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  • FIRST POST
    • kittie
    • By kittie 21st Oct 10, 9:23 PM
    • 12,444Posts
    • 79,058Thanks
    kittie
    It may be tough for 6 years. The survival thread
    • #1
    • 21st Oct 10, 9:23 PM
    It may be tough for 6 years. The survival thread 21st Oct 10 at 9:23 PM
    I think it is time for me to start a new thread. We all know that it may take at least 6 years for this country to get back on its feet. We need to survive and we need to share survival strategies.

    can we pull together and help each other?

    Yes of course we can but please can I ask that the thread stays uncluttered so that newbies can source help and ideas quickly
Page 76
    • BB1984
    • By BB1984 8th Jan 11, 3:51 PM
    • 1,142 Posts
    • 6,335 Thanks
    BB1984
    So shattered today, I hope I'm not coming down with something as I had loads of good sleep last night. I did have a very busy week at work and went to the gym last night, though, so maybe its just that.

    Been studying all day today (bar a certain amount of distraction on here...!) and am BORED. Still, it's gotta be done. Can't wait to get it all out of the way - end of week commencing 4th April, roll on!

    Sold my exercise bike today to a man from work - 50, woo! Money for nothing really, as it's been sitting gathering dust for at least a year. I paid just over 100 for it a couple of years back, so it's a shame that the money was basically wasted, but at least I got a decent amount back for it. DH said I should spend it on myself, seeing as I bought it with my own money before we married, but I'd rather spend it on something nice to do together, or something for the house/kitchen. Any ideas? (preferably not dinner out, as I'm trying to lose weight - unsuccessfully!)

    Making a homemade curry tonight. Someone above mentioned The Takeaway Secret book - I bought it for DH for xmas but we haven't cooked anything from it yet. I hope it's better than it looks - I'm a bit put off by the lack of pretty pictures, TBH!

    Right, I'd better crack on with one last hour's push on my work before quitting for the day.

    Laters,

    BB
    "Live long, laugh often, love much"
    • ifonlyitwaseasier
    • By ifonlyitwaseasier 8th Jan 11, 4:05 PM
    • 2,787 Posts
    • 20,347 Thanks
    ifonlyitwaseasier
    So shattered today, I hope I'm not coming down with something as I had loads of good sleep last night. I did have a very busy week at work and went to the gym last night, though, so maybe its just that.

    Been studying all day today (bar a certain amount of distraction on here...!) and am BORED. Still, it's gotta be done. Can't wait to get it all out of the way - end of week commencing 4th April, roll on!

    Sold my exercise bike today to a man from work - 50, woo! Money for nothing really, as it's been sitting gathering dust for at least a year. I paid just over 100 for it a couple of years back, so it's a shame that the money was basically wasted, but at least I got a decent amount back for it. DH said I should spend it on myself, seeing as I bought it with my own money before we married, but I'd rather spend it on something nice to do together, or something for the house/kitchen. Any ideas? (preferably not dinner out, as I'm trying to lose weight - unsuccessfully!)

    Making a homemade curry tonight. Someone above mentioned The Takeaway Secret book - I bought it for DH for xmas but we haven't cooked anything from it yet. I hope it's better than it looks - I'm a bit put off by the lack of pretty pictures, TBH!

    Right, I'd better crack on with one last hour's push on my work before quitting for the day.

    Laters,

    BB
    Originally posted by BB1984
    Don't let the lack of frills put you off, that book is fantastic!!!
    OH said the Doner recipe was better than the good local van and even my mum liked the chicken one i did for her.
    Nonny mouse and Proud!!
    Never argue with an idiot. They drag you down to their level then beat you with experience
    !!
    Debtfightingdivaextraordinaire!!!!
    Amor et metus. Lac? Sugar? Quisque massa vel duo? (stolen from a lovely forumite!)

  • rosieben
    ... O yes before i forget..i made a luxury yesterday yes thats right made itfound a recipe for cream palmiers and wow they were so easy and cheap to make but totally decadent and luxurious...they have all gone but i'm sooo tempted to make some more but won't til next wk otherwise they won't be a treat anymore....if you want to know how to do them pm me as i don't want to clutter this thread with a recipe...
    Originally posted by flowertotmum
    Please post the recipe FTM and then I can link into the Grocery challenge thread recipe list or you could just post it on the Grocery challenge thread
    ... don't throw the string away. You always need string!

    C.R.A.P.R.O.L.L.Z Head Sharpener
    • gailey
    • By gailey 8th Jan 11, 4:10 PM
    • 2,303 Posts
    • 17,249 Thanks
    gailey
    Gailey, I am a Rainbow leader and the only thing they REALLY need is the shirt to pin their promise badge on. Most girls have the tracksuit in winter and the shorts in summer but the blue polo shirt with red collar is the main thing if you have to decide to buy just one thing. I also get second hand uniform to sell though not always and it's often only trousers for some reason...

    If you do have to buy new, buy it from your local guide shop - it is much cheaper than eg school outfitters.
    Originally posted by ChocClare
    Thanks guys for rainbow advice looked on ebay did seem quite pricey even on there. noticed red tracksuit and top.
    Its just so cold now would like to gte her trousers, top and trackie top if I can, shes so exited she asked if they badges like brownies but have no idea not sure they existed when I was a kid.

    I do think she will love it though.

    ceridwyn I need to research credit union more as only one I spotted was in red light district.

    Problem banks have a hold of us as most employers want wages paid by bacs into bank/building soceity. Also I think grossly unfair but lots of companies including telecoms, utilities charge customers more if they dont pay by direct debit.Most benefits cb. tax credits go into bank.

    Im no liberal socialistbut theres no moral conciounce anymore its their given right and dont think they work any harder then most of us do with jobs and usually on higher salaries too.
    Gaps getting bigger between the haves and have nots.
    Credit crunch has hit a lot of people in finacial sector, we bail them out hence why we need to do deepcuts yet its back to business as usual fuming does not really cover it.

    Hubby lost his bonus in 2009 due to credit crunch despite meeting his targets as his company decided to be cautious and wasent right to give bonues that year until they knew what kind of shape their market /business was in.

    On another personal note I just had enough of way they treat ordinary person on street. Lloyds get annoyed as they never have enough counters open and ask customers to use drop off point but no one does as no one trusts them.
    Not so much the cashiers they normally ok but if you ever have to see branch staff in little ofice to discuss personal finances they just treat you like kids and seem to look down on you.
    You get someone on phone they treat you with even more contempt. I have nothing against some things abroad but ist very hard trying to discuss problems with someone who speaks little english yet thousands of uk bank staff being laid off but we musnt forget finacial services give back so much.

    Cant wait to pay off debts as hate the hold they have over me , the way they treat me, the way they think its acceptable to ring from 8am--11pm up night 15-20times a day, try speaking to my 4year old , when you do talk to them they so nasty.

    I know po do accounts but unsure if they much better think they linked to a bank.

    Anyway must not go too offtopic just depresses me thats all tougher for some than others.

    Spoke to hubby today only sold 6grands worth of kitchens but target is 30khes worried and getting pressure off boss.
    Hes also stressing about next week. Feel like barly seen him this week as hes worked overtime and left house at 6am leaving me with kids everyday, was nice he had week off over xmas and hopefully another week next month.

    Thanks puddlglum will look just think they vilifying this man over here and dont think hes only doctor whos said this yes agree some of his research methods questionable but when you read parents of autistic kids accounts online and in america you do wonder.
    I feel mmr is just economically cheaper for nhs than single as they would offer both wouldent they.

    Dont get me wrong im grateful we have a nhs we very lucky but a lot is based on cost hence why we get worse treatment and access to drugs than other westernised countries.

    Flowertot mum-unfortuantly my ambitous plans havent materialised never get as much done as I hope infcat house seriously getting em down as lounge destroyed today, kitchen/bathroom a mess, kids have played in their rooms so they destroyed dont know where to start first as got to get their tea and get them in bed. both need bath but might get hubby to do it tommorow as hes off.

    kidcat I would be fuming as such a selfish freind-hope you betetr soon. Could kids not help a little of given some direction.
    I give my 4year old simple instructions hang coat up, put shoes away , put toys away ect.

    Hubbys had his fair share of speeding fines in past.
    I once got parking ticket for my vespa was not impressed.
    I know not all parking attendants bad but some really do love issuing tickets and are so petty.

    re cauliflower-does seem pricey especially for lidls I alwasy buy frozen broocoli and cauliflower from farmfoods and make cauli cheese also add cauli to vegetable curry.

    Save a bob or too-im having same problem need to get bigger car and trade in ours you would think simples.
    Visited 2second hand car garages last week for browse was shocked at price. We in bristol, dad says look in wales might be cheaper so thats what we may have to do as think we now only have 2grand to spend plus hopefully get grand for ours so looking to spend 2500-300o on 7seater people carrier.

    I hate carshopping

    Well sun was deceptive was freezing at park, baby managed to lose her bottle. But both kids enjoyed it as havent been in months and were wrapped up warm. now they both hyper cant wait until bedtime feel like its been another long day as 4year olds been whining shes bored a lot thank god they got each other to amuse themselves for 5mins.

    Still must not break resoloution must stay positive just feeling so tired and so much to do overwhelms me at times.
    Thinking might do pasta tonight quick and easy.

    lambbabana-curry sounds tasty let us know how it works out and maybe cost as well . see how much you saved as 2currys for us , rice, 2naans and poppodoms is approx 20quid here.


    Hope everyone has nice sat nite. hate sat as never go out and rubbish tv but got so much on planner dying to watch lot of xmas stuff as want to make that rossete bracelet kirsty made in my perfect xmas.No doubt hubby be tired and grumpy by time he gets home.
    pad by xmas2010 14,636.65/20,000:
    Pay off as much as I can 2011 15008.02/15,000

    new grocery challenge 200/250 feb

    KEEP CALM AND CARRY ON,Onwards and upward2013
    • gailey
    • By gailey 8th Jan 11, 4:28 PM
    • 2,303 Posts
    • 17,249 Thanks
    gailey
    sorry post dupicated not sure what going on with mse been very slow.
    Last edited by gailey; 08-01-2011 at 4:33 PM.
    pad by xmas2010 14,636.65/20,000:
    Pay off as much as I can 2011 15008.02/15,000

    new grocery challenge 200/250 feb

    KEEP CALM AND CARRY ON,Onwards and upward2013
    • kidcat
    • By kidcat 8th Jan 11, 4:54 PM
    • 6,042 Posts
    • 73,181 Thanks
    kidcat
    Gailey - I noticed you had childrens parties on your list and I am now in full swing of planning and prep cos both my littlies have birthdays at beginning of March, I have found a thread on here that is just starting with ideas for party planning, I have subscribed - and wondered if it may be of help to you,
    http://forums.moneysavingexpert.com/showthread.php?p=40031256#post40031256


    • Margaret54
    • By Margaret54 8th Jan 11, 4:59 PM
    • 838 Posts
    • 7,408 Thanks
    Margaret54
    Hi My dh and I joined our local credit union many years ago, and we are so glad we did. We took out a few loans over the years and saved as well. We were able to pay in more a month to save but now dh is in a different job which pays much less(but he now has a life and no stress) we can only afford to save 10 each a month. Still it is money saved. I would love to be able to deal with a credit union other than a bank/building society.
    Do a little kindness every day.
  • saveabobortwo
    Hi Gailey no luck at garage today either
    It s typical before xmas when i was nt looking for a car i see loads of them Peroduas , fiat sciento although these are not the cheapest tax band which is what im looking for , think though maybe we ve both not picked right time to go car hunting the man at the garage was having to charge all the batteries up after xmas holidays to get them all started ., tried searching through Auto trader but got to be quick hubby keeps wanting to wait to go and view them for the weekend but there snapped up then got go the night their adverts go in anyway going to keep looking hopefully one will come up ,only want onei wish you lots of luck hope you find yours too
    Last edited by saveabobortwo; 08-01-2011 at 5:11 PM.
    • kezlou
    • By kezlou 8th Jan 11, 5:13 PM
    • 3,280 Posts
    • 43,067 Thanks
    kezlou
    Your shop sounds amazing jojotoo; so true regarding the material. I tend to recycle our clotghes which to worn to give or sell. I'll have a look on the folksy site. Thanks

    Gailey know what you mean, we were supposed to have more money this month, but instead it seems to have vanished.
    Snips birthday is in february so need to start organising it.
    We've all been busy today decluttering and fixing the house. Since we made the lists, things have been getting done.
    I'm just chilling with snips at the mo, he doesn't want to be left alone, his chest is playing up.

    Been going through the freezer and making a list. OH wanted to go shopping, but i just said "we don't need anything". Think he's bored and wants us to go out, but he's too tired so i know it will be a nightmare. Told him we'll go swimming next week.

    Jackie i may know someone who can make a rug. I'll find out next week for you. I;m going to have a go at making a denim one to.

    Ceridwen as i say were an industrial town, so we NEED them to create employment, Can't believe i'm justifying power-plants, i feel so dirty saying that. *shudders at the thought".

    I used to have young savers account with a credit union, just never went back when i got older. I'm unsure about them though as last year some of the lleading members stole the customers money. These people have now been kicked out and jailed, but still scares me. Think i might see if is another local one near me, could be an idea to join. After all need to keep the local services we have going.
    • kidcat
    • By kidcat 8th Jan 11, 5:43 PM
    • 6,042 Posts
    • 73,181 Thanks
    kidcat
    Christmas tree has now been evicted thanks almost entirely to my direction annd the eldest two being co-operative. Dad has been today and finally sorted DS12 school sports shorts saga out (third pair lost dad bought new too big) and also dragged DD16 for another pair of school shoes (they fell apart before Christmas which she only remembered today when he was fixing DS6 toy - she asked him to glue them - they were well beyond repair - but had only cost 5) managing to also get a new coat for DS6 - which has cost a bomb but will be warm (major relief as I been trying to get him new coat for weeks as his old one is really too small and not warm at all- but he hates new stuff and is very difficult to persuade to change - part of his ASD) and he loves it. Sometimes his take over attitude can be a real pain but today was so grateful that someone took charge

    Have found there is no credit union locally so will have to sort out the stuff for the other one and try to fit a visit in once a week to get a savings scheme going. Dont want to DD it as am hoping to keep it quiet and not tell OH, after all thats gone on this year its important that I build a small savings pot just in case.


    • gailey
    • By gailey 8th Jan 11, 6:09 PM
    • 2,303 Posts
    • 17,249 Thanks
    gailey
    Right determined not to quit and write off the day.

    kids have had there tea and happily destroying the lounge.

    I have emptied bathroom bin just about to change our bedding and give bathroom a clean.

    I can tick off one on my list the dreaded airing cupboard shelves were collapsing under the weight really not big enough for our familys needs but all we got.
    Doesnt help may mam keeps offloading old bedding and throws on me.
    maybe its because towells and bedding are practical, maybe its because they material but find it so hard not to hoarde what i regard as useful functional items.

    So manged to fill one bin bag for fabric recycling bin at dump.
    im happy with kids bedding.
    towells ditto-some bit faded not right colourscheme but so useful.

    Our bedding only ever brought the one set which I love but the rest is donated by mam and hate it, new bedding always on th enrich list but something else comes up and we need least 3sets what does everyone else do. I try to change our bedding weekly if I can, kids bedding need more of and more frequent due to wee wee accidents.

    Think maybe get bog off set from argios in right colour for our room and get rid of rest.

    Not sure if anyone else watches rubbish programmes on some of lifestyle channels like discovery but they always have ones about extreme hoarders mostly american but hubby says finding people worse than me does not make me good.

    In addition he says my declutter book and financial books do not serve any purpose as still a clutter bug and broke hes just so harsh.
    Think he would have flipped recently but as im ill and heavily pregnant plus hes trying to be less stressy hes not.

    Im thinking time to dig out the feng sui book again and hope moving things in right directions and pairing things up will bring us good fortune. I do find I sleep better in tidy room but our bedroom is worst its been in months.

    one of the other mums went round her house its bad but hubby said I need to improve as we live in small house.
    Its not so much house is dirty its more the clutter.

    breifly googled credit union theres one big one in bristol but just one location no where near me. cant work out of you get any interest on savings as do want to save but maybe better off with bank due to compound interest but did read something about dividends and might be handy to loan from in emergancy.

    Plan to pay off and get rid braclaycard
    probably keep barclays current but ditch lloyds
    open savings account somewhere.
    got paypal credit card thats run by rbs.
    pay off loan and od so be in credit

    just cant see a way to avoid banking completly
    Also the bonuses are mostly investment arm not retail so wouldent influnece them anyway do think with all the mergers we have much less choice than we used to. did read about extra players to sector american metro bank sounded good but only in london.
    Co-op have one branch in entire city.
    hubbys with abbey taken over by santander they still useless.

    Convieniance huge factor for me I like to go into branch.

    kidcat -thanks will look at party link its not food and partybags worried about. cost of halls 40quid and need to find reasonably priced entertainer.
    Going to make the partybags myself.

    savea bob or two-when I got home all disheartened last weekend looked up local freeads round here ours is called tradeit. turns out they had a few smaller 2nd hand garages advertising there cars and where they were based which we may look into.
    Our problem is we need to part exchange as think would have problems selling ours privatly and need to find a car pronto before babies here.But some of the prices seemed more realsitic and within our budget compared to bigger garages.

    Right best put kiddies to bed and carry on with housework as hubbys due home at 9 and house looks like bombs hit it.
    pad by xmas2010 14,636.65/20,000:
    Pay off as much as I can 2011 15008.02/15,000

    new grocery challenge 200/250 feb

    KEEP CALM AND CARRY ON,Onwards and upward2013
  • saveabobortwo
    well done Gailey you ve just solved a problem
    have had our car up for sale for months now only one test drive , i think its the insurance costs thats the problem as i now have the same problem in april too the insurance will be triple as the insurance group is way high / hubbys choice of car . but its got to go and never even considered part exchanging it but that may be a better option.
    • Mrs Veg Plot
    • By Mrs Veg Plot 8th Jan 11, 6:25 PM
    • 894 Posts
    • 11,501 Thanks
    Mrs Veg Plot
    Been to town and transfered money into current account. Feel much happier now I know there is enough in there for the bills etc this month.

    OH at Doc's this morning. The examination had made his back much worse. GP was lovely though. OH now on tramadol, brufen paracetamol and gabapentin for his pain. Not bad for a man who won't usually take tablets. Unfortunatly he can not get out of the chair on his own now. Really not sure if he can physically make it into work on Mon. Will wait and see.

    v8monkey boy. Hope the new job goes well and good luck with the signing.

    Chococlaire and ceridwen thanks for the suggestions. I am going for a chocolate/danish bread and butter pudding type affair (without the bread)

    Nulabula. OH is verymuch on board although he finds some of my OS/MSE ways a little odd. On of the things he has done is learn how to make breadcrumbs the Jamie O way so that we don't wast any stale bread.
    We are definatly much more organised (although making the odd mistake as we learn). Actually go through bank statements now. Yes I know I should have done that anyway but at leat we are doing it now.

    kidkat hope you are feeling better. Next time ask your friend to pitch in.

    Gailey do you ever slow down?

    Tea tonight is a salad baked spud and frozen chicken satay skewers and tempura prawns a friend brought around on NYE that did not get used.

    Does anyone know if veg suet looks any different from animal fat suet? DD2 making veg casserole with dumplings at school and I only have animal suet. No vegetarians will be eating it and I figure if she takes it out of the box the teacher will be non the wiser. It will save me having to buy any if I can get away with it.
    I am playing all of the right notes just not necessarily in the right order .
    • gailey
    • By gailey 8th Jan 11, 6:32 PM
    • 2,303 Posts
    • 17,249 Thanks
    gailey
    you wont get the best price part exchange . look at something called glasses guide for make/model and reg and will give you garage guideprice.
    Normally you got better negociating power with garage if you pay cash no part exc but think it would cost us a lot to get ours ready for sale dent in door thanks to dshonest neighbour who drove off other week, faulty window, needs new tyre and faulty warning light.

    I think check your local freeads see if some of smaller garages advertise in there like ours.

    I know im trying to be positive but failing.
    hubbys worked so many hours this week just feel a bit alone.
    struggling with balancing house and kids this week.
    4year olds just given me guilt trip that I not spent enough time with her shes been very clingy and attention seeking since bing back at school yet took them out for couple of hours to park and shops just feel not enough of me to go around.
    she wants to watch tv and cuddle up on sofa in a minute.
    shes gets bit jealous of her baby sister at times.

    I think its fact im so tired as not sleeping and still run down poorly thats making things worse. family in wales so cant support.

    Its trying to get balance between kids and housework as hubby expects both done and doesnt always appreciate how hard 2kids are as he rarly as both by himself.

    Hopefully hubby being home tommorow will help but im sure he be glued to his emails and phone as hes under so much pressure right now so doesnt want to hear me moaning.
    pad by xmas2010 14,636.65/20,000:
    Pay off as much as I can 2011 15008.02/15,000

    new grocery challenge 200/250 feb

    KEEP CALM AND CARRY ON,Onwards and upward2013
    • witchwoopiggy
    • By witchwoopiggy 8th Jan 11, 6:36 PM
    • 658 Posts
    • 4,838 Thanks
    witchwoopiggy

    Does anyone know if veg suet looks any different from animal fat suet? DD2 making veg casserole with dumplings at school and I only have animal suet. No vegetarians will be eating it and I figure if she takes it out of the box the teacher will be non the wiser. It will save me having to buy any if I can get away with it.
    Originally posted by Mrs Veg Plot
    Veg suet looks no diffrent to beef suet

  • frugalbrunette
    Hello everyone. It looks like I have stumbled upon the very place I need to be. I don't know what to say really other than to let out all of what is circling my head at the minute.

    I guess I'm scared of all the costs spirralling. Just living costs. We have no debt at all but with me being a stay at home Mum, my husband is the breadwinner and I'm so worried that money will not stretch now.

    I am frugal. I always have been but not to the point of living frugally as a lifestyle choice an not dare I say it, because it was fashionable or fit in with the stereotype of being a housewife.

    I've embraced homecooking, making things for my home even but I feel I have so much more to learn if we're going to get through this tough time. I know I can do it it's just reading and learning so much stuff when really I need to know it now!

    We have been shopping today, basket full of fresh fruit, veg, meat, bread, milk cheese ham, yoghurts, eggs, toilet rolls, beans, pasta and spaghetti, washing powder, nappies, deoderant, no biscuits or crisps, alchohol or juices. Just what I would call basics. 75 it cost. I was mortified. We were supposed to be cutting back this week. I just don't know how we can sustain living normally, healthily even.

    I worry that I'm going to be be mocked by writing how much we spent so hope I'm not. I'm here to learn and will be searching the forum for ways of improving my budgeting skills and frugal skills.

    I just wanted to use this thread to help myself rid some of the worry. It hasn't really worked. Just made me worse to be honest but I've been told that on this forum there is so much to learn and take in. I have also been told I may become quite addicted. I hope so as I'm eager to learn. Knowledge is power and that is what I want. To take control of what happens not because some people in a suit decide on something that effects my household.

    I bought some basil seeds yesterday. I'm off to plant them as a symbol that it begins now. Me, providing and taking control.

    Sorry to have bored you all. Saturday nights aren't what they used to be huh? lol
    weight loss so far: 6lbs
    clothes neutral in 2011: fund.. 13.23
    virtual sealed pot member # 99: 5.03
    • flowertotmum
    • By flowertotmum 8th Jan 11, 7:00 PM
    • 1,029 Posts
    • 12,363 Thanks
    flowertotmum
    Please post the recipe FTM and then I can link into the Grocery challenge thread recipe list or you could just post it on the Grocery challenge thread
    Originally posted by rosieben
    OK here it is..get ready to forget the diets ladies

    Half a pound of all butter puff pastry,i used a packet
    1 and a half ounces of granulated sugar
    1 tbsp of icing sugar
    400 ml double cream
    strawberry jam
    Warm up the oven gas mark 7
    Dampen a baking tray
    Dust work surface with half of the granulated sugar
    Roll out the pastry on the sugared surface to a rectangle of 10"x12".
    Sprinkle evenly with the rest of the sugar and then roll it in gently with the rolling pin.
    Start at the short sides and roll the pastry towards the middle from both edges,to the centre until they meet,press together gently.
    Should look like rolls.
    Cut across the rolls into 16 slices.
    Put on your baking tray and flatten slightly.
    Bake in the oven for 15-18 minutes until crisp and golden,turn them over halfway through baking so they cook evenly on both sides.
    Let them cool on wire rack.
    Whip the double cream with the icing sugar until it forms soft peaks.
    Sandwich together pairs of palmiers with jam and cream...
    ENJOY....no responsibility is taken by me if you eat them all..
    Great treat..nice with fresh fruit and cream too...
    ftm
    • kidcat
    • By kidcat 8th Jan 11, 7:04 PM
    • 6,042 Posts
    • 73,181 Thanks
    kidcat
    Selling cars - have you considered ebay - set a reserve at price you expect part ex, then list all faults and damage and try selling it. I managed to sell a car that had been nothing but bother and had constantly been breaking down, had ended up parking it up for six months before selling as had originally been trying to P/X it, but found out how little they would give (garages usually off load p/x at auction so will only get pittance for it) and decided to sell it myself. I was totally honest and was amazed it sold for a lot more than p/x price. Expected guy to come back and complain but never had any bother at all. If you have cash to pay garage you will get a much better deal off them and it does bring the price down so much. My dad looked at p/x his last car as my mum didnt want the old one sitting on drive for 18 months (he did that the last two cars) and when he looked at price for p/x and price for cash, he actually would have ended up paying more!!
    If you want a guide price for car value you can look at autotrader online and they have a section to input your car details and they give you its value.
    Also last resort is to check how much your car would raise from a we buy cars type place - again if you look at p/x price v cash it may work out more effective.

    Mrs veg plot - if the teacher is as poor as my DD cookery teacher she probably wouldnt notice if you sent cereal instead!! but both suets look identical - I made the mistake of trying to make veg dumplings and non veg dumplings for a dinner party and ended up not serving them as I got the two bowls mixed up and couldnt tell the difference.


    • Fruball
    • By Fruball 8th Jan 11, 7:10 PM
    • 5,093 Posts
    • 36,653 Thanks
    Fruball
    Hello everyone. It looks like I have stumbled upon the very place I need to be. I don't know what to say really other than to let out all of what is circling my head at the minute.

    I guess I'm scared of all the costs spirralling. Just living costs. We have no debt at all but with me being a stay at home Mum, my husband is the breadwinner and I'm so worried that money will not stretch now.

    I am frugal. I always have been but not to the point of living frugally as a lifestyle choice an not dare I say it, because it was fashionable or fit in with the stereotype of being a housewife.

    I've embraced homecooking, making things for my home even but I feel I have so much more to learn if we're going to get through this tough time. I know I can do it it's just reading and learning so much stuff when really I need to know it now!

    We have been shopping today, basket full of fresh fruit, veg, meat, bread, milk cheese ham, yoghurts, eggs, toilet rolls, beans, pasta and spaghetti, washing powder, nappies, deoderant, no biscuits or crisps, alchohol or juices. Just what I would call basics. 75 it cost. I was mortified. We were supposed to be cutting back this week. I just don't know how we can sustain living normally, healthily even.

    I worry that I'm going to be be mocked by writing how much we spent so hope I'm not. I'm here to learn and will be searching the forum for ways of improving my budgeting skills and frugal skills.

    I just wanted to use this thread to help myself rid some of the worry. It hasn't really worked. Just made me worse to be honest but I've been told that on this forum there is so much to learn and take in. I have also been told I may become quite addicted. I hope so as I'm eager to learn. Knowledge is power and that is what I want. To take control of what happens not because some people in a suit decide on something that effects my household.

    I bought some basil seeds yesterday. I'm off to plant them as a symbol that it begins now. Me, providing and taking control.

    Sorry to have bored you all. Saturday nights aren't what they used to be huh? lol
    Originally posted by frugalbrunette
    Welcome to our friendly thread

    Goodness!!! Nobody will mock you here I can promise you that

    We are a friendly bunch on here and I have learned loads since I joined. I used to spend a lot more than 75 a week for 3 of us A LOT more! So don't worry - you will soon get tips and ideas here and start seeing a drop in your grocery shopping bill

    Look forward to getting to know you
  • ceridwen
    Hi frugalbrunette - and welcome.

    Can I suggest you start by spending some clicking through the links on this starter post from another thread on MSE:

    http://forums.moneysavingexpert.com/showpost.php?p=39791194&postcount=1

    and, for a start, you don't want to be making your own detergent. Laundry Gloop is way cheaper than that - check out the link starting with "Laundry Gloop..." for the recipe for it.
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