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A Ditherer's Diary (again)

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  • Cherryfudge
    Cherryfudge Posts: 13,288 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    So difficult about the travel insurance - it's good that the bank will cover repatriation (if I've understood you rightly). It may be worth checking if he was in a Union or friendly society as sometimes there is insurance through one of these.

    It sounds as though you are preferring Ald!  to L1dl: I'm looking forward to the Ald! that's being built near us. We have a L1dl which is useful but they really push the pastries despite having a fair range of fruit and veg.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Naomim
    Naomim Posts: 3,145 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I do prefer Aldi, I think they do more of their own ranges and almost everything we've had has been good. I don't like their washing up liquid, soaps, shampoo etc though. I stick to my tried and tested brands but I did give them a go. I noticed I was saving about £20 - £30 a week by shopping there.
    Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again
  • Naomim
    Naomim Posts: 3,145 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Not much to report. There's not much going out of the account middle of the month. 

    I did buy myself lunch at 20yo's work as he asked me if I could bring his bike charger.  I spent £12 as I get a 10% discount. This is the first money I've spent out of my own "pocket money" this month. I had a brie & bacon panini. It comes with salad and he added chips 🍟 😋. 

    MrM and I have potted the jasmine we bought yesterday. I've also ordered some cushions for the garden furniture and some weed control tarpaulin type stuff for the front garden as we are being over taken by thistles. I don't want to spray them and accidentally kill next door's plants! 

    MrM and I have also just spent a lovely hour sitting in the garden whilst a light rain shower passed over us. It's never really been nice enough to sit out in and we don't do it enough. Was lovely just us two, and a cup of tea. 15yo came and joined us for a bit too which is rare and also lovely. 

    I checked the mortgage company again but their rates don't appear to have come down. Plenty of time to keep checking. 

    Stay frugal. 

    Naomim 


    Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again
  • KajiKita
    KajiKita Posts: 7,747 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    It can take a while for mortgage companies to jig their rates about. Hopefully new deals will start appearing in the next few weeks. 

    The garden sitting sounds lovely 😊

    KK

    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Naomim
    Naomim Posts: 3,145 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I just noticed I get paid on the 22nd this month due to payday falling on the bank holiday. I might do the same as early Christmas pay and shuffle it out of the joint account until around the 27th otherwise there's a lot of month that money has to stretch through! 
    Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again
  • Naomim
    Naomim Posts: 3,145 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I did a prolific survey today. I have £4.35 in there. I must remember to try and log in regularly. 

    MrM brought up the subject of holiday next year again. I was more forceful in reminding him we need to cut our cloth accordingly and if it means waiting another year, then so be it. 

    It's so hot here today. 33⁰. I'm not cut out for this type of weather. I didn't go into the office as I didn't fancy commuting on the trains so that's £15 saved today! 

    Just about to settle down to Sewing Bee. 

    N
    Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again
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