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  • FIRST POST
    • Pippilongstocking
    • By Pippilongstocking 6th Aug 17, 2:21 PM
    • 14,846Posts
    • 97,533Thanks
    Pippilongstocking
    Fabulously Frugal and Free at 50!
    • #1
    • 6th Aug 17, 2:21 PM
    Fabulously Frugal and Free at 50! 6th Aug 17 at 2:21 PM
    Hello folks - tis I, again. I've been on the boards for a goodly while now and learn new things on here everyday from the MSE angels here. Thank you all!

    So I'm 50 soon and no idea how that happened and I've been making a wee list with the family. So, in order to push that final bit of debt finally away and let myself be free at 50, I've decided to make my number 1 thing on my list to be debt free by 50.

    Current debt is at just under £6k (plus pesky student loan which is in hand), having been at almost £35k before I found you all, we all know MSE works, as does focus. So here I am.

    The plan is as always to eat frugally, use YS and free food where we can and throw the extra at the cards and OD's where I can. Having just ditched the p/t job - I'm feeling a bit all at sea. I'm 500/month down and need to pull my socks up to make sure it doesn't feel so ouchy.

    I've a f/t job as a gardener in a large old estate - so whilst the pay is uber-modest, I'm lucky enough that it is both secure, nurturing, and nourishing (for body and soul) as its beautiful but we also grow a lot of veg there! I can't complain - I teach, I grow and I am finding working full time really suits me, I'm super lucky I work in something I'm really really passionate about I know I'm so totally grateful for that part of my life. You see you study forever, but still a job sneaks up on you. Darn that gardening gene :P

    So here's the 50 list. The plan is to do as many of these as frugally as possible whilst having as much fun and living as fully as possible. Yes, I'm trying to be THAT cheap date, so I need to do some planning and find cunning ways to get that list done as frugally as possible.

    Fabulously Frugal and Free at 50! Lets do this.

    1 – BE DEBT FREE
    2 – 50 random acts of kindness 2/50
    3 - Have a pedicure
    4 - Miso making - learn to make my own miso
    5 – Have at least ONE adventure each month, close or far away 1/12 done 2 more booked
    6 - Go to Iceland (like in real life not just for frozen food, or both or to a talk/exhibition)
    7 – Have a henna tattoo
    8 - Charity shop bonanza – every, last one in my county at least and/or go to as many as each place I visit next year?
    9 - Stay in St Andrews for a night
    10 - Grow groundnuts, sweet potatoes and some other exotic veg I’ve always wanted to
    11 - Visit a garden show
    12 – NHM with DS if possible or the whole family or a chum but GO!
    13 - Walk the local coastal path 112 milesmore bits done with EH
    14 - Design a garden for myself and make it
    15 – Keep a gratitude diary, like actively keep one started 12/10/17
    16 - Give blood
    17 - Go to a yoga retreat or just a class
    18 - Mocktails somewhere fabulous
    19 – Have a family photo taken
    20 – Grow a spice cupboard (ginger, turmeric, etc etc) why not tumeric planted
    21 – Have a ski lesson
    22 – Walk the Water of Leith
    23 – See a mentor speak
    24 – Have a ‘mate date’ once a month and find something ridiculous to do for free 1/12
    25 – Go to an online chum meet up and/or meet up with online chums 1/many I hope
    26 – Visit my favourite people at least once this year, no excuses 3 faves visited since this list.
    27 – Make a vegetarian meal at least once a week started 5/10/17
    28 – Print photos of the family and adventures and frame them
    29 – Make a new memory heart quilt – the kids each have one as does DH but not me
    30 – Float in the sea in a rubber ring with gay abandon
    31 – Restart my blog – I miss writing
    32 - Make a hat
    33 – Start a recipe book for myself
    34 – Make a proper pantry
    35 – Find somewhere to volunteer
    36 – Take a photo every day for a year to capture something special
    37 – Try a dance class or Zumba
    38 – Try an alternative therapy
    39 – Wear a beautiful frock to an event
    40 – Have afternoon tea in the garden with a friend
    41 – Have singing lesson or join a local choir
    42 - BBQ on the beach
    43 – At least one trip with us all and one weekend with us all at home, or just ONE night
    44 – Go to a costume party
    45 – Grow as much of my own food and cordial as I can
    46 – Get chickens (again)
    47 – Eat at some crazy hidden restaurants for as frugal as possible
    48 – Have a picnic
    49 – Take a long train journey
    50 – Have a really good haircut or change the style, why not

    Let the fabulous frugal games begin.
    Last edited by Pippilongstocking; 07-11-2017 at 7:00 PM.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
Page 1
    • Pippilongstocking
    • By Pippilongstocking 6th Aug 17, 2:29 PM
    • 14,846 Posts
    • 97,533 Thanks
    Pippilongstocking
    • #2
    • 6th Aug 17, 2:29 PM
    • #2
    • 6th Aug 17, 2:29 PM
    Focus of today's efforts is to meal plan and make sure we don't waste any food.

    Breakfast is always at home and is generally porridge, cereal or eggs, hot chocolate and water.

    Lunch is home made - there are currently 16 portions of HM soup in freezer, 3 breakfast snack rolls for himself and a tray of HG rasps and jelly in the fridge. Fruit/Snacks in fridge. HM cordial in fridge and fizzy water to make up juice for work. Or there is enough salad to sink a ship and plenty accompaniments for variety.

    I do a lot of snacking (or pre teas, as I call them) so I need to get organised with something good and healthy as my trousers barely fit anymore. Put on 1 stone and a half since starting new job, largely comfort eating when in at 5pm as I'm ravenous.

    Sunday - chinese dumplings + miso
    Monday - day off keep flexible
    Tuesday - Pork sweet and sour boiled rice
    Wed - Fish curry, poppadoms
    Thurs - Risotto
    Fri - sneaky takeaway? or a fakeaway

    Will keep an eye out for reduced grub but we've plenty veg/protein might need some fruit. I topped up at the chinese supermarket yesterday so we've dumpling treats and some exotic veg in the fridge including two giant white mooli radishes.

    Must learn how to spiralize - is it possible without a gadget?

    Food spends this month £67.98/£200
    Last edited by Pippilongstocking; 06-08-2017 at 2:32 PM.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • Hiddenidenity
    • By Hiddenidenity 6th Aug 17, 3:00 PM
    • 4,230 Posts
    • 26,461 Thanks
    Hiddenidenity
    • #3
    • 6th Aug 17, 3:00 PM
    • #3
    • 6th Aug 17, 3:00 PM
    I lurked on your last diary so stopping in to subscribe so I can lurk again
    • beanielou
    • By beanielou 6th Aug 17, 3:33 PM
    • 49,047 Posts
    • 182,152 Thanks
    beanielou
    • #4
    • 6th Aug 17, 3:33 PM
    • #4
    • 6th Aug 17, 3:33 PM
    Happy shiny new diary
    Here's to a frugal & fabulous 50
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Cheery Daff
    • By Cheery Daff 6th Aug 17, 3:45 PM
    • 7,846 Posts
    • 37,929 Thanks
    Cheery Daff
    • #5
    • 6th Aug 17, 3:45 PM
    • #5
    • 6th Aug 17, 3:45 PM
    Ooh, happy new diary!

    And what an excellent list Love it Especially the chickens and the blog and thecharity shop bonanza - I confess I actually looked like this in real life at the thought of visiting even all the ones in my own city, let alone the county How many are there?! I've got 10 within ten minutes walk of my house, and another five within ten mins walk of work

    Excellent list though
    Saved for house move: £16,000
    • Pippilongstocking
    • By Pippilongstocking 6th Aug 17, 4:12 PM
    • 14,846 Posts
    • 97,533 Thanks
    Pippilongstocking
    • #6
    • 6th Aug 17, 4:12 PM
    • #6
    • 6th Aug 17, 4:12 PM
    Hey hello HI - nice to see you lurking again and thank you for subscribing.

    Beanie I hope you're well today and indeed here's to a frugal and fab fifty

    Cheery I know its rather ambitious - but why not - there are 9 charity shops in my local town, so that was OK - but I'm with you on the shreeky face - I may die trying.

    I might be down your way to go to a visit to the local BG for research (It has a naturalistic area which I've to go and snoop at and take notes.) I do miss the blog but find myself sometimes at a loss as to why anyone would read it. Especially without chickens. mind on life without chickens is very dull I have to say. I had emailed the rescue place but to no avail, maybe I'll try again today.

    Todays great efforts have focussed the mind on moving the grub spends into its own account - to give me a bit of accountability - I've renamed the DS uni account as the 'grub account' as of course he's no longer at uni. How did that happen?

    DD is enroute to the tother end of the planet (literally) had a good chat with her last night on the bus (good use of bus pass) and an online chat at the airport. Funny thing kids growing up.

    Make the most of the times we are together and listen to the family adventures is a good way forward.

    Paid £50 off the credit card today. Small steps.

    5755.40/£50 = 5705.40
    Last edited by Pippilongstocking; 06-08-2017 at 4:14 PM.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • Greying Pilgrim
    • By Greying Pilgrim 6th Aug 17, 4:13 PM
    • 3,940 Posts
    • 43,592 Thanks
    Greying Pilgrim
    • #7
    • 6th Aug 17, 4:13 PM
    • #7
    • 6th Aug 17, 4:13 PM
    Hey, Pippi

    Happy new diary!

    Will be with you all the way

    Greying '& Co' XXX
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • Pippilongstocking
    • By Pippilongstocking 6th Aug 17, 4:18 PM
    • 14,846 Posts
    • 97,533 Thanks
    Pippilongstocking
    • #8
    • 6th Aug 17, 4:18 PM
    • #8
    • 6th Aug 17, 4:18 PM
    Woo hoo me dear - I am so pleased I need all the help I can get I'm sure.

    Fabulous fun won't it be.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • beanielou
    • By beanielou 6th Aug 17, 5:19 PM
    • 49,047 Posts
    • 182,152 Thanks
    beanielou
    • #9
    • 6th Aug 17, 5:19 PM
    • #9
    • 6th Aug 17, 5:19 PM
    What is DD up to now?
    Holiday or slightly longer?
    Scary. My DS is 24 soon & about to start Masters next month.
    How the bleep did that happen!!!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • sistercas
    • By sistercas 6th Aug 17, 5:27 PM
    • 4,838 Posts
    • 58,312 Thanks
    sistercas
    Popped in to say good luck with it all , have subscribed and shall look forward to following you x
    RYSAW17. Jan 17. £197.91
    Feb 17. £128.52
    March 17. £210.69
    April 17. £155.59
    May 17. £191.64
    June 17. £126.02
    July 17. £262
    August 17. £22
    • Cheery Daff
    • By Cheery Daff 6th Aug 17, 5:28 PM
    • 7,846 Posts
    • 37,929 Thanks
    Cheery Daff
    Time does indeed fly!

    I'm am finding my own life very dull without chickens, and I've never even had any Every house we view I find myself finding a location for the chickens before I even check bedrooms Hope you get some more girls soon

    Ooh, visiting our local botanical gardens hey?? You will let me know when, won't you? We have spare rooms now and everything should you need them

    I thought of you as I made foraged blackberry jam this morning
    Saved for house move: £16,000
    • lucielle
    • By lucielle 6th Aug 17, 6:08 PM
    • 7,942 Posts
    • 34,005 Thanks
    lucielle
    Still here subscribed
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • maddiemay
    • By maddiemay 6th Aug 17, 6:52 PM
    • 3,213 Posts
    • 28,231 Thanks
    maddiemay
    Happy new diary, I found your diary via your blog a long time ago and have loved to read of chooks, dogs, plants, gardens windy ones and less so, adventures, a wedding, a move (not in that order) etc.

    Great list, I am sure you will soon be ticking off loads of things.
    Subscribing.
    • Pippilongstocking
    • By Pippilongstocking 6th Aug 17, 8:05 PM
    • 14,846 Posts
    • 97,533 Thanks
    Pippilongstocking
    What is DD up to now?
    Holiday or slightly longer?
    Scary. My DS is 24 soon & about to start Masters next month.
    How the bleep did that happen!!!
    Originally posted by beanielou
    Where does the time go Beanie - good luck with that masters - DD is going into final year of uni and off to nz to see dad before the crazy begins - she's back end of month.

    DS is out there cooking and looking to head to the alps again for another season of boarding and chalet work.

    I think one thing has struck me what people don't tell you when you have kids 17 months apart - they do the whole fly the nest thing at almost the same time. Tots unfair like.



    Popped in to say good luck with it all , have subscribed and shall look forward to following you x
    Originally posted by sistercas
    Hey up me lass nice to see you on here and please don't be a stranger - thanks for the good cheer.

    Time does indeed fly!

    I'm am finding my own life very dull without chickens, and I've never even had any Every house we view I find myself finding a location for the chickens before I even check bedrooms Hope you get some more girls soon

    Ooh, visiting our local botanical gardens hey?? You will let me know when, won't you? We have spare rooms now and everything should you need them

    I thought of you as I made foraged blackberry jam this morning
    Originally posted by Cheery Daff
    Our blackberries are still wee green bullets - I like you lot in the south - makes me know what's coming we do like a bit of bramble jam. As for chickens cheery you were born to have chickens = you'll find the right place I'm sure soon. I may be down at Aunty Wik, so may pop over for the day although a nice lovely bed does sound good. HG raves about your BG so fingers crossed. And, it will give me mega brownie points at work - as himself and I are VERY VERY different kind of gardeners.

    He loathes all things edible

    What did I get myself into. taking a 'proper posh job'.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • Pippilongstocking
    • By Pippilongstocking 6th Aug 17, 8:08 PM
    • 14,846 Posts
    • 97,533 Thanks
    Pippilongstocking
    Still here subscribed
    L
    Originally posted by lucielle
    Hey L hope you and yours are fine and dandy - and only good things are occurring.



    Happy new diary, I found your diary via your blog a long time ago and have loved to read of chooks, dogs, plants, gardens windy ones and less so, adventures, a wedding, a move (not in that order) etc.

    Great list, I am sure you will soon be ticking off loads of things.
    Subscribing.
    Originally posted by maddiemay
    Hey Maddie hope the garden is good and splendid? I'm finding it hard to find a writing voice at the moment - job is very erm, HARD, and brain and body are frazzled when I get home. I've become a huge fan of instagram at least when I have nae words there are still daft dogs and bonnie gardens to see.

    Still loving being here in the kingdom - which is windy but NOT QUITE that windy. Gardening is still challenging but not of epic proportions anymore and I do have my own garden now, as well as the humungous work one which is ace. Garden at work, garden at home. Perfect combo.

    I have been known to come home and garden by torchlight too

    Lovely to see you all and for the lovely woo hoos.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • Pippilongstocking
    • By Pippilongstocking 6th Aug 17, 8:18 PM
    • 14,846 Posts
    • 97,533 Thanks
    Pippilongstocking
    Was chatting to one of the lovely housekeepers at work today - who is also 50 next year - there is a suggestion of a wee joint party. I'm not really a party kinda gal, but she then went on to say about a wee costume party.................that got my ears paying attention.

    We couldn't, but perhaps we could? Would be the potential to host at work (she does have the keys.....) - well wouldnt' that be just ridiculous (and free........) and they do throw a good party there.

    Of course we both agreed neither of us actually believe we can be 50. I was out on my bike about 5 minutes ago and playing in the mud.

    *Ponders*
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • Lemon Tree
    • By Lemon Tree 6th Aug 17, 9:24 PM
    • 9,463 Posts
    • 31,240 Thanks
    Lemon Tree
    Found you trying to not read too much into my finding the last.dieary and then you starting a shiny new one lol
    Would love to be part of no. 25
    • in need of direction
    • By in need of direction 6th Aug 17, 11:01 PM
    • 4,738 Posts
    • 26,832 Thanks
    in need of direction
    am with you all the way to 50, apart from the chickens. birds terrify me!
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £130/200 cash.
    Current weight loss 7/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Honeysucklelou2
    • By Honeysucklelou2 7th Aug 17, 12:54 AM
    • 516 Posts
    • 1,916 Thanks
    Honeysucklelou2
    What an amazing job...to garden at work and home! Your list looks interesting and fun, especially the getting chickens. I used to have some til the fox got them but they are fascinating creatures.
    paydbx #90 £475/£10,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Pippilongstocking
    • By Pippilongstocking 7th Aug 17, 7:53 AM
    • 14,846 Posts
    • 97,533 Thanks
    Pippilongstocking
    Found you trying to not read too much into my finding the last.dieary and then you starting a shiny new one lol
    Would love to be part of no. 25
    Originally posted by Lemon Tree
    Like I'd ever hide from you LT - the wee ones would find me in a millisecond - I need more focus. Or something was visiting a chum with tiddlers the other day and they call me aunty wellyboots - makes me giggle so much. And no 25 indeed why not I'd be honoured.

    All that chat of surveys on your diary has me thinking I'm sure I'm at about £20 on yougov must check its that or onepoll - I can't mind - will check thanks for reminding me - I'm giving myself a hard time about doing none of these but I think if I'm honest - Im' hardly at a PC anymore so I'll see if I can net the money from the one I need to and look into online selling or something I think I have a whole VW camper exhaust system in the shed and various bits of stuff we really don't need. So thanks for the mental push

    am with you all the way to 50, apart from the chickens. birds terrify me!
    Originally posted by in need of direction
    Thanks INOD - pity about the birds, they're so funny. But, I'm terrified of bees, in my job that's not clever. I have learnt to be fascinated by them and not scarper everytime I see one - I'd not get much done if I did. My BF is terrified of the chooks so stands looking at them from the gate. Hope you have a great day today.

    What an amazing job...to garden at work and home! Your list looks interesting and fun, especially the getting chickens. I used to have some til the fox got them but they are fascinating creatures.
    Originally posted by Honeysucklelou2
    Sorry to hear about your chickens, that must have been tough - we've foxes around but three years here with chooks and we've been lucky I think. We do have two terriers though despite being afraid of chickens (yes really) might have helped with a fox but I just don't know.

    Its a muddy job but someone has to do it Honeysucklelou I've gardened my whole life since I was a tot, just for fun, was only when life went a bit peculiar and I found myself alone with two tiny tots when I was 30, wondering what to do to keep pennies coming in and my sanity afloat - so I had a career change. Never looked back.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
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