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  • FIRST POST
    • dustydigger
    • By dustydigger 21st Jan 18, 5:47 PM
    • 115Posts
    • 593Thanks
    dustydigger
    Dusty's Frugal Fortnights
    • #1
    • 21st Jan 18, 5:47 PM
    Dusty's Frugal Fortnights 21st Jan 18 at 5:47 PM
    I love MSE,so much wisdom and practical advice for someone seeking to improve not just finances but the quality of life. However it is surely a time eater,and being frugal with my time is certainly a high priority on my agenda! I spend way to much time online these days,and frequenting MSE has added another hour to the total!
    So I thought it wiser for now to have a diary where I can post my thoughts and plans,rather than posting - however much fun it is - on lots of threads.
    I will be 70 end of this month,Mr Dusty is 79. We live on the guaranteed minimum income pension,and need to live frugally,because with 4 children,5 granddaughters,a great granddaughter with a great grandson due in March,plus various partners making a grand total of 13 people to buy for at Xmas and birthdays I definitely need to keep control of my finances. Plus of course saving for household needs,and all the normal expenses of running a home.
    For years there was always at least one child in dire financial straits,but things thankfully have stabilized,they have jobs and are settled,and at last I can get my finances firmly under control.I have one more argos payment and then I am totally debt free
    I have my bills on direct debit,and this month have set up several bank accounts for different purpose,and am starting this new year with eagerness for once (more later on various woes).Mr Dusty saves for himself,but he has family in Africa where life is extremely hard and he has constant drains on his finances.All the bills and running the house come out of my part of our income,and we arrange our affairs on a fortnightly basis. I hope keeping track of all my affairs in a mindful manner will lead to a feeling of financial security and stability - and its quite fun too challenging myself to live in a frugal way. A new fortnight starts tomorrow
    I also hope to add posts about decluttering and organizing the home,about my Slimming World continuing challenges,recycling,and also about the Sealed Pot challenge etc,and anything really that comes into my head!
    Looking forward to improving many parts of my life!
    see you sometime tomorrow
    Last edited by dustydigger; 27-01-2018 at 7:05 PM.

    SPC 2018 - No. 012 -
    £2 Coin Savers 2018 #19 - £48
    House and Home Fund 2018 - £80 (plus £174 from 2017 = £254)
    SW loss - 3 st 12 lbs AF in Feb - 13/24days Books read 10/15

Page 4
    • try harder
    • By try harder 6th Feb 18, 6:18 AM
    • 666 Posts
    • 2,462 Thanks
    try harder
    Its so hard as you say with all these different opinions regarding weight and health ,i have always just eaten as healthy as possible ,i tend to follow the likes of Adele Davis ,Gayelord Hauser from years ago to me eating really healthy is the most important thing and if you can cut out all sugar ..very difficult i know and sometimes you have to have a little treat or in my case sometimes a big treat but on the whole if i eat no sugar and keep to my very healthy way of eating i feel happy ,there is nothing that i cut out really other than the sugar and bad fats otherwise i eat every thing else but must say i do eat mainly fruit which you cant have too much of now sadly and tons of vegetables ,seeds ,nuts and oily fish .Personally i find if i dont eat the sugar i always feel satisfied .It sounds like you are doing brilliantly though doing exactly what you are doing and incredible weight loss well done and i think myself one pound a week loss is exactly right .By the way your meals sound absolutely yummy .
    • dustydigger
    • By dustydigger 6th Feb 18, 6:49 PM
    • 115 Posts
    • 593 Thanks
    dustydigger
    Didnt go to SW this afternoon,it was snowing! Going there a bus puts me off quite near the hall,but coming home is about 200 yards down a rather steep hill,poorly lit in the dark,then I would have to wait ages for a bus home.So I'll go on Thursday a.m.My scales show a 2-3 lb gain for this week.Oops.Enjoyed my birthday week anyway,so onwards and downwards!
    Exercise wise,yesterday I walked past several bus stops rather than stand waiting for the bus,then did shopping and humped 2 bags of shopping. Plus the 200 yards walk home after getting off the bus,so I would count that as a Body Magic session,dont you think?Am starting BM at the lowest level but any exercise after 4 years indoors is so wonderful. PIty about the horrible weather though
    So busy with Mr Dusty and chores today I have spent very little time online or reading.Did watch with horrid fascination an episode of ''Hoarders''. Boy does that programme encourage me to tidy up a bit!But its hard when you live with a lifelong pack-rat who NEVER EVER throws anything away
    Just called in for a moment before going off to poach salmon in milk and using the stock as a base for his ubiquitous peanut butter sauce for Mr Dusty's supper. I am just going to have a small salad with a tin of sardines on the side for my oily fish fix.Quick and easy,as I get tired of cooking
    Then perhaps I'll get some reading done,still only 1/12 books finished for this month!

    SPC 2018 - No. 012 -
    £2 Coin Savers 2018 #19 - £48
    House and Home Fund 2018 - £80 (plus £174 from 2017 = £254)
    SW loss - 3 st 12 lbs AF in Feb - 13/24days Books read 10/15

    • beanielou
    • By beanielou 6th Feb 18, 6:59 PM
    • 50,555 Posts
    • 193,317 Thanks
    beanielou
    Well done on the BM.
    Good luck with weigh in on Thursday.
    I WI on a Thursday too.
    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***
    • dustydigger
    • By dustydigger 9th Feb 18, 12:43 PM
    • 115 Posts
    • 593 Thanks
    dustydigger
    Well done on the BM.
    Good luck with weigh in on Thursday.
    I WI on a Thursday too.
    Originally posted by beanielou
    Was very relieved to only put on half a pound at weigh-in Thursday.Worked very hard to shake off a lot of weight and bloat over those 3 days
    Having an awful lot of stress in RL at the moment and its a mighty struggle not to fall back into old comfort eating/alcohol mode.
    Mr Dusty has a court case back in Africa,a nightmare that has been rumbling on for 5 years,and suddenly the magistrate is to give the verdict. It was to have been about 2-3 months away they have brought the date forward to 23rd Feb. Less than 5 weeks to arrange his trip - tickets,visas,financial arrangements for my money while he's away,inoculations,arranging to order double medications to take with him while he's away, packing.......the list is endless.Then cost of antimalarial tablets is horrendous,around £2-3 a tablet.Even trying to send money abroad is a stumbling block,as Western Union's machines werent working yesterday.Poor Mr Dusty is so stressed,he expected to have a much longer period to prepare.All we have had for years with the case is constant delays and postponements,so now at the last minute they bring things forward. You couldnt make it up
    All that was bad enough but we had upsetting news today which is much more worrying My granddaughter is 35 weeks pregnant. Her first baby was small,so they have been monitoring her regularly this time. Everything seemed reasonable though the baby is small,but this month there is no growth at all,the baby is well behind normal levels. Docs are worried the baby isnt getting nutrients,so they are doing more tests and scans on Monday,and may have to induce labour as getting nutrients into a small new born baby will be possible,whereas they say there is a possibility of a stillbirth if things go on this way.They will probably induce labour next week.The only ray of hope is that the baby is very active,so maybe it will turn out to be just a very small baby after all. We can but wait and pray
    Last edited by dustydigger; 09-02-2018 at 1:26 PM.

    SPC 2018 - No. 012 -
    £2 Coin Savers 2018 #19 - £48
    House and Home Fund 2018 - £80 (plus £174 from 2017 = £254)
    SW loss - 3 st 12 lbs AF in Feb - 13/24days Books read 10/15

    • beanielou
    • By beanielou 9th Feb 18, 3:43 PM
    • 50,555 Posts
    • 193,317 Thanks
    beanielou
    Oh dear, so sorry that it all seems to be happening.
    Hope all comes well.
    Sending lots of positive vibes your way.
    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***
    • Sayschezza
    • By Sayschezza 9th Feb 18, 6:07 PM
    • 215 Posts
    • 2,040 Thanks
    Sayschezza
    Fingers crossed it all works out ok. What a worry for you.
    • dustydigger
    • By dustydigger 9th Feb 18, 9:14 PM
    • 115 Posts
    • 593 Thanks
    dustydigger
    Oh dear, so sorry that it all seems to be happening.
    Hope all comes well.
    Sending lots of positive vibes your way.
    TAke care.
    Originally posted by beanielou
    Thanks beanie lou for your kind words

    SPC 2018 - No. 012 -
    £2 Coin Savers 2018 #19 - £48
    House and Home Fund 2018 - £80 (plus £174 from 2017 = £254)
    SW loss - 3 st 12 lbs AF in Feb - 13/24days Books read 10/15

    • dustydigger
    • By dustydigger 9th Feb 18, 9:35 PM
    • 115 Posts
    • 593 Thanks
    dustydigger
    Fingers crossed it all works out ok. What a worry for you.
    Originally posted by Sayschezza
    Thanks Sayschezza!

    To end a nightmare of a day I was locked out of MSE this evening have tried fruitlessly to get on,and in the end had to enter a new password as I couldnt even get on the home page.had to think up a new password,another one to remember for my old brainand Firefox were warning me of insecurity,so I hope its all OK.
    What a day,will try to get back on track tomorrow.
    Now have £254 in the House & Home fund in the credit union. Thats the money ready for a new oven if it suddenly breaks down.Ready to start saving now for paint to decorate kitchen and living room
    Nothing in my pots today,but at least I have now got 3 completed books reads for the month to my credit .3/12 .
    5 AF days ,so far,was a real struggle to keep today clear but I persevered!
    As Scarlett said,''Tomorrow is another day.''

    SPC 2018 - No. 012 -
    £2 Coin Savers 2018 #19 - £48
    House and Home Fund 2018 - £80 (plus £174 from 2017 = £254)
    SW loss - 3 st 12 lbs AF in Feb - 13/24days Books read 10/15

    • beanielou
    • By beanielou 9th Feb 18, 9:42 PM
    • 50,555 Posts
    • 193,317 Thanks
    beanielou
    You credit union savings are just fab.

    What colours are you thinking for the paint?
    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***
    • SuperMoose
    • By SuperMoose 9th Feb 18, 9:49 PM
    • 67 Posts
    • 166 Thanks
    SuperMoose
    Hello

    Everyone has been asked to change their password.
    Thread here:
    http://forums.moneysavingexpert.com/showthread.php?t=5791325

    Hope all goes well for Mr Dusty and your grandaughter
    • lonelyrat
    • By lonelyrat 9th Feb 18, 10:20 PM
    • 99 Posts
    • 311 Thanks
    lonelyrat
    Hey Dusty - sorry I haven't checked in for a bit. Well done on not gaining loads at your weigh in! Considering it was your birthday I feel you did very, very well

    So sorry to hear about your Granddaughter and her baby. I will keep my fingers crossed that everything is OK. My parents were pregnant before I came along and unfortunately the baby was stillborn and neither of them really got over it. It's just so very sad, I hope things go well.

    Sounds a bit of a mad panic for Mr. Dusty's trip but I'm sure he'll be prepared in the end! Maybe when he's gone you can stop having to search in Aldi for the peanut butter for a bit?!
    Total Debt: 2602.81 / 7203.13
    Outstanding Debt: Santander CC 1650 - Virgin CC 750 - RBS Loan 102.81 - Very BNPL 100
    2018 Savings: 175/ 2500
    • dustydigger
    • By dustydigger 10th Feb 18, 9:03 AM
    • 115 Posts
    • 593 Thanks
    dustydigger
    Hello

    Everyone has been asked to change their password.
    Thread here:
    http://forums.moneysavingexpert.com/showthread.php?t=5791325

    Hope all goes well for Mr Dusty and your grandaughter
    Originally posted by SuperMoose
    thanks! And thanks for the thread about updating. Bit ridiculous telling us AFTER we have had all the panic and hassle with no way of getting on site !Its certainly a bit strange.
    Its a pain now coming on here as first of all Firefox warns me this is an insecure site that I shouldnt use for safety reasons and proposes to allow me to enter just this once.Immediately I agree my IP pops up and asks me to reconnect myself to the internet,and I have to go through 4 tedious steps to do so. Very annoying And then when I FINALLY get here I have to put in my username and new password once again. Not a happy camper to say the least.My IP is TalkTalk who got stung a few years ago when they were hacked and are now a bit sensitive!We also had great inconvenience in 2017 when Yahoo were hacked and passwords and accounts there had to be sorted and verified.
    Got to wonder just what the IT departments of some of these big companies are doing.So many warnings from the news of hacking of insecure sites but they dont seem to bother strengthening themselves before disaster strikes,instead of after catastrophe! Look at the mess caused for the NHS last year

    SPC 2018 - No. 012 -
    £2 Coin Savers 2018 #19 - £48
    House and Home Fund 2018 - £80 (plus £174 from 2017 = £254)
    SW loss - 3 st 12 lbs AF in Feb - 13/24days Books read 10/15

    • dustydigger
    • By dustydigger 10th Feb 18, 11:02 AM
    • 115 Posts
    • 593 Thanks
    dustydigger
    Hey Dusty - sorry I haven't checked in for a bit. Well done on not gaining loads at your weigh in! Considering it was your birthday I feel you did very, very well

    So sorry to hear about your Granddaughter and her baby. I will keep my fingers crossed that everything is OK. My parents were pregnant before I came along and unfortunately the baby was stillborn and neither of them really got over it. It's just so very sad, I hope things go well.

    Sounds a bit of a mad panic for Mr. Dusty's trip but I'm sure he'll be prepared in the end! Maybe when he's gone you can stop having to search in Aldi for the peanut butter for a bit?!
    Originally posted by lonelyrat
    Good to hear from you,Lonelyrat,thanks for your thoughts.
    I went to the SW class near Aldi on Thursday,and naturally I popped in and managed to get 3 jars with blue lids hidden away in a sea of orange lids

    SPC 2018 - No. 012 -
    £2 Coin Savers 2018 #19 - £48
    House and Home Fund 2018 - £80 (plus £174 from 2017 = £254)
    SW loss - 3 st 12 lbs AF in Feb - 13/24days Books read 10/15

    • dustydigger
    • By dustydigger 10th Feb 18, 11:21 AM
    • 115 Posts
    • 593 Thanks
    dustydigger
    Ooh! Just noticed I got my 100 posts ''badge''.Next one is 1000,so that may take some time!
    And look at beanie lou! Can never catch up with that.Wonder if she just stays on site during all waking hours?

    Was very much amused to see this among the easter smilies.Easter is early this year,end of March so I am already thinking about putting money aside for the grandkids easter eggs,but will I be able to resist buying one for myself? This graphic certainly strikes a chord with me,as I actually saw some chocolate bunnies in Aldi's and was strongly tempted to get one. But I resisted!


    SPC 2018 - No. 012 -
    £2 Coin Savers 2018 #19 - £48
    House and Home Fund 2018 - £80 (plus £174 from 2017 = £254)
    SW loss - 3 st 12 lbs AF in Feb - 13/24days Books read 10/15

    • dustydigger
    • By dustydigger 10th Feb 18, 11:45 AM
    • 115 Posts
    • 593 Thanks
    dustydigger
    [QUOTE=beanielou;73857960

    What colours are you thinking for the paint?[/QUOTE]

    My curtains are yellow in the kitchen so Iwas thinking of a nice soft pale yellow.I have a creamy sort of colour at the moment,but it lacks a bit of zing. The kitchen faces south and gets loads of sunshine (well,whenever it does decide to shine that is) so I think it will be cheerful
    The sitting room however faces north and is a bit dark. We just used magnolia last time,and its a bit dull,but in the bedrooms we have a lighter shade,called soft linen,more of a light warm cream and its will be much lighter and brighter than the magnolia.
    Sorry to say I have never taken to the fashion for dark grey or purple walls which has been around a while.Not suitable for a dark room

    Oh $%"& or words to that effect. A bird has just delivered a huge load of bird poop all down my sitting room window,must be 9 inches long and 2 wide. naturally the window cleaner just did the window a few days ago. I'm off to remove it before it sets

    must have been a very large bird,or very incontinent!Yuck!

    SPC 2018 - No. 012 -
    £2 Coin Savers 2018 #19 - £48
    House and Home Fund 2018 - £80 (plus £174 from 2017 = £254)
    SW loss - 3 st 12 lbs AF in Feb - 13/24days Books read 10/15

    • beanielou
    • By beanielou 10th Feb 18, 2:35 PM
    • 50,555 Posts
    • 193,317 Thanks
    beanielou
    Your paint choices sound good
    I like the light greys and have it in my sitting room & my hall.

    Remember I have been a MSE regular for 13 years this month.
    Some users have over 200,000 posts!!
    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***
    • dustydigger
    • By dustydigger 13th Feb 18, 11:53 AM
    • 115 Posts
    • 593 Thanks
    dustydigger

    We had a really nervous and anxious weekend,but yesterday afternoon they scanned and tested my granddaughter and the baby seems OK for now,they wont induce yet,but will be doing another scan on Friday as they are still a bit wary. But everyday gives more chance for the baby to grow bigger and stronger and be nearer safety.
    I couldnt settle to anything and didnt come online. I didnt want to discuss the situation in advance in case I jinxed it!
    I know thats ridiculous really,but who thinks really rationally in such situations?
    The malaria meds have arrived just this morning from America,so thats one thing sorted. But we are still having problems with our regular order for Mr Dusty. What a carry on over wanting 2 bottles of eye drops instead of one. We keep phoning and get a new person every time who knows nothing and says they will have to start the process once again.
    No savings this week,but over the weekend I escaped from worry into books and increased my tally of books read this month to 8.
    Also managed to curb the urge for alcohol despite great provocation,and that makes 8 AF days since my birthday celebrations. Will try to stay AF till after the HbA1c test probably end of March.
    Once we get Mr Dusty off on his trip I can hopefully get back on track with all the things I have been intending to do
    Should go to SW later today but the weather is horrendous,torrential rain and icy cold wind making it feel below zero.No way do I want to face that 200 yard trek downhill in the dark then wait 15 minutes for a bus! I'll go on Thursday morning to the group in town. Hopefully I will have maintained and not put on but its been a stressful week and I havent been able to focus on food issues at all.

    SPC 2018 - No. 012 -
    £2 Coin Savers 2018 #19 - £48
    House and Home Fund 2018 - £80 (plus £174 from 2017 = £254)
    SW loss - 3 st 12 lbs AF in Feb - 13/24days Books read 10/15

    • beanielou
    • By beanielou 13th Feb 18, 7:29 PM
    • 50,555 Posts
    • 193,317 Thanks
    beanielou
    So glad that the baby is ok for now.
    Don't blame you for not going to SW tonight.
    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***
    • dustydigger
    • By dustydigger 14th Feb 18, 9:43 AM
    • 115 Posts
    • 593 Thanks
    dustydigger
    Grr,another password expiry. I couldnt remember what I had changed my password to so had to go through all the rigmarole of asking for a new password,going over to my email etc etc.Mistook the letter ''O'' as a zero and couldnt get the password to work,cue several attempts before realizing it was a letter not a number before I could get it to finally work What a nuisance,after a mere 5 days. This is NOT the way to be user-friendly,is it?
    have totally forgotten what I actually intended to say and have used up my time anyway so I'll come on again tonight.
    It is absolutely freezing,the local weather says it is 2 C,feeling like -6 C.Spot on,and my poor window cleaner is out there now looking miserably frozen. Yesterday's rain was horrible,I couldnt face going out in it and I have run out of bread,milk and eggs so I am going to bundle up like an eskimo to face those gentle sea breezes (known elsewhere as gale force winds,but we northerners are a tough lot) and get in supplies. Wish I was going off to Africa with Mr Dusty,its the dry season there,HOT!!

    SPC 2018 - No. 012 -
    £2 Coin Savers 2018 #19 - £48
    House and Home Fund 2018 - £80 (plus £174 from 2017 = £254)
    SW loss - 3 st 12 lbs AF in Feb - 13/24days Books read 10/15

    • beanielou
    • By beanielou 16th Feb 18, 3:37 PM
    • 50,555 Posts
    • 193,317 Thanks
    beanielou
    Been blooming cold here too
    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***
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