Put away your purse & become debt-averse

PurpleFairy26

We’ve noticed many more birds on our garden since lockdown. Don’t know if it’s because we’re home more or less traffic or
a combination of both. But we’re thoroughly enjoying their antics. We’re currently watching a blackbird build a nest in the neighbours hedge but he accesses it via our garden. We are wondering if he has a mate yet 🤔 

love hearing about your spendy years foxgloves (kept auto correcting speedy to speedy 😂) mr Purps and I were similar. We both spent well before we met and had debt when we got together. We both had flickers of light bulb moments at different times (me getting his debt on to 0% from silly rates and he suggesting we live off one wage and throw the other at debt - which we tried but didn’t budget so kept having to dip in to the one wage for ‘big bills’ such as car service etc) and when I did have my LBM it was a little while before DH got on board but now we are very different and I can never see us going back and we want to make sure our children know how to budget, save and look after their money so they don’t end up in debt. 

foxgloves

OBL - Thanks for flagging up that programme. I will look out for it & give it a go.
Purps - Yes, garden birds can be very entertaining. I had to rescue that cute but dim male blackbird chick from my greenhouse yesterday because havibg flown in to have a look, he then couldn't find the door. I decided to pull it further shut so he couldn't get in again as he was quite upset & got himself stuck up behind the grapevine. Then the next time I went down, there was a blue tit in there, flying madly around, which I think had got in through the window. So two rescues in one day.
Re money..... we can smile about our past idiocy now, but there are still times when the sheer amount of money we must have wasted just horrifies me & I have to try & put it out of my mind. Like you, we had the occasional light bulb flicker but that's all it was. For instance, when I sold my old house, I paid off £16k of Mr F's debt, which had been money lost on a house he had bought with his ex & sold in the split. We both recognised what a good move this was financially, as we started our lives together, but only a very few years later, he'd run that debt up again & I was still spending like a cash-spraying twit so we took out the first of three consolidation loans. So the lightbulb would have the odd dim flicker, but would always be extinguished through our toxic combination of frittering, having to have stuff immediately & failing to budget.
I can't see us ever going back to that attitude. I hated the insecurity of it.
Well, I've had two coffees..... time to feed my sourdough jar then get down the garden, as I intend to make progress today even if I shall need a soak in a hot bath later to uncreak my muscles.
See you later, 
F x

marionmgcars

Thanks for all those ideas Floxgloves,  we built the greenhouse yesterday so it’s all ready to go.  Will have a look for that programme too.  It’s so nice to have the support of this group to help xMarionx

Onebrokelady

PurpleFairy26 said:

Onebrokelady said:

I saw on FB tonight that there is a new gardening programme starting on ITV,I think it's called Grow Your Own At Home, it's probably aimed at the less experienced gardener but might be interesting to watch 😊

I definitely fit in to the less experienced gardener camp. I’ll look it up - thanks. 

I think it starts on the 25th 😊

Pixiehouse55

Hi Foxgloves and gang. Just a quick hello, in bed now. Today Mr Pix had to go out and get veg for a roast today, ice cream rice cakes for me, any how that was £12ish spent that was from the list and nothing else.
Over done it yesterday so I sat and done some knitting in between helping our service users out. Plus done their washing. 
Gone mad here so many cars back on the road.  Guessing they don't care if they pick up the virus.
We have a dog that eats poo!!! Its disgusting she stinks!! How do you stop that? Any suggestions??
Hope you all had a good day??
Love hearing about your before and after LBM  Foxgloves❤❤

Sleep time. Goodnight to you all

foxgloves

Ewwwwwww, Pixiehouse55. No idea from me re yukky dog habit. I'm a cat girl & am not very good with dogs. I've never owned one so I know next to nothing about them. I can understand you wanting that behaviour stopped though.
F

foxgloves

Morning Monday Job-doers,
Well, I need to be a proper job-doer this week, especially in the garden, but also lots of house tasks/projects too. I simply can't believe it is 18th May already. I thought time in lockdown would drag terribly, but it really isn't. It feels like it's speeding by. So this week, I am intending to have a megally productive week. I was out of bed at 6 this morning, mixing up a sourdough loaf & also popped down the garden to open the greenhouse, so I feel as though I've got off to a positive start.
I'm just going to wash the breakfast dishes & tidy the kitchen, then it will be a bit of desk time to do my regular Monday morning budget update & banking. 
Ok..... that is my 2nd coffee finished. I must away! 
Wishing everyone a calm productive week. 
F x

foxgloves

Evening m'dears,
Last night, I asked Mr F to cut my hair with my big dressmaking scissors. More of that later. 
I have got off to my hoped-for productive start to the week. I've baked a sourdough loaf, done my regular Monday morning budget update & banking, two loads of laundry, cut out & pinned the fabric ready for sewing 10 face masks & planted all the gaps in one of my big flower beds with echium 'blue bedder', cosmos & verbena bonariensis. While I was at the back of that bed, I took the opportunity to clear out a couple of trugs of ivy & dead wood. I reckon I could have sowed potatoes on my feet after all that lot so my final task was a pedicure & nice sparkley pink toenails. So I do feel that was a useful day. 
For people who are more interested in knowing if I still have two earholes after trusting my long locks & a scarily sharp pair of scissors to Mr F...... well yes I do. But I can tell you this with certainty. 
He may have many skills & be pretty good on the whole with maths, but he has no concept of how long 2cm is. I asked him carefully to chop off 2cm of my hair. A few blade crunches later, a chunk of cut hair bounced off my bare back & it kind of felt bigger than 2cm. And when I swept the hair off rhe bathroom floor afterwards, I was not wrong..... a goodly 4cm had been chopped off. I scrunched dried it & it is uneven but perfectly 'livable with' in these bizarre times. I will probably snip a few more bits next time I take the hair straightners to it.
Afterwards, I politely showed him 2cms on a ruler. And then I showed him 4cms, & how it is actually (who'd have thought it?) TWICE AS MANY CMS AS 2!!!
And he bought me a walnut whip. 
F x

PurpleFairy26

foxgloves said:

Evening m'dears,
Last night, I asked Mr F to cut my hair with my big dressmaking scissors. More of that later. 
I have got off to my hoped-for productive start to the week. I've baked a sourdough loaf, done my regular Monday morning budget update & banking, two loads of laundry, cut out & pinned the fabric ready for sewing 10 face masks & planted all the gaps in one of my big flower beds with echium 'blue bedder', cosmos & verbena bonariensis. While I was at the back of that bed, I took the opportunity to clear out a couple of trugs of ivy & dead wood. I reckon I could have sowed potatoes on my feet after all that lot so my final task was a pedicure & nice sparkley pink toenails. So I do feel that was a useful day. 
For people who are more interested in knowing if I still have two earholes after trusting my long locks & a scarily sharp pair of scissors to Mr F...... well yes I do. But I can tell you this with certainty. 
He may have many skills & be pretty good on the whole with maths, but he has no concept of how long 2cm is. I asked him carefully to chop off 2cm of my hair. A few blade crunches later, a chunk of cut hair bounced off my bare back & it kind of felt bigger than 2cm. And when I swept the hair off rhe bathroom floor afterwards, I was not wrong..... a goodly 4cm had been chopped off. I scrunched dried it & it is uneven but perfectly 'livable with' in these bizarre times. I will probably snip a few more bits next time I take the hair straightners to it.
Afterwards, I politely showed him 2cms on a ruler. And then I showed him 4cms, & how it is actually (who'd have thought it?) TWICE AS MANY CMS AS 2!!!
And he bought me a walnut whip. 
F x

At least you got a walnut whip 🤣 

foxgloves

And I am still in possession of both my ears, Purplefairy, so I suppose I should be grateful for small mercies......
F x