairy tale ( Goldilocks, Hansel & Gretle or Snow White spring to mind). COVID has given me too much time....

ememem84 · 25/11/2020 21:38

tightwad yep. Well in coop anyway. We don’t have asda sainsburys tesco (we have shops which sell tesco products but they’re not tesco) lidl or aldi here.

You could always get home delivery from coop but you’d have to go in and pick it yourself. For us though with two littlies and two full time jobs it’s amazing.

£100 pizza express. 4 starters (dough balls and garlic breads) 4 pizzas, 5 large peronis and two large wines and an apple juice - for dh me dsis and her boyfriend. The kiddos shared my pizza. Dd ate all of my olives shes such a savage liking olives and is definetly her fathers daughter

CurlsandCurves · 25/11/2020 21:57

Made a start on Christmas shopping today. I’d made a list over the weekend, why I don’t keep the same one each year I do not know. Went to Morrisons and Aldi and spent about £50 between the two. Definitely made headway into the food Christmas shop.

Then I came home and started on the boys presents. DS1 wants only money because he’s gradually building a computer. But I can’t have nothing for him under the tree so I have got him a couple of tshirts and some joggers. The rest from us will be money as he wanted. My brother and family will probably send cash too as it’s easy to post. And I’ve a few ideas for my folks.
DS2 has given us lots of ideas so that’s great, he is pretty much sorted.

It’s creeping up so fast now!

Unescorted · 25/11/2020 21:58

em The first solid food DS scarfed was olives. Pinched them off the table while non one was looking. We only ate pre pitted ones after that. He and I now have a shared love of brassicas and pickles.... sauerkraut is heaven in a jar.

lifelongfrugaleer · 26/11/2020 07:02

Are you a bit bored unescorted Grin

Yeah Christmas. I have a festive note book to keep my core food list and present list. It's packed this year so I've had to make a new list

£3 on fruit yesterday

lifelongfrugaleer · 26/11/2020 07:05

I've taken myself off the Christmas thread as I'm about done and fear the twitch

Swipe left for the next trending thread