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  • FIRST POST
    • Pippilongstocking
    • By Pippilongstocking 22nd Dec 17, 11:01 AM
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    Pippilongstocking
    Time to mend and make do, beg, borrow and barter.
    • #1
    • 22nd Dec 17, 11:01 AM
    Time to mend and make do, beg, borrow and barter. 22nd Dec 17 at 11:01 AM
    Hello lovely MSE angels.

    I've been around for a while and know the small MSE ways lead to big changes in lifestyle. I'm so lucky I found you all when I did way back in the beginning of time!

    I had started a new 'adventure' diary but this years events have shifted the focus from those for now to a bit more of a 'primal' focus on living very frugally, to accommodate unexpected and unavoidable shifts in expenses for the foreseeable.

    As today is 'housekeeping budget day' I figured its a good a day as any to start this month afresh and try and move my mindset.

    I have a fair bit of debt still but the main issues for me are pesky over drafts and a credit card which crept up whilst I was otherwise occupied. Its in the signature below.

    This diary is to focus and hone my rusty MSE skills to the front and really live with what we have, make do with what we can, borrow or beg favours where needed, and barter ourselves where we can, there's no shame in asking for help once in a while!

    We've two in our household both working f/t, plus two grown up flown the coup for now younglings - off adventuring (uni and gap year type shennanigans), a lovely DH, two pesky mutts (one quite unexpectedly terminally poorly) and a severe lack of chickens in our lives right now. Must sort that in the new year. My mother is quite poorly with an unexpected, terminal diagnosis, so I'm looking to juggle my very accommodating job with helping with her care and treatment.

    We live well, but we could live a whole lot better with less, and support others more in the process.


    Last edited by Pippilongstocking; 22-12-2017 at 11:38 AM.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£1000 , Cancelled
    Credit Card 1 = £0, Credit Card 2 £2710.57/925
    Total Debt as of 6/8/2017 £5755.40 eek:
    Total debt 26/4/18 <£1925
Page 5
    • Pippilongstocking
    • By Pippilongstocking 5th Jan 18, 11:05 AM
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    Pippilongstocking
    Great.
    The odds always bug me too.
    Originally posted by beanielou


    Pips - yer green light is still on! - git yerself into bed woman or you'll be cursing those we hours of the morn more than you should!
    xxx
    Originally posted by rtandon27
    IF you could have a word with hound senior my sleeping might be well improved!!! He had me up and down like a yoyo pesky mutt.

    Wow, how long did it take to read the entire blog? I've just read three or four posts this morning and have already spent an hour that I should have been getting on with work! I did want to read some of the earlier posts though, to see how it all started.


    On the mortgage front though- it's surprising how far you can get if you just keep chipping away at it, so don't give up!
    Originally posted by troglodyte
    I was just wondering that - her articles are so good and very comprehensive.


    Free wifi - woop. Mothers all plumbed in and first new treatment has gone well, this one is experimental but seemingly v effective. Next ones in a wee bit and she's napping.



    I blew £12.55 on mags from treat budget. All good things as these are agreed spends.

    Amazing the amount of flu going around (not here thankfully) in our county is rampant.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£1000 , Cancelled
    Credit Card 1 = £0, Credit Card 2 £2710.57/925
    Total Debt as of 6/8/2017 £5755.40 eek:
    Total debt 26/4/18 <£1925
    • Pippilongstocking
    • By Pippilongstocking 5th Jan 18, 11:46 AM
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    Pippilongstocking
    Good read for me today from Mrs Frugalwoods.

    Hi there!

    Since we!!!8217;re all trying to spend as little as possible this month--and reform our money habits in the process--take a look through your pantry, fridge, and freezer today. Therein are things you!!!8217;ve spent money on, but haven!!!8217;t yet eaten. It!!!8217;s like discovering a previously undiscovered goldmine! And now, we!!!8217;re going to enact a plan to eat all of this previously undiscovered food!

    Eating your way through the backlog of food you have on hand is a wonderful way to:

    Spend less on groceries this month.
    Adjust what you buy at the store each week. When you find expired/uneaten old food, let this inform your future grocery lists.
    Combat food waste.
    Cut down on clutter.
    Become a more glamorous person! At least in the Uber Frugal Month community. I will think you!!!8217;re glamorous.
    Today!!!8217;s mantra: I will eat all the things!!!!

    Today!!!8217;s action: Start combing through your pantry, freezer, and fridge and make plans for all the foodstuffs you find.

    Today!!!8217;s recommended reading: Eat ALL the Things!


    Food for thought for me - lots to think about.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£1000 , Cancelled
    Credit Card 1 = £0, Credit Card 2 £2710.57/925
    Total Debt as of 6/8/2017 £5755.40 eek:
    Total debt 26/4/18 <£1925
    • Cheery Daff
    • By Cheery Daff 5th Jan 18, 12:02 PM
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    • 40,593 Thanks
    Cheery Daff
    Mmm, food...

    Took me several weeks I think just reading a post or two a day. But I do like to do that when I find a blog that I really like
    Mortgage over payments since Feb 2018 = £558.25
    • troglodyte
    • By troglodyte 5th Jan 18, 2:42 PM
    • 629 Posts
    • 3,849 Thanks
    troglodyte
    Good read for me today from Mrs Frugalwoods.


    Today’s recommended reading: Eat ALL the Things!


    Food for thought for me - lots to think about.
    Originally posted by Pippilongstocking


    Funny you should say that, but that's exactly what we are doing! Yesterday morning I explored the back of the cupboard and the spare bedroom (where we had stored apples and pears) and then sat down with the freezer list (yes I keep a list of what's in there so I don't have to spend ages rummaging looking for things that aren't actually there any more!) and recipe file and came up with a plan for the next 10 days or so, using up lots of those things. Then I had to go shopping for fresh veg and a few other bits and pieces to go with those things but still, it should keep us going for a while.


    Yesterday was orange chicken with fried rice, followed by blackberry and apple crumble, so that used up chicken, orange rind and some blackberries from the freezer, plus apples from the bedroom. Today I think will be cottage pie with red cabbage - pie filling in freezer after we made a batch previously, potatoes from OH's parents' allotment, cabbage in freezer left over from Xmas. And there's still enough of the crumble to finish off.
    • Pippilongstocking
    • By Pippilongstocking 5th Jan 18, 3:45 PM
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    Pippilongstocking
    Well done Cheery - that's good work its an interesting blog.
    Trog - I have a freezer list too so you're in grand company. I have 5kg plums and erm 7kg of tomotoes.......hardly space saving.

    7 neeps in the fridge - oh dear, neep issue - aye, they were all around 9-17p I love a good neep. And a large cauliflower. Sounds like you're pretty organised.

    We've a fair bit of fruit/veg in freezer - a bit of fish (cod, salmon and monkfish) and some meat although less since the visitors, pesky munchers although I stashed a tenderloin in there that I didn't add to the list.



    Last part of treatment for an hour then final bits and taxi driving time.

    Been ferretting through a few blogs and mentioned this one on GP's lovely page, although the Schezwan cauliflower looks more appealing than the bananaskincurry one, which like GP I'm not sure is high on my list to try. Although I think I'd oven bake the cauli - I do like roasted cauli at the best of times.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£1000 , Cancelled
    Credit Card 1 = £0, Credit Card 2 £2710.57/925
    Total Debt as of 6/8/2017 £5755.40 eek:
    Total debt 26/4/18 <£1925
    • troglodyte
    • By troglodyte 5th Jan 18, 5:21 PM
    • 629 Posts
    • 3,849 Thanks
    troglodyte
    We like a good neep too; I like them creamed or else sliced and roasted, and of course great in sups and stews. That cauli recipe looks tasty too. But best of all is the banana-skin one! I have read several things in the past year saying what a waste it is to throw away banana skins (although ours go in the compost so I don't really consider that waste) and how good they are for you, but I've looked all over and not found a believable recipe that used them, apart from a smoothie suggestion which really didn't look appealing! I will defo try that!
    • starnac
    • By starnac 5th Jan 18, 7:54 PM
    • 5,262 Posts
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    starnac
    Hope all went well today Pippi
    Savings £1200
    Overpayments made £200/£1208.15
    Make £2018 in 2018 #70 £507/£2018
    • Greying Pilgrim
    • By Greying Pilgrim 5th Jan 18, 8:04 PM
    • 4,283 Posts
    • 47,842 Thanks
    Greying Pilgrim
    Hope all went well today Pippi
    Originally posted by starnac
    Seconded. Thinking of you all. XXX

    Greying X
    'Ich habe genug' 'Your Vibe attracts your Tribe'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • Pippilongstocking
    • By Pippilongstocking 6th Jan 18, 10:21 AM
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    Pippilongstocking
    Morning chaps!

    Thanks for all the lovely wishes yesterday - everything seemed to go to plan and no reaction to the new treatment so here's hoping. I can't imagine the kindness in these organisations, the cheerfulness and the sharing of advice and support. Its very very humbling. And, I don't care what folks say about the food - everything provided was lush, hot and tasty. I took in some bicies to replenish the tin.

    Spends yesterday were on mags from the treats budget and £4.12 in there too for biccies for the nurses tins. And, 2 x 2ltrs milk at 35p that's now in the freezer.

    That was about it - soup for tea at home, himself had noodles.
    Read up lots about this years flu - sounds a bit gruesome, NS (New Scientist) had a v good article on it.

    Left a stash of magazines at the hospital, let someone else enjoy them.

    Email from the shares folk to fill in an online form, need to get that done.

    House is in general chaos - must sort that.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£1000 , Cancelled
    Credit Card 1 = £0, Credit Card 2 £2710.57/925
    Total Debt as of 6/8/2017 £5755.40 eek:
    Total debt 26/4/18 <£1925
    • UncannyScot
    • By UncannyScot 6th Jan 18, 10:41 AM
    • 1,471 Posts
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    UncannyScot
    Glad to hear treatment is going ok for your wee mither (was thinking of you both).
    (((((HUGS)))))
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Jan 18, 6:05 PM
    • 1,474 Posts
    • 7,053 Thanks
    wishingthemortgaheaway
    Glad your Mum's treatment went well. And sure both staff and patients will enjoy the goodies you've left them.

    Have a good weekend.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100 April 19/100 May 20/100 June 21/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • beanielou
    • By beanielou 6th Jan 18, 8:39 PM
    • 55,063 Posts
    • 219,989 Thanks
    beanielou
    Glad all went ok.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Pippilongstocking
    • By Pippilongstocking 7th Jan 18, 2:18 PM
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    • 99,079 Thanks
    Pippilongstocking
    Glad all went ok.
    Originally posted by beanielou
    thanks.

    Glad your Mum's treatment went well. And sure both staff and patients will enjoy the goodies you've left them.

    Have a good weekend.
    Originally posted by wishingthemortgaheaway
    Thank you, I just think don't only do their jobs incredibly well, but its the kind words, acts of compassion, and smiling right through to their eyes into their hearts, its very humbling.

    Glad to hear treatment is going ok for your wee mither (was thinking of you both).
    (((((HUGS)))))
    Originally posted by UncannyScot
    Thanks Mr USC - much appreciated hope the uber clean without watir goes well...........

    In work today and having a late lunch. I've man handled more snowdrops than I care to say today - but the little cheerful things are waking up so who am I to argue with they prolificness.

    Senior hound slumbering at home, Junior terrorising snowdrops and the woods surrounding them with great gusto at the moment.

    Need to get petrol later, had store pate on oatcakes for lunch and that was yum, brekkie coconut porridge again - I'm a fickle creature.

    Was panickign as had a snuffly nose and a bit of a sore throat day after treatment but seems to be nothing as of yet. Here's hoping.

    Have a good un!

    Overdraft 1 £1000/£0, Overdraft 2 £1000/£1000 , Cancelled
    Credit Card 1 = £0, Credit Card 2 £2710.57/925
    Total Debt as of 6/8/2017 £5755.40 eek:
    Total debt 26/4/18 <£1925
    • rtandon27
    • By rtandon27 7th Jan 18, 3:27 PM
    • 2,200 Posts
    • 14,026 Thanks
    rtandon27
    ...brekkie coconut porridge again...
    Originally posted by Pippilongstocking
    That sounds interesting Pips - how do you make it? We love coconut in these parts!

    You would have laughed at OH earlier moaning that there was naught but eggs in the house to eat...

    ...store cupboard and freezer full of bits...

    SIGH

    ...rustled up some tortellini, pesto, shredded cabbage & shredded beef...

    ...ooo this is nice he says...

    xox happy snowdropping!
    1 YEAR & 7 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    Juggling the pots to keep in the black!
    • Pippilongstocking
    • By Pippilongstocking 7th Jan 18, 7:03 PM
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    Pippilongstocking
    HA! DH insists we have only INGREDIENTS in this house, and no food.

    Sounds lush at yours by the way.

    Coconut porridge is very simple tbh - mix 1/4 cup coconut with 200-300ml water to cover the oats, micro for 1-1.5 mins on full, stir in one teaspoon-dessertspoon coconut powder I find a teaspoon plenty for me but some days I like it a bit creamier. Serve, I don't like sweet stuff so it works for me. I guess you can sub the water for coconut milk (tin or carton), I like the maggi brand dried coconut milk, its expensive for the pack but you do get 30 portions in it which is pretty realistic, if not more so, so I'd say its a storecupboard staple for me.

    I do sometimes make rice pudding with it too - LUSH.

    Hope you're tucked up and cosy.

    Tea here was GP inspired and UFM orchestrated. We had some cod in the freezer, tatties in the fridge so we ended up with fish and chips - I just fancied it after all the chat and we had none in boxes (I was weeping when I rifled and found nowt) and trying to curb the takeaways - so improvised.

    Anyhows so I don't use the wok often for deep frying, so it was a cook one bit oven it, cook the next bit - serve both bits, serve the next person. I'm hardly organsied - but it worked after a fashion - himself ate (huzzah) and we used up fish from the freezer.

    Double Huzzah.

    Work was pretty nice, sundays' are a nice day with lots famlies. Rearranged a big display to coax folks into buying a wee cheeky plant to go home, a tad ironic given my resolution to spend less in life. But, its my job amoung other things.

    Spends today - petrol £20 more meds for himself £3.69

    Nowt much else planned for today - clothes ready for tomorrow - mutts happy and himself seems to be on the mend.

    Off to read up UFM *uber frugal month* posts
    Last edited by Pippilongstocking; 07-01-2018 at 7:06 PM.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£1000 , Cancelled
    Credit Card 1 = £0, Credit Card 2 £2710.57/925
    Total Debt as of 6/8/2017 £5755.40 eek:
    Total debt 26/4/18 <£1925
    • Greying Pilgrim
    • By Greying Pilgrim 7th Jan 18, 7:31 PM
    • 4,283 Posts
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    Greying Pilgrim
    Pips the Food Programme on R4 at lunchtime was DEVOTED to Porridge! I only heard a small portion of it, but Levi Roots was making Carribean style - although he didn't make it with cornmeal, which I thought kinda missed the point. Then there were two other lasses making it - I'm assuming that one was of Scandi origin, as she talked about making Rye bread porridge. I didn't hear beyond them beginning to make their versions, missed the start and don't know what the tasting brought forth. But thought it may be of interest if you're plugged into downloads or i-player.

    Greying X
    'Ich habe genug' 'Your Vibe attracts your Tribe'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • troglodyte
    • By troglodyte 7th Jan 18, 10:32 PM
    • 629 Posts
    • 3,849 Thanks
    troglodyte
    Glad to hear all is going as well as can be expected with the treatment so far, OH is on the mend, hounds are OK and you're enjoying snowdrop work. Hope the week continues in the same vein!
    • Pippilongstocking
    • By Pippilongstocking 8th Jan 18, 3:17 AM
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    Pippilongstocking
    Greying thank you I'll download that for later - although why I'm awake now I've no idea. Much appreciated. TYVM (Ta Very Much) And Trog thank you me dear - hope you and yours are grand. I always get excited at this time of year when its in full flow, its a bit full on but grand fun.

    Read more of UFM - the day before was about finances and I'm not quite there yet but I'll get my head around it all. Today was all about food waste (subject close to me heart as we know)

    So UFM - Mrs Frugalwoods has these tips.

    Only buy what you will legitimately consume in one week!!!8217;s time (assuming you grocery shop weekly). Count the number of bananas you buy if that!!!8217;ll help.

    Eat everything you buy. Freeze any leftovers you don!!!8217;t want to eat this week.

    Do not succumb to take-out. You!!!8217;ve purchased groceries, now eat them.

    Plan ahead and don!!!8217;t buy ingredients for ridiculously complex meals that you won!!!8217;t have the energy to prepare. Nobody!!!8217;s judging if you eat cheese and olives for dinner (we do it all the time!). Or cereal. Or hummus. It's all good.

    If your weekdays are crazy busy, plan ahead and cook your entire week!!!8217;s meals on Sunday and pop !!!8216;em in the fridge or freezer.


    We do a bit of this already but could be better at it. For me the reduced section really populates what we eat rather than going in with a proper list (for fresh stuff anyways) - I don't think I've done a weekly shop in I don't know how long, feels like forever, I'm more of a toppy-up kinda gal, stores are pretty hearty, I just need to 'eat more of it, prob buy a bit less of it' - which I struggle with, as who knows when the last yellow stickered item will turn up. Its about balance I guess. Having a much smaller freezer has helped hone the mind a bit I must say, although the temptation to get another one is high, I'm not sure we really need it only being us twa in the hoose thesedays. I'd have it filled in a heart beat, which is hardly the point is it?

    Food for thought.

    It appears, I went to bed too early. Whoops.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£1000 , Cancelled
    Credit Card 1 = £0, Credit Card 2 £2710.57/925
    Total Debt as of 6/8/2017 £5755.40 eek:
    Total debt 26/4/18 <£1925
    • Pippilongstocking
    • By Pippilongstocking 8th Jan 18, 3:26 AM
    • 15,001 Posts
    • 99,079 Thanks
    Pippilongstocking
    My handy wee spend app says I've £150.87 left of my household/grocery budget must check that out, I moved £200 into that budget at start of month (housekeeping minus cleaner etc, £100 still in bank for that lot) - which means with 30 gas which I messed up and is now out of the correct budget line, lol one day I'll get all this stuff right, so we've spent 50.13 on a few bits of grub/medicine/flu stuff. Largely comfort extras on top of meds, etc but there is actual food in there.

    I however have noticed this weeks meals have largely contained potatoes or cheese or both. Comfort eating indeed there are other veg and fruit in there, so we won't get scurvy.

    Petrol spends £20+ £25 + £? must check up, smaller car certainly uses so much less petrol. And we've galavanted out and about, to himself's mothers, and my mothers and work.
    Last edited by Pippilongstocking; 08-01-2018 at 3:51 AM.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£1000 , Cancelled
    Credit Card 1 = £0, Credit Card 2 £2710.57/925
    Total Debt as of 6/8/2017 £5755.40 eek:
    Total debt 26/4/18 <£1925
    • Cheery Daff
    • By Cheery Daff 8th Jan 18, 7:15 AM
    • 8,182 Posts
    • 40,593 Thanks
    Cheery Daff
    Mmm, potatoes and cheese

    We mostly do top up shops populated by the reduced section too mind you I also eat bran flakes for dinner quite a lot.. Mr Cheery likes to run down the stores to nothing and get inventive which is fine while we live near a shop but which may need a rethink when we move to the moddle of nowhere. Definitely getting a big freezer and filling it full of goodies!
    Mortgage over payments since Feb 2018 = £558.25
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