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Turning Straw into Gold: Creating Long Term Security & A Solid Home

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  • Blackcats
    Blackcats Posts: 4,882
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    so the sticky toffee brew was a cosy autumnal treat and our team had a resounding victory so that was a nice afternoon. We have a season ticket so no "new" money was spent. Seems like the jigsaw is ready and waiting for you 😉.

    The painting sounds lovely and is already giving you joy. I'm glad it was waiting for you in the shop, We've just ordered a canvas print of a photo we took on our recent holiday. Lots of golds, reds and greens and we have created an original picture with personal meaning for £35.

  • MillQueen
    MillQueen Posts: 577
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    That sounds like a very pleasant day @Blackcats, and extra satisfying that you didn't have to spend additional money to enjoy it. Things like season tickets are really worth it if they bring you repeated enjoyment. Tonight I have had the last of a pack of alphabites that were in the freezer, which I had bought when they were reduced, as I wanted some junk food this evening. Tomorrow I need to make a mushroom risotto/rice stronganoff sort of thing, as I have few packs of yellow sticker mushrooms that need using. I also plan to walk into town again for some exercise. I forgot to say I also went to Home Bargains today to get freezer bags so I can made some meals, and I got a microwave egg poacher for £1.29, so that will increase the possibilities next time I manage to get some yellow sticker eggs.

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£6,900 (Nov 26)

    Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£8,900 (Nov 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,620 (Oct 26)

    Jan 27 Tax Fund: £3,000 / £3,298 (Nov 26)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

  • ellenvan
    ellenvan Posts: 547
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    Glad your painting was still waiting for you.An excellent use of £10 and it's really a charity donation to.

    Small treat items have to be in the budget in my opinion. Life can't all be just essentials.

    You're doing so well on the food budget.

    I tend to stick to the same food items each week. I do vary if a really good offer on Tesco clubcard, then I stock up.But you are having a very varied diet.

  • MillQueen
    MillQueen Posts: 577
    500 Posts Name Dropper Photogenic
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    @ellenvan, small treats are nice, I agree. I think I enjoy them more now as well, as before I'd have just bought whatever I wanted any time I felt like it. I like the adventure of the yellow sticker shopping as I never know what I'm going to end up with - the element of surprise 🤣. Your organisation with buying the same things must create a very safe and predictable food budget and you will know the staples you like. I appreciate your kind support of others, consistency and sensibleness, built up over a long period of time.

    This morning I am doing calming free things - hanging up the washing on the drying rack, washing the dishes, putting the recycling into the right bins. I find these weekend re-set routines really soothing and I like the idea that I am taking care of what I have. The temperature of the house is very comfortable, so I am going to set the thermostat half a degree lower and see how that goes, to find the temperature that best maximimes cost and comfort. I have a book on Borrow Box to read and need to do some work on my training project, and also do a few bits of cooking, I don't think I fancy going outside today.

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£6,900 (Nov 26)

    Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£8,900 (Nov 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,620 (Oct 26)

    Jan 27 Tax Fund: £3,000 / £3,298 (Nov 26)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

  • MillQueen
    MillQueen Posts: 577
    500 Posts Name Dropper Photogenic
    Forumite

    I have done some jacket spuds and I'm now having one for lunch with tuna mayo, and a couple of sliced up yellow sticker pears that needed using up. It's one of those small things, but I really enjoy cutting up fruit and eating it off a plate. Feels like I'm doing something good for my health and finances 🤣.

    I could do with making something more substantial later, but I'm struggling a bit for motivation, so it may end up being mushrooms on toast for tea rather than anything more complex.

    I have arranged on Tuesday night to look at a local gym, with a view to joining, as it's only a 5 minute walk from my house. It's £35 a month and is one of those small independent ones, where someone has just hired a warehouse and put a load of old equipment in it and offers circuit and cycle classes, and it will be full of non trendy people. I could have joined a chain one, but the benefit of this one is that it's right near my house. I am much preferring a luxury gym with a pool, but that's not currently in my budget or time commitment to be able to get to a nicer one and get the most from the expenditure.

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£6,900 (Nov 26)

    Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£8,900 (Nov 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,620 (Oct 26)

    Jan 27 Tax Fund: £3,000 / £3,298 (Nov 26)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

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