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  • FIRST POST
    • Pippilongstocking
    • By Pippilongstocking 6th Aug 17, 2:21 PM
    • 14,949Posts
    • 98,575Thanks
    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 !!!8211; BE DEBT FREE
    2 !!!8211; 50 random acts of kindness 2/50
    3 - Have a pedicure
    4 - Miso making - learn to make my own miso
    5 !!!8211; 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 !!!8211; Have a henna tattoo
    8 - Charity shop bonanza !!!8211; 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!!!8217;ve always wanted to
    11 - Visit a garden show
    12 !!!8211; 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 !!!8211; 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 !!!8211; Have a family photo taken
    20 !!!8211; Grow a spice cupboard (ginger, turmeric, etc etc) why not tumeric planted
    21 !!!8211; Have a ski lesson
    22 !!!8211; Walk the Water of Leith
    23 !!!8211; See a mentor speak
    24 !!!8211; Have a !!!8216;mate date!!!8217; once a month and find something ridiculous to do for free 1/12
    25 !!!8211; Go to an online chum meet up and/or meet up with online chums 1/many I hope
    26 !!!8211; Visit my favourite people at least once this year, no excuses 3 faves visited since this list.
    27 !!!8211; Make a vegetarian meal at least once a week started 5/10/17
    28 !!!8211; Print photos of the family and adventures and frame them
    29 !!!8211; Make a new memory heart quilt !!!8211; the kids each have one as does DH but not me
    30 !!!8211; Float in the sea in a rubber ring with gay abandon
    31 !!!8211; Restart my blog !!!8211; I miss writing
    32 - Make a hat
    33 !!!8211; Start a recipe book for myself
    34 !!!8211; Make a proper pantry
    35 !!!8211; Find somewhere to volunteer
    36 !!!8211; Take a photo every day for a year to capture something special
    37 !!!8211; Try a dance class or Zumba
    38 !!!8211; Try an alternative therapy
    39 !!!8211; Wear a beautiful frock to an event
    40 !!!8211; Have afternoon tea in the garden with a friend
    41 !!!8211; Have singing lesson or join a local choir
    42 - BBQ on the beach
    43 !!!8211; At least one trip with us all and one weekend with us all at home, or just ONE night
    44 !!!8211; Go to a costume party
    45 !!!8211; Grow as much of my own food and cordial as I can
    46 !!!8211; Get chickens (again)
    47 !!!8211; Eat at some crazy hidden restaurants for as frugal as possible
    48 !!!8211; Have a picnic
    49 !!!8211; Take a long train journey
    50 !!!8211; 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/£0, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/1725.27
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40 Total 22/12 4025.27 PAID OFF £1730.13 1/3/18 Total £37025.27 £2030.13 paid off
    :
Page 16
    • beanielou
    • By beanielou 13th Nov 17, 4:12 PM
    • 50,616 Posts
    • 193,740 Thanks
    beanielou
    Hope all well with you & yours.
    Take care.
    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***
    • UncannyScot
    • By UncannyScot 7th Dec 17, 11:02 AM
    • 1,156 Posts
    • 7,048 Thanks
    UncannyScot
    Thinking of you and yours
    Hope all is well
    (((((HUGS)))))
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • beanielou
    • By beanielou 7th Dec 17, 11:42 AM
    • 50,616 Posts
    • 193,740 Thanks
    beanielou
    How are things in these very windy lands?
    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***
    • EssexHebridean
    • By EssexHebridean 11th Dec 17, 8:39 PM
    • 8,479 Posts
    • 45,259 Thanks
    EssexHebridean
    Check-in on behalf of the Stripey one. Thinking of everyone but lots going on at the moment and a bit too "full up" of stuff to manage to get in here as well. She will be back and sends a wave!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£842.87 (12/02/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • WannabeFree
    • By WannabeFree 11th Dec 17, 8:59 PM
    • 1,102 Posts
    • 9,060 Thanks
    WannabeFree
    Sends a wave back..

    Stay warm x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 11th Dec 17, 9:31 PM
    • 50,616 Posts
    • 193,740 Thanks
    beanielou
    Thanks EH for keeping us updated
    You are a wee star.
    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***
    • rtandon27
    • By rtandon27 12th Dec 17, 1:38 PM
    • 2,082 Posts
    • 13,093 Thanks
    rtandon27
    Virtual Kettle on & the fire kept burning waiting for your return Pips! In the meantime anyone up for a Nanaimo Bar or Butter Tart?!?
    ONE YEAR DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    • EssexHebridean
    • By EssexHebridean 13th Dec 17, 11:43 AM
    • 8,479 Posts
    • 45,259 Thanks
    EssexHebridean
    Oh now you're talking RT...I'll contribute some cheese to keep everyone going.

    *edit* OK butter tarts look and sound incredible! I knew about nanaimo bars already as a pal makes them for a living!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£842.87 (12/02/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • troglodyte
    • By troglodyte 14th Dec 17, 7:54 AM
    • 626 Posts
    • 3,832 Thanks
    troglodyte
    Ooh a virtual party! I can bring some Florentines!


    RT not heard of Nanaimo bars before, but a friend always makes us some butter tarts and they are yummy!
    • Pippilongstocking
    • By Pippilongstocking 15th Dec 17, 12:48 PM
    • 14,949 Posts
    • 98,575 Thanks
    Pippilongstocking
    Hey there chaps I really appreciate the patience and the support.

    Lifes been a bit full on crackers here. The wee ma patient is responding well to the treatment but is a little further along the path than we thought - so all those kind thoughts are very very gratefully received. We're doing what we can to help. Beanie she got that payment sorted and a bright blue badge - so thank you for the prompt there. x

    The elder pup has had some routines tests and appears that he's got a late stage degenerative disease (as well as a wonky knee now) so we've had a shareful of vet action this month that has equated to almost my entire salary. He's comfortable, but his coat is on a shoogly peg as we say round these parts - so he's with me all of the time the now - and quite heavily medicated. But, he's from the northern isles so very stubborn. We'll just see how comfy we can keep him.

    So spends on fuel and spends on vets have been eyewatering - which means a keen eye on the cupboards and eating a lot out of the freezer.

    I've taken some time off today as my holidays run out at end of year and I have had too many to take. Today I've reactived the credit card - I know its not a solution but its getting uber tight the now.

    We've a holiday soon and thankfully its all paid for - aside some spends - which I did put some by for.

    I hope you're all well - thanks for keeping the patch warm.

    Off to check banks and update spends on my spreadsheet I think petrol iis double its normal - but food spends are down. We don't buy xmas pressies so its not too crazy a month aside vet bills.

    All the rest of the family is fine so that's a blessing and the cupboards are groaning so we are so much luckier than folks in so many ways. I know that for sure.



    So I've just butchered a gifted crown prince squash and have some a souping and some a roastign and with the quarter I had left I wondered about making a 'pumpkin' pie - although all the recipes I've seen start with 'open a can of pumpkin puree'.......must look more on - kitchen smells lush though.

    Some random reduced pork chops and some puff pastry (30p) have been repurposed into sausage rolls for lunches. Kitchen is cosy.

    Also picked up a half a car of free wood from brothers job - need to get that stacked.
    Last edited by Pippilongstocking; 15-12-2017 at 12:54 PM.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/1725.27
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40 Total 22/12 4025.27 PAID OFF £1730.13 1/3/18 Total £37025.27 £2030.13 paid off
    :
    • Pippilongstocking
    • By Pippilongstocking 15th Dec 17, 1:12 PM
    • 14,949 Posts
    • 98,575 Thanks
    Pippilongstocking
    Card update one is at zero the other is a at £2015
    Both OD's are just as they were - although I was trying pay them off right now I'm just muddling through. Although I have 500 left in the main overdraft I'll likely spend that before pay day - but I hope not all the bills are off and I've paid small amounts to the bigger CC just over the minimum - but not put anything new on any cards this month.

    I'll see what I can put towards debt extra - I owe DH £100 to finally pay of holibub but he's not fretting about that atm.

    We probably need more oil - I'm guessing its false economy to leave that til Jan as its a 5 week month - we're not using much and I've just inherited a half share in a calor gas fire to help take the chill off when the stoves aren't on.

    SO debt the now is at 4015 approximately. Its down slightly but not much.

    We've spent less than £24/£200 on food this month so far - mainly milk, dog food and the odd reduced thing.

    Still accessing a lot of free fruit and veg from work and picking way through the freezer. All our lunches have been HM and the best part of rest of the meals have been HM too unless out over in the land of Marmalade.

    Its not as bad as I feared but its not the progress I hoped for before the goal posts changed. Must do a meal plan.
    Last edited by Pippilongstocking; 15-12-2017 at 1:15 PM.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/1725.27
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40 Total 22/12 4025.27 PAID OFF £1730.13 1/3/18 Total £37025.27 £2030.13 paid off
    :
    • beanielou
    • By beanielou 15th Dec 17, 7:00 PM
    • 50,616 Posts
    • 193,740 Thanks
    beanielou
    Amazed the debt is down at all.
    Awesome.
    TAke care of you xx
    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***
    • rtandon27
    • By rtandon27 15th Dec 17, 7:52 PM
    • 2,082 Posts
    • 13,093 Thanks
    rtandon27
    Pips hunny - you are doing amazingly well! - with everything on your plate, you have still brought the debt down and proved to us all that good habits are what keep you ticking during tough times! xoxox
    ONE YEAR DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    • Greying Pilgrim
    • By Greying Pilgrim 15th Dec 17, 7:56 PM
    • 4,098 Posts
    • 45,601 Thanks
    Greying Pilgrim
    with everything on your plate, you have still brought the debt down and proved to us all that good habits are what keep you ticking during tough times! xoxox
    Originally posted by rtandon27
    Seconded.

    Stay awesome Pipster

    Greying X
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • UncannyScot
    • By UncannyScot 15th Dec 17, 8:02 PM
    • 1,156 Posts
    • 7,048 Thanks
    UncannyScot
    Seconded.

    Stay awesome Pipster

    Greying X
    Originally posted by Greying Pilgrim
    Thirded...

    Awesome you is
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Pippilongstocking
    • By Pippilongstocking 17th Dec 17, 9:23 PM
    • 14,949 Posts
    • 98,575 Thanks
    Pippilongstocking
    Aw thanks guys that's very kind its only down by a smidge but its not up I guess. I really appreciate all your lovely kind words (and virtual baking).

    Worked yesterday to keep topping up my TOIL for unexpected visits to the hoppytal and the furry hoppytal. Had work night out but that was paid ages back.

    Had to clean out the fridge at work so a small food profit home and frozen as we're pretty strict on food dates for vols.

    No food spends over weekend - cooked up ginormuous pumpkin as one of colleagues is birthdaying tomorrow so made a communal pot of (vegan) soup. We are all bringing in one goody food item for him to make him a wee chrissy/birthday hamper as he's on his own. I've raided my larder I have to be honest and found some tasty treats there.

    Petrol £30 that's been the spends for the now. MIL here for weekend so DH looked after her - I was working (wreath workshop - very jolly).

    Happy weekend folks and thank you. All quiet on the mother and mutt front. Thankfully.

    xxx
    Last edited by Pippilongstocking; 17-12-2017 at 9:28 PM.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/1725.27
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40 Total 22/12 4025.27 PAID OFF £1730.13 1/3/18 Total £37025.27 £2030.13 paid off
    :
    • EssexHebridean
    • By EssexHebridean 19th Dec 17, 12:09 PM
    • 8,479 Posts
    • 45,259 Thanks
    EssexHebridean
    Ahh if your colleague with the birthday is the one I presume it is then say HB from me to him! Such a nice chap he is and it's so great that he's got a role he clearly loves so much!

    Entirely get your working the weekend in the circumstances!

    Elder Hound will definitely be a fighter - stubborn wee lad he is.

    And as for defeating the debt even a smidge this month - super awesome - just LOOK at how much extra you've had to spend, and STILL you're at that point, You really are super-incredible. xx
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£842.87 (12/02/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • starnac
    • By starnac 21st Dec 17, 4:47 PM
    • 5,237 Posts
    • 24,574 Thanks
    starnac
    Pippi, I honestly don't know how you do it. You are superwoman in my eyes. Lots of cwtches for you and Peedie Dog.
    Savings £0
    Shopping £24.82/£200
    Overpayments made £0
    Make £2018 in 2018 #70 £5/£2018
    • EssexHebridean
    • By EssexHebridean 21st Dec 17, 8:57 PM
    • 8,479 Posts
    • 45,259 Thanks
    EssexHebridean
    Pippi, I honestly don't know how you do it. You are superwoman in my eyes. Lots of cwtches for you and Peedie Dog.
    Originally posted by starnac
    Yep - I'll second that. All of it.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£842.87 (12/02/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Pippilongstocking
    • By Pippilongstocking 22nd Dec 17, 10:42 AM
    • 14,949 Posts
    • 98,575 Thanks
    Pippilongstocking
    Well good morning aren't you guys very very kind.

    I am so grateful for the community on here.

    Yes EH the same chap who was long term unemployed and now is very much 'in the body of the kirk' at work, he's an utter gem. We had a mix and match lunch of vegan pumpkin soup, and a 'use up the work fridge' extraveganza it was just lush.

    We made the fella a wee hamper of delights from our cupboards and everyone popped a wee something in - he was utterly delighted, he loves to cook that fella. Made me feel all warm and cosy inside. Probably the chilli in the soup.

    Free pumpkin has been half used and the other half now frozen - even our young apprentices had two cups so it couldn't have been that bad and it fed everyone the next day. Amazing what you can do with half a pumpkin, a bit of bendy celery and a dodgy looking chilli. Add a dollop of coconut powder and mega transformation.

    Starnac I hope you and yours are grand! Miss those wee cherubs. Give them a cwitch back from me. xxx I'll wave as we fly over your lands tomorrow.

    Well its start of the housekeeping month day here.

    I have been preoccupied all week with sorting bits out for the trip away. I know how to live eh - packing loo rolls and small bits of stock cubes/soup/porridge etc into little bags and stowing them in the suitcase.



    I had a wee think to myself and I'm not feeling very adventuretastic at the moment with the list and everything that's going on, so I'm going to PAUSE this diary.

    Yes PAUSE - I'm needing to really focus in on the daily routines and spends so no real adventure planning - they'll happen when they do.

    I'm honestly needing to really really rope in any additional spending as the unexpected bit of spends (extra travel/etc, furry hospital bills and ongoing meds) need to be accommodated through real thought and a bit of a shift in mindset for me. I know I'm doing OK, but I have the MSE skills to be doing so much better I think.

    Off to hit the new diary button I think, I know I'm a bit flibbertygibberty but please do indulge me.

    XOXOXOXOXOXO
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/1725.27
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40 Total 22/12 4025.27 PAID OFF £1730.13 1/3/18 Total £37025.27 £2030.13 paid off
    :
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