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Debt and Caring

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Comments

  • WelshmansDaughter
    WelshmansDaughter Posts: 1,786 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Feeling the urge for a stolen day. Must resist. 
    Out and about earlier than usual this morning, I'm determined to get a coffee. Free with points. However the fact that it is in a Sainsbugs and I have insufficient lunch will mean it costs approximately £10🤣
    Hard to believe it is time to be thinking about November already. I need to calm my brain down enough to get thoughts out of it. 
  • doingitanyway
    doingitanyway Posts: 10,481 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    What all thoughts out of your head? Scary  :D
    Enjoy your coffee
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • PennysIntoPounds
    PennysIntoPounds Posts: 5,153 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Wish I had read your post this morning so I could dive across you in slow motion going 'nooooo' to the supermarket spendy temptation 😂
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,786 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Ha not even that would have stopped me Pip. Although I will now enjoy a mental image of that.
    Not all the thoughts DIA, I'd need an excavator.

    Does anyone have any suggestions of must haves for moving back to the flat? It's looking increasingly like I will be 'camping' out there for a bit while I figure out plans. 
    I'll be in one room about 9 m2. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 5,153 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Well you remember the image for next time 😂

    What does the room have in it/do you already own that can be put there? And what facilities does it have, eg working radiator, enough plug points etc
  • Cherryfudge
    Cherryfudge Posts: 13,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 31 October at 12:54AM
    Extension lead, sandwich toaster or toaster, kettle, perhaps a free-standing hob, storage tins (in case there are mice or insects around), hand held vacuum cleaner or dustpan and brush, clock, something to listen to (radio or TV), reading matter, something to provide heat (hot water bottle), notebook and pen for planning and remembering and making lists... perhaps an expanding rail like a shower rail so you can hang clothes. Towels and tea towels. Sleeping bag or other bedding. A couple of cushions or pillows - being comfortable will make a big difference. Something to cover windows. A torch and light bulbs! Cups, glasses, plates, bowls, cutlery, saucepan, measuring jug (you don't need scales if you can measure in a jug).

    How will you keep food fresh? Is there a working fridge? What else is already there?

    A plant or several. I find having another living thing sharing the space makes a big difference. Also a side light or fairy lights - for usefulness and for atmosphere, and possibly candles if you like them.

    In terms of cleaning - bin bags, afore-mentioned dustpan and brush or equivalent, mop and bucket, washing up liquid and washing up bowl, bleach, anti bac spray if you use them, ditto glass cleaner and cloths or sponges. Perhaps some sort of trug to keep them portable. Think what laundry you will need to do and how you will do it. Carrier bags and sticky tape make life easier. A clothes airer or washing line and pegs.

    What's the bathroom like? If you have a working bath or shower, remember to treat yourself to products for these, and possibly a bath mat too for when you step out.

    One room 9m square sounds really big to me. Is there a way you can divide off a sleeping section?
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • doingitanyway
    doingitanyway Posts: 10,481 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Great list @Cherryfudge !
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,786 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Wow thanks PiP and Cherry. I've copied your suggestions into a list for pondering. 
  • Cherryfudge
    Cherryfudge Posts: 13,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    For some reason I forgot to mention something to sleep on, and some shelving, even if it's just planks on bricks.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,786 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Somehow fish and chips found their way onto my dinner plate last night. Nothing like an overpriced plate of beige comfort that wrecks your sleep and gives you indigestion. 
    Having a foul time this last week with emotional overload making everything seem ten times worse than it is and stealing valuable brain resources.
    Three people have quit at work this month. It is putting the idea of leaving front and centre which is not ideal. Although I did read on someone else's diary that the idea of having an escape plan can be enough so I am formulating. After Christmas I will ask about the possibility of changing my hours. The answer to that will be a factor in other decisions.
    Did the monthly paying of the bills at least. 
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