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  • FIRST POST
    • TM6
    • By TM6 14th Jan 18, 2:01 PM
    • 902Posts
    • 4,084Thanks
    TM6
    Fiscal Fast
    • #1
    • 14th Jan 18, 2:01 PM
    Fiscal Fast 14th Jan 18 at 2:01 PM
    Fiscal Fast - Day 1

    Every year, I think to myself, yes this year I would like to cut back financially but it's a bit like a diet, after a while bad habits creep in and before you know it..... you know where I'm at!

    Well this year, my fiscal fast HAS to be until October as 2 of my gorgeous children are getting married and EVERY penny has to be a prisoner or earn it's keep!

    So would you like to join me on this military style financial assault course?

    Stock Taking


    My big weakness is stationery and beautiful paper - well having just re-organised my cupboard I don't NEED anymore.

    I am going to make long lists of what I have in all my cupboards (especially food) and ONLY buy when I have run out and NOT when there is a good deal on.

    No more window shopping - too much temptation!

    I could go on and on but more tomorrow.

    So, are you up for this ruthless challenge or would you just like to encourage me in my mission?

    TM6
    xxx
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
Page 6
    • TM6
    • By TM6 7th Mar 18, 6:30 AM
    • 902 Posts
    • 4,084 Thanks
    TM6
    Fiscal Fast Day 52
    Fiscal Fast Day 52

    AN awesome day - no spending on food, just.......

    75p on a Dora The Explorer Easter video to go into the Easter bag for my 2 adorable Granddaughters who are on holiday with us this week in Cornwall
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
    • TM6
    • By TM6 7th Mar 18, 6:38 AM
    • 902 Posts
    • 4,084 Thanks
    TM6
    Fiscal Fast Day 53
    I am amazed how little we spent today especially since we visited St Ives with our family.

    As children apart from the beach, one of our highlights of our holiday was going to Harbour Amusements. Then as our children came along we took them there too and today it was the turn of our Grandchildren.

    Amazingly we only spent £4 on the penny falls and the kiddie rides as our 2p seem to last for ages.

    A wonderful hour was had by all
    Last edited by TM6; 08-03-2018 at 6:15 AM.
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
    • TM6
    • By TM6 8th Mar 18, 6:23 AM
    • 902 Posts
    • 4,084 Thanks
    TM6
    Fiscal Fast Day 54
    Fiscal Fast Day 54

    Well I suppose there was going to be a day when the purse strings were not going to be tight at all and today was that day

    We spent just under a £100 on fuel (filling the car and several cans up) but we did manage £13.64 in discount thanks to the Sainsbury's 12p off a litre.

    Also we had to visit Lidl for our fresh fruit, veg, bread and milk.

    Finally we went out for an awesome meal to celebrate Mother's Day with my Son and his family before they return home.

    An expensive day but one that couldn't really be helped
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
    • TM6
    • By TM6 9th Mar 18, 7:29 AM
    • 902 Posts
    • 4,084 Thanks
    TM6
    Fiscal Fast Day 55
    Fiscal Fast Day 55

    I can feel a happy dance coming on......

    My spend was

    Nada, nothing, naught, nothingness, nil, nix, zilch
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
    • JackieO
    • By JackieO 9th Mar 18, 8:33 AM
    • 15,883 Posts
    • 134,631 Thanks
    JackieO
    Good Morning here is the recipe I use for the 'Melting Moments' biscuits

    5ozs butter or soft marg (stork is fine)

    3oz caster sugar (I whizz up granulated sugar in my blender,cheaper than buying it already ground up to caster sized granules)

    2 T'spoons of vanilla essence, OR 1 T'spoon of vanilla extract

    5ozs self-raising flour (value flour works as well as the more expensive stuff does , you will sieve it anyway )

    some desiccated coconut, or oats, some quartered glace cherries for decoration.

    You can roll them in oats or coconut before baking (I like coconut) but they are nice without.

    I sometimes add a bit of mixed spice to the mix, sifted in with the flour or some cinnamon for a spicy biscuit.

    These will keep crisp up to five days in an airtight tin or lock'n'lock box, but mine never last that long, they are scoffed long before that

    Heat the oven to 180c /350f or gas mark 4. grease two baking trays

    Cream the butter/marg with the sugar, and beat until light and fluffy. Add the vanilla essence/extract and beat in. Stir in sifted flour and mix well with your fork until a rather sticky dough.

    roll into small walnut sized pieces of the mixture and toss in oats or coconut. If the mix is a bit sticky slightly dampen your hands to roll the 'balls' out, bit messy but if you take a teaspoon to dig a bit out, then just roll it around to a small ball shape

    Lay on the trays, in rows, leaving enough room between each biscuit so it can spread a little, Press the middle with a fork to flatten slightly you can stick a sliver of glace cherry in the middle of each if you want to decorate them, I do a few, but some people aren't keen on cherries

    Bake for around 12-14 minutes until just starting to turn golden brown,NOT dark brown, do not over cook as they catch easily. Remove tray from oven and let to cool for a minute.remove onto wire trays with a palette knife

    When you take them off the tray they may seem soft but they do crisp up as they cool. they should be a pale golden colour.

    These take less than half an hour to prepare and cook. This mix should give you about 25-30 small biscuits and costs pennies to make.
    I have been making these for almost 60 years and my DD's and grandchildren love them

    Cheap as chips and twice as nice as shop bought biscuits
    all of my grandchildren have over the years helped to make them on rainy days in the holidays Nothing like baking to keep kids amused,even the boys like to make biscuits

    JackieO xx
    Quot Libros,Quam Breve Tempus. 2018
    Running total for four months food only shopping =£126.24.Freezer stuff slowly going down at last May totals £31.11 freezer and tinned cupboards are going down nicely
    • TM6
    • By TM6 10th Mar 18, 3:46 PM
    • 902 Posts
    • 4,084 Thanks
    TM6
    Fiscal Fast Day 56
    Fiscal Fast Day 56

    Thank you SO very much for the recipe JackieO - I can't wait until next weekend when I will be able to bake them with my DD


    So.... the fast - wahoo, 2 days in a row - nothing spent today
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
    • TM6
    • By TM6 10th Mar 18, 7:20 PM
    • 902 Posts
    • 4,084 Thanks
    TM6
    Fiscal Fast Day 57
    Fiscal Fast Day 57

    Guess what!... yes another NSD - dead chuffed

    **************************************************

    Since starting the challenge I've come up with a great saving - I like drinking 7 up light (I'm teetotal so this is my treat)

    I used to buy cans but now I have 8 x 250ml stubby bottles and I buy a 2 litre bottle and decant the contents into the stubbies. It means I can still enjoy my treat but at a greatly reduced cost.

    Do you do anything like this?
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
    • suki1964
    • By suki1964 11th Mar 18, 12:11 AM
    • 11,027 Posts
    • 29,384 Thanks
    suki1964
    My soft drink fix is cola, either Diet Pepsi or Diet Coke

    I guzzle it. Seriously addicted I drink it all day every day and even if I wake in the night thirsty, it what I reach for

    at £2 a bottle its not cheap, so Ive swapped to Lidls which is 49p and is seriously good
    if you lend someone £20 and never see that person again, it was probably worth it
    • JackieO
    • By JackieO 11th Mar 18, 9:52 AM
    • 15,883 Posts
    • 134,631 Thanks
    JackieO
    I am not a lover of fizzy stuff much but the MrT's diet cola at around 50p is pretty good, and I keep a bottle in the fridge, mixes well with a vodka at times as a change from tonic
    Quot Libros,Quam Breve Tempus. 2018
    Running total for four months food only shopping =£126.24.Freezer stuff slowly going down at last May totals £31.11 freezer and tinned cupboards are going down nicely
    • suki1964
    • By suki1964 11th Mar 18, 4:29 PM
    • 11,027 Posts
    • 29,384 Thanks
    suki1964
    I am not a lover of fizzy stuff much but the MrT's diet cola at around 50p is pretty good, and I keep a bottle in the fridge, mixes well with a vodka at times as a change from tonic
    Originally posted by JackieO
    It really is worth trying own brand soft drinks Years ago they were vile , cheap and nasty. Then Virgin cola upped the stakes. Supermarkets had to up the ante and some of them are really passable nowadays

    I quite like the Tesco lemon and lime. For 50p itís not too awful
    if you lend someone £20 and never see that person again, it was probably worth it
    • Mrs Cheshire
    • By Mrs Cheshire 11th Mar 18, 8:17 PM
    • 814 Posts
    • 8,400 Thanks
    Mrs Cheshire
    Hi all, just been reading through the chat, well done TM6. It feels great to keep within budget doesn't it.
    I used to keep a check on our spending especially groceries but then it fell by the wayside. Have gone back to it this year as I'd love to have some spare money to put towards a holiday.
    I'm gradually trying to reduce the amount of ready made snacks I buy for my 3 boys, so will be trying the recipe above.
    SPC #148 2014-£25 2015-£5.50 My stars from Sue-UU

    Grocery Challenge 2018
    Jan £400.33/£400 Feb £383.02/£400 Mar £392.60/£370 Apr £211.17/£400
    • JackieO
    • By JackieO 11th Mar 18, 10:45 PM
    • 15,883 Posts
    • 134,631 Thanks
    JackieO
    So far this month I have resisted the food shops ,mainly because I have been out in the past week for 5 out of seven nights so only cooked two main meals this week.
    I am out tomorrow night and Tuesday so will probably do my first shop of the month on Wednesday so I am more than hapy with that. Most of that will be fresh fruit and veg with a few odds and ends that I am running short of , but still have plenty in the freezer to keep me going at the moment
    Quot Libros,Quam Breve Tempus. 2018
    Running total for four months food only shopping =£126.24.Freezer stuff slowly going down at last May totals £31.11 freezer and tinned cupboards are going down nicely
    • TM6
    • By TM6 12th Mar 18, 7:00 AM
    • 902 Posts
    • 4,084 Thanks
    TM6
    It really is worth trying own brand soft drinks Years ago they were vile , cheap and nasty. Then Virgin cola upped the stakes. Supermarkets had to up the ante and some of them are really passable nowadays

    I quite like the Tesco lemon and lime. For 50p itís not too awful
    Originally posted by suki1964
    I have tried the Tesco lemon and lime but for an extra 50p I'm going to stick with my usual 7 up light....it's not going to break the bank as a 2ltr bottle lasts me about 2 weeks
    Last edited by TM6; 12-03-2018 at 7:05 AM.
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
    • TM6
    • By TM6 12th Mar 18, 7:08 AM
    • 902 Posts
    • 4,084 Thanks
    TM6
    Hi all, just been reading through the chat, well done TM6. It feels great to keep within budget doesn't it.
    I used to keep a check on our spending especially groceries but then it fell by the wayside. Have gone back to it this year as I'd love to have some spare money to put towards a holiday.
    I'm gradually trying to reduce the amount of ready made snacks I buy for my 3 boys, so will be trying the recipe above.
    Originally posted by Mrs Cheshire
    Welcome Mrs Cheshire to our wonderful band of posters, encouragers and readers

    Once you start making your own snacks, I'm sure the pennies will start rolling in
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
    • TM6
    • By TM6 12th Mar 18, 7:20 AM
    • 902 Posts
    • 4,084 Thanks
    TM6
    Fiscal Fast Day 58
    Fiscal Fast Day 58

    It couldn't be a NSD for Day 58 as we had run out of bread, eggs and fresh milk

    For my Mother's Day treat (and remember I'm a die hard shopaholic!) we went to Pool Indoor Market which has a combination of regular stall holders and car booters/table top stalls. I was very restrained in my spending but I still managed to treat myself I bought a few books to read along with several items to sell on ebay so the cost of what I bought for myself should be covered by the profit from ebay.

    Also they have a drop in barbers and my hubby had an awesome haircut for £7 which I thought was a bargain as he had started to look like shaggy from Scooby Doo.

    On the way to the market we called in at 2 Bookers but the RTCs were very thin on the ground so we spent very little and on the way home we had to call in at Lidls for the basics.

    I would class Day 58 as a low spending day but very much value for money

    How did everyone else's weekend go?
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
    • JackieO
    • By JackieO 13th Mar 18, 9:42 AM
    • 15,883 Posts
    • 134,631 Thanks
    JackieO
    I had a look at my stocks and have decided that Thursday will be my food shopping day as I have enough to get me over another couple of days and I have estimated roughly that what I need should come to around £20.00 from my shopping list ,maybe les depending on whats available

    TM6 you are doing very well and well done for more or less sticking to your cash and spending less and not over stocking too much My problem was I have plenty of stuff in stock and so I am now using as much as I can up before buying anymore
    Onwards and upwards

    JackieO xxx
    Quot Libros,Quam Breve Tempus. 2018
    Running total for four months food only shopping =£126.24.Freezer stuff slowly going down at last May totals £31.11 freezer and tinned cupboards are going down nicely
    • TM6
    • By TM6 13th Mar 18, 10:43 AM
    • 902 Posts
    • 4,084 Thanks
    TM6
    I had a look at my stocks and have decided that Thursday will be my food shopping day as I have enough to get me over another couple of days and I have estimated roughly that what I need should come to around £20.00 from my shopping list ,maybe les depending on whats available

    TM6 you are doing very well and well done for more or less sticking to your cash and spending less and not over stocking too much My problem was I have plenty of stuff in stock and so I am now using as much as I can up before buying anymore
    Onwards and upwards

    JackieO xxx
    Originally posted by JackieO
    Thanks for your support JackieO - it really does mean a lot knowing that I have encouragement x
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
    • TM6
    • By TM6 13th Mar 18, 10:48 AM
    • 902 Posts
    • 4,084 Thanks
    TM6
    Fiscal Fast Day 59
    Fiscal Fast Day 59

    Just £2 on sausages today which we have not had in a while and they were delicious

    I'm also pleased to say that some of the items that we bought at various markets, table tops, charity shops etc have now got bids on them on ebay We have decided that we are NOT allowed to touch this money at all and that it will be kept purely for spending money in New York
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
    • suki1964
    • By suki1964 13th Mar 18, 11:40 AM
    • 11,027 Posts
    • 29,384 Thanks
    suki1964
    Fiscal Fast Day 58

    It couldn't be a NSD for Day 58 as we had run out of bread, eggs and fresh milk

    For my Mother's Day treat (and remember I'm a die hard shopaholic!) we went to Pool Indoor Market which has a combination of regular stall holders and car booters/table top stalls. I was very restrained in my spending but I still managed to treat myself I bought a few books to read along with several items to sell on ebay so the cost of what I bought for myself should be covered by the profit from ebay.

    Also they have a drop in barbers and my hubby had an awesome haircut for £7 which I thought was a bargain as he had started to look like shaggy from Scooby Doo.

    On the way to the market we called in at 2 Bookers but the RTCs were very thin on the ground so we spent very little and on the way home we had to call in at Lidls for the basics.

    I would class Day 58 as a low spending day but very much value for money

    How did everyone else's weekend go?
    Originally posted by TM6
    Mine went very well as apart from a card and petrol, I spent ZILCH

    No grocery shopping , no nothing

    Im going to have to go to lidl today for veg and thats it I think. I have things on my list but other then peppercorns, theres nothing urgent that we cant live without and in the great scheme of things, we can live without those as well

    I find the best way of having NSDs, is to avoid the shops at all times, which Im more then happy to do
    if you lend someone £20 and never see that person again, it was probably worth it
    • TM6
    • By TM6 13th Mar 18, 1:33 PM
    • 902 Posts
    • 4,084 Thanks
    TM6
    Mine went very well as apart from a card and petrol, I spent ZILCH

    No grocery shopping , no nothing

    Im going to have to go to lidl today for veg and thats it I think. I have things on my list but other then peppercorns, theres nothing urgent that we cant live without and in the great scheme of things, we can live without those as well

    I find the best way of having NSDs, is to avoid the shops at all times, which Im more then happy to do
    Originally posted by suki1964
    There lies my problem suki1964, I'm a shopaholic and bargain hunter combined so this fast at times is extremely challenging for me
    "One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."
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