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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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HairyHandofDartmoor wrote: »I never like online food shopping Beanie as they tend to send things that are about to go off. Also DH gets involved and then the bill goes up :eek:.
You get short-dated stuff from some supermarkets, I know it happens with Sainsbury's sometimes, but Morrisons is very good. Not sure if you have a Morrisons in your area, I think they are more north and midlands based. They send items with really long dates, the ones I'd find myself when I rummage into the back of the shelves:o. If anything is short-dated they list it on the paperwork that comes with the driver. They also go through the fresh produce when they deliver so you can check the dates. Well, they're supposed to but they don't always do it automatically but will if you ask them to. They'll take anything back if you don't fancy it and never query it. Not so good if you were depending on something arriving but I've never had any problems.
I don't have home deliveries much but I can afford to sometimes nowadays and the petrol cost (not to mention time) to any big supermarkets round here is more than the delivery charge. I had some Sainsbury orders because they were canvassing households in our villages to drum up custom and I received about 6 vouchers for up to £10 off each £50 shop. I didn't use them all because I couldn't afford to spend £50 that regularly but I used some and stuck to buying what was on offer that week and we enjoyed some interesting items.
When Morrisons extended their home delivery out our way they sent loads of vouchers and it was free delivery for a few months plus extra loyalty points too. I'm a Morrisons shopper anyway but our nearest one is really tiny:(. By getting a home delivery they send the stuff from a big megastore and there is so much more choice than at my diddy local shop.
I know DH won't ever get involved with my orders as he'd run a mile rather than touch my PC (or any technology):rotfl:. He's a total technophobe.0 -
redofromstart wrote: »I ration myself for things like cans by only keeping one in the fridge. I'd rather not bother than drink warm coke so it works quite well.
You've mentioned before that you have an Aldi locally, my boys will drink their 42p cola, or the Lidl Freeway one. They say it's the closest to the right taste. They refuse to drink any other own brand one.
Mineral water, I buy Aldi sparkling water, 4 x 2l is 99p so 8 litres. I keep a bottle in the fridge and have it with a slice of lemon. If your DS wants a more expensive brand than he should buy it himself frankly. Make them buy their own treat foods, and you provide basic meals?
It's hard getting a balance between wanting to be generous and leaving yourself short. I imagine they would hate the idea that you went without so that they got the luxury stuff.
I could try an Aldi coke and see if I like it. The mineral water is for DH and costs £3 a week for six bottles, so is cheaper than my coke. He doesn't drink alcohol so it's the only thing he drinks apart from coffee.I get that but I meant just for the coke.
Sorry I misunderstood.carbootcrazy wrote: »You get short-dated stuff from some supermarkets, I know it happens with Sainsbury's sometimes, but Morrisons is very good. Not sure if you have a Morrisons in your area, I think they are more north and midlands based. They send items with really long dates, the ones I'd find myself when I rummage into the back of the shelves:o. If anything is short-dated they list it on the paperwork that comes with the driver. They also go through the fresh produce when they deliver so you can check the dates. Well, they're supposed to but they don't always do it automatically but will if you ask them to. They'll take anything back if you don't fancy it and never query it. Not so good if you were depending on something arriving but I've never had any problems.
I don't have home deliveries much but I can afford to sometimes nowadays and the petrol cost (not to mention time) to any big supermarkets round here is more than the delivery charge. I had some Sainsbury orders because they were canvassing households in our villages to drum up custom and I received about 6 vouchers for up to £10 off each £50 shop. I didn't use them all because I couldn't afford to spend £50 that regularly but I used some and stuck to buying what was on offer that week and we enjoyed some interesting items.
When Morrisons extended their home delivery out our way they sent loads of vouchers and it was free delivery for a few months plus extra loyalty points too. I'm a Morrisons shopper anyway but our nearest one is really tiny:(. By getting a home delivery they send the stuff from a big megastore and there is so much more choice than at my diddy local shop.
I know DH won't ever get involved with my orders as he'd run a mile rather than touch my PC (or any technology):rotfl:. He's a total technophobe.
The Morrisons near me is pretty dire Carboot and I don't rate their value range for taste or quality. I think I do enjoy actually going to the shop as it gets me out of the house.
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
I've decided I ought to go back and volunteer in the school tomorrow morning. I haven't been since before my mum died and I'm dreading it a bit
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But if I don't go back now I may never go back. I feel as though I ought to go back as I had good reasons for starting volunteering there in the first place. But I feel tense and anxious about it right now.
I'm hoping I'll enjoy it when I get there and it will distract me from thinking about my mum so much. It's a frog I need to try and eat.
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
HairyHandofDartmoor wrote: »I've decided I ought to go back and volunteer in the school tomorrow morning. I haven't been since before my mum died and I'm dreading it a bit
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But if I don't go back now I may never go back. I feel as though I ought to go back as I had good reasons for starting volunteering there in the first place. But I feel tense and anxious about it right now.
I'm hoping I'll enjoy it when I get there and it will distract me from thinking about my mum so much. It's a frog I need to try and eat.
Well done on coming round to the idea of picking up where you left off with the volunteering:T. It's bound to be hard but I know what you mean about the longer you leave it the harder it would be (impossible even) to go back. I know how much you enjoyed it before and your Mum would want you to do what makes you happy.
I'm sure the children will be happy to see you again:j I bet they've missed you. Spending time in the company of children, especially when doing something really useful and interesting together, can be a joy. Think of it as a good distraction for you and a great help to the children and the teacher. Win-win:j. Good luck, I'll be thinking of you:beer:0 -
Thank you Carboot, you are such a lovely person.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Good luck for this morning Hairy. Sure you’ll enjoy it once you are there XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
Thank you Lucky.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Sure all will go well.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 -
I buy the Aldi Diet Coke and as long as it's been in the fridge it's quite nice but I don't like room temperature drinks xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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Hope volunteering went well x
I have done as Beanie suggested and done a coke order before from Asda. I've bought a couple of boxes. If I needed to spend anything else, I've bought cupboard items or cleaning stuff. I like to pick my own fresh stuff."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 McGee0
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