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  • FIRST POST
    • foxgloves
    • By foxgloves 27th Feb 18, 3:06 PM
    • 5,327Posts
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    foxgloves
    Put away your purse & become debt-averse
    • #1
    • 27th Feb 18, 3:06 PM
    Put away your purse & become debt-averse 27th Feb 18 at 3:06 PM
    I've decided to start a diary to show that it's possible to change from a terrible money waster into a a bit of a budgeting ninja. OK, I'm not perfect....we all have slip-ups now & again....but I am proud that by my budget efforts & our surprising willingness to change from big silly spenders (we really were a pair of narnas!) to really quite sensible people, we managed to become debt-free. We paid off around 35k & really, just learned how to live differently And you know what? We really enjoy it! Turned out that all that spending & having to have stuff immediately didn't really make us happy. Who'd have thought it?
    Pre-LBM, my principles for money management were:
    1) Buy pretty much whatever I wanted when I wanted. Overdraft was seen as another word for 'more of my money'.
    2) Open bank statements, look at the balance through semi-closed eyes, carefully fold & replace in envelope & put in drawer.
    3) Tell myself bank balance is fine because it's only 3 weeks till pay-day.
    4) Always withdraw useful wodge of cash the week before pay-day just in case that pesky bank was planning to show me up in the supermarket by stopping my debit card.
    5) Never budget - why waste time on this when my own system worked so well?
    6) Tell myself not to worry about savings. They would be nice, but I 'didn't earn enough'
    That was about it, really. I didn't budget at all & made no effort to spend within my means. I lived outside my means from the age of 19 & didn't become debt-free till my 40s!
    The LBM was huge. I had it first & my partner showed initial signs of resistance, but when he saw my debts disappearing, he soon wanted in on the act & is now like a different person with money.
    Two years ago, we borrowed a modest sum to help us buy a car, We always knew this would happen & we made sure we saved up a good deposit. It was always our intention to re-pay the loan early & we did manage a nice overpayment of 2000 last year. However, our 2nd overpayment was almost ready to pay in when we had a string of expenses which we didn't want to put on credit cards, so we used our loan overpayment money to pay those. Last year was difficult in many ways & although we didn't return to our previous naughty spendiness, I think I started to lose some of my focus. Before Christmas, our Loan Pay Down Fund (LPDF) was down to just 60. Now it is already up to 421, really just from little savings, selling a few bits & bobs here & there. One thing I'm going to be really BIG on this year is 'Shopping from home', as in doing that first, to see if a spend can be avoided. I've got off to a really good start with that, starting with my new year de-cluttering & have found all sorts of useful stuff that will save me money further down the line. I also intend to do a full kitchen cupboard audit. Although I'm a DFW 'Small things' regular, I've never done a DFW diary before, so I'm going to use it to focus my efforts & get that LPDF up to 1000, then the next 1000, etc, asap. If you are the sort of person who gets excited about the contents of other people's cupboards & the satisfaction of saving a few quid here & there, then do join me for sharing ideas, laughs & moans, & I promise to throw in a few tales from my Spendy Decades - I have kept a journal for a lot of my adult life & I absolutely wince now, reading some of those diary entries about my cavalier attitude to money. I suppose they show that if I can change, anyone can! Oh well, onwards! I loved being debt-free & just a small amount of effort will mean that I can soon be again.
    F x
    Last edited by foxgloves; 27-02-2018 at 3:13 PM.
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 217
Page 79
    • foxgloves
    • By foxgloves 16th Sep 19, 12:21 PM
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    foxgloves
    Hello Diary readers,
    Oh my giddy aunt, what a morning......just me & my trusty calculator & umpteen 'helpful notes' I'd left myself since my last Big Budget Day. Today, it was my intention to update the grocery budget & get the receipts paid off our 'just for points' credit card, but then I realised that it's already 16th Sept, so I needed to do some rather bigger money faffery in the form of my regular Mid-Month Budget Check-in. And you know when absolutely nothing turns out to be straightforward? Yes, exactly that. Without going into too much mind-numbing detail, I've been waiting for a sum of money to arrive via a solicitor. I haven't been through this process before & didn't realise it would take so long. While I haven't been going mad with purchases in the expectation of this money arriving in time to pay them off before they accrue interest, there have been a few things & of course, the freezer replacement recently has been another such example. And that's not the end of it, as our intention was always to replace the fridge & freezer at the same time (all ancient) with the small freezer (just bought) & a tall fridge freezer to stand where the old shonky freezer is currently wheezing its last icy breaths. I'm pretty good at budgeting now.....well, compared to the Spendy Years, I am on a different level with it, so I've been leaving myself all sorts of little notes.....yes, we've borrowed x from such & such a pot (you know when you suddenly realise you will need to pay cash for certain things, etc), this needs paying across to 'Just for points' CC no.1 when the lump sum arrives, these 3 amounts ditto 'Just for points' CC no.2, etc................& then there was the mortgage renewal issue. Talk about timing! I'm not moaning......I could not be more grateful for what Mum & Dad left me, as it will facilitate paying off our mortgage 9 years early & that isn't something I ever really envisaged happening. However, I'm still waiting for the money (again, this isn't a moan) & our mortgage discounted deal expired at the end of August. We talked through whether to renew it with a new discounted deal as we have always done to date, but because we knew were were going to be in a position to pay off the balance in full very soon, we decided to let it default to the full interest rate. My reasoning on this was that there's generally a 200 fee for setting up the new mortgage & that if we are only paying this rate for a couple of months, it will cost us less than the renewal fee. The first of the bigger payments goes out of our account tomorrow. I'm hoping it will trigger something on the psychic plane, lol, & that there will be an email from our solicitor saying everything has now been actioned. I also discovered that although we opted to renew our breakdown cover with our existing provider & we're now into the new policy year, they haven't yet collected the payment. Anyway, I did say I wasn't going into stultifying detail, didn't I? I set up a sheet of A4 with every transaction requiring an action to keep different parts of the budget straight as well as budgeting for the replacement fridge/freezer which needs to be purchased asap so as to get shot of the broken one. Rather than keep a growing stack of post-its notes with actions to do when I receive my money from the solicitor, I decided to settle everything up from our emergency fund so that I only need to make one repayment back into it as soon as I'm able. Hopefully this will be soon & won't run into another monthly budget cycle, but if it does, it does. I've chased a couple of legal things & I can't really do much else.
    I actually feel much better after all that, because since becoming a reformed character with money, it's very important to me that I remain absolutely in control. With all those little notes regarding swaps between pots, fridge freezer issues necessitating action before we were financially ready, etc, I was starting to feel things might start to get away from me. My desk is now note-free, apart from my A4 action plan for tomorrow & I am confident that September's budget is going to hold up until the end of the month. The final week of this month's grocery budget will be assisted by the freezer saga & needing to get everything from the big old one into the first of the new ones, which is much smaller.
    It holds a lot though, as I transferred a lot over to it this morning - meal, fish, soups, all the pots of pesto I made plus bags of home grown produce, etc. Still several odds & sods in the old one, so there might be a few random meals over the next week or so.
    Oh & you'll like this.......(NOT money saving...), I've had to change cat's biscuits today because I accidentally got gin on them. Can you imagine taking him to the vet because he's acting weird & she says she can smell alcohol on his breath?!
    The sun's come out now, so I think I'll have an hour or so in the garden doing a bit of clearing. I've got dinner in the slow cooker (black bean chilli) so no further effort required than shoving a couple of jacket potatoes in the oven.
    Hope you've all got off to a good start to the week. If not, don't worry, just start your week again tomorrow, plenty of time for things to pick up.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 217
    • Sancti
    • By Sancti 16th Sep 19, 12:30 PM
    • 30 Posts
    • 131 Thanks
    Sancti
    Gingerbread gin sounds gorgeous!! Had a good laugh at the thought of Mr F flapping up and down in your garden surrounded by cloud of sawdust, you running out hoover in hand, very over active imagination but also a very funny thought.

    Have you thought about doing a loaf with some dried tomatoes in? It's one of my faves and brilliant with cheap and easy meals like bolognese, meatballs etc!
    DEBT: 3942.75/5500 (71.6%)
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    • wishingthemortgaheaway
    • By wishingthemortgaheaway 16th Sep 19, 1:43 PM
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    wishingthemortgaheaway
    Oh Foxgloves, deep breath. All will be well.

    You can ask the solicitor for an interim disbursement if you wish, it happened with a friend of mine. 10k arrived in his account about 3 weeks before the final settlement was ready. I guess it depends on what they (the solicitors) are waiting for.
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • carrielovesfanta
    • By carrielovesfanta 16th Sep 19, 4:33 PM
    • 2,206 Posts
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    carrielovesfanta
    Love that about Maths so much pointless rubbish was taught in that lesson when the time could have been spent much better teaching us useful things like interest rates, how mortgages and credit cards work and budgeting.
    Originally posted by Kantankrus Mare
    I'm the person that loved maths. The more abstract, the better. I loved all the pure maths modules in my A-levels, and I was never happier than on the fluid dynamics module at uni. Just proves it takes all sorts
    LBM 11/06/2010: DFD 30/04/2013
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    • DawnW
    • By DawnW 16th Sep 19, 4:59 PM
    • 5,790 Posts
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    DawnW
    I'm the person that loved maths. The more abstract, the better. I loved all the pure maths modules in my A-levels, and I was never happier than on the fluid dynamics module at uni. Just proves it takes all sorts
    Originally posted by carrielovesfanta

    I am part and part - I like language best I think, but did biology for my first degree, then eventually crossed over to social sciences for my masters and PhD. Never minded the stats stuff though!

    • foxgloves
    • By foxgloves 16th Sep 19, 5:06 PM
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    foxgloves
    Wish-Thanks, yes I know about interim payments - in fact, that's what my sis & I are waiting for. I'm OK. I'm not flapping about it, it just feels a bit more out of my control since our original solicitor left for a new job, as he was brill at comms. I'm sure all will be well x

    CLF - I bet you & I did very different subjects then. My nephew has just got excellent GCSE results but he clearly prefers subjects which have right & wrong answers. I much prefer something which gives me a historical, cultural or philosophical premise & tells me to discuss it. Yes, it's very true that we are all different.... yet in the grand Venn diagram of money savers, you & I do still share some interests, don't we? Same with CCL. Her specialist subject is one in which I was unable to progress beyond the first three years of secondary school....... but put us both in a Yarn shop & I think we might turn into the spendy twins, lol x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 217
    • foxgloves
    • By foxgloves 16th Sep 19, 5:08 PM
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    foxgloves
    Oooh, tomato loaf, Sancti. Sounds lovely. No I haven't tried that, but I do like making one topped with red onion & rosemary.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 217
    • foxgloves
    • By foxgloves 16th Sep 19, 5:14 PM
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    foxgloves
    Dawn - Ah.... now for all my hopelessness at maths - I sat the O-level twice & got 'ungraded' on both occasions, I was required to pass a module in Quantitative Methods at Masters level as part of my MA. It was statistics & data handling/manipulation & I passed because I'm fine with all that kind of stuff, it's the other mathsy stuff with letters in & all that ridiculous 000110110111100 nonsense which switches my brain cells firmly into the off position. Data, stats, etc, I'd even go as far as to say I quite enjoy!
    F
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 217
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Sep 19, 6:40 PM
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    HairyHandofDartmoor
    I hope your interim payment turns up soon, solicitors move in mysterious ways. I know there's nothing more frustrating than waiting for money when you're busy spending it in your head!

    I'm glad your new small freezer has arrived; you'll probably find it's more economical and efficient than your old one.

    I'm hopless at maths and loved English or history exams too . Although I managed to pass my maths functional skills level two a couple of years ago, which is equivalent to a GCSE and I was very proud of myself. However functional maths is much more sensible and useful than pure maths imho.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
    • crazy_cat_lady
    • By crazy_cat_lady 16th Sep 19, 6:48 PM
    • 5,081 Posts
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    crazy_cat_lady
    I'm with CLF - love patterns, and trends, and graphs, and logic and conclusions.
    I like the pattern and instruction side of crochet and knitting, which makes it straightforward to me.
    We have 'word of the week' as whole school literacy which we are supposed to encourage the use of. I find that hard enough to do - it's consequent this week. I barely even know what it means myself
    NST October #11 nsd = 5
    I am honestly trying my best
    • foxgloves
    • By foxgloves 16th Sep 19, 6:50 PM
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    • 32,028 Thanks
    foxgloves
    The 2nd time I sat O -level maths, there was a question which required me to ascertain the volume of a flowerpot for which a diagram had been supplied.
    I answered the question thus:
    "You don't get flowerpots this shape. However would it stand up?"
    Perhaps I thought I might get a couple of marks for my logic or gardening knowledge?
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 217
    • foxgloves
    • By foxgloves 16th Sep 19, 7:01 PM
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    foxgloves
    HHoD - You were brave tackling a maths qual as an adult. Mr F has tried to encourage me to do GCSE maths just to prove to myself I can do it, but I think I'd find it too boring & stressful. I liked the same sort of subjects as you.

    CCL - Funnily enough, I do sometimes sort out peculiar errors in my knitting by writing it down in what looks like a line of code. I know there's maths in most things, really, & I wasn't too bad at it in primary school but by my 2nd year at secondary school, I was falling behind. I had a fantastic teacher the following year & picked up a bit but then a couple of bad ones & to be honest, sitting wasting time at the back with my friends discussing the problem pages in 'Blue Jeans' magazine probably didn't help!
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 217
    • Kantankrus Mare
    • By Kantankrus Mare 16th Sep 19, 7:13 PM
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    Kantankrus Mare
    Think you've nailed it on the head Foxgloves! The teacher makes all the difference.

    I had a brillian one for my first few years of secondary and anything I didnt understand, he explained it in simple terms and I "got it".

    For my "O" level years, my teacher was dismal!! Just used to stand at front of class for first few minutes scribbling stuff on the blackboard and giving the briefest explanation. She wasnt interested in helping you if you didnt understand so nobody bothered asking.

    Me and my mate used to spend the lesson talking to the boys sat in front of us and I vividly remember our exam when she she shoved my chair during the exam from behind and we got a fit of the giggles.
    Needless to say we both got Ungraded.

    Now Blue Jeans, Jackie, My guy....I collected quite a pile of them over my teenage years. Gave them all to a younger friend. Wish I had hung onto them! Was the highlight of my teenage week.
    [COLOR="Red"]Make 10 a day challenge 2019 Jan 397.78 Feb 290.82 Apr 222.68 May 160.69 July 64.49
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    Mortgage...47,07046,09245,626.44,182,43,721,41,828
    • foxgloves
    • By foxgloves 17th Sep 19, 7:05 AM
    • 5,327 Posts
    • 32,028 Thanks
    foxgloves
    Kantankrus - What memories. Teenage mags were such a big part of our week, weren't they, back in the 70s? I used to get 'Jackie', then 'FAB 208' (I liked Radio Luxembourg......small rebellion in our household of professional classical musicians) & from there I moved on to 'Honey' & '19'.
    I still use a money saving tip from 'Jackie' magazine...... yes, I get a bit longer from my mascara by standing the tube in a mug of boiling water to soften all the product which is still in there, but stuck to the sides. I reckon I get another couple of weeks out of it (I wear make-up every day) so with mascaras from the brand I use costing between 6 & 9 each, that must be at least a tidsy saving over the year.
    F
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 217
    • cbsexec
    • By cbsexec 17th Sep 19, 10:55 AM
    • 377 Posts
    • 2,096 Thanks
    cbsexec
    Can I just say how much I enjoy reading your diary - the tips are great, the writing great. It cheers me up and makes me laugh while giving me food for thought. thank you
    • foxgloves
    • By foxgloves 17th Sep 19, 3:08 PM
    • 5,327 Posts
    • 32,028 Thanks
    foxgloves
    Thank-you cbsexec for your positive comments, I'm glad you enjoy reading my ramblings. If I manage just to convince one person who is stuck in Spendyland that it is possible to change bad habits at any age, it will have been worth it.
    F
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 217
    • foxgloves
    • By foxgloves 17th Sep 19, 6:41 PM
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    • 32,028 Thanks
    foxgloves
    Good evening Diary readers,
    Well, that was a bit formal, wasn't it? Glorious sunshine here today. Three lots of laundry successfully dried on the whirlygig & a pleasant afternoon setting about the garden with my little fork & secateurs.
    Despite these being very much the end days of summer, there are still pockets of colour in the garden - lemon yellow dahlias, cerise cosmos, tall white scabious, sunny rudbeckias & a variety of hardy geraniums still pushing out flushes of flowers. Tempting as it is just to hack back the borders & have done with it, I decided to enjoy the colour a little longer, so I've just been cutting back those plants which have finished for the year & pulling out spent annuals. It's a start, & I'm seeing lots of areas I'll enjoy replanting in the next few weeks using the plants I've got waiting in my nursery corner behind the greenhouse. The vegetable garden is the same. Mr F has lifted all his potatoes now, so that's one bed clear, but we've sweetcorn still fully to ripen & we're still getting a few courgettes & beans, though of course not at the rate we were. I've picked more chillies today, tomatoes, blackberries, grapes & two big sturdy green peppers. Spinach is ready for another cut too.
    The winter salads I sowed last week are all up so hopefully they'll put on some growth before the days darken & chill.
    I'm on my lonesome tonight as Mr F has a 14-hour shift. I'm catching up on a bit of TV & once I've fetched our cat in, I'm going to tuck up with a film.
    Hope you've all seen at least a little sunshine today. The short evenings will be here all too soon.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 217
    • Honeysucklelou2
    • By Honeysucklelou2 18th Sep 19, 12:04 AM
    • 2,006 Posts
    • 10,479 Thanks
    Honeysucklelou2
    The sun was certainly bathing hedgerows and fields in a golden glow here this evening. September is such a lovely month, makes you want to savour every moment! Dahlias flowering here, quite a few roses still and a second flush of lavender flowers.
    paydbx2019 #93 1091.17/10,100 .
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    • carrielovesfanta
    • By carrielovesfanta 18th Sep 19, 8:41 AM
    • 2,206 Posts
    • 17,564 Thanks
    carrielovesfanta
    Wish-Thanks, yes I know about interim payments - in fact, that's what my sis & I are waiting for. I'm OK. I'm not flapping about it, it just feels a bit more out of my control since our original solicitor left for a new job, as he was brill at comms. I'm sure all will be well x

    CLF - I bet you & I did very different subjects then. My nephew has just got excellent GCSE results but he clearly prefers subjects which have right & wrong answers. I much prefer something which gives me a historical, cultural or philosophical premise & tells me to discuss it. Yes, it's very true that we are all different.... yet in the grand Venn diagram of money savers, you & I do still share some interests, don't we? Same with CCL. Her specialist subject is one in which I was unable to progress beyond the first three years of secondary school....... but put us both in a Yarn shop & I think we might turn into the spendy twins, lol x
    Originally posted by foxgloves
    I loved all the subjects really, and I did do history GSCE but I'm def happiest with a right or wrong answer
    I like my history to be told to me. Preferably by Lucy Worsley or someone equally as fabulous!

    Probably best not to put us in a yarn shop... might be like letting Dracula loose in the blood bank
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31
    Student loan repaid: 01/07/2019

    SAVINGS: 8500
    Car final lump sum: 1150/6113
    • foxgloves
    • By foxgloves 18th Sep 19, 7:29 PM
    • 5,327 Posts
    • 32,028 Thanks
    foxgloves
    Honeysucklelou2 - Yes, it can be a lovely mellow & fruitful time of year. You were lucky to get a 2nd flush of lavender flowers. Mine never re-flowers even if I dead head it. I'm thinking I might take a few autumn cuttings from it though, so that will be another little job to be getting on with.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 217
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