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  • FIRST POST
    • Pippilongstocking
    • By Pippilongstocking 6th Aug 17, 2:21 PM
    • 14,842Posts
    • 97,488Thanks
    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 miles
    14 - Design a garden for myself and make it
    15 – Keep a gratitude diary, like actively keep one
    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
    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; 23-09-2017 at 7:34 AM.
    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 3
    • starnac
    • By starnac 11th Aug 17, 4:16 PM
    • 5,166 Posts
    • 24,047 Thanks
    starnac
    That's a bit pants about no "thank you" from your old job. I had the samewhen I left my last job. No one said anything and I didn't even get a card, when 2 weeks prior I had been asked to contribute to someone else's leaving present!! Better off without them I say.
    DEBT FREE!!!!
    Sealed Pot Challenge #307
    Save
    Save
    • Hiddenidenity
    • By Hiddenidenity 11th Aug 17, 10:23 PM
    • 5,063 Posts
    • 23,155 Thanks
    Hiddenidenity
    Have a lovely weekend x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Pippilongstocking
    • By Pippilongstocking 12th Aug 17, 5:21 PM
    • 14,842 Posts
    • 97,488 Thanks
    Pippilongstocking
    Hello chaps and chapesesses.

    Apologies for the tardy replies the internet here is shocking and I've asked them to send someone out - will I post tonight or won't I - its a whole whirlwind.

    HI hope you have a great weekend too! And, the sun shines.

    Cheery and Starnac - thanks chums its just showing me it was good to go I guess, but still sad about it and the lack of wages until who knows when.

    Weekend has been busy off to update the spends and the pots.
    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 12th Aug 17, 5:27 PM
    • 14,842 Posts
    • 97,488 Thanks
    Pippilongstocking
    Friday spends - mutt food, reduced food and some stuff from the whole food shop - £16
    Saturday spends - reduced gubbins £7 and biscuits for work
    Gas for the cooker £33.99

    Friday saw us come home with half a bucket of not-so-good plums, the same of redcurrants and some beans/spinach and peas and a bucket of white rot onions that need prepped and frozen to stop that nonsense now they can't be stored.

    Have a huge pot of the chinese plum sauce started.
    Made two pots of raspberry and redcurrant jam
    3 bottles of redcurrant cordial
    and a huge pot of barely soup with chicken drumsticks used for stock (they were reduced) and I'll strip them for the soup. Makes for interesting soups if you think a bit out of the box when seeing reduced meat you'd not normally like.
    Also bagged up 7 bags of dahl for lunches and threw them into the freezer

    Was a busy wee night but worth it for the free/needing sorted grub.
    Last edited by Pippilongstocking; 12-08-2017 at 5:30 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
    :
    • beanielou
    • By beanielou 12th Aug 17, 9:07 PM
    • 47,744 Posts
    • 173,236 Thanks
    beanielou
    Could you just close one OD down meantime?
    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***
    • Pippilongstocking
    • By Pippilongstocking 12th Aug 17, 9:55 PM
    • 14,842 Posts
    • 97,488 Thanks
    Pippilongstocking
    Hey Beanie - I guess I could but I'm terrified. Of what I'm just not sure. Overdrafts are like comfort blankets - but do we really need them (or in my case, two?)

    *thanks - I'm pondering* I use them both to the max every month as my wages now 'live there'.

    Food for thought thank you.
    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 13th Aug 17, 8:30 AM
    • 14,842 Posts
    • 97,488 Thanks
    Pippilongstocking
    Morning lands - just a glorious day here - hope you're all well today in the lands of MSE.

    Just having a wee wake up cuppa and boiling up some 'wing dings' - chicken wing bones to make some stock - if Nigella can take bones home from dinner parties I'm sure I can snatch them out of folks hands when they have a nibbly tea here. MIL here and been having a wee wander with her.

    Today I'm hoping for a garden makeover day - might actually spend a full 8 hours in my own patch for a change and see what I can get done. I'm literally falling over wooden pallets and whilst they burn well, they're not bonnie so they need to be transmogrified into square logs.

    Both DS and DD doing fine in the lands of NZ. Nice to have internet to be able to talk to them.

    DH has released funds to book birthday trip next year to the land of the maples and bears. Got an incredibly good deal and as the lovely lady down on the telephone was super handy we've booked our xmas trip too. My word did she work her little socks off getting not one fabulous deal for us but two. After a long ponder and some research we called her back specifically (I'm sure they work on comission) and booked - what a great lady and lovely to actually end up talking to someone for a while. DH mighty pleased with both deals on trips. He's paying for one and I'm half paying for the other. All on a 0% card so will be paid off long before we go.

    Right breakfast then time for some list making and gardening.

    Morning world.

    PS 18k steps yesterday not much good but MIL can't mega walk like we can, snuck out for a walk later before bed but no way I was getting up to 20k as me eyes were just rolling in me head.
    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 13th Aug 17, 11:10 AM
    • 5,063 Posts
    • 23,155 Thanks
    Hiddenidenity
    Have a lovely day

    Sounds like lovely holiday plans x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Pippilongstocking
    • By Pippilongstocking 13th Aug 17, 11:35 AM
    • 14,842 Posts
    • 97,488 Thanks
    Pippilongstocking
    Hey HiddenIndentity have a great one yourself!

    Weekly debt:

    Week one of new diary - thank you folks for coming and helping me.

    Current debt was £5705.40
    Debt today - £5600

    Great news and a bit of focus this end a wee cheer and a wee woop.

    Focusing on PAD's but not going crazy has helped I'm very bad at huge PAD's and then oh dear no money for cornflakes.

    Regular monthly payment to cards is activated so avoiding late charges and forgetfulness.

    Putting petrol and grub spends budget into their own online saver helping to capture spends.

    Work has been generous this week with its scabby but edible bounty.

    Reduced bargains have been generous too.

    Making sure we both have lunches and breakfasts for work is hugely helping too.

    Really need to focus on eating what we have than too much squirrelling unless the squirrelling is into the larder and not wasteful.

    Still have a goodly amount in the budgets

    Wages still have about £800 left in the account. And an invoice of £500 outstanding.
    Petrol £150.16/200
    Grub £79.67/200

    Almost half way through the month so that's OK I guess and I did put the gas bottle in the grub budget .

    Progress me dears, progress.
    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
    :
    • lucielle
    • By lucielle 13th Aug 17, 12:09 PM
    • 7,940 Posts
    • 33,992 Thanks
    lucielle
    All sounding good
    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
    • Hiddenidenity
    • By Hiddenidenity 13th Aug 17, 1:08 PM
    • 5,063 Posts
    • 23,155 Thanks
    Hiddenidenity
    Definitely progress and all in the right direction
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • beanielou
    • By beanielou 13th Aug 17, 5:28 PM
    • 47,744 Posts
    • 173,236 Thanks
    beanielou
    All sounding good indeed
    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 13th Aug 17, 10:16 PM
    • 7,707 Posts
    • 37,472 Thanks
    Cheery Daff
    Progress indeed!

    Thought of you today while butchering our giant gifted courgette Sadly didn't cook it long enough and it was rather more solid and squash-like than I'd realised but disn't want to waste it so are it anyway and have leftovers for dinner tomorrow

    Back on the case with meal plans this week!
    Saved for house move: £16,000
    • Pippilongstocking
    • By Pippilongstocking 14th Aug 17, 11:50 AM
    • 14,842 Posts
    • 97,488 Thanks
    Pippilongstocking
    Hey Cheery - we're not quite at the giant squash stages here but I do have two tiddly courgettes in the fridge. One had bottom end rot - which is as desperate as it sounds - so we lost half of it - I gifted it to the birds, who didn't seem remotely interested I must get chickens sorted out - they were always delighted with my old tatt from the kitchen. Glad you've another dinner out of it.

    Beanie, L and HI thank you - amazing what a bit of motivation and some focus does eh. Many thanks for cheering from the sidelines.

    Yesterdays progress was to chop my own height in logs and pallets the patch looks tidier now. I gifted some cat mint to a neighbour and cut back some of the weeds at the front - amazing how the work garden looks lush my own patch is rather neglected.

    Coup spends were 2.50 for an organic reduced whole chicken (result), 1.13 for chicken breasts x 2 and some rather sad looking lettuce for 29p - add some rice to that and spends were £7.30. Happy with the snagged chook and its all in the freezer.

    Tea was a rather lush sweet and sour recipe from a chum which we did with pork (reduced) in the most fragile of batter coatings and lots of crunchy veg - twas just delish, one portion left over for himself for lunch today. One extra full tea sized portion of rice also in freezer. Always handy to have.

    Got steps to 20k again yesterday but man it was a struggle. And, I've lost one more lb so I'm clearing making progress there, slowly.

    Meal plan later - did a complete thorough fridge audit - everything in there is safe and sound - added a half tin of pineapples in there - so perhaps tonight it can be f/b pizza? Although I don't think we've any tomatoes - might see whats ready at work and buy some from there.

    Trying to hatch a plan to go 'south' this week - will see if I can rearrange something at work.

    And, its raining dear hearts - not great as I yanked me onions last night so instead of drying they're getting a wee free shower. Guess they'll be clean. Also harvested gooseberries (all 14 of them!) tiny red wee jewels - I guess can't complain as the plant was £1 in mr A.
    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 14th Aug 17, 8:59 PM
    • 14,842 Posts
    • 97,488 Thanks
    Pippilongstocking
    Wee lovely wet day. Good progress made and did a huge bunch of flowers for a chum over lunch selling house with a viewing. Fingers crossed. Saved her £30

    HM chicken for him and courgette for me curry. Both halves frozen for later. Other half chook cooked up for lunch.

    Wee 2mile walk after work. Tired now.

    Nsd

    All good.
    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 15th Aug 17, 8:50 AM
    • 14,842 Posts
    • 97,488 Thanks
    Pippilongstocking
    £73.37 in the grub budget - slowly depleting. But fridge and freezer full.

    Chicken curry last night for tea instead of HM Pizza as lack of tomaotes - but just picked a pile today so all good. Will make sauce later.
    Decided to use work 'box' stores for lunch and save the chook for topping pizza.

    Harvest day today at work too so we'll see what spoils there might be or nice things to buy.

    Need petrol - and dug fud. Could use the coop card to get the dug fud and not spend anything else aside petrol - ponders ponders. Wouldn't be a bad idea.

    Found a coop receipt with money to claim if member - whilst its only 10p its better claimed and the street was tidier for it.

    Not much to say really aside still doing my fitnesspal and I'm under 10st now - lost 5 lbs in 4 weeks so that's progress too.

    Planning a trip sooth so much check toil and holidays after book off for xmas trip.

    Right best skiddaddle - have a great MSE day folks.

    XOXOXO
    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
    :
    • Kantankrus Mare
    • By Kantankrus Mare 15th Aug 17, 9:14 AM
    • 4,834 Posts
    • 11,178 Thanks
    Kantankrus Mare
    Just dropping by to say I've subscribed to your thread. Really interesting reading.
    I have a fitbit and we do weekly challenges with others which is a real motivator as no one wants to come bottom!! lol

    A girl I work with has really got the walking bug and can sometimes do 30,000 in on day!! She is also following a weight watchers plan and has lost nearly 3 stone. It has been weird watching her shrink before my eyes.

    I also have an allotment which is what attracted me to your thread. Different ways of using produce is always welcome. Like the look of that plum sauce . I have a basket full of plums and wasnt sure what to do with them. Does the sauce freeze? I thought I might have a go at pulled pork and use the sauce for that.

    Anyway I'm rambling. Good luck with the debt busting and frugality. Will be watching with interest. (None of my smiley faces are working)
    Make £10 a day challenge Jan/£215.84/ Feb £146.45/ Mar £192.55/Apr £171.20/ May £156.40/june £95.55/ Jul £383.85/Aug £211.60/Sep £282.35/Oct £62.74
    Walk 2000 miles in 2017....1452.69 miles
    • in need of direction
    • By in need of direction 15th Aug 17, 9:17 AM
    • 4,637 Posts
    • 26,046 Thanks
    in need of direction
    Smiley faces may not be working but the wine keeps apouring. Priorities sorted.
    Mortgage at 01.01.14 £119,481.83 today £79,993.50, target £75,000 by 31/12/17 Offset fund today £4,035.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 6/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • rtandon27
    • By rtandon27 15th Aug 17, 3:31 PM
    • 1,972 Posts
    • 12,102 Thanks
    rtandon27
    Pips - well done with dropping the lbs!!!

    Back on your last thread you'd asked about cheese stores in them here parts & I'd forgotten to give you an update...

    We are slowly depleting the cheese stores - freezer drawer down to the last of the Xmas buys - still three wedges of Stilton, several pieces of wensleydale with assorted 'stuff' in it, a round of reblochon for tartiflette when it gets colder and a brie inherited from work after a fancy meeting - other than that we keep a bag of shredded general purpose cheddar for cooking & melting...

    ...as we avoid the shops as much as possible these days, our spends tend to be on no-name brands & just the basics delivered once a week... helps to avoid impulse spending and keeps the budget in check! (I live vicariously through your bargain buys!)

    Meals are also a lot simpler these days, as he who is now retired does most of the cooking - mostly consists of a protein, a starch and half a plate of something of the green variety
    Mine/Hers: May 2011£10835.33May 2016£4709.46Oct 2016£0
    Not Mine/His: June 2016£8175.38Oct 2016£0
    Grand Total£0
    PSST - WE ARE DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    • Kantankrus Mare
    • By Kantankrus Mare 15th Aug 17, 4:36 PM
    • 4,834 Posts
    • 11,178 Thanks
    Kantankrus Mare
    Smiley faces may not be working but the wine keeps apouring. Priorities sorted.
    Originally posted by in need of direction
    Oh yes.........but in MSE style I am currently making some homemade bramble wine and really must dig out the freezer for some long forgotten elderberries to do the same with.

    Ah smiley faces back.
    Make £10 a day challenge Jan/£215.84/ Feb £146.45/ Mar £192.55/Apr £171.20/ May £156.40/june £95.55/ Jul £383.85/Aug £211.60/Sep £282.35/Oct £62.74
    Walk 2000 miles in 2017....1452.69 miles
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