We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
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!
From Frugal Foundations to Fortified Family Future
Options
Comments
-
Good Morning MFW'rs
We should give that a go redo - I know that greenbee is a whizz at all things sprouting, and it's supposed to enhance the nutritional qualities of the pulses/beans isn't it.
badmemory - I have no issue with anyone that choses to colour their hair. It's not for me - I've never been able to afford to have my hair dyed professionally, and am essentially lazy, so for sure am not going to start messing about with home hair dying kits every [however many] week[s]. It's actually a bigger problem that society at large has in general with how we treat aging. Calling every woman with greying/grey/silver hair 'grandma' is just a very small part of the rampant casual age discrimination in this country. It's given kids at school an easy score over LG to refer to me as 'your grandma' - but it's also good to hear that there are kids who correct their peers and point out 'no, she's LG's mum' (👍😁). The grey-haired gentleman buying golf clubs in front of us in the sports store the other day got fawned over left, right and centre. LG got asked if they were 'going somewhere nice with grandma today....' 🙄
Speaking candidly, I am glad I have hair - whatever its colour. My late mother's family had a genetic tendency to female pattern baldness and it affected the confidence of the females who inherited it in that family - because of course, comments were made......... 🙄 Any of us could suffer a medical episode that could lead us to losing our hair at any moment, society needs to be better at being supportive, not critical.
Right. Money Saving.
I should achieve a nsd today.
i shall be making the veggie version of Cocido from R0se Ell10ts 'bean book' for tea, and making a meal plan/shopping list for the rest of February. I think 'basics' alone will eat up the rest of my grocery budget.
No washing will be done today - the weather is dreich already 🙁
ta for popping by. Appreciated.
Greying X
Pounds for Panes £7,005/£10,000 - start date Dec 2023
Grocery Spend July 2025 £294.82/£300
Non-food spend July 2025 £97.53/£50
Bulk Fund July 2025 £9.10/£1010 -
Interesting how we are all different. The only thing I do is my hair. I don’t get nails done or other beauty treatments. I don’t wear make up every day. I do like my hair to look half way decent.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6 -
I was just thinking this morning that I should set up the sprouting jars as I didn’t refill them after the last lot were used (work has been busy, I’ve been living on toast and I feel rubbish). I need to come and visit you GP and live on lentils and veg for a bit as that suits me so much better!As for hair - I have had mine coloured for years (I consider it a necessary work expense) and had a year (for work) of bright magenta (it was interesting how many people called it purple when I have the Pantone number from work to prove it’s pink!). When it faded out, my hairdresser loved the white left behind (I had to have it bleached to add the pink), so I now have almost white hair - probably my gateway to grey at some point. The hair is a bit of an indulgence, but luckily I can afford it, and it has allowed me creativity during the suit-wearing years (that and shoes), and is also an image I can use at work to create a persona that separates ‘work’ me from real me.5
-
*** Pulls out the Z-bed for greenbee ***
Greying XPounds for Panes £7,005/£10,000 - start date Dec 2023
Grocery Spend July 2025 £294.82/£300
Non-food spend July 2025 £97.53/£50
Bulk Fund July 2025 £9.10/£104 -
I 'embraced the grey' during the first lockdown when enforced re-growth made me realise that my hair was nicer and healthier without the highlights. Plus it saved me a lot of money 😁 I now have grey hair with natural silver highlights and am sometimes complimented on it (although I can't take any credit for what mother nature has given me 😆).
Mr F and I have both encountered age discrimination in the past couple of years. I was called "the old woman" by electrical contractors and, on other occasions, have not been given the attention or priority I warranted from service people. Others have been well-intentioned but patronising. Woe betide those who rouse the Grey Dragon that lurks within Fortune though 😂 The last poor soul who did so was heard to say "Phew!" as we walked away.
Let's not think about them as grey hairs though - let's call them strands of glitter 🌟😁
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais7 -
LOL - I'm loving all the chat about glitter!
One day, when I don't have a work persona to maintain, it shall go au natural but for today (literally) it will be home coloured deep cherry red which gives the effect of dark copper highlights after one or two washes.
Ageism - that is a whole other topic that seems to be rampant!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!4 -
Ha, I love that 😂 My strands of glitter are mostly appearing in tufts over my ears 😂 I've dyed my hair over the years (not to cover grey, always just went a bit darker brown, apart from going an unwise shade of turquoise as a teenager 😂😂)
I actually quite like having a bit of grey hair. It bizarrely gives me a bit of confidence and makes me feel like I have enough experience to know what I'm talking about at work sometimes.
Mr Cheery is quite a bit older than me, although he doesn't really look it and doesn't have much more grey hair than me. He's had a lot of medical appointments lately though and I feel like I can sense a change in the way people talk to him (or, quite often, to me instead...) 🙄 He's not mentioned it but I'll be keeping an eye out and saying something if necessary.7 -
My friend spends a fortune dying her hair and she has to go every 4 weeks for touch ups. I didn't realise she was completely grey at 25 as she had always dyed it since i'd known her
it was only when she turned up with a beanie on one day and never took it off that she came clean
I have one streak of grey, I am 45 next week and that one streak is a nice silver so I think I will embrace it...I would like to know what you all use to tame the silver/white/grey though, as my hair for the most part is a rich glossy brown and sits nicely, and the one streak likes to stand on end and misbehave...it would be nice if it would just do the same as the rest. My DP calls me rogue (as in x-men rogue) with my one streak of silver
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
5 -
I have an aunt who started going quite definitely grey in her 20's - I take after her in a lot of ways and everyone assumed I might do the same for a while, but as of now I still have mostly mid-brown hair with - let's call it some sparkly bits appearing! I have dyed it in the past - it was black for a number of years, various differing shades of brown, and I had a couple of years of a dark purple shade which I did love and definitely ticked a box. As people might remember though I really dislike going to the hairdresser so my colouring efforts have always been out of a box at home, and I also subscribe to the "bit lazy, don't care enough to bother" philosophy, so natural colour it is now. Mum's side of the family have a habit of going the most glorious shade of silver/white so if that's where I end up I will not be complaining!
🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her6 -
Hi greying, not really shooting yourself in the foot, regarding surveys. They take a great deal of time, for very little reward! I do yougov, as you are never screened out and they arrive in my email. I make £50 every two or three years. I also play the free game on gameduell every day, because I enjoy playing them anyway, and if I win this, you receive a virtual amount of around 40p, I play against a real person and sometimes win more than 50p. I make up to £50 a year at this. Neither will make me a millionaire any time soon! The other survey sites always seem to be looking for people who spend money on things, to answer questions. Not me then, haha. When our children where little, Aunty Pat and I used to collect aluminium cans. This was "in the olden days" before recycling was collected at your door. Plastic bag hung on the back of the buggy, fill with any you found on the pavement. Then store in the cellar till you had time to squash them. Then once you had a car load, deliver them to the collection place. We made around £25 per car load. She collected more than me, we lived around a hundred miles apart. We both paid extra off our mortgages with it.
Yesterday we went shopping. The veg shop had a box with nearly a kilo of mushrooms and three large peppers for £1. Bought them along with the rest of the fruit and veg. Then into Lidl, where they had reduced one of their big boxes of mushrooms, (650gms?) by 60%. So I bought those too. Now I'm looking for ideas to use up mushrooms! Also called at the cash and carry. They had their dented cans box out. Small cans, 450gms, 10p. Medium, 800gms, 20p. Large, 2400gms, £1. And also cans without labels, 10p each regardless of size. Bought loads of baked beans, tuna, spaghetti hoops, coconut milk, kidney beans, tomatoes, ravioli, tinned fruit, condensed milk, rice pudding, etc. And some without labels, just to make life interesting.
So if you have any recipes involving all of some of the above I would be grateful.
Hugs, mumtoomany.xxxFrugal Living Challenge 2025.4
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.9K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards