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  • FIRST POST
    • Cherryfudge
    • By Cherryfudge 3rd Mar 17, 12:10 AM
    • 2,184Posts
    • 12,898Thanks
    Cherryfudge
    Cherry takes the reins
    • #1
    • 3rd Mar 17, 12:10 AM
    Cherry takes the reins 3rd Mar 17 at 12:10 AM
    Hi everyone.

    I'm hoping I can legitimately post a diary here as I'm in the blessed position at the moment of my only actual debt being my mortgage, but I've had a huge change in my circumstances recently and how I manage it will have a big impact on our finances.

    I need to talk things through, if only with myself, and motivate myself with small money savings and accountability. For the last few years I've not kept an eye on money but I work and DH's pay has gone up so we've had enough and a bit to spare and I've got lazy with some and wasn't mentally able to face other aspects. Now that I'm in a much better place mentally, I want to take the reins and be deliberate about what I spend. I need to start facing up to this right now because we are covering costs for my Mum's estate until probate is settled. I know this isn't legally necessary but we can pay ourselves back from the estate once the paperwork goes through and I don't like the estate to be building up debt (which oddly is possible).

    A bit late tonight to launch into details about the estate so I will give a brief explanation of other financial stuff. DH and I have a couple of joint accounts and a mortgage. We have an aging car which needs to be replaced soon and is essential (DH's work and transport for a disabled relative). We are also going to a family wedding abroad in July, and have paid accommodation and air fares but there will also be car hire, food, sundries and some of the clothes still to buy. DH's income is the larger and pays all the utilities, holidays, fuel and etceteras. Mine goes into the other joint account and pays the mortgage and food, which gives me a lot of pride . I also pay for contact lenses, some donations which I don't want to stop, my phone contract and, temporarily, costs incurred trying to sort Mum's estate.

    The breakdown of where my money goes (pcm):
    Mortgage: 282.24
    Donations: 120.00
    Contact lenses: 22.00
    Phone 8.40
    Amazon Prime: 7.99
    Food for 4 adults 80.00 (pw) (approx. 347 pm)

    Income:
    Roughly 1,000 pcm (variable due to overtime)
    Bank 3 (if I get my wages transferred regularly)

    This month and possibly next I have lots of extra fairly hefty outgoings in terms of travel, paying a cleaner, insurance etc. that are all to do with Mum's estate. I will, as I said, get these back from my eventual inheritance but meanwhile I want to tread carefully and of course it will decrease what I inherit. Duh.

    To encourage myself I'm keeping this diary and would love to hear from others as I do so. I can't always see things clearly till others give input.

    Action I can see I need to take:
    Get my wages paid directly into this account so I always get that 3! Done in time for May 2017
    Cancel Amazon Prime - cancelled 7/3/17

    Little MS things I've managed today:
    Started this diary
    Taken lunch to work - overnight oats
    Mended a favourite cardigan so I can wear it in daylight
    Put myself down for 3 extra shifts. 2 of these particular type of shifts pay for a journey to work on Mum's house.

    Uh-ohs
    Forgot DH had an evening meeting so went for the quick-cook supermarket pizza which isn't best use of food money when I could have been using stuff up.
    Far too tired after a late night and an early shift, to go for a run. I know that's nothing to do with money but for lent and my waistline I'm doing C25K.
    Last edited by Cherryfudge; 31-05-2017 at 10:21 PM. Reason: Update
Page 57
    • Cherryfudge
    • By Cherryfudge 7th Oct 18, 11:08 PM
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    • 12,898 Thanks
    Cherryfudge
    Thanks TOPM, both these points are reassuring! At the moment we have a supply of wood from two gardens with big trees, though of course that wouldn't last forever. I'm thinking of a multi-fuel stove though, so we could use smokeless fuel too. It would also have a passive role: stopping the draught from the chimney!
    I'm excited to know your friend has found real savings from having time to do things herself. The exhaustion has been my main motivator, but I know I could save money by cooking from scratch. I love cooking but mostly do it at work! Meanwhile DH lives off salmon (as far as I can make out, with the occasional foray into trout ) which isn't the cheapest way to cater but he doesn't enjoy trying new recipes. You are so right, too, about the effect of overwork on mental health. When I'm tired I'm much less happy and probably don't think as well.

    Today: another NSD but I have most of tomorrow off and will undoubtedly spend as I'm going out with friends for a walk and lunch. I will report back.
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • Cherryfudge
    • By Cherryfudge 8th Oct 18, 11:25 PM
    • 2,184 Posts
    • 12,898 Thanks
    Cherryfudge
    Well, I had a super day out with a caf! lunch, gentle walk and ice cream. There was a stall selling cooking apples so I got 4 large ones for 1 which is sooooo much less than in the supermarket. They look nice ripe ones too. As I'd been to a work event for an hour before and had to go to Mr T for groceries afterwards, I'm tired now.

    Spending:
    Groceries 7.39 (possibly - lost receipt)
    Entertainment (lunch out & ice cream) 13.20
    MS:
    Beautiful cheap cooking apples
    accidentally forgot the chorizo for tonight's tea so saved a couple of pounds
    resisted nice things in gift shops
    Decluttering:
    Very little, just a few bits of paper but that's better than nothing (also resisted gift shops so didn't bring more clutter in).
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • Cherryfudge
    • By Cherryfudge 9th Oct 18, 1:43 PM
    • 2,184 Posts
    • 12,898 Thanks
    Cherryfudge
    I forgot a couple of MS things yesterday:
    Wombled 27p
    10th coin savings 25p

    Every little counts, as they say .

    I'm thinking about what TOPM said about using extra time to cook in batches. My daughter gave me a lovely recipe the other day which I want to make for work meals for next week but I feel I ought to use up some odds and ends from the freezer first so tonight may be pie of some sort, or curry.

    Meanwhile I have made myself a long list of all the things I 'ought' to be doing and have so far done all the handwashing, a load of dark washing, a phone call about getting a lock mended and a text about the stove we want to buy. I've disposed of some papers and found the quotation I was given for a loft hatch. I've emptied the kitchen bin and taken the recycling out, and filled a bag with holly trimmings that I'd struggle to compost. I've tidied under the sink and run the dishwasher (hope to run it again with cleaner and top up the salt later). It's a beautiful day so perhaps I should give in to instincts and get some sunshine while it's available.
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Oct 18, 4:33 PM
    • 6,433 Posts
    • 46,599 Thanks
    HairyHandofDartmoor
    I think a modern stove in an old house will look fine. People naturally add modern things to update old houses over the years. It's when you add an old thing to a new house that it looks all wrong. This is the advantage of an old house to my mind, traditional looks good and so does modern .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = 17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Cherryfudge
    • By Cherryfudge 9th Oct 18, 11:13 PM
    • 2,184 Posts
    • 12,898 Thanks
    Cherryfudge
    I think a modern stove in an old house will look fine. People naturally add modern things to update old houses over the years. It's when you add an old thing to a new house that it looks all wrong. This is the advantage of an old house to my mind, traditional looks good and so does modern .
    Originally posted by HairyHandofDartmoor
    That's a very good point, thanks. I think simple lines suit our house, and the big 'window' on a modern stove would also give us more of a view of the fire. We won't go for a convector stove after all as the person we're dealing with reckons the room would get too hot (it's quite a small room).
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • Cherryfudge
    • By Cherryfudge 9th Oct 18, 11:38 PM
    • 2,184 Posts
    • 12,898 Thanks
    Cherryfudge
    I'm rather annoyed with myself: I completely overlooked paying the minimum of my credit card for some reason and have been hit with a 12 fee. Of course I've paid some off now and tomorrow I need to go back into the account and work out exactly what's what, and really I ought to set up a DD to pay the minimum. I'd avoided doing so because different payments come out of different accounts but if it comes out of the wrong one I can always transfer some across.


    Other than that I've done the meter readings (need to change suppliers again and that always seems like a massive job to me), trekked to BeeandEm and got some bargains (they do jars of roast peppers for all of 1 whereas out local supermarkets only do the 2.80 ones. In other areas it's 1.40 from the same supermarket but ours isn't good at 'value' lines. The shopping was very heavy so I didn't do much more, then fell asleep when I got home.

    It was going to be curry for tea but DH had a meeting so it was hurried pizza instead, then I walked to my friend's and DH picked me up from there later - so I have some steps though not a run. Too tired to run and I have painful feet for some reason. Tomorrow is an early shift and I'm not looking forward to it much. I'm not good at earlies at the best of times and last time I did this run of shifts was immediately before I had my accident, so the associations aren't good, especially as the accident was partly due to my tiredness. Well, we'll see. As I'm not on full duties yet I may be able to make some progress on admin which will be useful as well as giving me a sense of achievement.

    Spends:
    (Yesterday) Late payment fee 12.00
    Groceries 11.69
    Household 2.99
    Gift 1.00
    MS:
    Wombled 1.04
    Assorted bargains at BeeandEm: worth a bit of a walk.
    10th coin savings 1.40
    Confession time:
    That late payment fee!
    Bought a not-very-necessary reed diffuser. A small indulgence. Only 2.99, unlike some lovely ones I've seen costing over 40!
    Decluttering:
    A bag of holly ready to go to recycling instead of filling the glass recycling box
    A handful of papers gone
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • Treadingonplaymobil
    • By Treadingonplaymobil 10th Oct 18, 5:25 AM
    • 1,767 Posts
    • 18,217 Thanks
    Treadingonplaymobil
    How annoying re the 12 charge! I get so cross when I do things like that, even if they're smallish in the grand scheme of things. Well done on all the little gains, at least you know it won't take long to 'earn' back the 12 in other little savings with wombling and bothering to get cheaper jars of food etc.

    We have decided against getting a wood burner as our sitting room (and house!) is just so tiny, but when we were looking I felt a modern one could work really well in a more old fashioned setting.
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 1st Sept 2018: 12,221.27 unsecured debt/19,940 parental loan/191,003.72 mortgage = 223,165
    • Cherryfudge
    • By Cherryfudge 10th Oct 18, 11:12 PM
    • 2,184 Posts
    • 12,898 Thanks
    Cherryfudge
    I'm not going to beat myself up about the late payment fees: I've confessed to DH (who smiled at me and said 'Don't worry, I've done that at least twice' ) and set up a DD for the minimum amount - plus I've paid off a couple more August items, but these are already in the accounts somewhere so they won't be coming off today's spending.

    Today's shift was unexpectedly good, possibly because I managed to be gainfully employed but not exhausted. Nevertheless as I have another early tomorrow I'd better be off to bed soon. It was unseasonably warm and sunny, an absolute delight, but the tiredness caught up with me and I got all gloomy and decided I wanted a dog as I miss having pets around. We still have a few non-furry ones but it's not the same. I don't think I'm going to get one, at least not for some time, but I do miss the company of an animal.

    DH and I had tea at our daughter and her partner's then on to church meeting, and chatting to people afterwards was nice so I'm fairly cheered up now. Tea was absolutely delicious!

    We did pop into the shops to get a pudding and saw they were selling a certain citrus-shaped chocolate for 75p so I bought some as stocking fillers, DH having thoughtfully checked they are in date till after Christmas. I think it saved about 9 so that was worth doing, though a colleague crept up alongside me and commented on not eating them all at once, so of course I had to explain my cunning plan.

    Spending:
    Housekeeping 4.25
    Gifts 5.25
    MS:
    10th coin savings 7p
    Decluttering:
    Some post went into the recycling but not much achieved.
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • Cherryfudge
    • By Cherryfudge 11th Oct 18, 11:29 PM
    • 2,184 Posts
    • 12,898 Thanks
    Cherryfudge
    Another quiet day - this being at work lark certainly seems to curtail the spending, though I've paid off a couple off CC bits this evening (already accounted for - three left to sort out thanks largely to DH's birthday ).

    Yesterday's blue sky gave way to today's misty dawn - but tomorrow I don't start work till 9 and that feels like a luxury! However, the early starts haven't been nearly as bad as I'd worried they might be, and once again I feel I got a useful lot of work done. the down side is I have a real mood slump when I get home This afternoon I got in a couple of hours of gardening, though, and have lots of bramble bits bagged up ready to go to the recycling centre. I've tucked the bags away between the shed and the bins in the hope they won't blow all over the road when the storm hits over the next two days. DH says he can take them away on Sunday.

    That's all the adventures for now. I picked just about the last of the blackberries, and we made a bulked out tikka masala (not with blackberries in) and shared it with A and H, which was nice. Plenty of cheap, healthy curry is always a bonus!

    Spends:
    Nuffink
    MS:
    Free blackberries from the garden
    Curry sauce supplemented with lots of freezer contents = cheap and tasty meal that was probably good for us too.
    10th coin savings 21p
    Decluttering:
    3 bags of chopped brambles
    Assorted freezer bits
    A few more bits of paper
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • Cherryfudge
    • By Cherryfudge 12th Oct 18, 11:30 PM
    • 2,184 Posts
    • 12,898 Thanks
    Cherryfudge
    I'm quite weary today: too long in front of the computer or with my head buried in files at work, but again quiet a productive day in that I had something to show for it (though not the work I'd intended to do when I went in).

    Tea was liver and bacon pie which I invented but probably won't repeat. The liver got overdone which it doesn't if I just do liver and bacon. However, it was tasty, cheap and good for us and used up some pastry that needed using. With the remnants of the pastry I made pear and mincemeat tarts which were definitely a good idea, apart from the calories.
    I have been looking for storm stories, but there aren't any which is all to the good. It's been so warm outside this evening that we could have eaten in the garden if it weren't dark and blowing a gale! It's not even been blustery, more a steady stream from the south with more forecast tomorrow, so I doubt we'll be going car-booting. I rather like the idea of staying home and baking instead.
    I did a bit of grocery shopping and DS2 has paid me back the 15 he owed me from his Dad's birthday including a 2 coin which will go in my savings pot. Not so down on arriving home from work today but it crept back in a bit later so I need to catch up on sleep.
    Spending:
    6.70
    MS:
    Cheap dinner, plus mincemeat and pear tarts with leftover pastry and cupboard food.
    Half the pack of liver frozen for another day.
    Made saut!ed kale which I'd had on holiday and is to be recommended, especially when kale is on offer as this was.
    Bought a small pumpkin to try baking it.
    2 coin into savings.
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • Cherryfudge
    • By Cherryfudge 14th Oct 18, 11:18 PM
    • 2,184 Posts
    • 12,898 Thanks
    Cherryfudge
    That was some windy weather, wasn't it? Thankfully we have no flooding here but some trees have suddenly lost all their leaves.
    We got out once the weather subsided yesterday afternoon and had a good look at multi-fuel stoves. It helps to see them in real life and one of the staff was particularly helpful, so I now feel a bit more clued up. Who knew there was so much to stovedom? Anyway we think we have chosen: the one the installer recommended but it's more our choice now. There was a really nice one for about an extra 400, but I'm not going to try to justify that when I do like the one we're going for and I'm not going to spend hours staring at it (I hope).
    I also took advantage of having the car to hand and bought some plants for the wall boxes, and bulbs for spring flowers.
    We've made a bit of actual progress on the house, too. I got DH to help me take all the sofa covers off, wash them and get them back on. It was such an amazingly blowy day yesterday that the last couple of loads were left on the line but the first ones were already back on the furniture. This last bit wasn't so clever, though, as it was raining heavily all morning: I rescued the cushions and only the outside seemed wet. They're now all dry and back in place. Other than that we took the garden rubbish to the recycling place so it's all slightly tidier out of doors.
    Today there's not much to report. DH persuaded me to go for a run and I managed 3K which isn't too bad when you consider how long I did nothing. Apart from that it's been church, cooking, knitting, telly, reading and computer games - how nice weekends off should be. Lots of chilling, really.
    For some reason I suddenly got swollen glands late in the evening, which woke me up so I'm a bit short of sleep but the glands are better. At the same time DH got a tickly throat which has persisted so I suppose Autumnal lurgies are coming out of hiding.
    Back to work tomorrow. I was supposed to get days off on Tuesday and Wednesday but that isn't happening so I'm hoping to talk the management into letting me have Friday instead, so I can be home when DH is recovering from a procedure he has booked.
    Nothing else to report on the financial front: there won't be a lot to go off the mortgage this month and I need to think about paying for the stove work in the next couple of months too. There is enough in savings but I don't want to put too much strain on them before my money from Mum's estate is finally sorted (still all waiting on me sorting the rest of her house).
    13/10/18 Spending:
    Housekeeping 27.92
    Garden 14.96
    MS:
    BOGOF on bulbs for the garden
    Decluttering:
    Garden waste gone
    Tidied some stuff from the bedroom into the loft (okay, no less stuff but bedroom is tidier and this is summer clothing and some of DD's things that went into my room temporarily when DS2 took over her room back in the spring).
    Last edited by Cherryfudge; 14-10-2018 at 11:21 PM. Reason: typos
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • Onebrokelady
    • By Onebrokelady 15th Oct 18, 12:01 AM
    • 1,082 Posts
    • 5,901 Thanks
    Onebrokelady
    Cherryfudge the pear and mincemeat tarts sound yummy,Im with you on the kale,I toss it in oil sprinkle it with a bit of salt and sugar and bake it in the oven it tastes like crispy seaweed from the Chinese
    I hope you aren't coming down with a lurgy there are some horrible ones about
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 1,519 Total Now Owed = 16,111
    Emergency Fund = 300 Xmas savings = 190
    • Honeysucklelou2
    • By Honeysucklelou2 15th Oct 18, 1:19 AM
    • 1,238 Posts
    • 5,924 Thanks
    Honeysucklelou2
    The pear and mincemeat tarts sound delicious.

    That's great that you have been able to decide on a stove.
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • Treadingonplaymobil
    • By Treadingonplaymobil 15th Oct 18, 5:15 AM
    • 1,767 Posts
    • 18,217 Thanks
    Treadingonplaymobil
    Pear and mincemeat tart sounds excellent! I have some pastry in the freezer and some old mincemeat from last Christmas... <ponders>

    We have had autumn colds kicking around our family for weeks now, and I'm so keen to see the back of them. I've taken to diffusing essential oils that are meant to be good for general bug-zapping, and trying to get everyone stuffed full of fruit and veg and into bed nice and early, in the hope of boosting their immune systems slightly.
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 1st Sept 2018: 12,221.27 unsecured debt/19,940 parental loan/191,003.72 mortgage = 223,165
    • Cherryfudge
    • By Cherryfudge 15th Oct 18, 11:40 PM
    • 2,184 Posts
    • 12,898 Thanks
    Cherryfudge
    Pear and mincemeat tarts all round, then.

    Lots of people at work seems to be going down with colds, and DH, who had the same symptoms as me about a week before, is taking a tissue of Olbas oil to bed to help him breathe. I'm okay today but I know he had a few days between the bad throat and the spread of symptoms so I'm not saying I've escaped it. TOPM, thanks for the reminder, I'm having vitamin C and zinc before bed.

    Today was the last really early shift for a few weeks, though I'm in at 8 tomorrow for training. I got my Friday off, which I'm glad of. It will give me a break but also enable me to keep an eye on DH as he recovers from his hospital appointment.

    So today: work, then not quite tired enough to fall asleep so I threw some laundry in (it's now hanging around drying as I haven't given in to temptation and put the tumble drier on), had a chat with my neighbour and went to the shops. A few groceries and some makeup later, who should show up but DH, so I got a lift home. After tea J and L turned up with a gift for DH (L's brother gets samples from a 'good brand' through his work) and I suddenly remembered I hadn't given people the gifts we brought back from holiday, so that happened too. By then instead of falling asleep as I had been half an hour earlier, I was wide awake so a bit of ironing got done.

    Spending:
    Toiletries 10.74
    Housekeeping 11.00 approx (DH contributed a handful of change, the self-service till refused to acknowledge some of it, I put another 1 in, the assistant came along and said it was playing up and refunded us a lot of small coins... which I'm hoping all comes out even).
    MS:
    Some bargains in both the above.
    10th coin savings 25p (that brings this pot to 33.40)... it didn't grow at all while we were away so maybe I ought to put bigger coins in for a bit, or make it every 9th coin left in my purse at the end of the day?
    Confession time:
    The makeup wasn't strictly necessary. I bought cheap mascara a couple of months agao and it's hard to remove so I'm trying another with a different eye makeup remover.

    It's more than time I was in bed as I'm needing to be up early again: it had better be a quick bath tonight.
    Last edited by Cherryfudge; 15-10-2018 at 11:45 PM.
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Oct 18, 8:58 AM
    • 6,433 Posts
    • 46,599 Thanks
    HairyHandofDartmoor
    I get very down when I'm overtired Cherryfudge. It's amazing what a difference being tired makes to the mood. I've noticed you post on here quite late sometimes so maybe you're not getting enough sleep? I like to get my light out by 11pm if I have to be up at 7am the next day. I get miserable without my eight hours sleep.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = 17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Cherryfudge
    • By Cherryfudge 17th Oct 18, 12:16 AM
    • 2,184 Posts
    • 12,898 Thanks
    Cherryfudge
    I get very down when I'm overtired Cherryfudge. It's amazing what a difference being tired makes to the mood. I've noticed you post on here quite late sometimes so maybe you're not getting enough sleep? I like to get my light out by 11pm if I have to be up at 7am the next day. I get miserable without my eight hours sleep.
    Originally posted by HairyHandofDartmoor
    I think a good 80% of it is lack of sleep, Hairy. I'm terribly late and that thing about gradually working towards an earlier night doesn't seem to work for me. I have a routine for getting to sleep which usually works but I do have to be sufficiently tired at the right point or I can lie awake till 3am or later. I used to work nights so I don't think that helped: I learned to go right through without going to sleep. That said, it was wonderful immediately after our holiday: my body stayed on far eastern time for some days so by 8 in the evening I was ready to sleep!

    Today was mostly work, followed by a visit to the physio which was, as always, helpful. She's going to refer me to the scar clinic (I never knew there was such a thing) as I'm having a few issues with the remnants of my op. We also discussed what physical components of work I'm ready for, which isn't yet all of them but the range is extending.

    Pizza for trea then an evening at my friend's house. I've signed up for a Christmas flower arranging demonstration: J did a similar thing to make a wreath last year and it was very effective. I think I'm going to put that under 'entertainment' as it's not really a hobby.

    16/10/18 Spending:
    Entertainment 10.00
    Housekeeping: 3.?? (check receipt) +2.50
    MS:
    Wombled 3p
    10th coin savings 20p
    Decluttering:
    Half an hour or so tidying in the garden.
    I'm getting into the habit of tidying the kitchen before bed and I put a lot of now-dried laundry away.
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • Honeysucklelou2
    • By Honeysucklelou2 17th Oct 18, 4:07 AM
    • 1,238 Posts
    • 5,924 Thanks
    Honeysucklelou2
    The Christmas flower arranging sounds good. I am always amazed at how people make a few cutting of evergreens look good.
    paydbx #93 929.08/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • Cherryfudge
    • By Cherryfudge 17th Oct 18, 11:05 PM
    • 2,184 Posts
    • 12,898 Thanks
    Cherryfudge
    The Christmas flower arranging sounds good. I am always amazed at how people make a few cutting of evergreens look good.
    Originally posted by Honeysucklelou2
    I am torn between leaving the holly and ivy for a couple of months (and inevitably till spring) in order to have some for Christmas, and having a tidy hedge as an 'easy win' in an otherwise scruffy garden.

    This morning I had a lovely long sleep then spent hours on DS2's computer game, pausing only to open the door to a meter reader and some people to fix a difficult lock. Eventually I felt guilty enough to get up and do some work, which came in the form of about three hours of gardening. There is now a fairly good 'clear' patch but there is such a network of ivy down one side of the garden that I can't call it really clear until I can see clean soil. Every time I pull a handful of ivy out, it brings home to me how hard it is to get it all.

    I've put the mixed fruit for the Christmas cake to soak in brandy! DS2 and I inspected it and ate all the sultanas that still had stalks on, then had a discussion on getting drunk on fumes. He refused a fourth soaked sultana in case it made him unfit for duty in the morning. I hasten to add he's in his twenties... I'm not being a bad influence on a toddler.

    Dinner was from the freezer so it was going to be an NSD but we had a church meeting and stopped on the way back to buy bread... at a cost of 1.01, of which DH contributed the 1 and I contributed the penny! I wonder how many people have lost out on an NSD for the sake of 1p?

    Spending:
    Housekeeping 0.01
    MS:
    Dinner from freezer
    a small handful of blackberries from the garden
    Clear space makes the garden look better and cost nothing
    10th coin savings 30p
    Decluttering:
    3 big bin bags of bramble and ivy for the recycling centre.
    Last edited by Cherryfudge; 18-10-2018 at 8:38 AM. Reason: Frgot to do 10th coin savings
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • Lucifa73
    • By Lucifa73 18th Oct 18, 10:56 AM
    • 7,501 Posts
    • 9,799 Thanks
    Lucifa73
    Can't remember if I ever actually popped on and said 'hi' - I've been following your journey for a while now and find your energy very inspiring.

    I have a question - how does the '10th' coin work? Do you randomly count out the coins and take whatever you pull 10th or do you line them up in order of value and then take 10th? Potentially a little OCD here but I have learned to roll with it...
    Tesco CC 020718: 3502.86/240918: 3172.14 9.44%
    Surveys 2018 cashed 14.84/cleared 21.45/pending 0.90... (plus 600 YouGov points...)
    2018 challenges: 50ps challenge:19.00 5ps challenge: 4.10
    SPC 2019 #073


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