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Living on next to nought - is that the key?
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Phone call sounds an excellent idea to me.
I got an Argos card the other week to buy a new laptop.
Interest free for six months.
Might be an idea?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Good Evening :hello:
Beanielou - I hope you know how much your supportive and timely posts are appreciated. And I hope you get told it often by other 'diarists' on this forum. Thank you
Right phonecall made. "backlog, blah, blah, another 2 weeks possibly, blah, blah, only just processing paperwork dated the 15th, blah blah, don't you know how popular we are, blah, blah."
Dear archiemanofclothshop, the 'competition' takes a month to decide if they'll consider you for credit. Their rivals do it in '15 minutes'. By all means compete them out of the market place, drive them out of your temple, folk will still use them........
*sigh*.
I'd love to say that today was a NSD, but I managed to shoehorn in a haircut (nowt fancy - short back 'n sides stuff), and I bought tinned potatoes (for an experiment), 2 bulbs of garlic and a box of eggs. I only have to get milk and bananas now to last us to the end of the month
For dinner we had soup and flatbreads, I'm sorry that I didn't take a photo, I wasn't feeling in the mood at that particular moment, but as it is something that I make regularly, I promise to photograph it and link to a version of the recipe, as a) it is nice b) it is filling and c) it is cheap :money:
Today has definitely been upsie and downsie, but definitely has erred toward upsie and I am smiling broadly< look, see
I have so much to be thankful for, my life is blessed in so many ways - I won't bore you with a list, but please know, I am blessed.
Greying Towers has been in 'Lockdown' thinking mode for the past little while, we have come up with a plan b and a plan c to be investigated....... sod the corporate moneylend£rs, we'll find a river, a stone and some soapwort*..........:rotfl::rotfl::rotfl:
Today, I am extremely grateful for these 3 things;
the unexpected - human beings are supposed to like certainty, but you know what, it is when the unexpected happens, that you truly find out what is what, who your friends are and how much inner resolve you can muster.
kindness - I hope you have experienced and benefited from kindness today. I have, and I am grateful beyond expression.....
that my troubles are minor - in the grand scheme of things, they are but gnat bites. There are folk contending with so much more than I am having to - which makes me grateful for the generous support that I receive from MSE'rs, may I never get complacent, nor take you all for granted. Thank you.
Well, sufficient wittering from me.
I'm away to Bedfordshire I think.
Thank you so much for popping by, reading, joining in and commenting. I do so appreciate it.
See y'all later.
Greying
* Pippi, how do we identify soapwort? :rotfl::rotfl:Pounds for Panes £7,305/£10,000 - start date Dec 2023
Grocery Spend August 2025 £46.70/£300
Non-food spend August 2025 £0/£50
Bulk Fund August 2025 £0/£100 -
Just popping in to give you a big hug and to reassure you that, as far as my little brain can tell, your logic and reasoning is completely sound. Which is more than can be said for the decision-making process of the credit card people - they definitely need a rocket somewhere useful.
Whilst I don;t know your parentals, from what I've read of them and from what I know about most parentals - I reckon they would be just the smallest bit miffed if they knew you were sitting at the lauderette (or contemplating rocks and soapwart;)) rather than asking them for a temporary fix to your washing problems. After all - isn't every mother's concern that no child of theirs should get run over wearing dirty underwear!!
Keep the diary coming - my recipe list has definitely expanded since I started reading.
Have a good Friday when it comes.0 -
Greying_Pilgrim wrote: »I'd love to say that today was a NSD, but I managed to shoehorn in a haircut (nowt fancy - short back 'n sides stuff
), and I bought tinned potatoes (for an experiment), 2 bulbs of garlic and a box of eggs. I only have to get milk and bananas now to last us to the end of the month
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Greying_Pilgrim wrote: »Good Evening :hello:
* Pippi, how do we identify soapwort? :rotfl::rotfl:
As you've asked so nicely I'll don my dusty seldom used ethnobotanical socks and tell you the biz on soap wort.
Its a bonnie we tenacious pink thing (Saponaria officinalis), out of season soon so you'd best be quick. As its in the carnation family - probably easier to find one lurking in a vase and test it out.
*other soapy flowers are also available*
Bracken
Horse chestnut
Soap lily (but that's over the pond, pardon the pun)
Ceanonthus - who'd have known.....:p
Yucca's which will also do as shampoo - how exciting.
Philadelphus - so many choices.
:rotfl::rotfl::rotfl:
Quite a nice (and reputable) botanical link here
Maybe best to choose your species of choice and use it with a big rubbing rock down that river too.
:A
Thanks for asking, quite nice to find out something new, folks (including the newly returned sun tanned and freckled younglings) normally run if I get asked a botanical questionon fear their ears bleed.
:TTotal debt 26/4/18 <£1925 we were getting there. :beer:
Total debt as of 28/4/19 £7867.38:eek:
minus 112.06 = £7755.32:money:
:money:Sleeves up folks.:money:0 -
Red Campion too. Just painted one and found out it can be used for soap when I did the research
Fortune xMortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais0 -
Morning, just wanted to stop by and thank you for a beautiful diary
Best wishes, Tilly x2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
Good Morning :hello:
oooh, so many visitors - Thank You for dropping in.
7 Week Wonder - I had so forgotten about the clean underwear/accident thing........ what a superb bargaining chip :rotfl::rotfl:(just kidding!) Thank you for your supportive comment - know that it is appreciated
Upsidedown Bear - ooh, I hope I've not made that sound more interesting than in fact it is. I think it was Jack Monroe that started the debate (actually, she was just doing her thing, other people started the debate), about canned versus fresh potatoes. Anyway, I read on either MSE, Jack's blog or maybe Frugal Queen, that someone said they used tinned pots for roasties. We're having pizza tonight, and normally we have HM wedges, but I've run out of 'fresh' potatoes, so I thought for 13p i'd give the tinned pots a go. So not really anymore exciting than that, I'm afraid. But I've only ever eaten tinned pots rewarmed out of the tin, so in their 'boiled' state IYSWIM. I'm happy to report back whether it works for me or not
Pippi - that's some list eh? Knew those stripey, ethonobotanical socks would provide the answer once donnedI didn't know that all those other plants had soapy qualities. I love learning new stuff! Plus there is a super ceanothus growing just down the way...........:rotfl: Ooh, sun-tanned and freckled youngsters back in the homestead, :T
Fortune - I never knew that about red campion - I remember seeing waves of it on a walk earlier in the summer. I wonder whether the white campion is the same. Those are definitely flowers of my youth(Greying has a nostalgia moment.....)
Tilly - bless you and welcome. Thank you for leaving such nice post. Very kindI hope you drop in again.
Ah, well, snap boxes are packed up, and the day has started positively, and I have a smile on my face - what could possibly go wrong.........:rotfl:
Today should be a NSD. We are having Pizza for dinner - cheese and tomato most likely, although I've just looked at the size of the piece of cheese that is left and it'll be a slimmers pizza - cheese 'lite' :rotfl:I'm trying those tinned potatoes too. I'll also have to make sure I whip up a batch of buns for the snap boxes as the tin is bare
I was thinking about what Essex Hebridean and Piquant said about the 'sack cloth and ashes', way so not being any fun for the pursuer and those around them. I agree wholeheartedly, and this helps in trying to see what we can do to still make a holiday happen for ourselves - the incentive if you like. I'm glad that our caravan holiday is located in Britain, we are supporting a small family business (that does hire in local help), they heavily promote local businesses and attractions to their visitors. Whilst we take some of our own supplies, we have tracked down local farmers markets (the ones where the produce is straight from the field/hen coop and the prices are fair) and buy from them and we support local tea emporiums and visitor attractions where we can, through purchasing something or leaving a donation. So yes, we may not have much, but what we do have we try to share around for the benefit of the local community. But thank you EH and Piq for raising it, because it is too easy to think 'what can I cut out' before your think 'what can I do differently'. I don't want 'she was good at housework' as an epitaph - it'd be such an obvious lie that folks would come from miles around to point and stare :rotfl:
Thank you for joining in with me. Know that it, and you, are very much appreciated.
See y'all later folks.
GreyingPounds for Panes £7,305/£10,000 - start date Dec 2023
Grocery Spend August 2025 £46.70/£300
Non-food spend August 2025 £0/£50
Bulk Fund August 2025 £0/£100 -
It's not necessarily about not spending money, it's not even about spending it wisely sometimes. It's altogether to do with getting balance. There is nothing wrong with having a latte, what is wrong is not enjoying it and mentally punishing yourself for having bought it.
So enjoy that holiday and don't beat yourself up if you can't prove that your metaphorical latte wasn't made in Britain by a self employed one legged gay badger!
Piq sneaks off somewhat embarrassed at having given a sermon when nobody asked for one:oTotal debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
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It's not necessarily about not spending money, it's not even about spending it wisely sometimes. It's altogether to do with getting balance. There is nothing wrong with having a latte, what is wrong is not enjoying it and mentally punishing yourself for having bought it.
So enjoy that holiday and don't beat yourself up if you can't prove that your metaphorical latte wasn't made in Britain by a self employed one legged gay badger!
Piq sneaks off somewhat embarrassed at having given a sermon when nobody asked for one:o
Hear hear. You know my philosophy - loaves and lilliesHere's some Red Campion just for you Greying:
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais0
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