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From Frugal Foundations to Fortified Family Future

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  • Loving that it was a good day! I too aren't always in the mood for Hot Chocolate - I frequently enjoy the first half of the cup but then it just gets far too sweet for me. We have now found a brand with a far lower sweetness level (and a far higher price tag, but hey-ho, roundabouts and swings!) and I'm happy to have that occasionally now. I might add cream to my shopping list with a view to do hot choccies on Sunday, now I come to think of it! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • peb
    peb Posts: 1,959 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Gosh, well gone.  I've had sleet so no washing here.

    So pleased you had a lovely lunch. It's difficult to get really nice  meals out 
  • Cherryfudge
    Cherryfudge Posts: 13,206 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I think the cheapest way to get the TV listings is online. I think a lot of people, including my husband, still get the Christmas edition because it's family tradition or something. :) For all I know it may be a better way to look things up: I'm not much of a TV watcher but I seem to remember putting rings round things I didn't want to miss...

    Just a thought with the laundry, and I know I may be wide of the mark, but I feel I've noticed a few mentions recently of work clothes getting washed. Are you ablet to claim the tax back for laundering at home? Free uniform tax refund: reclaim £100s - MoneySavingExpert Also, would it be worth investing in more work clothes, so you don't have to run the washer so often? Or would that be a problem in itself for drying, storage, etc?
    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
  • rtandon27
    rtandon27 Posts: 5,644 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 6 December 2024 at 11:23AM
    oh yes - definitely worth it if you can back date as well - after all a penny in your pocket is a penny not in theirs!  - and they take enough of our pennies that we can't claw back!
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
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