Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • kittie
    • By kittie 18th Nov 08, 1:22 PM
    • 12,444Posts
    • 79,059Thanks
    kittie
    It is tough NOW. So how are we coping
    • #1
    • 18th Nov 08, 1:22 PM
    It is tough NOW. So how are we coping 18th Nov 08 at 1:22 PM
    I started the `if things get tougher` thread in feb 2006. That thread has had over 235,000 views and it is now time to change emphasis. We are slap bang in the middle of the tough times and it is time to tread water and to look forward to a brighter future, probably in another 2 years

    Personally, I am frugal but very comfortable and have built a huge stockcupboard which will see me through several months, provided I have fruit and veg. I have a savings safety net, which I draw from every month because the only income until 2012 is from my small pension. I cycle when I can and have given my car away but we still have one car, used frugally. Energy use is minimal to maintain a good level of comfort

    All this and more, has been achieved since feb 2006 and I raise a glass to everybody in the `tougher` community and I wish you all well and good fortune as we get through this. Let us link arms and we will all survive together
    Last edited by kittie; 18-11-2008 at 1:31 PM.
Page 141
    • BigMummaF
    • By BigMummaF 21st Mar 09, 8:34 AM
    • 4,269 Posts
    • 32,002 Thanks
    BigMummaF
    Whoops! I didn't mean to take the thread off at such a tangent with adult kids paying lodge, but if it has helped others to read all the advice then I'm glad I've been useful for something! We are going to have a pow-wow once all the increases are known to decide how much each person is going to contribute, so everyone can see where the money is going.
    Things could be a lot tougher yet for us It looks like No2 will be having spinal surgery so :confused: how long it will take a) for the referral to be acted upon; b) for a date for treatment & c) recovery to be fit enough to look for work. And then.....who is going to employ someone with a recent "tricky" op when the rest of the country is looking for work
    On the 'Local Choice' milk in our MrT, I saw the chappie who is responsible for that section & he said "They've gone out of business" Such a shame because the milk was definitely a better taste as much as supporting local enterprise.
    One glimmer tho, is an idea I've had to make fire-lighters out of shredded documents. We don't have a fire or stove to burn them, but I wondered about using loo roll innerds as a casing, then burn them on the barbie I've not taken a lot of notice of how people make their bricks, so I'd welcome suggestions of whether I should mache the papier before I start, or just go au natuerelle I figured they would keep in a black bag in the shed, where the commercial lighters are anyways.....


    Last edited by BigMummaF; 21-03-2009 at 8:38 AM.
    Full time Carer for Mum; harassed mother of three;
    loving & loved by two 4-legged babies.

  • ceridwen
    Hi BigMumma

    Sorry for your spate of "bad stuff" thats going on in your lives at the moment - hope things improve for you soon. That pow-wow sounds like a good idea. I'm all in favour of households sitting down - with the bills in front of them - and perhaps a few weeks worth of grocery receipts and having a good planning session.

    While I think about it - a couple of links of interest:

    http://www.simpleliving.net/discussionforums/

    Hmmm...cant get the "aussieslivingsimply" forum up on a link from this site - but google it for another one of interest.
    Last edited by ceridwen; 21-03-2009 at 8:47 AM.
    • sandy2
    • By sandy2 21st Mar 09, 1:39 PM
    • 1,927 Posts
    • 2,781 Thanks
    sandy2
    One glimmer tho, is an idea I've had to make fire-lighters out of shredded documents. We don't have a fire or stove to burn them, but I wondered about using loo roll innerds as a casing, then burn them on the barbie
    Originally posted by BigMummaF
    I use loo roll and kitchen roll innards to make firelighters rammed with any paper/cardboard...they're fine for my woodburner, but think they might be a bit smoky for BBQ
    Sandy
    Last edited by sandy2; 21-03-2009 at 1:41 PM.
    • mama67
    • By mama67 21st Mar 09, 6:22 PM
    • 1,318 Posts
    • 16,230 Thanks
    mama67
    Just back from a trip to the garden centre - girls wanted to watch the crafting demos they were doing. Anyway I had a browse around the cheap book section and found a fab book, School Dinners by Becky Thorn, reduced to 2.99. It basically does what it says, the recipes are simple and probably mostly what I feed my lot anyway, but the little intros to each of the recipes are so funny. She grew up in the 70s, and so many of the comments sound like the ones made on here. If you see it or your local library has it in then it's well worth a browse, simply for the comments, they've really made me smile! Don't yet know what the recipes will be like, but they look pretty straightforward, and I shall be trying out several of the old school puds - butterscotch tart anyone?!
    Originally posted by mummysaver
    I have thie butterscotch tart recipe and the chocolate crunch/concrete. Got them from a dinner lady when I was at Primary school.

    At the cooking club I run at DS2's primary school the kids ask if we are making the choc concrete.
    2 adults, 2 boys ( sportsmad-big eaters) (21 & 18)
    My mother always served up leftovers we never knew what the original meal was. - Tracey Ulman
    • Charis
    • By Charis 21st Mar 09, 10:13 PM
    • 1,293 Posts
    • 13,610 Thanks
    Charis
    One glimmer tho, is an idea I've had to make fire-lighters out of shredded documents. We don't have a fire or stove to burn them, but I wondered about using loo roll innerds as a casing, then burn them on the barbie...
    Originally posted by BigMummaF
    If you are just wanting to dispose of the shredded documents, they compost down beautifully and help stop the heap becoming slimy when there are lots of lawn clippings. Just layer paper and other 'brown' compost (woody twigs, corrugated cardboard, egg boxes) with the cut grass and other green clippings.

    For a really good guide to composting see Compostwoman's guide to composting here.
    • furndire
    • By furndire 22nd Mar 09, 4:51 AM
    • 7,171 Posts
    • 31,470 Thanks
    furndire
    I would love the butterscotch tart recipe please mama67. A real nostalgia hit for the family when they visit, I think.
    • mama67
    • By mama67 22nd Mar 09, 5:45 PM
    • 1,318 Posts
    • 16,230 Thanks
    mama67
    Exactly! We're told not to throw them in the normal waste, yet there isn't anywhere else to put them, unless you go to ikea and remember to take them with you, or maybe the council tips. (I know that our council tip has a skip for flourescent (sp) tubes, so I presume the bulbs could go in that.)
    Originally posted by Gigervamp
    That is where I take mine, I showed it to the bloke that was sorting and he said to put it with the flouescents.

    However fi I ring the council and ask them what to do with it they tell me to put it into my landfill bin, even when i quoted the "mercury" thing at them.
    2 adults, 2 boys ( sportsmad-big eaters) (21 & 18)
    My mother always served up leftovers we never knew what the original meal was. - Tracey Ulman
  • ceridwen
    That is where I take mine, I showed it to the bloke that was sorting and he said to put it with the flouescents.

    However fi I ring the council and ask them what to do with it they tell me to put it into my landfill bin, even when i quoted the "mercury" thing at them.
    Originally posted by mama67

    There will always be people who dont know/care how to do their job properly - and I guess that the particular Council employee you spoke to fell into this category. There IS mercury in these bulbs and they DO need to be disposed of properly. So - I would ignore what that particular employee said myself - as if you rang back later and talked to another one you might well find that you got someone more knowledgeable this time - who would tell you that you do indeed need to dispose of them more carefully.

    Personally - I was one of the first to use these lightbulbs - but I have now swopped from them - and I have a positive stockpile of "traditional" type bulbs that should last me long enough (ie quite some years ) until something more suitable is on the market than either option.

    I do find it odd that these "energy-saving" lightbulbs are still being given away free at Eco events - but I guess everyone will "catch up" eventually with the fact that they have mercury in them/one even gets official advice to vacate the room for a while if they break (errr.....not sure what happens about cleaning them up then??)/and they are not a good idea for those with skin problems (as I gather a lot of doctors are now reporting that they exacerbate these).

    ....goes slinking off guiltily...thinking of how I threw away ones that wore out previously with the ordinary rubbish before I swopped away from them (how was I supposed to know I shouldnt?????).
    • The_Economist
    • By The_Economist 22nd Mar 09, 11:11 PM
    • 611 Posts
    • 325 Thanks
    The_Economist
    [quote=ceridwen;19945487]go on then Mr Brown - get that tax in place - the bankers cant sue the Government for that

    It will never happen. Dont forget there is a General Election coming up that costs lots of money. Mind you if he did impose the tax maybe we as a tax payer could get more appropriate help in these lean times rather than just spin.
    If i could i would, but i cannot so i wont, but maybe one day i will.
    • elona
    • By elona 24th Mar 09, 9:46 AM
    • 11,161 Posts
    • 63,546 Thanks
    elona
    Having finally talked DH into retiring early in October this year (unless it looks like his pension is getting dodgy then he willl go earlier), I have told him that we will just have to adopt the attitude that "We will manage!"

    Whether the stock market goes up or down, interest rates go up or down, house prices """""", etc.

    He would love to get our house sold and be moved before he leaves work but I doubt this will happen in the next six months so have decided to just leave the house on the market and try to forget about wanting to sell and move.

    Not looking forward to the Budget but then we never do!
    "This site is addictive!"
    Wooligan 2 squares for smoky - 3 squares for HTA
    Preemie hats - 2.
    • kidcat
    • By kidcat 24th Mar 09, 11:09 AM
    • 6,042 Posts
    • 73,181 Thanks
    kidcat
    Is it nearly budget time already? I thought it was always Oct some time, just shows how much attention I am paying.

    My DS5 has ripped his coat beyond repair yet again (four since Sept), and I cannot find a replacement in the shops, its absolutely freezing yet I can buy as many shorts and sleeveless tops as I fancy, yet not one warm coat:confused:

    Elona I think you are right to be planning your DH retirement, sometimes its best to just set a date and do something rather than waiting for the proverbial right time, I find that there is never the right time and you inevitably end up not doing what you really wanted. Good luck.
    • mardatha
    • By mardatha 24th Mar 09, 12:00 PM
    • 15,514 Posts
    • 151,441 Thanks
    mardatha
    Elona you're very wise. So many folk I know wait and wait too long and then drop dead at work or get shoved out in a nasty way and get depressed. We need to chill out and enjoy life more I think !
    • mardatha
    • By mardatha 24th Mar 09, 1:04 PM
    • 15,514 Posts
    • 151,441 Thanks
    mardatha
    http://www.reuters.com/article/newsOne/idUSTRE52N0X820090324

    Isn't this interesting ??
    • tiff
    • By tiff 24th Mar 09, 1:07 PM
    • 6,551 Posts
    • 8,597 Thanks
    tiff
    Interesting article. I also read yesterday on an American forum about ways to let the recession pass you by and one suggestion was bartering, as mentioned in that article. So you swap goods and/or services and no money passes hands.
    Last edited by tiff; 24-03-2009 at 1:30 PM. Reason: spelling
    A budget is telling your money where to go instead of wondering where it went. - Dave Ramsey
  • MRSMCAWBER
    Afternoon all

    I love the idea of this... last year one of hubbies bosses gave us loads of apples (they have trees they don't use ) all he wanted in return was a good recipe and tips for making pastry and crumble -he loved to cook, but couldn't get to grips with these
    This year -next door have given me the use of their hose pipe -they only use it to fill the dogs paddling pool occasionally and a new one out here would cost me about 50 ...so I have said that in return I will keep her in salad stuff once it gets going -she is on her own until about october -so It will have no impact on our needs.
    Now I just need hubby to have words with another guy he was talking to at work the other day who shoots and slaughters deer... to see if he wants to trade some for Home grown veggies

    Once we move back home to the UK where all my family are in the same area there will be some serious swapping going on -my mum has raised beds so grows loads of winter/root veg , I'm brilliant with tomatoes and the like, 1 brother and my uncle hunt/beat but don't use the produce as their wives won't have it in the house :confused: -so I have all that coming my way and will give game pies etc back in return.... Im really looking forward to it
    -6 -8 -3 -1.5 -2.5 -3 -1.5-3.5
    • meanmarie
    • By meanmarie 24th Mar 09, 1:43 PM
    • 5,153 Posts
    • 50,109 Thanks
    meanmarie
    Was reminded the other day that ground elder leaves can be harvested for salad, so going out to get some for dinner.

    I have stopped buying clothes or shoes, have lots of underwear which will last for ages if I don't either lose or gain weight. Most of my clothes can be used....two suits, one for funerals, the other for formal happier events, lots of cotton tops, cardigans etc...now have no interest in buying anything other than books or items for thrifty gifts in charity shops.

    Barter is a great system, don't seem to have many people interested here though

    Marie
    Weight 08 February 86kg
    • Yategirl
    • By Yategirl 24th Mar 09, 2:06 PM
    • 841 Posts
    • 3,335 Thanks
    Yategirl
    I have tried bartering before now... but never seem to have much interest which is a shame as it could work really well.
    • tiff
    • By tiff 24th Mar 09, 2:33 PM
    • 6,551 Posts
    • 8,597 Thanks
    tiff
    I think more people will become interested. More people are gardening/have allotments and therefore will have something to exchange when inflation hits us.

    Meanmarie, while youre out look out for wild garlic. Its lovely in an omelette.
    A budget is telling your money where to go instead of wondering where it went. - Dave Ramsey
    • KiWi13
    • By KiWi13 24th Mar 09, 4:11 PM
    • 144 Posts
    • 950 Thanks
    KiWi13
    Hi there, have been lurking now for over a week (thats how long it has taken me to read through all these posts).
    Thankfully at the moment I do not have any financial problems (touch wood) but am very aware that it can all change very quickly.
    I am lliving with my DH at my Mother's house where we have been for a 1 1/2 years since the rent was being put up where we were living and we needed to save to get our own place.
    We are at the moment negotiating contracts on our first house and hope to have the keys end of April if all goes according to plan.
    I've been trying to get tips off here and I certainly have had a few lightbulb moments although I am sure there are plenty more to come the more I read.

    Just wanted to say thanks to all so far and keep up the good work. Its certainly refreshing to see people who want to help others out there rather than just looking after number one!


    Kirk
    • meanmarie
    • By meanmarie 24th Mar 09, 5:11 PM
    • 5,153 Posts
    • 50,109 Thanks
    meanmarie
    Thanks tiff....have some in glorious leaf in my herb bed, use it as much as I can while its there as it doesn't last long...think that it needs splitting this year when it has flowered

    Anyone who is near hawthorn, the tiny buds are lovely in salad...we used to call it bread and cheese when I was a child, no idea why

    Marie
    Weight 08 February 86kg
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,313Posts Today

6,679Users online

Martin's Twitter