We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Pulling my frugal pants on.

Options
1555658606198

Comments

  • KajiKita
    KajiKita Posts: 7,555 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Could you could you use some of the carpet? 

    Is there much more to do? It sounds exhausting….

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 37 books of target 52 in 2025, as @ 23rd July
    Produce tracker: £223 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • ladybird1106
    ladybird1106 Posts: 802 Forumite
    500 Posts Photogenic First Anniversary Name Dropper
    edited 5 October 2024 at 10:13PM
    Thanks dfw. Yes there is still lots to do in the house and there is still 3 large sheds to empty kk. 
     Today was a day at home, time to relax 🤣. 
    Frugalness for today.
    1. Free exercise via miss giddychops, the plot and yoga 🧘‍♀️ 
    2. Miss giddychops tea was courtesy of dad (free)
    3. Used natures tumble dryer.
    4. Harvested 🎃, 🍐 , 🥬 , courgettes and 🍎 
    5. Meal plan made
    6. Heated blanket on instead of heating.
    7. Looks like we are keeping the lightweight cordless hoover as the youngest is able to use it.They decided to hoover the top floor of house. Totally amazed they can actually do this. They will become totally obsessed with it until they’ve perfected their technique.☺️
    8. Lunch was the last of the leftover soup and tea contained potatoes and cabbage from the plot. Cider homemade.
    9. Shopping bill was £76.79 hopefully this is it till next weekend.
    Love 🐞

    Grow your own: £14.66
  • KajiKita
    KajiKita Posts: 7,555 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Glad you had a day off and good luck with the sheds! 

    I am smiling at the thought of the youngest revelling in the learning of vacuuming … 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 37 books of target 52 in 2025, as @ 23rd July
    Produce tracker: £223 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,555 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Frugalness for yesterday 
    1. Due to all the food we are harvesting and it covering multiple surfaces throughout the house whilst either drying, waiting to wrapped in newspaper, ripening or waiting to be processed, we are struggling to use kitchen worktops for actually making food. We remembered that we had rescued some shelving that my sister was going to throw out when she moved. OH put it up whilst I made tea and is now full of produce. Need to find the other one for apples. So pleased with this 
    love 🐞
    Ooh, a full on ‘shopping from home’! Well done 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 37 books of target 52 in 2025, as @ 23rd July
    Produce tracker: £223 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • All that produce sounds amazing. I would love to grow that much!

    My DS2 is obsessed with hoovers. He has been since he was tiny. Some kids obsess over dinosaurs or whatever, my son it was electrical items, the hoover being his fave! We went to a museum where there was old ones on show and he cried when I tried to take him away from them :lol: He still hoovers his room daily pretty much, i wish DD was more like it!

    Hope you are feeling better soon, stress is probably coming out in a physical illness. Let yourself rest as much as you are able over the next week :heart:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • Sore throat and a croaky voice this morning. Definitely frazzled as made a major !!!!!! up yesterday at the optician. They asked if we get benefits, we get universal credit, ooooo you get a voucher off . Me ok, sign but they didn’t show me the screen, paid . Woke up at 5am this morning remembering we do get it but we are over the threshold for help with anything relating to NHS prescriptions etc. Checked website this morning and I was right. Phoned VE croaked my way through what had happened and explained about dad passing and it’s his funeral in 2 days. Paid the balance, they will contact NHS to retract vouchers.  Why do I still feel like a tea leaf even though I know it was a mistake on my side plus they didn’t show me the screen which would have prompted me  and I’ve paid the balance. Think I might need to do a Covid test.
    love 🐞

    Grow your own: £14.66
  • Cherryfudge
    Cherryfudge Posts: 13,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I would have thought they should have checked rather than assuming you were in the right category, ladybird. Certainly with your Dad's funeral coming and this lurgy looming, I think you get bonus points for not only remembering about the threshold but taking prompt steps to put it right.

    Everything seems to happen at once, doesn't it?  :'(

    And whether it's Covid or not (and there are other autumnal things doing the rounds), try to do the minimum today apart from looking after yourself and trying to get some rest. I hope it soon passes.
    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
  • KajiKita
    KajiKita Posts: 7,555 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I think you are being very hard on yourself. You were offered a saving which had specific conditions. Those conditions were not made clear to you. You remembered ON YOUR OWN that it might not be valid for you. You checked and corrected the error immediately. That to me speaks of the motivation and actions of an ethical person, NOT that of a thief. 

    I hope the Covid test is negative and you feel better soon. Sending hugs x

    KK 
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 37 books of target 52 in 2025, as @ 23rd July
    Produce tracker: £223 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.