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    • Pippilongstocking
    • By Pippilongstocking 6th Aug 17, 2:21 PM
    • 14,844Posts
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    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 9
    • Pippilongstocking
    • By Pippilongstocking 5th Sep 17, 7:32 AM
    • 14,844 Posts
    • 97,509 Thanks
    Pippilongstocking
    Good luck to him beanie - its tough but worth it in my opinion. I loved my masters but it was hard work.

    Morning cherubs - just checked car MOT not due til 21st Oct so I've some extra spends to allocate as was keeping 450 for the car just in case.

    Tea was a feast of chinese dumplings (frozen and shop bought) but the prices compared to eating out are amazing so we have a wee selection - a braw tea it was.

    Nothing to report other than pitta for 25p on the way home and 2ltrs milk for 70p - dropped a chum at the bus station and called into M?S on the way home.

    Spoke to siblings on phone re parental - more tests required at least the hospital she's been referred to is world leading in both research and teaching - so she's in the best hands. Will know more later in the week.

    Quiet and early night, much needed.

    Raining here - quite mega - due to go off later but we'll see.

    Have a good un - will check in later

    Happy Tuesday folks.
    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
    :
    • EssexHebridean
    • By EssexHebridean 5th Sep 17, 12:42 PM
    • 8,147 Posts
    • 42,984 Thanks
    EssexHebridean
    Yuck to more parental tests - hope she's OK.

    Food sounds rather excellent though - and good plan to eat tasty chinesey stuff at home rather than eating out. 25p pitta breads also good - the Turkish supermarket just down from my work does them for 4 packs for £1 and they're lovely ones so I tend to default to those.

    that's amazing news about TRG too - and yes I can just imagine his chuffed little face! Well done him!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£632.77 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Pippilongstocking
    • By Pippilongstocking 5th Sep 17, 4:09 PM
    • 14,844 Posts
    • 97,509 Thanks
    Pippilongstocking
    Thanks chicken! Biospy next week - then find out what to do. Bit of a worry tbh.

    I do love a good pitta - well the plum fest today stripped us of plums! Wowser that was a lot of folks in for free plums, wind fall apples and rhubarb which is still producing madly here.

    Lunch was noodles from the work box and some dahl - quite a good combo.

    Planning all day today so garden steps are limited so far must make a big effort later.

    Having checked the MOT and done some sums - I think its only fair to pay off the card.

    SO I DID!

    One card utterly wiped out!

    Woop woop - bit of food processing to do at home later and need to progress my larder. Also need to do a wee tidy up as the cleaner comes tomorrow and I pay her to clean not tidy my messiness.

    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
    :
    • EssexHebridean
    • By EssexHebridean 5th Sep 17, 4:35 PM
    • 8,147 Posts
    • 42,984 Thanks
    EssexHebridean


    Get that signature amended lovely! Well done!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£632.77 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Cheery Daff
    • By Cheery Daff 5th Sep 17, 5:16 PM
    • 7,817 Posts
    • 37,828 Thanks
    Cheery Daff
    Ooh!!

    Well done you, most impressed!

    Fingers crossed for tests, most worrying time xxx
    Saved for house move: £16,000
    • beanielou
    • By beanielou 5th Sep 17, 7:19 PM
    • 48,525 Posts
    • 178,638 Thanks
    beanielou
    Wow.
    Go you
    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 5th Sep 17, 7:47 PM
    • 14,844 Posts
    • 97,509 Thanks
    Pippilongstocking
    Hey guys thanks on all counts - its my bad calendar keeping however that is to blame had I thought the MOT was due in Oct previously I'd have paid the card off asap at the start of the month.

    But blessed be those who check online for their MOT status and due date. Love the DLVA.

    Tonight has been a blessing of cooking - repurposing and preserving with a bit of grass cutting and beetroot harvesting thrown in for good measure.

    We have

    Dug some tatties and had mushy peas and chips for tea.
    Lifted all the beetroot and its now drying off before cooking

    I have mixed two random beefburgers and some sausage meat into meatballs and fried them off with HG veg in the garden to make a delish meatball dish for OH returning after biking. Be three portions in there if I get it done before he comes and decides it two.

    Pickled some courgettes in a sweet vinegar - sweetened it with maple syrup, and cut the courgettes into slices like a dill pickled cucumber and poured sweet vinegar over them. {Tried this at work on Friday, as boss lady over run with courgettes, from my veg box, MY BAD, invented them or read about them somewhere} anyhows they were delish as a wee nibble so I'm trying some.

    Pickled in sweet vinegar some whole small beets to see if I like them better.

    Frozen 2kg of tomatoes yellow and red.

    Potted up a wee treat box of toms for OH's lunch tomorrow.

    Stuck half a reduced leg of lamb in oven with garlic and rosemary and onion - will cook off and freeze it will make a quick 'roast' dinner sometime we're pushed.

    Lots more veg to process but I'm tired and have some tidying up to do.

    Pasta is a cooking for him getting back so I best get a wriggle on and portion up those 'notquitemeatballs' which taste ace.

    Reading some of 'The Green Kitchen' an article from the original set from the Times here. this one is all about paper towels.

    Its an interesting book I have to say. Nice stumble at the charity shop.

    Have a good un.
    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
    :
    • Cheery Daff
    • By Cheery Daff 5th Sep 17, 11:36 PM
    • 7,817 Posts
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    Cheery Daff
    Ooh, you've reminded me our MOT is due this month - it's the one car related thing that surprises me every year as it's at the opposite end of the year to tax, insurance etc. 21st I think. Hope nothing needs doing - still recovering from the shock of the £500 replacement injector jets or whatever they were

    (And I must remember to sort the windscreen wipers first as I KNOW the blade on one of them is going as I had to swap them round before I got on the motorway last week so the better one was in front of me )

    I had courgette for tea too
    Saved for house move: £16,000
    • EssexHebridean
    • By EssexHebridean 6th Sep 17, 10:51 AM
    • 8,147 Posts
    • 42,984 Thanks
    EssexHebridean
    Oh your food always sounds so amazing - thoroughly looking forward to coming and sampling it again! Also LOVE courgettes so might see about trying that sweet pickle idea - that sounds awesome.

    I've still got the rest of the bunch of Lil's Beetroot to use up so will have to come up with ideas for that as well - also got a bag of tatties that need feeding into the planner for next week....and some carrots that are starting to head towards soft. I can see some sort of layered veg bake on our horizon here in the very near future. Maybe layered up with chorizo or salami slices....Hmmmm....

    My MOT is November - 29th but I'll book the car in at the start of the month as always. Hoping that there will be enough in our car savings account to cover it - fingers crossed there. Well reminded by cheery to check it all over ahead of going in too - don't want it failing on irritating little things that I could have sorted ahead. Did check all 4 tyres on Friday though so know those are all OK!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£632.77 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Pippilongstocking
    • By Pippilongstocking 6th Sep 17, 5:34 PM
    • 14,844 Posts
    • 97,509 Thanks
    Pippilongstocking
    Oh sounds lush me dear just lush.

    Hello people - fantastic day at a conference about gardening with people who have complex additional needs - so enlightening and just a lovely wee project to visit and OH MY the food mainly from garden produce was amazing.

    I even tried courgette and onion quiche which was ace so I'll likely try that as a fritatta as I'm cutting down on my floury goods intake. Squash, coconut and chilli soup - DELISH - have asked for the recipe and met some thoroughly fabulous people.

    Did I mention I love my job. A bunch of lovely talented people happy to share and no poncy 'experts' anywhere.

    Great chat from their clinical psychologist about supporting vulnerable folks of all ages with horticulture project - just thoroughly enlightening.

    Car shared with two folks so must do a travel form when back in the garden tomorrow.

    Cleaner has been so the place is super squeaky lovely and she looked after the mutts too who had to stay home.

    Aside £30 petrol a NSD with a free lunch to boot - took loads of oatcakes with me in the car just in case lunch was rank but there you are it wasn't.

    EH thanks for the lovely tea comments - looks more like slop at this end but its tasty slop.

    Beetroot should be dry enough to get into the kitchen might sort that later.

    Money wise budget so far is as expected makes a change. Its cos of you lovely lot.

    Technology provided updates from both DD new flat is ace, and DS today who's just been skiing and seems to be fine.

    off to catch up on board and chores!

    Tea - hmm - lamb I guess with homegrown tatties and veg.
    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 Sep 17, 7:14 PM
    • 48,525 Posts
    • 178,638 Thanks
    beanielou
    Glad you had a good day
    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 7th Sep 17, 10:15 AM
    • 8,147 Posts
    • 42,984 Thanks
    EssexHebridean
    Your day sounds fabulous - great to be able to do stuff like that and swap ideas with thoroughly like-minded folks and all have a fantastic time doing it! Coming back with new foody ideas too just makes it even better!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£632.77 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • rtandon27
    • By rtandon27 11th Sep 17, 8:56 PM
    • 2,004 Posts
    • 12,390 Thanks
    rtandon27
    Hey Pips - it's quiet in your corner - hope all is well with you!
    ONE YEAR DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    • Pippilongstocking
    • By Pippilongstocking 12th Sep 17, 7:41 AM
    • 14,844 Posts
    • 97,509 Thanks
    Pippilongstocking
    Ey up - I has been (and am currently) sick - plumbing problems. and I do hate to take anti-b's so my system is all upside down.

    On the plus side free prescriptions very mse - on the down side OUCHY.

    Was booked to go on an adventure last weekend which we did and it was lovely I paid one night £60 and OH paid the OMG bargain which was a bit more expensive but amazing. (Should have been 240/night, got for 100).

    Final weekend flinglet as msc now started. Must update spends and all that stuff.

    *mini rant alert*
    We have been offered a 'Free' session of 8 weeks mindfulness at work, 2 hours a session. Which is great - except when you're in the fray of it all and thinking of how much money is standing in the room - its incredibly difficult to be mindful.

    I wonder how many folks would go after work - it would suit me better but sometimes my inner pragmatist won't stop and having counted up the collective {charity} wages (never mind the non done tasks) I just got increbily angry.

    Hardly mindful. I know I've got lots on my mind and I'm hardly in the best mood but its difficult to see how to sustain such actions. And, if we did a straw poll I wonder apart from me who would actually do this out of work, still for free.

    Yours grumpymcgrumpypants.
    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
    :
    • EssexHebridean
    • By EssexHebridean 12th Sep 17, 11:53 AM
    • 8,147 Posts
    • 42,984 Thanks
    EssexHebridean
    to you being poorly Missus - that's not good. to great weekends aventurising though - from your pics it looked fab!

    Absolutely get your frustration on the mindfullness thing - does seem a bit daft for an organisation like yours doesn't it! Is there an expectation to attend or can you minimise your stress levels ongoing by smiling and saying that you feel your time would be better used elsewhere?
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£632.77 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • apple muncher
    • By apple muncher 12th Sep 17, 12:26 PM
    • 6,543 Posts
    • 47,866 Thanks
    apple muncher
    Get well soon xx
    NST November #; NSD 13/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • rtandon27
    • By rtandon27 12th Sep 17, 5:35 PM
    • 2,004 Posts
    • 12,390 Thanks
    rtandon27
    awwwww - sorry you are poorly - feel better soon!
    ONE YEAR DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    • beanielou
    • By beanielou 12th Sep 17, 5:35 PM
    • 48,525 Posts
    • 178,638 Thanks
    beanielou
    Take care xx
    Wonder what box your work want to tick
    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***
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 12th Sep 17, 6:28 PM
    • 585 Posts
    • 2,234 Thanks
    wishingthemortgaheaway
    I get your frustration about the mindfulness, it maybe they see it as an investment. Lay out now = happier, more productive workers who have take less time off sick.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • apple muncher
    • By apple muncher 12th Sep 17, 8:25 PM
    • 6,543 Posts
    • 47,866 Thanks
    apple muncher
    2 hours is an awfully long time to be mindful! I can hardly manage 2 minutes without my brain whizzing off somewhere else!
    NST November #; NSD 13/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
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