Pinching Pennies

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  • beanielou
    beanielou Posts: 90,193 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    beanielou said:
    What are you doing at uni?
    Primary Education! 😊
    Probationary year in August then  :)
    My DS is just finishing his PGCE & is just waiting to be allocated a school.
    It's been a very quick year.
    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.
  • daintydaisy
    daintydaisy Posts: 85 Forumite
    First Anniversary Photogenic First Post Name Dropper
    edited 19 May 2023 at 10:37PM
    beanielou said:
    beanielou said:
    What are you doing at uni?
    Primary Education! 😊
    Probationary year in August then  :)
    My DS is just finishing his PGCE & is just waiting to be allocated a school.
    It's been a very quick year.
    Ahh how lovely is that! I’m doing a BA so this is my 2nd year, I have a year left before I enter the world of an ECT!! All the best for your DS though, I don’t know how they manage the stress of a PGCE - my BA has been a struggle and it’s drawn out over 3 years haha! 
    Hope the rest of the year goes well for your DS xx

  • savingholmes
    savingholmes Posts: 27,334 Forumite
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    Hope things go well with your DS Beanie 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • beanielou
    beanielou Posts: 90,193 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    beanielou said:
    beanielou said:
    What are you doing at uni?
    Primary Education! 😊
    Probationary year in August then  :)
    My DS is just finishing his PGCE & is just waiting to be allocated a school.
    It's been a very quick year.
    Ahh how lovely is that! I’m doing a BA so this is my 2nd year, I have a year left before I enter the world of an ECT!! All the best for your DS though, I don’t know how they manage the stress of a PGCE - my BA has been a struggle and it’s drawn out over 3 years haha! 
    Hope the rest of the year goes well for your DS xx

    My DS has a degree & then MRes.
    Worked for a few years & went back to do the PGCE!
    Thank you  :)
    Hope all goes well for you  xx
    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.
  • beanielou
    beanielou Posts: 90,193 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Hope things go well with your DS Beanie 
    Only two weeks to go!!
    Thankfully(!!) don't need to go to a third ceremony as he is not going to the ceremony this time!!
    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.
  • daintydaisy
    daintydaisy Posts: 85 Forumite
    First Anniversary Photogenic First Post Name Dropper
    Made £8 from Vinted the other day, can’t seem to sell anything else even with offering lower offers.. hate having the clothes taking up extra space in my wardrobe. 

    Got 2x turkey thigh mince for 97p at work today after reductions & rewards 😊 popped it in the freezer as it’ll be good for bolognese etc. 
    other than that this weekend has been spend-free! I’m so happy I’ve resisted buying food and have actually much preferred taking my own lunch in. Just need to keep on top of it.

    I’ll make some beetroot soup tomorrow and I’m thinking about making some kind of pasta salad (a big bowl) so I can have it for lunches. Will see what’s in the house that I can use! I really need to sort through the freezer too because it’s pretty full at the min. 

    10 more days til payday.. can’t come quick enough!! 
  • savingholmes
    savingholmes Posts: 27,334 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Well done on the sales.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • daintydaisy
    daintydaisy Posts: 85 Forumite
    First Anniversary Photogenic First Post Name Dropper
    Thank you @savingholmes 😊

    NSD today. Didn’t end up making beetroot soup but made a huge bowl of tuna pasta. Had that for lunch and will have for my lunch tomorrow (I also had it again for tea because my OH ordered HelloFresh and we had 1 portion of bolognese left so he had that). 

    Didn’t end up doing my C25K run today. Been pretty stressed lately thinking about money. Probably doesn’t help that I’ve got a busy few weeks left at Uni either!
     I started work an hour earlier on Saturday but can’t pick up any extra shifts as there isn’t any available. Been refreshing Prolific and have joined a few other survey sites (also a testing app and mystery shopper app). I’ve had a major LBM and am coming to terms with how silly my spending has been over the past few months. I’ve been chasing the high of having a delivery almost everyday and I’m now living with the consequences. Don’t get me wrong, it could be a lot worse, but as our mortgage is due to go up in Nov I just wish I’d thought it through before hitting ‘buy’! Hopefully that’s a lesson learned and my debt busting and saving journey can properly begin. 

    Probably rambling too much but it’s helpful to brain dump sometimes!

  • beanielou
    beanielou Posts: 90,193 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Always good to brain dump  :)
    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.
  • daintydaisy
    daintydaisy Posts: 85 Forumite
    First Anniversary Photogenic First Post Name Dropper
    Not a NSD today as I was visiting a family member for their birthday and we ended up nipping to Ald! for a quick pizza and some snacks which totalled £13 (neither of which were essential as we have food in the fridge, we were just lazy and hungry!!) 

    sold a top for £2 on Vinted, not a lot but I’m glad to have another item out of my wardrobe.

    Went for my 3rd run of week 2 in couch to 5k. Today was such a struggle, mainly because of the heat. I do enjoy it but I need to stay disciplined as my motivation is running low… may have to repeat W2 before I move on to W3! My knees are still hurting and my OH suggests I invest in some compression socks. Will see how I fair after payday. 

    I have a presentation at Uni tomorrow which I’m a little nervous about (it’s not assessed but it’s to a large audience). Been preparing for that all day and feel in an okay place.

    We have had our lovey in-laws today helping us with the front garden. I really would love to start growing my own veg but Im absolutely hopeless when it comes to gardening. Have been reading and watching some videos and think I might give it a go next year. At least that’ll give me plenty of time to research and save up. If any of you grow your own veg at home feel free to leave some tips :) 

    going to read through some diaries and then go to sleep. Hope you’ve all had a fab day :) 
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