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Resourcefulness: The budgeter's friend

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  • PennysIntoPounds
    PennysIntoPounds Posts: 6,912 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Glad the headache did one, maybe a blessing in disguise to not have to do dentist on such a hot day!

    Excellent work looking at the car financials 🥂

    Glad I'm sitting down to hear Soot didn't want his breakfast, thank goodness order was quickly restored

  • moginstein
    moginstein Posts: 124 Forumite
    Part of the Furniture 100 Posts Name Dropper

    Thanks for mentioning the wormery moisture mats, I have a wormery but didn't know about that. They get newspaper (I pick up a copy of the Metro from the train station when wandering past) and shredded receipts, but I'm going to treat them to a layer of cardboard on top, I'll see if my Am@z*n box is in the recycling bin later, and fish it out!
    My wormery was homemade, but I do like to say thanks to the little guys, they do such a good job making compost (and I do treat them to Waitrose used coffee grounds, which helps keep the stinky cabbage smell down ;-)

  • moginstein
    moginstein Posts: 124 Forumite
    Part of the Furniture 100 Posts Name Dropper

    @foxgloves, I'm assuming you have a circular wormery then. Mine is made from rectangular plastic storage boxes, so I guess that a cardboard rectangle will work, and be easier to cut! Could I trouble you to ask how much gap there is at the edge? Is it just enough to make it easier to lift up?

    Great to hear what you are up to, and the updates of the adventures of Soot and Ash.

  • foxgloves
    foxgloves Posts: 13,463 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper

    Oh, I am so looking forward to the end of this silly heat…….OK, hands up who actually got the promised thunderstorm last night? By early evening, there were actually FIVE flood alerts for our county because of the expected downpours accompanying the storms. Nothing. Not a sausage. Think Michael Fish must have contributed our local forecast! This morning, there was the teensiest shower. There can't have been more than about 73 raindrops over our entire garden. Rubbish!

    And again, she gets off on a rant before saying 'Hello'….. Good afternoon Diary Readers, I shall move onto today's money-saving efforts now:

    *It's Big Budget Day so I have been busy with all that. Reconciled June's budget & sent a grocery underspend of £7-97 to the Grocery Underspend Pot. It's a new pot for this year & has over £40 in it, so I'm just leaving it there & it will come in useful for something, maybe towards Christmas, a pantry stock-up or even just a bulk-buy of some decent ground coffee at some point if we see an outstanding offer. I declined to order a fish box as we still have sufficient left in the freezer from the last one so I used some of that saving to boost July's grocery budget to assist with it being a pesky 5-week month. Paid into all our general savings & also 6 of our Savings Pots, which of course operate more as sinking funds than savings but they are an important part of our budgeting system & very much help to keep us on track so I assess the contents of all 10 of them every Big Budget Day.

    *Watered the veg first thing.

    *Baked a crusty loaf so that we have bread for the weekend.

    *Wrote a list for our trip to the Blue & Yellow Swedish Emporium tomorrow as I want to keep us focused & it not to turn into a bit of a meander around convincing ourselves that we need various gubbins. We are primarily going for a couple of replacement shed storage units & some more of their lidded glass food containers as we are finding we really prefer these to our old plastic ones.

    *Shall try to knit as much of this slow-coach sock as possible later tonight. I want to get onto other knitting projects I have lined up.

    Right, that's it for today - off to fetch another glass of water. Next week's temperatures look just right for me & I plan to have a catch-up on jobs.

    Cheers,

    F x

    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!
  • Makingabobor2
    Makingabobor2 Posts: 4,813 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Yes, I agree, I am so looking forward to better temperatures next week. Got so much to do in the garden, and just can't stand it out there when its hot.

    Stay cool. x

    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,324....its going down

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

    Challenges

    EF  £240/3000


    Studies/surveys July £6.93

    Decluttering items 1400/
    2025.  345/2026
    Books read    23 in 2025.  2026- 14  (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


  • teapot2
    teapot2 Posts: 3,834 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Raises hand to report THE loudest and most spectacular thunderstorm I've ever seen starting about 3am today. I woke up thinking there was someone in the room who had switched on the big ceiling lights it was so bright. Went on for ages accompanied by lashing rain then another heavy shower mid morning. Needless to say I didn't need to water the pots this morning.

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