Significant Summer Saving, significantly less spending, super (non) splurging. Frugal folk continue being frugal here. All welcome.

[needastrongoneagain]

Making a new thread!

Please check in regular posters and welcome new people.

This is a super friendly thread to contribute to. We are all wanting to be as efficient as possible re spending but all have different budgets and priorities. No judgement here.

NSD (no spend day) for me.

@rainbow hope your new phone lasts a long time! It's a big old expense isn't it but we're so reliant on them.

I spent £70 last night on a Neom diffuser for SIL who is going through a really tough time. Will also be expensive to post to her abroad but Look Fantastic didn't post directly to the Netherlands. However, she is absolutely amazing and I think she'll love it, plus it's a total bargain- usually £200. I have one and love it so much.

We’ve done the goodbyes. She leaves tomorrow.

ds and I did a sneaky trip to the beach last night after dinner. Took a couple of mates. We stayed in the water in the surf for hour and half. It was glorious.

almost lost our dry stuff….tide was on its way in and we hadn’t left it far up the beach enough! Ds moved it though just before the tide came right up.

ds did lose a croc. But they were old. He’s had a couple of summers out of them.

I am absolutely aching right now. The waves were glorious last night. We got absolutely battered. So much fun though.

I think they have changed the name to accounts now. Used to be vaults so it can be confusing as they also have instant access savings accounts. Which are similar but different.

I use the regular accounts for sinking funds and the savings accounts for funds I want to grow.

it does not know what account to draw money from. All debits come from the home account. I usually keep a buffer in there and then transfer from the sinking fund accounts when I spend in that category, for larger purchases I transfer prior to paying. I have a shared fund with my sisters so when we go out for dinner and get the bill, I transfer the amount of the bill into my main account and then pay for dinner.

I am also not ready for coat weather. We are *eating a new stove installed in 2 weeks so cold weather has to wait until then.

today was I high enough spend. Stocked up on bras in M&S and after vouchers it cost me €60. €50 on Amazon for items I saw on the Christmas bargains thread. Small child has a late autumn birthday so good to have a few things stocked up.

then €24 in Penneys, €14 Tesco, €12 crispy crème donuts.

Oh that makes obvious sense now it's been explained! I love my revoult account I often use it in stuff like vending machines and parking meters.
@ememem84 it sounds phenomenal to live in Jersey. Jealous.
How is everybody's calorie counting going?
I absolutely blew mine at the weekend had 1800 on Saturday. 1200 is very tight at times.

Afternoon.

Sorry that I have #enabled 😊.

A pretty low spend few days

Thank you for the book recommendations. I like the idea of something easy to read and then something like a thriller. Spent £18 but now going to investigate a library membership. We actually have a local library in our village, I figure if I'm at home a lot more then it's a good idea to actually use the service.

Other spends
£12 The Range on a mop and bucket (glam).

Sweet potato and coconut dhal for supper.

Afternoon everyone 😊
NSD for me again thankfully but l will need to do a food shop tomorrow.
Hope everyone is ok and enjoying good weather . It's rained until about 3pm then the sky turned blue and sun came out and it's been lovely here .

I spent £2 in a second hand book store, yesterday was a nsd. I'm eyeing up the Lego insiders sale. I have lots allredy but I'm having spending impulse as I'm feeling emotional. Also looking at salad spinners and a new tablet on Amazon. Salad spinner is probably the best thing to buy

£7 winter boots for my daughter Sainsbury's bargain.
£2 some new colourful gel pens for work stationery lady is hard work to track down and I like pretty pens.
£4.90 coffee - how is a latte almost a fiver now FFS.
Also ordered DD some cardigans will report back once they've been tried on.
Unfortunately I have accidentally looked at the girls range on Zara and actually think for my financial interest it's best I block that page immediately.

NSD today. Very glad to finally have one. Though I think the Christmas bargains thread could be a problem for the spending. I’ve added a few things to mt amazon basket but not checking out today so will decide tomorrow if I really need them.

setup 2 new revolut pockets for summer spending and holidays to be more prepared for next year.

I can't even look at Zara..... I have to remortgage my house if I do. That and h&M home.

NSD here. Yippee.

Ooohhhh coconut dhal .... Do you have a recipe at all?

Hope MIL went home ok @em? :)

Forgot to mention @ChipshopPickledEgg I've just started calorie counting (after many years out of the game and piling on 2.5 stone) and wow. I was thinking "I'll be good and put details into myfitnesspal" and yes. Wow is the word. I'm hovering around 2000 every day instead of 1200. Just goes to show I'm eating way more even on good days and this explains the weight gain.

Out tonight for dinner with best mate and I already know I'll go way over so tomorrow is a new day. I have noticed that all you lovely people are very disciplined though so I'm feeling inspired so shall get it under control as well as my money :)

ok, enjoyed my last payslip before a drop a day at work and did an Amazon shop, it was going to be over £100 but removed an item so £92. Wireless headphones, as I lost mine, but they're probably at the bottom of a bag, salad spinner, Lego on sale and stickers

Morning all - I got back from my cruise Tuesday afternoon, did a grocery shop (£49), yesterday lunch with a friend (she paid), I bought a gift for a poorly friend (£11) and ordered some new slippers from Amazon (£15). Got the dentist today - I pay on a monthly plan so no outlay today unless problems found….

@ChipshopPickledEgg coffee here is so expensive. I bought a coffee and a beer at a small local bar in one of our Spanish port stops and it came to €4.50 (£3.90) 😮

Morning everyone, I've been busy already and spent £9.99 on rock painting pens from amazon and £8 on a bag of rocks from Dobbies. DS is too old for it (we did it in covid and had loads of fun!) but surprised me by saying he was up for doing some, so I leaped at the chance to spend time with him and get him off his electronics for a while! Also convinced him to play card games with me last night and we had such a laugh, it's mad how when they become teens you basically beg them to spend time with you 🙄😄

@chimichangaz welcome back, how was the cruise?

@Frugal25 I lost nearly 3 stone calorie counting before mounjaro. I did a weekly goal as well as daily and made sure I never went over that- so if some days were higher, that was ok as long as some days were lower. Good luck.

Great bargains @PearlsPearl ah bless your Ds 😊
NSD apart from a donation of £10 to Alzheimer's at a funeral l attended in behalf of my Mum. The lady in question was 94 had a marvellous, happy full life and it was more a celebration of her life than a funeral . I didn't really know her well but My Mum did of course so l just represented her .

@PearlsPearl it was wonderful actually - only a short five night one to northern Spain but lovely to spend time with my sister (and not have to cook, clean etc!).

Ended up spending a tenner today in Asda on top up fruit plus breakfast stuff. Not good news at the dentist as I need a filling replacing.... will be £148.50 next month.

Oh @MaryGreenhill what a lovely thing to do. Bless you.

£79.23 in Lidl with 10% off. Threw things in that weren't on my list. Whoops
£7 on play group for DD. Just been told that it's going up to £8 and DD has started asking to leave half way through..... Maybe time to drop it as I'm not paying more for something she doesn't want to do. Makes me sad though. We have been every week since she was 7 weeks old. It's become my refuge and kept me sane. But the friends I made there have slowly left so maybe it is time.

Off to dinner tonight and will get cabs each way but will declare £ tomorrow :)

It's so sad when they start to deattach from something they previously loved.

Aw thank you @Frugal25 that's so kind of you 🤗
Bless you re your Dd's play group . There are so many nostalgic stages like this we have to go through.
The bright side is you are going to have so many more men lovely experiences with her .
Onwards and upwards sweetheart 🤗

@PearlsPearl my little one did so much rock painting this year. Acrylic paint pens were the gift that kept on giving.

@Frugal25 that is a pity about the play group. Where did your mum friends move on to? Anywhere you would go to?

Very nice of you @MaryGreenhill to attend on behalf of your mum.

today was small child’s first day back at school. So €70 spent on art supplies and then €21 on groceries. Trying to not do a big shop as I’ve stuff that needs to be harvested from the garden so need to use that first.

Spent £62 on amazon today on things I've been waiting for payday for, forgetting I had £58 on there as gift voucher from returns I made, so it only cost me £4. Woohoo feels like free money!

A new dog walking bag, face moisturiser, Smidge spray (we're doing the NC500 in a few weeks and I've been warned about the Scottish midges! Well none in my part of Scotland but apparently bad on the west coast) and a box of 50 pens for the foodbank that I volunteer in, as they all miraculously disappear.

I've not heard of paint pens... I shall have a look at these as DD would love rock painting too.

There are places to take DD that other children have moved on to, I shall start to move away from play group and do these instead. :)

Dinner last night including cabs was £47. Under budget by £3. Friend bought all the drinks and I bought the food. I'll swap with her next time as drinks are more expensive.

Hoping for a NSD today. No need to buy a thing. Do need to take a parcel back for a refund of £12 at lunch.

You are doing so amazingly on your weight loss journey @PearlsPearl . You inspire me to keep going.

The monthly shuffle has been done - funds are where they should be now so payments can go out when and where they should.
I have set myself the challenge of trying to pay my new phone off before the next credit card statement is released. It might be tight but only have £190 to pay back into savings after raiding the savings for a 50% deposit for the new boiler in February this year. That was £1542 so once that is done will redirect that payment to the phone.
It's been an expensive year this time around - but Dining room is nearly finished just waiting on DH to stop faffing around and get on with completing the radiators. I was annoyed at him yesterday as I took the GCs out with a friend and her GC - he had all day with the house clear of children and he spent the day binge watching The Hundred!! 😡I have also re-painted the porch and now have just the inside of the cupboard doors to finish and I can put the paint pots away.
But despite spending money we really shouldn't on Holidays and freshening and updating rooms in the house - debts are still on the downward trend so that's a positive.

Oh @Rainbow1901, that would have irked me too re your DH.....

Love the 'free' items on Amazon @PearlsPearl.

Rock painting sounds like a lovely thing to do for DC.

That's a really lovely thing to do for your DM @MaryGreenhill

I promise the next chapter will be just as lovely, and the next one and the next one @Frugal25.. savour it if you can (although I hated folk saying that to me as I was often rather knackered!). I used to love having a 'thing' to do each day too, so I understand the sentiment.

I'll link to the coconut dhal recipe, it's a Bosh one on YouTube called roasted sweet potato dhal, in case I forget!!

£6 on another book. I've joined BorrowBox though too, and will vibist our local library.

Had a refund of £40 for a subscription and made £10 on Vinted selling a Camelbak that I have had years but never used.