Small Steps Out Of Massive Debt!

DrSpendingLittle

Congratulations GC on the big milestones achieved! You're on the home straight now! 

GeorgianaCavendish

Thank you very much Dr!  

GeorgianaCavendish

We have decided to accept the offer to stay here for the rest of the year. The lease on our flat will end at the beginning of October which is a pain but at least it gives us a number of weeks to move our belongings instead of a mad rush over one weekend. I'm cancelling what I can now (TV licence, broadband etc) and making a long list of when to cancel other things. I'm so grateful that we will have the opportunity to save extra money for a few months and have some time to consider where we would like to move next. 

I've been online shopping this weekend as I needed to buy some clothes for autumn / winter and I decided to take advantage of the bank holiday sales. Most of my cold weather clothes are the smarter things that I would wear for work and my usual 'round the house' clothes are all pretty light weight (due to our flat being super-insulated). I've been wearing a duvet like a shawl this weekend which isn't a long term solution! Even though I have been alert for bargains (using cash back sites, sales, discount codes for mailing list sign-ups etc and checking if anyone is selling it cheaper on ebay / poshmark) it feels really strange to have spent money on something other than food. I feel as though I have spent ages shopping but most of that time was in the MSE-phase of finding discounts etc. I will double check the sums to be sure of how much this 'spree' cost, but in any case I think I'm done with shopping for a while! 

IrishSean

I grew up in the country; u can't beat it. Only townies give off about the country, tbh😂
Enjoy: it will quite literally be a breath of fresh air!

shoppingobsessed2020

Fantastic news, there’s nothing better than been able to go on a nice long walk and not meet another soul.  It does take a bit of getting used to re the convenience of shopping but it’s better for the wallet!  Hope it all works out

shoppingobsessed2020

I like lots of layers in the winter, cardigans and I’ve a couple of pashminas and large scarves that work very well for layering.

GeorgianaCavendish

IrishSean said:

I grew up in the country; u can't beat it. Only townies give off about the country, tbh😂
Enjoy: it will quite literally be a breath of fresh air!

Haha - that's me, townie born and bred!     It is different but I'm loving it so far - maybe I will be fully converted by the end of this year! 

IrishSean

GeorgianaCavendish said:

IrishSean said:

I grew up in the country; u can't beat it. Only townies give off about the country, tbh😂
Enjoy: it will quite literally be a breath of fresh air!

Haha - that's me, townie born and bred!     It is different but I'm loving it so far - maybe I will be fully converted by the end of this year! 

😂
One caveat on the fresh air...
It's muck spreading season 

Cow dung I can live with but if u drive past / live near a field that's been sprayed with pig or hen dung you'll reckon living in a London Sewer wouldn't smell quite so bad!

Also doesn't Ms Cavendish have a tailoress for her fine gowns?!
#lovingthatavartarpic☝😊

As always, GL with the DFW journey💪😀

GeorgianaCavendish

shoppingobsessed2020 said:

Fantastic news, there’s nothing better than been able to go on a nice long walk and not meet another soul.  It does take a bit of getting used to re the convenience of shopping but it’s better for the wallet!  Hope it all works out

shoppingobsessed2020 said:

I like lots of layers in the winter, cardigans and I’ve a couple of pashminas and large scarves that work very well for layering.

The solitary walks are my favourite thing so far! We've been living in a town centre for the last 5 years, literally the door to our block opens straight onto the high street and the parks and canal paths were always rammed so I had no time to myself unless I stayed at home. It is bliss being able to go out for a walk and not see anyone! 

I usually do my clothes shopping online because I hate going into shops (and I'm too fond of using cash back sites) but the biggest adjustment so far is grocery shopping. In London we live virtually on top of a supermarket, so we could pop in every day if needed and generally would only shop for a couple of days at a time instead of a big shop. Hopefully this will be good practice with meal planning and grocery budgeting, which hasn't been the best during lockdown  

I've ordered lots of things to layer : some of those heat gen tops from Uniqlo, a couple of jumpers & cardigans and big scarf / cape things to add on top. In my head this will all combine to look stylish as well as being warm, but I fear that I might end up looking like the Junk Lady from Labyrinth! At least they will be more streamlined than the duvet I've been carrying around with me this weekend  

astrocytic_kitten

As a permanently cold person who has spent her share of time in old buildings, my advice is to keep your neck, wrists and feet warm - really thick cosy insulated socks (my favourite ones have an actual tog rating!) and cashmere wristwarmers go very far in making me happy. I also have a big wool scarf / cape thing that I am surgically attached to whenever I’m outside (and sometimes when I’m inside too) from October - May. Also, sounds daft but I find wearing my hair down in the winter helps to trap warm air next to my neck and makes a big difference!