frugal or not to frugal, to be mortgage free?

newgirly

Hi , I just wanted to pop in and say welcome

Scrimps

Asked family members to save me their bread bags to use as poo bags for the dog and my mum turned up with poo bags from a petstore, saying money can't be that tight.! Did explain we're trying to save money to pay mortgage off early and every little helps and was a way of reusing something that would be just thrown in the bin.

We do this to, well we don't have a dog but we do reuse these bags. I used to think DH was a bit tight but actually I spent extra on biodegrade black sacks and then would fill it with once used food bags.

I shall start reusing the charity bags too. Thanks for the tip

sazzlebgood?

Thanks wishing, newgirly and scrimp for popping in. Managed to get the ash from the fire pit into a bag before it rained, will take it up to the lottie tomorrow and put on the asparagus beds. Visited the bank to get £50 in change (dd'd use the bus to get to school) and they only had £10 and was told they had no more change! a bank has no change! Left me speechless what bank has no change? Any been shopping and managed to get OH some beer for Christmas which worked out at £1.16 per bottle . The supermarket where every little help have boxes of 6 bottles , buy 3 boxes for £21. Do people have separate budgets for food and household items ie toothbrushes or do you combine it? Not much opportunity for leaf scrunching on our walk today as it rained, but did find some money in an old raincoat. Looking forward to tea tonight as its homemade beetroot pizza, chippie potato and salad and rhubarb crumble for pudding. OH agreed to us OP on the mortgage at £100 a month so will set up the direct debit next week to start in January as we have 2 credit card payments left.This means we will hopefully pay it off 4 years 4 months earlier than planned and save approx £8,650 in interest. Essay almost finished.Hope you all have had a good day.

wishingthemortgaheaway

How could hubby not agree to an op when the benefits are so huge.

Enjoy that feeling.

sazzlebgood?

:jwishing its took me 3 years to get him agree lots of excuses why we couldn't do it, so for the last year I've collecting evidence that we can afford to OP and presented it to him the other day. Had an answer for every excuse so victory was mine. Been to the lottie the am and experienced the weirdest thing ....... a squealing frog has anyone ever heard one? thought I'd spaded a mouse but it was a frog, moved it to a new compost heap once it stopped making a noise, luckily I'd not injured it. Had pumpkin soup for lunch, tea will be green mac and cheese with rhubarb crumble. FIL wants me to try his gin infusion which he's made at the wkend with DD2 . I've been trying not to drink during the week but I'll have to try it to keep him happy. The sacrifices I make in the name of family. Roll on gin o'clock.:whistle:

sazzlebgood?

been on another forum and apparently common frogs do squeal, you learn something new every day.

sazzlebgood?

Today I almost got sucked into buying something I don't need or would really use. I'm really not sure how it happened. A big well known store put their advent calendar on sale today providing you spent X amount, so there was me filling my basket to reach x amount, got to the checkout realised it was over x amount so deleted something to bring it down and then I suddenly realised what was I doing and quickly deleted my basket. I wasted hour an hour of my life on that.:rotfl: What I can't understand is how I got so caught up in the excitement/hype. I don't wear make up or use fancy lotions, potions and all things smelly , so why? :undecided

Scrimps

I got an email about that advent calendar as well. It seemed like such and amazing deal despite it being the exact opposite of what I am trying to do. Years of brainwashing and habit won't be immediately got over. I reckon realising what's happening before a needless spend is a big achievement....a sign the worm has turned:j

Nice work:beer:

sazzlebgood?

Scrimp thanks for the words of encouragement, didn't think about the conditioning we all gone under to spend spend spend. I suppose we all believe in free will but maybe all that exposure of buy this and your life will be better does have more of an affect on us than we realise. Been a busy day took DD2 to the dentist, been for a walk with dad, lots of leaf crunching. Dog walked, little does she know but a shower features heavily in her future. She hates having a shower but thinks nothing of swimming in smelly water. :mad: Not much mse today. Looking forward to jacket potato, cheese and beans mmmmmm comfort food:o

sazzlebgood?

Just lost my last post:mad:. So I've decided to by a szechaun pepper plant, as my FIL and DD2 made bonfire night gin using peppercorns, very warming. Apparently these plants will grow in this country and I always like to grow something unusual at the allotment. My problem however is who do I buy from? I've looked at big online company and it will cost me £10.85 , but when i checked out the actual company who grow the plant they charge £12.85. So do i go with the cheaper option (MSE) or do I buy from those who've actually grown the plant? The only reason why they are more expensive is they charge more for postage and packaging. Wondered if this was because the bigger company has a deal with the delivery company as they will send more packages out. Need to sleep on it.