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Aspirations of Frugality and Fun on the Road to Mortgage Freedom

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Comments

  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Thank you for the support everyone - feel i'll need as many *positive vibes* for the assignment as i can get so all appreciated :D

    Al - thank you - i need to make a list for this week though before it runs away with me :) - i think your on hols now? hope you get some time for you too x

    GG - thank you - i am going to get a pair which i love because they are lace up so should stay on my pesky feet ;) I also ordered a pair of pants from the bay of e - vastly reduced from the shop price and will do whatever the weather - being black should be quite versatile too even if a bit dressy - and alot cheaper than the £55 pair i liked :T - i use to be such a trouser person but really struggle to part with money for something that i don't love / isn't just right :undecided

    jwil - yep frustrating but i'll try and look on the positives as GG says and my new shoes, when i can bare to spend the money on them, will be funkily fab :)

    greent - i will try and catch up on all diaries this week - hope all is goo with you
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    edited 3 June 2014 at 10:05AM
    1, tax return

    2, [STRIKE]collect prescription - can combine with a run [/STRIKE]

    3, job search and application

    4, weight loss - start with up-ing water

    5, garden to be got under control

    6, find on-line course stuff and get on with it

    7, [STRIKE]copy uni course stuff and document accordingly[/STRIKE]

    8, 30 mins doing what i love :)

    9, MA application

    10, [STRIKE]money from try me free stuff[/STRIKE]

    11, [STRIKE]book room - tried already and awaiting response[/STRIKE]

    12, [STRIKE]run[/STRIKE]

    13, double check other break and book room

    14, [STRIKE]tidy all uni stuff away[/STRIKE]

    Am sure i've forgotten something already :o

    And here it is:-

    15, all hand washing done

    16, [STRIKE]freezer inventory up to date[/STRIKE]

    Friday:-

    hand washing
    MA application, re-draft personal statement and fill in page 1
    30 mins doing what i love
    chase other break details

    Satday:-

    Tax return
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Morning All :D

    That smilie is so not me at the mo. i am feeling fairly flat and drained :( But needs must and i have a lot i want to achieve - so will fake it til i make it :);)

    Last week didn't go as planned. Had a fabulous time at the theatre with family but i paid for everything :eek: - which wasn't the plan but they are family and i know their financial state / income is no better than mine. They also gave me a beautiful gift :)

    Shopping last week was over £100 :eek::eek::eek: - i need sit down :o OK - reasons for excess shopping was: - stocked up by going to a shop i get to once every couple of months spent about £20 - got 36 loo rolls and various other stocking up items which are by far cheaper to buy this way.

    Had to go to one of the cheaper supermarkets for fruit and veg - again alot cheaper (there isn't a good market near us) Spent £12 on lots of fresh stuff and some tinned - most eaten now :)

    Supermarket itself should have been £30 spent £50 - had some good wine deals on this week so i stocked up - it will be used ;)

    Spent about £30 on bulk buying soap, shampoo, conditioner, washing liquid and long life shelf stuff. Will last a while and save alot :)

    Friday i was very, very tired and ended up having to go to bed early after over 12 hours in bed :eek::eek::eek: i got up saturday morning running a temperature and generally feeling blah. Managed to get all the carboot stuff sorted out and got lucky with a glorious day sunday. Didn't sell everything and all the bits of stuff left (10p items) we gave to a fellow regular stall holder :D The more expensive stuff that didn't sell came home.

    So of course i am now going to declutter again :D - i want to make sure we got rid of everything we should have and see if i can get enough together to have a small carboot - if i take home £50 from it i'd be happy - so need to make £60 to cover the pitch and of course i can have a look around the other stalls too ;)

    Of course with being ill saturday and out most of sunday i did not achieve all the things i set myself to do - so amends need to be made this week - although it will be hard as its my weekend in work too :(

    I am going to have to push myself today to get things done as i am tired still and got up later than i should have done - i think i need to take my vitamin supplements to give me a boost - they are so expensive though :(

    Ok will get on with pots first and get a few jobs done before popping back :)

    Hope all are well x
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • edinburgher
    edinburgher Posts: 14,079 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    It sounds like you're overdoing it. Fake it all you want, but please try to find some time to laze around at home and be kind to yourself :coffee:
  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    Hello, I thought that I hadn't seen you around recently.

    Sorry you haven't been well- it sounds as if your body said enough is enough, and told you to rest. Try not to over do it this week, although it's so tempting to try and get everything done to catch up with yourself.

    I think it's a good idea to get the bargains when you see them, it's cheaper in the end.

    Vitamin supplements are indeed very expensive. I take iron and vitamins, and evening primrose oil capsules. I buy them from a retailer on eBay, and it has been cheaper than the High Street. I've read that ginseng, zinc and magnesium would be good for me - thinking about that, it would be a big outlay
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • edinburgher
    edinburgher Posts: 14,079 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    On the other hand, there is ongoing dispute as to how much of a benefit vitamins and some supplements are when you already have a balanced diet. In addition to this, certain branded supplements are not significantly different, but cost a heck of a lot more.

    A case in point would be vitamins for pregnancy. Like all anxious first timers, we bought nothing but the 'best' when Mrs E was expecting. The NHS only advocate increased levels of c. 3 key vitamins and minerals, all of which are available in generic £ shop vitamins, or for about 90p from the NHS.

    So look after your body, but I've yet to read anything that proves that 'brand x' beats 'brand y' ;)
  • jwil
    jwil Posts: 22,397 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I agree about the vitamins - look at the packets, the ingredients are often the same for the cheaper ones as the branded ones.

    Well done on the car boot though!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Watty1
    Watty1 Posts: 7,188 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I feel I need to chip in the vitamin front. The cheaper ones often are cheaper because of the way the product is made and because of how the vitamins and minerals are bound, so for example if we took 100 mg of calcium as a supplement we would absorb twice as much calcium if it is calcium citrate than we would if it were calcium carbonate, although the latter is more expensive, it would be a better product as you would get to absorb more calcium in the pill. And some of the cheaper products not only use the poorer quality bindings but also use extra fillers etc in the pills (like talc for example). Sorry - probably more than anyone wanted to know - but I felt I should chip in as the ingredients are often the same but look the same and its a complicated field and if you are going to spend cash on a product then do make sure it is one that will deliver!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Thanks guys. I am actually deficient on vitamin D - if my reading or whatever it is was any lower i would get my vit D free on prescription - i am literally at the starting point of levels that don't require a prescription. I guess i need to get on the ball with it - and yes i do try and get a bit of sun too :) Thank you for all of the info. though. - There were a couple of things which happened this last week which meant a startlingly unexpected start to the day at 4am - i think i've just not managed to catch back up on sleep - and of course the carboot was an early start as well.
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    1, tax return

    2, job search and application

    3, weight loss - start with up-ing water

    4, garden to be got under control

    5, find on-line course stuff and get on with it

    6, 30 mins doing what i love :)

    7, MA application

    8, double check other break and book room

    9,

    Friday:-

    hand washing
    MA application, re-draft personal statement and fill in page 1
    30 mins doing what i love
    chase other break details

    Satday:-

    Tax return
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
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