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Resourcefulness: The budgeter's friend
Comments
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Soot is a mischievous cat! ๐ผ ๐ ๐
Very well done on the ยฃ164 holiday budget surplus and the โto the pennyโ credit card spends tracking - I am very impressed! ๐๐ Iโm guessing from what youโve said before that you will roll that surplus forward to the next holiday expenses pot?ยWell done on the continued kitchen wizardry too ๐
KKAs at 15.10.25:
- When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ229,702
- OPs to mortgage = ยฃ12,345 Estd. interest saved = ยฃ5,863 to date
Fixed rate 3.85% ends October 2030
Read 64 books of target 52 in 2025, as @ 11th Novemberย
Produce tracker: ยฃ426 of ยฃ300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ยWatch your actions, they become your reality.ย5 -
@KajiKita - I did consider that, but I've already written up our current Holiday Payment Schedule in detail, & recently too, so I didn't want to start rubbing out & re-working the figures. I shall make good use of that surplus though. It's already been ear-marked for covering a couple of expenses which would have otherwise been paid from September's buffer zone & I shall find a good use for the rest of it.
F2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)5 -
Hello Monday Money Savers,
Thought I'd pop my post on before I head for a bath & hairwash, after which I'll probably get engrossed in my book & forget!
Today's budget-helping efforts:
*Dinner feels like a free one as Mr F cooked enough lovely WW lamb & marrow bake on Saturday to feed us tonight as well.
*Gas engineer arrived to service living room stove & boiler. Boiler needs new part. Part not in stock so repair will be done on Weds. Thankfully part only ยฃ60. I know we'll need to pay the servicing costs as usual plus labour on the fix, but it could have been a more expensive gizmo & better to find it before the CH is turned back on rather than a pool of water.ย
*Garden pickings: 4 green peppers, jalapeno, cayenne & scotch bonnet chillies, carrots, pears.
*Did some greenhouse tasks - mostly cutting back chilli & pepper foliage to facilitate ripening. Administered a dose of free liquid worm tea afterwards. The lettuces I sowed in the growbag as soon as the aubergines came out have germinated & so far look like sturdy little seedlings.
*Weeded outdoor lettuce trough - another late sowing - putting on good growth, which is important while we still have the light. All the 'weeds' were actually self-seeded calendula, which I do like, but have plenty of saved seed for sprinkling in a more appropriate place.
*Investigated 2 big tromboncinos which I brought into the conservatory to ripen while we were away. They are like a courgette (though firmer & fewer seeds) when picked as summer squash, but if left to ripen to a beigey colour, they are more like a butternut or similar when cut open. These 2 were starting to rot at the far end, but having cut this off & had a good look inside, they were perfectly fine. Shall use them this week.
*Added a few more tasks to my list of things I'd like to get done over the next couple of weeks.
Right, the bath tub beckons.......
Wishing everyone a pleasant evening.
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)7 -
Love hearing about your shopping from home successes, they always reinvigorate me to look at my bits and bobs with a more helpful eye4
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@PennysIntoPounds - Aw, thanks m'dear! I do find it satisfying from both a money saving & sustainability point of view. I was able to donate a little zip-up bag to Mr F yesterday when he was trying to find something for carting various cables around. An item of clutter moved out of my drawer & a free shopped from home win for him.ย
Another one recently was repurposing a beautiful pashmina (which I very rarely wear these days) into a table runner. It's a drapey woven one which looks like brocade, not a woolly one & has given our dining table a warmer look for Autumn. Am still intending to get a new tablecloth with more of a seasonal feel (mine are all very summery or Christmas ones) but I am happy to sew one or adapt something & I may yet discover something I've forgotten about at home which I can use....or a charity shop gem. I think something in an autumnal shade bedecked with my pashmina-runner should look quite good.....though will doubtless still be sat & rolled around upon by Soot.
Fย
2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)9 -
Lovely wins. And of course Soot will help out by adding a splash of furry presence to any and all arrangements, such a considerate chap ๐๐
I recently put a cotton scarf on v!nted that could also do sterling work as a table runner and while many people have favourited it at bargain price, no-one has bought it so I might just keep it as a future table runner for myself!ย4 -
Loving your diary as ever @foxgloves! It's so sustaining and I feel I'm in the room with you.ย Your writing is fantastic love Humdinger xxย4
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Well, that's a kind thing to say, @Humdinger1. Thank-you.2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)3 -
Hello Tuesday Savers,
Busy day today. Still feel I am playing catch-up. Anyone would think we were away for 2 months instead of a single week! I think it is partly because our holiday coincided with a busy time of year getting the last of the veg crops in & processing them plus me being a bit of a control freak.
Anyway, today's budget-positive things:
*3 loads of laundry pegged out for free drying in the sunny breeze. Only intended 2 loads but good drying weather so also washed cat travel blankets.
*Baked a batch of bread rolls.
*Dealt with one of the large tromboncino squashes. Chunked it up & roasted with onions, garlic plus peri-peri spices for the batch which has gone into tonight's couscous & rosemary for the other batch which will be made into soup tomorrow or Thursday.
*Roast chicken stretching activity - It did us a Sunday dinner yesterday, will be eating some cold with the spicy roasted veg couscous & tomatoes tonight plus a stir-fry with noodles tomorrow. Froze some with leftover gravy & veg ready for when the next Epic Man-Stew hoves into view. Everything else into the slow cooker for stock.....should be a good one as added an additional carcass I'd frozen for exactly this purpose.
*Ordered a birthday gift to put away for Mr F. It was 2 blu-rays I know he wants so I told him not to buy them himself as I thought it would mean one present already sorted. (Lots of Winter birthdays amongst our family & friends so I like to get ahead of myself from both an organisational & financial perspective).
*Spent some much needed time on admin, a lot of which involved dealing with/clearing emails. Did a bit of financial filing & checked I'd input new payment amounts on Spreadsheet 1.
*Had a look at latest energy bill,ย my main interest on this occasion being how much credit we have on our account as we enter the colder months. ยฃ523 credit which compares favourably with the ยฃ390 we had at the same point last year. I did say I thought that the request I received a few months ago to increase our monthly DD by (if memory serves) around 60% was some sort of AI blip in the Celphalopods' prediction tool algorithm. Our account didn't go into the red last winter on less of a credit balance so I am hoping we will be ok this year too. Noted we had been credited for our Free Electricity hour participation. As neither our heating, hot water or cooking is electric, I think we did well to earn a whole 35p!ย
*Did a couple of surveys.
*Filed a 20% off voucher received in the post (in a pile of junk mail) in my voucher wallet in case it turns out to be useful to us or to someone else.
*Entered 3 competitions plus a free draw for a hamper for voting in an election for board members.
Garden pickings are going to drop off the list today as I need to fetch the laundry in & still have other tasks I want to do before the afternoon is over. Shall add them to tomorrow's list when I need to fit tasks in between us going out in the morning & the gas engineer returning in the afternoon to fit that broken part.ย
Right, must crack on. Beautiful blue sky here today but now the afternoon is drawing on, I can feel just a little bit of a nip in the air so am going to be glad of the funky new slippers!
F x
2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)7 -
I had to admit defeat and get the slippers out today. Was hoping to hold out for October but my feet were brrr. The heating however is remaining firmly off!ย3
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