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From Frugal Foundations to Fortified Family Future

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  • teapot2
    teapot2 Posts: 3,540 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    This popped up on my faceache page a couple of days ago GP and I thought of you Weather apps: which are most accurate? - Which? News  x
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 6,603 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good Morning MFW'rs

    I was reading newgirly's thread and she was talking about employees who are offered new contracts/working conditions that mean when commuting costs, [or purchase of tools (to do the job) or workwear/safety wear (to do the job)] are taken into account, time-served, skilled workers are on little more than minimum wage, irrespective of whether they've been in the company/industry for long-enough to collect their gold clock........  That is DH's situation to a 'T' (although it's a 'new broom' rather than a new company/contract/site move).  And is causing him great anxiety as he worries about providing for his family - and no matter how much I tell him we're capable and coping, he still worries.  Naturally the 'new broom' is not time-served at the coal-face, and relies on 'book' efficiencies to set (unmeetable) bonus targets etc etc for the 'minions'  - which of course, nets significant management performance bonuses for them........... Ho hum. 

    And I noticed that DH is currently on an emergency tax code.  Initially I panicked, as of course, that means more tax is being taken - but then it dawned on me that DH had a letter from HMRC stating their intention to claim tax back on interest payments from last year.  Our house sale balance, finally came out of the bank (to purchase this house), and the interest accrued was added to the balance, for the X years it had been stowed away.  That took us - for one year only, I'm quite, quite sure - over the allowance, so a bit of tax is required.  I need to check how long the re-claim process will take, as I wouldn't trust HMRC or the employer to re-set hubbies tax code once he's repaid what he owes.  

    In other news, snap is packed up, homework completion has returned to the schedule, and despite cloud and rain being forecast, the sun is currently shining 😁

    April is going to be an awful month - we, along with many, many other people, are likely to be hit with the majority of price rises for all the bills that will be going up.  Energy, CT, water, phone/BB, road tax etc etc.  How I wish I could bring the grocery bill down to £150 a month from hereonin!  However, it's unrealistic and there would be no 'stocks' on which to rely to keep the monthly spend low.  All I can do is try my best to do my best with what we've got.  

    Tea tonight is going to be a curry plate.  I figure enough time has passed since we last had curry........ 🤣 Not overly sure LG will agree, but it's all good food.  Although, I will have another rootle through the cupboards to check I can't knock up some sort of pudding (unlikely as i have no eggs), to have soup & pud.......... 

    Right, no sense in sitting here wallowing in self-pity, I've a shopping list to prep - I need about 3 items to take us through to the end of the month (which can't add up to more than £3.81!), and then March's initial shop, and dried laundry to set away, without thinking about any other chores that need attending to.  

    Greying X
    Pounds for Panes £7,305/£10,000 - start date Dec 2023
     
    Grocery Spend August 2025 £94.78/£300 
    Non-food spend August 2025 £3.75/£50
    Bulk Fund August 2025 £0/£10 
  • rtandon27
    rtandon27 Posts: 5,698 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    @Greying_Pilgrim - so funny that you mentioned no-egg puds - this link landed in my e-mail in-box - all eggless desserts as I understand there is an egg shortage across the pond!  I use many of her recipes & the wacky chocolate cake is quite good. Just a word of warning - she cooks for a clan and most of the recipes are HUGE north-american size ones!  Great for putting extras in the freezer though, cook once and eat not just twice but several times.
    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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