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
    • redofromstart
    • By redofromstart 31st Jul 17, 7:37 PM
    • 1,761Posts
    • 10,593Thanks
    redofromstart
    <<<out of cheese error>>>
    • #1
    • 31st Jul 17, 7:37 PM
    <<<out of cheese error>>> 31st Jul 17 at 7:37 PM
    New name, new diary, new approach! I regularly read, and sometimes post, on the diaries of others but haven't started one myself as it is such a public thing to do. Anyway I need to stop drifting and get our finances back on track before we run out of cheese.


    Family is:
    Me - PT, self employed, bit of this bit of that. Currently on a PT contract with a few months to run.
    OH - generally works as a consultant and has a famine or feast income. On a rare direct employed contract at the moment
    DC - two boys


    Biggest challenge is a huge mortgage, taken out in the days of huge lending and post retirement mortgage dates. Stuck on high SVR as we haven't managed to both be in secure employment at the same time for years. The plan was to overpay and reduce the term but life got in the way a lot.
    10 years of chipping away at it may mean we can now try to remortgage but the barriers are two debts that I need to deal with so that they do not impact on affordability.


    Debt 1 is a student loan, £840 left at £94 per month - 1.5% interest (maybe?)
    Debt 2 is a 0% credit card, £2500 with over a year left to run. This is a carry over from the last famine, and has been reduced from a total that was closer to 15k.


    We do have a couple of months mortgage in savings, but that is the 'emergency job switched off fund' and is generally untouchable.


    OHs works full time and his wages cover the mortgage, and basic outgoings. Its up to me to generate the income for overpayments and debt clearing . I have to work round the boys as we don't have family local or any childcare in place.


    This diary is to try and keep me on track, before the big red lever turns the mortgage off. If we can remortgage, even with reducing the term to his retirement date, it knocks £200 a month off our payments which is a huge amount of leeway next time the famine hits.
Page 32
    • MrsChaos
    • By MrsChaos 2nd Jan 18, 5:40 PM
    • 2,061 Posts
    • 41,482 Thanks
    MrsChaos
    Thank you. I'll have a look, but will also check what's available in the Body Shop - £5 voucher to be used by tomorrow.
    • redofromstart
    • By redofromstart 2nd Jan 18, 8:14 PM
    • 1,761 Posts
    • 10,593 Thanks
    redofromstart
    Thank you. I'll have a look, but will also check what's available in the Body Shop - £5 voucher to be used by tomorrow.
    Originally posted by MrsChaos
    I really like their pumice foot scrub, must dig that out and do something about my delightful feet too. What I really want to do is to book a spa day with full body scrub and pedicure. Meh! Stupid dentists bill.

    As part of my freezer tidy I found a few bags of generic 'value' type white fish. I sometimes use this to bulk out a fish curry but fancied trying something else. This recipe seemed like a good starting point and as always it got adapted to what we have available. I added red and yellow peppers and baby plum tomatoes to the crushed potato base as that went into the oven. For the topping I used the inevitable chipotle chilli flakes, smoked paprika and half a raw red pepper to flavour the oil/vinegar/garlic base which got whizzed in the little blender. The fish was still slightly frozen when it went in the oven which made it easy to spread the sauce on. I checked after 20 minutes and it was piping hot in the middle. I served it with some butter soaked thinly sliced saute leeks to make sure we got enough veg in. A hit for me and him, a miss for the boys who don't like fish.
    • Seasidegal58
    • By Seasidegal58 2nd Jan 18, 9:14 PM
    • 1,980 Posts
    • 12,216 Thanks
    Seasidegal58
    Oh no - Iíve just had my diet soup and crackers - now Iíve read about your fish! And on the TV Mary Berry is making Scottish Cranachan!

    Iím starving now!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • redofromstart
    • By redofromstart 3rd Jan 18, 8:18 AM
    • 1,761 Posts
    • 10,593 Thanks
    redofromstart
    Sorry seaside- it was at least a healthy meal rather something dripping in cheese.

    Last day off for the boys today so they need to actually get up. Vague plan to go to local small town cinema to see the star wars film. £12 for the three of us so not too bad I suppose.
    • MrsChaos
    • By MrsChaos 3rd Jan 18, 10:13 AM
    • 2,061 Posts
    • 41,482 Thanks
    MrsChaos
    I've got the film on my wish list as well, but can't seem to get my act together. It would be £11 for me and DS2, so you're definitely getting a good deal.

    Going to work in a bit for a quick classroom clean and tidy (and hopefully coffee with a friend).

    The recipe might work for us, as we all like fish. Although OH was asking straight away why the potatoes have to be crushed, as he couldn't see the point. He's not fond of potatoes done in the oven, other than proper roast potatoes.
    • redofromstart
    • By redofromstart 3rd Jan 18, 10:26 AM
    • 1,761 Posts
    • 10,593 Thanks
    redofromstart
    I've got the film on my wish list as well, but can't seem to get my act together. It would be £11 for me and DS2, so you're definitely getting a good deal.

    Going to work in a bit for a quick classroom clean and tidy (and hopefully coffee with a friend).

    The recipe might work for us, as we all like fish. Although OH was asking straight away why the potatoes have to be crushed, as he couldn't see the point. He's not fond of potatoes done in the oven, other than proper roast potatoes.
    Originally posted by MrsChaos
    They cook faster crushed, they were like roast potatoes but all crispy edges - my favourite. I used normal maris pipers cut into large cubes rather than skin on new pots. HTH
    • MrsChaos
    • By MrsChaos 3rd Jan 18, 5:01 PM
    • 2,061 Posts
    • 41,482 Thanks
    MrsChaos
    Thank you. Going to try your recipe tonight, using chicken rather than fish. There will also be some garlic bread and either a salad or cooked veggies on the side.

    I managed to use my Body Shop voucher: Foaming facial wash £3.60, scrub/mask £6 and a smoothing serum reduced to £1. With the exception of the serum it's all stuff I needed, although I replaced one product with 2. Still, for £5.60 I'm not complaining.

    ETA I cooked the peppers and tomatoes in a separate dish because not everyone likes them and steamed some broccoli and cauli. DS1 and I were very impressed, DS2 said it was ok and OH asked not to have it again (even though he cleared his plate). Eventually I will find things for all of us...
    Last edited by MrsChaos; 03-01-2018 at 10:38 PM.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Jan 18, 10:08 PM
    • 4,397 Posts
    • 30,458 Thanks
    HairyHandofDartmoor
    Did you get to tbe cinema? £12 sounds good for three people. Hope the boys enjoyed their last day off.
    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.
    "Tough times never last, but tough people do" - Robert H Schuller
    • redofromstart
    • By redofromstart 4th Jan 18, 4:29 PM
    • 1,761 Posts
    • 10,593 Thanks
    redofromstart
    HHoD - yes we went to the cinema, it's £4 a ticket in the tiny odeon in local small town which I can just about live with compared to the £30 or so to go to the newer place.

    MrsC I share your frustration, I have given up on finding a proper plated meal that we will all eat.

    Back to work and school today, so much teenage grumpiness from them, and too much driving tiredness from me. Forgot to get something out of the freezer for dinner so I am fast defrosting a bit of steak which will be served with a mountain of mushrooms.
    • MrsChaos
    • By MrsChaos 5th Jan 18, 8:14 PM
    • 2,061 Posts
    • 41,482 Thanks
    MrsChaos
    Hope you had a better day today. I dread getting my teen ready for school on Monday - instant grump guaranteed. Work today was ok - just health & safety training.

    Dropped on some RTC turkey steaks and pork fillet in Mr T's (went in for milk). Boys enjoyed some of the steaks for tea and I'll dig out some recipes for the fillet.
    • redofromstart
    • By redofromstart 6th Jan 18, 9:34 AM
    • 1,761 Posts
    • 10,593 Thanks
    redofromstart
    I quite like pork fillet but OH isn't keen - tend to make this delia stroganoff if I spot some suitably reduced. It's good base sauce, or even by itself if you bulk up the mushrooms.
    • MrsChaos
    • By MrsChaos 6th Jan 18, 12:17 PM
    • 2,061 Posts
    • 41,482 Thanks
    MrsChaos
    I was thinking about Stroganoff - thank you for the link. Might do the mushroom version for me sometime. A friend in Germany cooks the diced fillet in the oven in a chili cream sauce and serves it with pasta, but unfortunately I'm the only one who likes it. Not overly keen on pork myself and neither boy appreciates onion or mushroom, so I'll have another look for ideas.

    Turkey steak with garlic bread and salad went down well, and so did the omelettes for me and OH - his with bacon, mushrooms, cheese and toast on the side, mine with just a bit of cheese and a heap of stir-fried veggies in soy sauce and a dash of sesame oil.

    ETA This looks like it might work. https://www.bbc.co.uk/food/recipes/roasted_fillet_with_98290
    Last edited by MrsChaos; 06-01-2018 at 12:54 PM.
    • redofromstart
    • By redofromstart 6th Jan 18, 8:47 PM
    • 1,761 Posts
    • 10,593 Thanks
    redofromstart
    Yum, that looks good. Neither of my boys will eat onions or mushroom, although DS1 is a bit more willing to try things these days.

    Dinner was cottage pie, comfort food for a day when my feet never actually quite defrosted despite socks and my old lady sheepskin boot slippers.

    Experiment of the day was pudding, DS1 wanted stodge but I am short on eggs and energy so we compromised on a use it up pudding:

    Use it up bread and butter pudding:
    Remove half a tin of value custard (save to serve alongside, or to have with bananas next day) and top the tin up with milk to make a thinner custard. Butter 4 slices of bread (depends on the size of your bowl), spread with mincemeat and cut into quarters. If you haven't got mincemeat use a handful of dried fruit and a few spoons of sugar in your layers instead, or use leftover teacakes or fruit bread. Grease your bowl, layer in the bread and the custard till it is all used up. Let the custard soak into the bread for a bit, then give it 20 minutes at 180. DS1 ate it hot with the last spoon of extra thick cream and pronounced it perfectly acceptable although he prefers it made properly.
    • MrsChaos
    • By MrsChaos 6th Jan 18, 9:14 PM
    • 2,061 Posts
    • 41,482 Thanks
    MrsChaos
    The pudding sounds lovely - we have lots of bread and half a jar of mincemeat. No tinned custard, but a sachet of instant stuff. Can see this happening tomorrow.

    In the end I cut up the pork, seasoned as in the recipe and pan fried it. Deglazed the pan with cream, added seasoning (not enough) and forgot the chorizo. Returned the pork to the pan to heat through and mixed the lot with some cooked pasta. If I was to make it again, I would probably add some other form of liquid. It was very rich (I had the bit of surplus pasta to try it).

    I also bought some mince for a cottage pie later in the week. More reduced stuff at Mr T - tubs of garlic and herb philly and packs of branded sliced cheese for 30p, both with more than two weeks left before their use by date. Also nice orange juice for the boys.
    Last edited by MrsChaos; 06-01-2018 at 9:20 PM.
    • redofromstart
    • By redofromstart 7th Jan 18, 8:25 PM
    • 1,761 Posts
    • 10,593 Thanks
    redofromstart
    MrsC Good buys in MrT - they never seem to have much reduced here, or if they do its 10% off. Didn't Elaine do a melting moments recipe that used custard powder?

    Pot roast beef again today, so a nice roast beef dinner and variations on that theme for dinner. Remembered late on that DS1 is baking at school tomorrow and had to try and cobble something together from stores that met the criteria, ended up making cherryfudges gingerbread syrup for him to soak his base cake layer in as he is making a kind of banana and gingerbread trifle. Its something different to try, and it ticked the 'skills' boxes on the brief without going out and spending on non essentials.

    I had great plans for today but tiredness and fibrofog won. I did drag myself outside to feed the birds and on the way spotted honeysuckle, cyclamen, snowdrops, primroses and hellebores all flowering or about to flower which made me happy.

    ETA finally charged my fitbit, it has just buzzed for my 10k steps. Amazing how the pottering adds up.
    Last edited by redofromstart; 07-01-2018 at 8:27 PM.
    • NoOneAround
    • By NoOneAround 7th Jan 18, 8:34 PM
    • 1,755 Posts
    • 8,555 Thanks
    NoOneAround
    Happy New Year Redo, Hope its a good one for you
    You sound as busy as ever. I Like you aims list esp the looking after yourself bit and it'll do clothes - I have cupboards full to the brim and nothing to wear! Still haven't sat down and updated my list of goals yet, life still getting in the way.

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • MrsChaos
    • By MrsChaos 7th Jan 18, 11:04 PM
    • 2,061 Posts
    • 41,482 Thanks
    MrsChaos
    I'd say that you won over tiredness and fibrofog!

    I didn't make the bread and butter pudding after all - was too busy cooking all sorts of other things and I was the only one who wanted it. It will keep for another day. Melting moments? Will have to have a look. They might be good for DS2's lunch box.

    I've not made gingerbread syrup for years, but now that both boys like coffee, this might be a nice treat. I'm going to start working with DS2 on his German and a fancy coffee might sweeten him up a bit, as he's not keen.
    • redofromstart
    • By redofromstart 8th Jan 18, 5:01 PM
    • 1,761 Posts
    • 10,593 Thanks
    redofromstart
    NOA , I think we all know the 'nothing to wear' thing. Its done my head a lot of good to see things hung up so I know what I do and don't have. Not remotely tempted by the lovely jumpers or jeans in the sales as I can see clearly that I have more than enough. Still struggling with the perceived bargains in the stupidmarket though.

    The melting moments recipe is here but I haven't tried it myself. I make some lovely short ones out of one of my baking books and have done for years. My favourite Elaine worth making myself ill for cake recipe is the welshcakes here

    Food shopping this morning, too much spent on nothing much as usual, some Christmas bits left in MrM but no prices on anything so no temptation. No price on lots of things in the F&V section which was more annoying. Nice looking wonky chillies which I hadn't seen before but I didn't buy them as A&C are bringing some tomorrow. Only they aren't as they have run out. Meh. I bought a big bit of ginger as I want to have a go at making stem ginger in syrup, nearly #3 for a jar so worth a try.

    Wonky potatoes were nice unusual variety again, so we are having them as jackets later. I did buy some RTC waxed cheddar so that and their own brand healthier beans (30p worth of &more points back on a 25p tin!) or beef stew form the freezer will form the basis of lazy dinner. DS1 has provided pudding which worked surprisingly well and got him full marks!
    • redofromstart
    • By redofromstart 8th Jan 18, 5:03 PM
    • 1,761 Posts
    • 10,593 Thanks
    redofromstart
    I haven't the foggiest what the cat has stood on now to make the pound sign into a hash sign but I can see it is going to be very annoying. Windows 10 if anybody knows the magic answer.
    • greenbee
    • By greenbee 8th Jan 18, 5:38 PM
    • 12,629 Posts
    • 220,219 Thanks
    greenbee
    Sorry, can't hep with the keyboard...

    I have been making soup in an attempt to empty the fridge. So far I have artichoke, leek & potato, parsnip and apple, pea and ham. And I'm going to use the rest of the ham stock and some soup mix to use up the rest of the green veg (no onion, but plenty of garlic). Then I just have to think about the cauliflower. And how to fit it all into the freezer(s).
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

170Posts Today

1,762Users online

Martin's Twitter