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Pulling my frugal pants on.

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  • Cherryfudge
    Cherryfudge Posts: 13,190 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Ah, I see now ladybird. It's brilliant they are getting more independent but when things change gradually, it's hard to keep track so your thoughts about monitoring it are very sensible. 
    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
  • It certainly is cherryfudge. 
    Application form is in, just a case of waiting and visioning. 
    Been to dads as I needed to sort out more paperwork and financial stuff. Managed to get rid of some mobility aids, did keep a shower chair as might be useful in the future. Bought some useful items home too. What I need to investigate is whether house clearance places, charge to just empty or whether they will buy decent stuff. Another problem for another day.
     Tea is risotto with leftover squash. The youngest had chicken curry (chicken reduced by £4)
    love 🐞

    Grow your own: £14.66
  • Yesterday was a prep day for the weekend. I made lentil and mushroom bolognaise for tea last night, added kidney beans, sweetcorn and chilli to the leftovers for tea tonight and made chickpea, spinach and squeaky cheese curry for tomorrow tea. Looking forward to getting to the yha and relaxing. Bought 2 books (£2) from a charity table to take with me. Just need to pack.
    love 🐞

    Grow your own: £14.66
  • Had a lovely weekend away despite the weather. It was nice to treat ourselves instead of totting up what stuff costs etc. Although it’s back to frugaling to build up a new EF and getting my private pension up and running. 
    Dads house has been valued, half sibling just needs to move their stuff out. It’s an ongoing battle but it’s slowly filtering out.
     Another tc from the youngest, another issue with their chair which I had to go and sort at college. No news about the job yet,  closing date was only Sunday though 🤣. Waiting to be seen by chiropractor.
    love 🐞

    Grow your own: £14.66
  • I cant imagine having to do the sort out of stuff - currently eyeballing my own in case I have to move quickly in the new year
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • My shopping cost as much as yours the other day too! Couldn't believe it! 
    Love the frugalness lists 🙏🏻
    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
  • KajiKita
    KajiKita Posts: 7,580 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    My shopping cost as much as yours the other day too! Couldn't believe it! 
    Love the frugalness lists 🙏🏻
    I always think of Ladybird when I manage to get my washing on the line, using nature’s tumble dryer 😊

    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 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £227 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 said:
    My shopping cost as much as yours the other day too! Couldn't believe it! 
    Love the frugalness lists 🙏🏻
    I always think of Ladybird when I manage to get my washing on the line, using nature’s tumble dryer 😊

    KK
    I live on a big old hill and it is always so cold and foggy up here at this time of year that I feel a little envious when I see people still drying clothes outside at this time of year. It is just too 'up in the clouds' here to ever be able to do that. Even in summer it is sometimes too wet to be able to dry outside (my gratitude in reflection is my tumble drier- hoovers answer to big foggy hills and not being able to use nature's tumble dryer :lol:
    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
  • KajiKita
    KajiKita Posts: 7,580 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    KajiKita said:
    My shopping cost as much as yours the other day too! Couldn't believe it! 
    Love the frugalness lists 🙏🏻
    I always think of Ladybird when I manage to get my washing on the line, using nature’s tumble dryer 😊

    KK
    I live on a big old hill and it is always so cold and foggy up here at this time of year that I feel a little envious when I see people still drying clothes outside at this time of year. It is just too 'up in the clouds' here to ever be able to do that. Even in summer it is sometimes too wet to be able to dry outside (my gratitude in reflection is my tumble drier- hoovers answer to big foggy hills and not being able to use nature's tumble dryer :lol:
    I used to live somewhere like that …. 
    But the views in summer were stunning 😊😉

    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 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £227 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. 
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