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  • FIRST POST
    • Skint yet Again
    • By Skint yet Again 5th Feb 17, 10:27 AM
    • 3,701Posts
    • 19,371Thanks
    Skint yet Again
    Get a grip !
    • #1
    • 5th Feb 17, 10:27 AM
    Get a grip ! 5th Feb 17 at 10:27 AM
    .....25/11/2018 ......
    I have decided to update as its been ages since I started this thread and so much has changed including my priorities.....

    We gained a puppy after starting this thread and although she is a handful she has given me something to focus on and to get up for each day.

    DS split from one long-term gf and is now several months into a new relationship and started a new job and seems very happy.



    Sadly DM passed away suddenly this year and I miss her every day. Then DF was seriously ill in hospital with sepsis and almost died but thankfully he found the strength to pull through and is making a full recovery physically. We are supporting one another emotionally as a family.



    I started this thread with the focus on saving some money. That hasn't happened and I have ended up with some debt on a 0% credit card but it is being paid off as planned and I am still managing to pay all bills and still have some money to spend with friends. I am planning to start saving for an emergency fund in the new year 2019.
    Last edited by Skint yet Again; 25-11-2018 at 6:52 AM.
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
Page 2
    • Maiden Mum
    • By Maiden Mum 11th Feb 17, 12:50 PM
    • 156 Posts
    • 385 Thanks
    Maiden Mum
    Hi Skint Again. You do sound very aware and organised with your incomings and outgoings which is good. I am trying to become more like that! I am also going to make use of the fact that it is a council tax and also water rates free month to pay for my car tax at the end of this month although unfortunately that is 285 for the year as it a 16l Mondeo. I am really trying to save at the moment and wish that my own diary was on this forum instead of Mortgage Free wannabe where I put it but do not know how to change it over.
    • Maiden Mum
    • By Maiden Mum 11th Feb 17, 12:54 PM
    • 156 Posts
    • 385 Thanks
    Maiden Mum
    Savingwannabe - Hi, could you detail where that Elite shopping thread is on here - it sounds like something that could be useful as I really need to get my food shopping down!
    • bobobski
    • By bobobski 11th Feb 17, 2:24 PM
    • 736 Posts
    • 1,793 Thanks
    bobobski
    Well done on the road tax - that's great news. I got sick of paying 50 for a junior stylist to give me a basic haircut so I invested in some 8 hair scissors from Boots and have been cutting my own hair now. It takes some practice but the girls at work said they couldn't believe I cut it myself, with layers and stuff. To be honest I'm not even bothered if it looks a bit bad, if it is free!

    I agree re chicken breasts/legs - people rave about legs being cheaper but once you take the bone out and the skin off I'm convinced they're more expensive, and they're less tasty. If you have any way of going to Costco they do super cheap but super good chicken breasts - I even bought Costco's industrial sized cling film to wrap up all the breasts individually and put them in the freezer. For about 25 I got nearly a year's worth!!
    Save 12k: 2019 #31 (117.91/4,500; 2.62%) | 2018 #8 (6,826.66; house bought) | 2017 #18 (12,078.82) | 2016 #86 (8,476.09)
    Personal savings: 740.16 | Joint emergency fund: 2,250.00 | New pet fund: 30.00 | Mortgage overpayments: 40.97
    • Skint yet Again
    • By Skint yet Again 11th Feb 17, 5:30 PM
    • 3,701 Posts
    • 19,371 Thanks
    Skint yet Again
    Hi Maiden Mum blimey that's a huge car tax bill ! I had a read of your diary & wow you have had some troubles with gas / electric suppliers - hope that is all sorted soon. There are some really good threads on the Oldstyle board for cutting grocery bills & cheap meals that might help
    If you really want to move your diary maybe pm zippychick who it says at the bottom of the main page of "How much have you saved" is the board guide & they might be able to move it for you.


    My shopping budget including most toiletries & cleaning stuff toilet rolls & food is 300 a month for 2 of us (DS eats a lot of meat) and so far I have spent 158.12 and its only the 11th of the month ! I was hoping to spend less this month with only 28 days but we will see


    bobobski well done on the haircutting. I am not that brave but I have hacked at my fringe when its got too long and made a right pigs ear of it


    I've googled Costco but not sure if I'm looking at the right site - I can only see free range chicken breasts 17.99 a kg Do you have to go to the store to get the bargains ?
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 12th Feb 17, 8:41 AM
    • 14,216 Posts
    • 47,680 Thanks
    savingwannabe
    Hello Skint yet again, I hope you are feeling better.

    Savingwannabe - Hi, could you detail where that Elite shopping thread is on here - it sounds like something that could be useful as I really need to get my food shopping down!
    Originally posted by Maiden Mum
    Hi it is in the shopping forum under freebies, post two has lots of offers and they update all the time. Here's a link.


    http://forums.moneysavingexpert.com/showthread.php?t=5480021

    I pay my council tax every month rather than having a month off it makes it cheaper all year.
    Last edited by savingwannabe; 12-02-2017 at 8:47 AM. Reason: as i waffled.
    Christmas Fund 248 No spend month?
    • bobobski
    • By bobobski 12th Feb 17, 8:48 AM
    • 736 Posts
    • 1,793 Thanks
    bobobski
    I've only ever shopped at Costco in-store so I don't know if their online prices are different. I probably eat less chicken than your son though!

    For haircutting, I've used the following video but it really takes some practice: https://www.youtube.com/watch?v=RLFBhCOVx4E&feature=youtu.be
    Save 12k: 2019 #31 (117.91/4,500; 2.62%) | 2018 #8 (6,826.66; house bought) | 2017 #18 (12,078.82) | 2016 #86 (8,476.09)
    Personal savings: 740.16 | Joint emergency fund: 2,250.00 | New pet fund: 30.00 | Mortgage overpayments: 40.97
    • Skint yet Again
    • By Skint yet Again 12th Feb 17, 12:03 PM
    • 3,701 Posts
    • 19,371 Thanks
    Skint yet Again
    Feeling better today so I will probably be back at work tomorrow.


    DS went out for dinner last night so we didn't have the roast chicken so we will have it tonight instead. I found a chicken kiev lurking in the bottom of the freezer and had that with sweetcorn instead. I must remember to label stuff in the freezer. I have some leftover home made soup from yesterday for lunch today


    My bank rewards are now 3.72 and that will be it for this month as no council tax & no waste water direct debit to earn rewards. Usually it will be 8 a month.


    The elastic has gone in the allergy matress cover on DS's bed. I have found some elastic in my sewing box (which rarely sees the light of day !) and so I am attempting to sew for the first time in ages. I managed to put elastic on one corner last night and I will try and do one corner a day. Hopefully this will mean I don't have to buy a new cover & will be worth the effort.


    I haven't done any washing this weekend as its been so cold and grim outside. I only worked 3 days last week, so I have enough clean work clothes to last into next week. Its meant to warm up here in the south from tomorrow so hopefully will be hanging out weather.


    Have been making arrangements to meet with a friend for lunch next week. We are both in a similar situation cash-wise so will use a voucher or wether spoons anywhere cheap and cheerful and as I'm driving I usually ask for free tap water so will be a cheap date !


    Enjoy the rest of the weekend folks x
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 12th Feb 17, 2:19 PM
    • 14,216 Posts
    • 47,680 Thanks
    savingwannabe
    Glad you are better. Enjoy time out with your friend.

    It's nice to have a treat.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 13th Feb 17, 8:09 PM
    • 3,701 Posts
    • 19,371 Thanks
    Skint yet Again
    Back to work today. Took porridge & avoided the shop !


    Called off at Aldi on the way home and only spent 23.79 and that included dishwasher tablets & fresh salad/veg. I did a big shop last week when I knew I was feeling really ill and was gonna be at home and filled the cupboards and freezer so I should have enough food to last this week and the weekend. So far this month 181.91 / 300. (budgeted an average 60 a week so on target for 3 weeks)


    I haven't done any top up shops at the co-op since 31 Jan.
    I added up 6 trips for "milk" in January which totalled 32.32 and only 6 of that would be milk at 1 for 4 pints !


    Much warmer today thank goodness. Managed to get some washing mostly dry on the line this afternoon and now finishing on airers. Haven't used my tumble dryer for ages.
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Skint yet Again
    • By Skint yet Again 14th Feb 17, 6:22 PM
    • 3,701 Posts
    • 19,371 Thanks
    Skint yet Again
    Feeling a bit fed up today. Work was hard and I've slept for nearly 2 hours this afternoon where I feel so tired.


    Anyway I have decided to treat myself to a takeaway ...


    When I was in hospital I went over my contract minutes on my phone and instead of the usual 7 my bill was 29 Anyway, I phoned orange to check my charges and explained what had happened and they gave me 15 credit back So, I have an extra 7 in this months budget. I have ordered 1/4 crispy duck at my local Chinese which is 8.50 (the 1.50 will come from 5 buffer in my soa) and I will walk down and pick it up in 10 mins. Its only round the corner and I couldn't justify spending over 15 for free delivery !!


    I could do with the fresh air and a bit of exercise !
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 14th Feb 17, 6:41 PM
    • 14,216 Posts
    • 47,680 Thanks
    savingwannabe
    I hate tiredness too.

    Yikes, expensive phone call. Well done on getting some credit back. Good that you are going for a walk. I love Chinese but I am trying to cut back. I wish I could cook like a takeaway. My stir fries are nice but never as good as theirs.
    Christmas Fund 248 No spend month?
    • snozberry
    • By snozberry 14th Feb 17, 8:07 PM
    • 1,186 Posts
    • 2,157 Thanks
    snozberry
    I am glad that they gave you your money back. A takeaway, every once in a while, is verrrrry good for the soul
    • Skint yet Again
    • By Skint yet Again 15th Feb 17, 1:38 PM
    • 3,701 Posts
    • 19,371 Thanks
    Skint yet Again
    Thanks folks don't feel quite so guilty about the Chinese last night now and the walk did me good, cleared my fuzzy head.


    I decided to go to the co-op today rather than aldi for the few bits I needed to last to the end of the week. Got 6 free range eggs 95p, 4 pints milk 1 and cheddar cheese of the cathedral variety half price at 2.15. I managed to walk past all the chocolate around the till on offer at 1 and was very proud of myself.


    updated shopping budget 186.01 / 300.


    We are having a roast dinner later and will make some cheese sauce to go with it. DS is off to work at 9pm on nights so I will probably have an early night so I am trying not to sleep now though I am tired. I will try and get some ironing done - I usually manage 3 bits, sit down, then another 3 bits, Shame I can't manage to iron sitting down !


    The new "green" bin has arrived for garden waste to save trips to the tip and have gone "halves" with a neighbour on the cost. However its pouring with rain here so I won't be christening it this afternoon
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 15th Feb 17, 2:13 PM
    • 14,216 Posts
    • 47,680 Thanks
    savingwannabe
    I just came back from pharmacy in it. It's raining. I love Chinese it is my weakness. It is actually much better value than fish'n'chips I find.

    That's how I iron too. Also put some music on and it makes you happy.

    Don't you think it is too early to do gardening yet? All I do is mow grass mum and dad do all the rest. I am waiting for bulbs to come up. No sign of snow drops yet.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 15th Feb 17, 3:40 PM
    • 3,701 Posts
    • 19,371 Thanks
    Skint yet Again
    I don't do much gardening but when I do it has to go straight to the tip or it rots in the garden in bin bags ... yuck ! Parents are great at gardening - mine have an allotment so they are experts lol and they bring me fresh veg when they visit. I'd love to be able to grow some veg it tastes 100% better than shop bought


    I have a little light hover mower which I use to keep the grass short. It doesn't collect the grass so no heaving clippings around.


    I have lots of dead stuff in the garden that needs cutting back so that it will regrow in the spring and my roses need pruning so all that will go in the green bin.


    DS is not now in for dinner, so I have put the gammon into my slow cooker & will have some later with a microwaved jacket potato and some veg. I make a really simple cheese sauce by gently warming fresh cream and chucking in some grated cheddar. The rest of the gammon will be sliced for other meals or sandwiches & frozen and some will be shredded for wraps.


    I do like my slow cooker - I just chuck stuff in and it cooks itself and cheaper than having the oven on.
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 15th Feb 17, 3:45 PM
    • 14,216 Posts
    • 47,680 Thanks
    savingwannabe
    I haven't mowed the grass yet this year. It is waterlogged. It looks like a bog out there. I can't wait till the summer. I am going to make my garden so pretty and sit outside every day like last year. Mind you I say this every year and run out of time but this year I will for sure

    The boys gave me their slow cooker but I never use it. I chuck everything in my casserole dish. I bought some great woopsied food today and I put the meat in the freezer so I can use it when I fancy it. I love a bargain. I did buy some bunches of roses - unsold stock from Valentines and they look so pretty but did cost me 5!!!!! A naughty treat but I love them.

    In the summer I can jog on my mini trampoline and get thin again since all I have done for weeks is eat comfort food.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 17th Feb 17, 1:25 PM
    • 3,701 Posts
    • 19,371 Thanks
    Skint yet Again
    I finished a tube of face cream today. I use Nivea Sensitive Day cream and try to get it when its on offer. I usually pay between 2.50 - 3.00 a tube. I cut the tube in half when its "run out" and I managed to get another 3 days worth out of it.


    I've made an appointment to get my hair done on Monday and have the money put by for that.


    I am doing some batch cooking at the moment as the oven is on so I try and cook as much as possible at the same time to cut electricity use. I have a beef curry & some piri piri chicken breasts and some chicken & mozzarella casserole all bubbling away - smells nice !
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Skint yet Again
    • By Skint yet Again 17th Feb 17, 2:04 PM
    • 3,701 Posts
    • 19,371 Thanks
    Skint yet Again
    Have just paid my car tax 110 my previous car was 20 !


    At least I've saved for it so not a budget buster this month
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Skint yet Again
    • By Skint yet Again 18th Feb 17, 7:23 AM
    • 3,701 Posts
    • 19,371 Thanks
    Skint yet Again
    It looks like the weather is brightening so I am about to put some washing on. Have loads to catch up on and the heating hasn't been on much the last few days as its been really mild. The forecast is for 15 degrees and over next week

    I have a pack of mince which goes out of date today so I am making some chilli and goats cheese burgers for DS.
    It should make 4 burgers - so 2 meals for him. He has just got in from his volunteer work and gone to bed so he can have 2 burgers when he gets up and 2 will go in the freezer for next week

    I've decided to try and sell the wardrobe from the spare room. I had to dismantle it to get it down the stairs and its been propped up by the dining table taking up space for months now. Hopefully someone will collect if its cheap enough !
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Skint yet Again
    • By Skint yet Again 18th Feb 17, 7:45 AM
    • 3,701 Posts
    • 19,371 Thanks
    Skint yet Again
    Just updating shopping budget - popped to Aldi on way home from work yesterday for bacon bits to go in the chicken & mozzarella casserole, milk and a few other bits we needed for the weekend it came to 8.75. I bought a bag of baking potatoes which should do several meals over the weekend and next week.


    Total so far 190.66 / 300.


    As there is only 10 days left of this month I am hoping to eat out of stores / freezer and slice a big chunk off the food bill this month. We still have gammon left over which will be frozen if not eaten tonight. Am off to write out a meal plan .....
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
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