2014 Frugal Living Challenge

Shortie

Ooooh thanks DawnW xx Just mentioned this to Mr Shortie and he's up for giving it a go next week


Edit: Just seen the comment about it there's no wine or sherry to add more water. I'll do just that then, ta :-)

Shortie

skintygerlinky wrote: »

Oooh forgot to tell you - got confirmation today that I will be receiving £100 hardship fund from Uni. This will go straight towards travel expenses.

Had to keep appealing as I got turned down twice. Know its a pain to keep fighting and asking and I know £100 isn't a huge amount but right now it is to me!!

Deffo worth the phone calls and emails :j

Woo hoo! That must feel goooood Skinty

macwah97

Evening Ladies.

Someone on here has mentioned in the past about using an app to track daily spends - can someone please advise.

Think its needed here and not only for me!!

OH has decided that he is too uncomfortable to drive for long distances in our wee car so announced today that he is looking for another one!!!!! :mad::eek:To which I replied no youre not.

There is now a great deal of huffing and non speaking and playground behaviour going on:(

lhead123

macwah97 wrote: »

Evening Ladies.

Someone on here has mentioned in the past about using an app to track daily spends - can someone please advise.

Think its needed here and not only for me!!

OH has decided that he is too uncomfortable to drive for long distances in our wee car so announced today that he is looking for another one!!!!! :mad::eek:To which I replied no youre not.

There is now a great deal of huffing and non speaking and playground behaviour going on:(

I use an app on my android tablet called goodbudget (used to be called EEBA or easy envelope budgeting app) it links into a website so you can edit stuff on your phone or tablet or computer and is completely free.
It lets you create virtual envelopes that you dictate the budget of and then every time you spend you type it in and allocate it to the correct envelope e.g. I have food, petrol etc.
You can also tell it your usual day to fill the envelopes e.g. your payday and it has a tracker bar in each envelope that counts down and tells you if your over or under budget for that period of time.
You can also set envelopes for savings, e.g. I have car tax and insurance, dentist and prescriptions and christmas. And allocate a certain amount to each one each month.

If you pay you can allocate each enveople to a different bank account and have it completely tie in with your finances, if you go with the free version it will only let you choose one account.

Hope that helps xx

TM6

What is TVP please? It is mentioned in mince recipes

cw18

TM6 wrote: »

What is TVP please? It is mentioned in mince recipes

Textured Vegetable Protein - see here

MallyGirl

most common brand is Quorn

MallyGirl

DawnW wrote: »

a little diced pineapple is a luxurious addition if you have any around. Tinned is fine

if it is tinned in juice then you can use the juice in the recipe - we did something very similar last week when I found a tin of pineapple in the cellar. It was a hairy dieters recipe as I am doing WW so we didn't do the fry meat in flour bit but still nice - I also found a tin of beanshoots so that went in too (should have been water chestnuts but didn't have those).

Picklepot

Hello lovely people

Thank you for the welcomes and advice. I havessome positives to report.

Our financial advisor is hopeful he can reduce our mortgage by £175- £256 per month depending on which is best for our needs and we are accepted (thats the crunch bit fingers crossed)

DH has been banned from shopping as he doubles the food bill! He is OK with that and when i was ill last week he went out to aldiniiti with strict list and didnt stray...even brought list back to prove it. He is enjoying reporting his NSD at work but we need to look at the weekends because boy does the man like to shop! Not big ticket items but cakes , coffee shop's usually costapacket it all ads up.

God rid of the sky after big haggle they were not going to budge. They told me that they would not automatically refund any outstanding credit i would have to ring to request it! Told them i was surprised they did such business practice they told me BT do it too (so thats OK then?) I asked them if they were recording the call for training purposes because i thought they should.

Now onto emotional stuff - DH is going to sell a much loved item. It will clear majority of debt but i have tremendous guilt over it. He very much says health and quality of life more important but it doesnt stop me feeling bad.How do you deal with it??

Shortie

Hi Picklepot - that's a tough one to be honest - I sold a much beloved item of mine last year as I needed the money. I was sad to see it go but I have promised myself that if we ever get to a point of having surplus money then I would buy another of it. Mind you difference would be then that I would have also learnt from experience and wouldn't rush the purchase and therefore end up with a better item for it.

But it still stung - it's only natural. But given the choice again I'd sell it ll over again as being financially more stable was far more important xx