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Resourcefulness: The budgeter's friend

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Comments

  • foxgloves
    foxgloves Posts: 13,291 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    @Jellytotts - That's a very good return to PA surveys! My monthly target from that site is £40. I don't always reach it, but there are also some months where I make between £50 & £70. Mr F has had a couple of months where he's achieved £100+. 
    F
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • @foxgloves, I’m Northern based and the difference in prices between here and London (where I travel for work often) is getting smaller, I’m finding. 

    £11 or £12 for a panini and crisps at my local, lovely cafe, when we last visited towards the end of last year. £4 to add chips. All 3 of us at lunch, one kids meal, one panini and a club sandwich with a chips for DH and I to share, with a coffee, Diet Coke and a kids drink and it was £47! Nice as a little treat for us every so often (as long as budgeted) :)
    Debt Free: 6th November 2025!! 🥳

    Mortgage (MFD 04/2053)
     (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £232,212.93

    2026 goals:
    26 books (4)
    26lbs lost (2)
    £26k sinking funds & savings (£5.8k)
    £2600 mortgage o/p (£600)
    20,600 exercise and meditation minutes (3k)
    2.6l water a day 

    2026 Top Cashback accrued: £6.46
    Nectar: £118.08
    Boots: £1.99

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • foxgloves
    foxgloves Posts: 13,291 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    @Suffolk_lass - 3 tons? That sounds like some session! I hope you got to make  a start in your greenhouse. I'm really hoping to get some much needed time in mine next week. I think the forecast looks quite rainy, but I don't mind if I am dry in there with my coffee beaker & a pile of tasks to work through.

    @Spendywendywoo - Yes, I think it's probably a case of us usually visiting earlier in the day & having cheese scones & cappuccinos for our breakfast, which works out much cheaper. We hadn't had lunch there for a while, & of course everything has continued to go up in price over the past year. It was an enjoyable treat after having to trog over to the other side of the city centre for my dental appointment, & it's not as if it is something we do regularly since becoming reformed characters on all things financial. I am not at all averse to occasional treats.
    F
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • Hope your gardening went well. I wanted to get out there today, but DH had other ideas, so left for another day. Probably not a bad thing, as it will give me time to organise a bit more, exactly what/where etc.  We had to nip out and decided as we were near a Mr M's, we would treat ourselves to a coffee, as although the cafe isn't the most luxurious....looks out onto the carpark....lol, the coffee is actually very nice.  As it was lunch time, I offered to treat to a sausage sandwich.... not very healthy, but hey, its the weekend.  £8.50 total for the 2 of us. They do an offer on sandwich and hot drink, I thought that was not bad at all. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,764....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £630/3000
    .

    Studies/surveys April.....£177.86

    Decluttering items 1400/
    2025.  198/2026
    Books read    23 in 2025.  2026- 11 (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • foxgloves
    foxgloves Posts: 13,291 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    That's a very good price, @Makingabobor2.
    F
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
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