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It's getting tough out there. Feeling the pinch?
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Florenceem said:Been to have my yearly eye test and buying 2 pairs of cheap glasses. While there - a woman was paying £400+ for one pair of glasses. She said to the assistant - the cost isn't an issue.
I was watching something on TV last week and a charity worker said the problem was that younger people (ie under 40) had never experienced a proper recession and didn't know how to live through one, it seems we have lost those skills!
My first mortgage was in 1990 and i remember Black Wednesday 1992 when we were sitting in cars at work listening to the mortgage rate go up for the 3rd time in one day, I'm not sure now if it reached 18% but it was definitely over 17%. I had a hole in the bottom of my summer shoes hoping the Indian summer would go so i could go into winter clothesI was lucky i had a lovely manager and he would order a cheese board for the training lunches we did two days a week and not only were we invited to share the lunches but i would be given the cheese which was never really eaten to take home. It took a lot of years to eat macaroni or cauliflower cheese again
Life shrinks or expands in proportion to one's courage - Anais Nin15 -
I mentioned in my last post that we can't have a water meter fitted but have an assessed bill instead. Our DD is £37 pm (two people, 3 bed flat, Yorks Water). I don't know what the full rate is now but before we went on the assessed bill we were paying £56.30 pm - that was in 2016, so it will be more than that now. I'm sure if we could go on a meter we would pay even less than the £37 pm.Be kind to others and to yourself too.6
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Tahlullah.H said:Luckily, I am not on a water meter and this conversation has convinced me to never accept one when offered!
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London_1 said:Auntycaz said:@London1 the problem for your grandson is the fact that he is house sharing with 3 other people so even if he is really frugal with energy etc he can't guarantee the others will do the same. Would it be possible for your grandson to do his Masters degree remotely while living at home?2021 Decluttering Awards: ⭐⭐🥇🥇🥇🥇🥇🥇 2022 Decluttering Awards: 🥇
2023 Decluttering Awards: 🥇 🏅🏅🥇
2024 Decluttering Awards: 🥇⭐
2025 Decluttering Awards: ⭐⭐7 -
Just having a catch up. I'm continuing with my cupboard sort outs (still not done) and found not only 2 rolls of foil but also a turkey foil lurking that I didn't know we had. They are going to be useful for wrapping. Think it will be a while before I need more.
Re clothes - I have a teenage daughter, 19 today, maybe I only have a year left where she becomes less teen and more adult hahaha. If I end up sorting out her clothes I put most back away in her wardrobe and only wash the ones that are either smelly or stained - she's yet to notice! The talk of PJs though has made me realise why she was asking me for leisure wear when she was living in student digs, she needed 'more' than nightwear to use the shared facilities or nip down to the bin, but at the same time didn't always want to get fully dressed on a weekend.
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@London_1 - That was incredibly thoughtful of you to help your Grandson out.
I have had a Uni student offspring since 2018 and this past academic year 2 of them studying. I have been grateful that throughout this time the rent we've paid has always been inclusive of the bills. DS has already used this term's student loan. He does a little paid on-line work. He rang me this week to say his wisdom teeth coming through were hurting. I told him to get painkillers, but only the following day did he ask me for money to buy them! I sent it but also told him to go and ask at his Uni which runs a dentistry course if they could have a quick look for him (he hasn't registered with a dentist since moving away) and do it whilst he's still a student because he finishes in around 6 weeks time. Which fetches me to another suggestion if you have any work or education related perks then make sure you use them.8 -
Floss said:London_1 said:Auntycaz said:@London1 the problem for your grandson is the fact that he is house sharing with 3 other people so even if he is really frugal with energy etc he can't guarantee the others will do the same. Would it be possible for your grandson to do his Masters degree remotely while living at home?No man is worth crawling on this earth.
So much to read, so little time.5 -
My OH had a load of money off Waitrose vouchers come through today. Six £10 off a £50 spend. I've shredded the whole lot before he saw them. Last year our average monthly grocery spend was £380. This year so far it's under £300 per month. I know him, he'll go wild with 'saving 20%' which will mainly be spent on beer and wine, and we have plenty of wine (more than 20 bottles) still in stock from previous Waitrose visits and I can get him cheaper beers from Mr T. I'm convinced that the Waitrose money off vouchers were responsible for a large amount of overspend on groceries.
Make £2025 in 2025
Prolific £229.82, Octopoints £4.27, Topcashback £290.85, Tesco Clubcard challenges £60, Misc Sales £321, Airtime £10.
Total £915.94/£2025 45.2%
Make £2024 in 2024
Prolific £907.37, Chase Intt £59.97, Chase roundup int £3.55, Chase CB £122.88, Roadkill £1.30, Octopus referral reward £50, Octopoints £70.46, Topcashback £112.03, Shopmium referral £3, Iceland bonus £4, Ipsos survey £20, Misc Sales £55.44Total £1410/£2024 70%Make £2023 in 2023 Total: £2606.33/£2023 128.8%12 -
My W*rose vouchers were worse: £11 off a £70 shop!
No way will I be spending that much in any supermarket6 -
My T3sco vouchers came through at £6 or £4 off £40 and I even put those straight in the shredding pile! 😂🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her6
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