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  • FIRST POST
    • TM6
    • By TM6 14th Jan 18, 2:01 PM
    • 896Posts
    • 4,072Thanks
    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 7
    • suki1964
    • By suki1964 13th Mar 18, 3:17 PM
    • 11,021 Posts
    • 29,368 Thanks
    suki1964
    There lies my problem suki1964, I'm a shopaholic and bargain hunter combined so this fast at times is extremely challenging for me
    Originally posted by TM6

    Oh believe me, I too was that woman, my husband still is to a point

    BUT

    We no longer have the champagne wages so I have to make every penny count and I no longer like seeing my bank balance depleting

    A pound is better in my account then in a shop keepers till in my book


    I'm not tight , no way am I tight, I love being able to treat the grandkids, help out my stepdaughter, but I also like knowing that if something major cropped up, I had the money to cover it without getting into debt

    So I keep out of the shops as much as possible because like you, I too can't resist a bargain

    Lidls had no onions, so I had to go to Tesco and my onions cost me 16 They had sides of salmon for 7.50 and because mum isn't well and picking at food I thought sod it, Salmon En Croute at the weekend when she's out of hospital so filo pastry, spinach and creme freche got added along with some very mature cheddar that she's fond of

    That sort of shopping is expensive, I'm usually strictly a mental list person and seeing as the freezers have plenty in them, I really didn't need to be buying extras
    if you lend someone 20 and never see that person again, it was probably worth it
    • Mrs Salad Dodger
    • By Mrs Salad Dodger 13th Mar 18, 6:19 PM
    • 615 Posts
    • 7,216 Thanks
    Mrs Salad Dodger
    Hi everyone,

    I am not doing the Fiscal Fast BUT I read through the thread last week as I was up to date on the threads I post to

    JackieO, thank you so much for the Melting Moments recipe - very rich but both my DH & I absolutely love them

    Good luck TM6 - I am very impressed

    MrsSD
    • TM6
    • By TM6 14th Mar 18, 6:43 AM
    • 896 Posts
    • 4,072 Thanks
    TM6
    Hi everyone,

    I am not doing the Fiscal Fast BUT I read through the thread last week as I was up to date on the threads I post to

    JackieO, thank you so much for the Melting Moments recipe - very rich but both my DH & I absolutely love them

    Good luck TM6 - I am very impressed

    MrsSD
    Originally posted by Mrs Salad Dodger
    Thank you for your words of encouragement Mrs SD
    "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 14th Mar 18, 6:45 AM
    • 896 Posts
    • 4,072 Thanks
    TM6
    Oh believe me, I too was that woman, my husband still is to a point

    BUT

    We no longer have the champagne wages so I have to make every penny count and I no longer like seeing my bank balance depleting

    A pound is better in my account then in a shop keepers till in my book


    I'm not tight , no way am I tight, I love being able to treat the grandkids, help out my stepdaughter, but I also like knowing that if something major cropped up, I had the money to cover it without getting into debt

    So I keep out of the shops as much as possible because like you, I too can't resist a bargain

    Lidls had no onions, so I had to go to Tesco and my onions cost me 16 They had sides of salmon for 7.50 and because mum isn't well and picking at food I thought sod it, Salmon En Croute at the weekend when she's out of hospital so filo pastry, spinach and creme freche got added along with some very mature cheddar that she's fond of

    That sort of shopping is expensive, I'm usually strictly a mental list person and seeing as the freezers have plenty in them, I really didn't need to be buying extras
    Originally posted by suki1964
    We could be twins when it comes to our shopping habits
    "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 14th Mar 18, 6:50 AM
    • 896 Posts
    • 4,072 Thanks
    TM6
    Fiscal Fast Day 60
    Fiscal Fast Day 60

    Another NSD - bring it on
    "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 14th Mar 18, 8:11 AM
    • 15,878 Posts
    • 134,575 Thanks
    JackieO
    I did spend a small amount yesterday afternoon but it was from my 'Happy Cash Stash' for a congratulations card for my son-in-law who achieved a 'first' in his civil engineering degree, I shall also pop a cheque into it so he can buy a treat for himself as he never spends anything on himself and has worked so hard over the past few years full time and has done his degree part time at evenings and weekends and I am very proud of him. NSD today as I have a U3A committee meeting so tomorrow I shall go food shopping for the first time this month
    Quot Libros,Quam Breve Tempus. 2018
    Running total for four months food only shopping =126.24.Freezer stuff slowly going down at last May food shopping so far 16.12
    • suki1964
    • By suki1964 14th Mar 18, 8:44 AM
    • 11,021 Posts
    • 29,368 Thanks
    suki1964
    We could be twins when it comes to our shopping habits
    Originally posted by TM6
    Precisely

    Hence I try not to go near shops.

    If I cant see it I cant buy it
    if you lend someone 20 and never see that person again, it was probably worth it
    • TM6
    • By TM6 16th Mar 18, 10:51 AM
    • 896 Posts
    • 4,072 Thanks
    TM6
    I did spend a small amount yesterday afternoon but it was from my 'Happy Cash Stash' for a congratulations card for my son-in-law who achieved a 'first' in his civil engineering degree, I shall also pop a cheque into it so he can buy a treat for himself as he never spends anything on himself and has worked so hard over the past few years full time and has done his degree part time at evenings and weekends and I am very proud of him. NSD today as I have a U3A committee meeting so tomorrow I shall go food shopping for the first time this month
    Originally posted by JackieO
    How did the shopping trip go JackieO?

    I love the sound of a 'Happy Cash Stash' - I might just have to have one for myself for treats

    How does your stash work?
    "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 16th Mar 18, 11:15 AM
    • 896 Posts
    • 4,072 Thanks
    TM6
    Fiscal Fast Day 61
    Fiscal Fast Day 61

    A spending day which was quite frugal but very enjoyable.

    With 24 hour shopping on the net, I am a bit of an ebay anorak and quite a few years ago I knew that I had to get my fix from selling rather than buying. Hence my love of auctions, table tops, charity shops, anywhere that I can sniff out a bargain to re-sell.

    So with all the above in mind, hubby and I set off for Camborne as I needed to call into the Cheap Food Store (CFS) for some snowbites that the lady I work for has nearly run out of.

    https://www.facebook.com/pg/cheapfoodstore/posts/?ref=notif

    but I never go to a town just for one reason so we hit the shops.

    However (for once ) I was on my best behaviour.

    I only bought a couple of items for ebay, a present for GD2 (only a 1 for a beautiful little sock that you put on a baby's foot, shaped as a zebra and rattles), a few bits from the CFS, a few bits from Poundstretcher and some Easter Cards from Card Factory.

    I got my shopaholic fix but for a keepskate price...there is hope for me yet
    "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 16th Mar 18, 11:19 AM
    • 896 Posts
    • 4,072 Thanks
    TM6
    Fiscal Fast Day 62
    Fiscal Fast Day 62

    Despite visiting both Sainsbury's and Tesco for work, none of my money departed from my purse!

    I did however spend 2 at Card Factory for more Easter Cards (8 for a 1) and some general cards (10 for 1)

    Happy Days
    "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 16th Mar 18, 6:02 PM
    • 896 Posts
    • 4,072 Thanks
    TM6
    Fiscal Fast Day 63
    Fiscal Fast Day 63

    Super news Another NSD
    "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 18th Mar 18, 11:37 AM
    • 896 Posts
    • 4,072 Thanks
    TM6
    Fiscal Fast Day 64
    Fiscal Fast Day 64

    A had a real tug of war going on inside my head as to whether Day 64 should be a NSD or a LSD

    My heart was saying NSD but my head was saying LSD - my head won!

    Why, you may ask yourself? I had a spend 30 at Morrison's and receive 3000 points.
    I fought off the desire to use it for a couple of days but in the end it made financial sense. We needed fresh veg along with bakery items. I also looked up what special promotions Morrison's had on and a box of 10 packs of Huggies wet wipes for a fiver was too good to miss especially as we are running low. We got a fabulous gammon joint for Easter for just under 7.50

    Our bill came to 30.73 on essentials so I hope this will have a positive on our finances and NSD in the future
    "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 18th Mar 18, 6:55 PM
    • 896 Posts
    • 4,072 Thanks
    TM6
    Fiscal Fast Day 65
    Fiscal Fast Day 65

    A super NSD
    "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 18th Mar 18, 10:42 PM
    • 15,878 Posts
    • 134,575 Thanks
    JackieO
    Food shopping cost me 19.11 which I was pleased about and no more shopping for awhile now.

    I have some Christmas cash in the back of my handbag that I haven't spent yet and this week I am going to suss out the King Pro pressure cookers at MrT's as a three litre one is on sale at 49.00 and I rather think its just what I want, My eldest DD's husband bought the 6 litre one and I was at their house for dinner last night, and I thought after seeing it cook what a great cooker it seemed to be.

    A smaller one will do me quite well I think. Can't think of anything else I need or want at the moment.

    I had several gifts at Christmas and my birthday of cash from family folk who coulnd't think what to give me, plus a cheque from my late OH's lodge and have not spent hardly any of it so far. So a treat looks like its on the way this week at some point (if the blessed snow stops falling that is )

    Onwars and upwards chums

    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 food shopping so far 16.12
    • TM6
    • By TM6 20th Mar 18, 6:37 AM
    • 896 Posts
    • 4,072 Thanks
    TM6
    Fiscal Fast Day 65
    Fiscal Fast Day 65

    Another LSD - the princely sum of 2.50 on baguettes, lettuce and muffins.

    Living in such a beautiful part of the world as we do and VERY unaccustomed to snow, deliveries down here have been extremely erratic so bread etc has featured quite highly in our purchases in the past 2 weeks as we have had to buy them when we see them. It's been a killer for the NSD

    This was our local Sainsbury's at the beginning of March at 9am on a Saturday - their prime selling day

    Last edited by TM6; 20-03-2018 at 6:41 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 20th Mar 18, 7:11 PM
    • 896 Posts
    • 4,072 Thanks
    TM6
    Fiscal Fast Day 66
    Fiscal Fast Day 66

    AWESOME - another NSD

    I must tot up how many I have had now and what percentage they are compared to spending days
    "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 21st Mar 18, 7:59 AM
    • 15,878 Posts
    • 134,575 Thanks
    JackieO
    Managed to get the King Pro processor at Tesco's click 'n'collect for 45.68 and it should be in store late this afternoon so I am pleased as it was cheaper than advertised online plus I get some points with it .My treat to myself with some of my Christmas unspent cash and I still have a bit left over which I will spend when I go into London in April with my eldest DD for our annual shopping trip to the west end

    Mrs SD glad you enjoyd the Melting moments ,they really are easy peasy to make and are cheap as chips


    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 food shopping so far 16.12
    • TM6
    • By TM6 21st Mar 18, 6:09 PM
    • 896 Posts
    • 4,072 Thanks
    TM6
    Fiscal Fast Day 67
    Fiscal Fast Day 67

    I've still not added up my NSDs but I have another one for add.

    So for Monday, Tuesday and Wednesday my total spend is 2.50 - awesome!

    I am picking up tips from on here and JackieO, I am waiting until I have quite a few items before I even consider going shopping.

    Fresh fruit, veg and bread always seems to be at the top of our list Do you have any hints or tips for buying the fresh produce?
    "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 22nd Mar 18, 6:56 AM
    • 15,878 Posts
    • 134,575 Thanks
    JackieO
    Fiscal Fast Day 67
    I am picking up tips from on here and JackieO, I am waiting until I have quite a few items before I even consider going shopping.

    Fresh fruit, veg and bread always seems to be at the top of our list Do you have any hints or tips for buying the fresh produce?
    Originally posted by TM6
    Well done ,its surprising how much you spend on those odd 'must nip out and get one item' trips as you ALWAYS spend more I think on short top ups than on regulated twice a month ones.
    My late OH used to call it the 5.00 loaf .
    I rarely eat bread as I prefer crackers ,but when I did then I would wrapin cling film four slices at a time and freeze,I live alone so it would take me ages to get through a loaf at two slices a day

    When it comes to fruit and veg as I try now to shop twice a month I will buy stuff like celery,lettuce, green veg as fresh as I can get it preferably with a long date.

    Celery and cabbage I wrap in tin foil and keep at the bottom of my fridge. I have a lettuce keeper which is really brilliant, but if you don't then that too can be wrapped in foil (tear bits off the lettuce or cut off with a plastic knife, as using metal ones turn the edges brown)

    Carrots: I take out of the plastic bags (if I can't buy loose)and keep them as well in the salad drawer

    Onions: I peel dice and freeze

    Potatoes: I have a cotton spud bag which I decant them into, and hang up in the cupboard under the stairs as keeping them dark keeps the from sprouting too quickly.
    I also have an onion bag as well if my freezer is to full for anything else

    You can buy them in the pound shop or make one yourself (bit like the old drawsting gym shoes bag from school) as long as it fairly thick cotton with a drawstring top, you could even use an old cut off jeans leg and run a long shoe lace through the turned over neck to make your own if you really want to save some cash

    I have one of these that I store rolls of Christmas wrap in after Christmas and it is hanging on the back of my spare bedroom door out of the way.

    Cucumber and tomato's store quite well in the fridge although I always cover the top of a cut cucumber with a bit of foil as well to keep the end fresh. Broccoli keeps well in foil and cut the thick stalk bit off and freeze for to be chopped up in soup,stews etc

    I have a cool conservatory that I keep apples,oranges and bananas in as the cooler the place the longer they will last.

    I prep 'n'peel spuds once a week for use, and keep in cold water in the fridge and change the water every two days. If they look as though they are sprouting too much I will peel cook and mash and when cold freeze on round portions to be m'waved when needed.
    You can do this with brussels or carrots as well and it makes them quick and easy to grab in a hurry to cook.

    Mushrooms I take the plastic wrap off if I have bought a box ,wipe clean and lay some kitchen roll or loo roll in the box and return to the fridge stops them getting slimy.but if they are looking a bit wizened then they are turned into soup, or peeled and frozen to be chucked into a stew or casserole. If bought loose keep them in a paper bag at the bottom of the fridge .The stalks can be cut off and used in an omelette, or frozen for soups, casseroles etc.

    Nothing is wasted if I can help it I spend about a third of my food budget on fresh fruit and veg, I enjoy piling it up ,especially green veg as its not only good for you it bulks out a meal.I can't imaging not having lots of veg. I even if it getting past its best will make a veggie curry or lasagne using up the veg instead of meat. I am a meat eater but like the occasional meat free meal

    Apples are delicious in cooking and apple and cinnamon muffins or diced fruit in yogurt is lovely I buy a big pot of low fat greek yogurt and use it a generous dollop at a time with chopped up apple or grapes for a pudding. a small pudding after your meal will also extend the meal to a feast. Clapped out veg can be turned into soup for lunches or as a starter before dinner (but no pud afterwards )

    hope this helps a little

    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 food shopping so far 16.12
    • suki1964
    • By suki1964 22nd Mar 18, 8:07 AM
    • 11,021 Posts
    • 29,368 Thanks
    suki1964
    Well done on realising that the more you shop the more you spend

    I don't mean that to be rude, but it's true that if you do a midweek shop, you spend more then you need to

    What I tend to do with veg, is plan my meals with the fresh veg heavy meals at the start of the week, working towards Friday night is chip night

    So Sunday will have a full compliment of fresh veg with the Sunday roast, Monday is invariably the same. Tuesday, different fresh veg, Wednesday it might just be root veg or salad , Thursday will be roots or using up little bits and bobs in a stir fry. I always have frozen peas and corn to hand

    Fresh veg lasts a long while tbh. I buy on a Saturday and I might not use it all that week, it's fine the following. I bought a butternut squash that sat in the fridge for 3 months before I got round to using it , and even then it was just the stalk gone a bit mouldy

    Fruit ( which I personally don't eat) also lasts well. Buy in season and you will have less waste as its not been in cold store for months before sitting in your nice warm house. Those severely fluctuating temps tend to make fruit rot quicker. Apples, pears, bananas, oranges all last a good week. Canned fruit is just as good for you as long as it's in natural unsweetened juice, not syrup

    Bread, we do use a lot off and I need a mid week loaf as I don't have freezer space to spare. So I buy it at the local petrol station. Costs me 30p more but saves me 10 as nothing else is bought lol

    So tonight's dinner is roast chicken. We will have roast parsnips and carrots ( a bit bendy but will be fine roasted) and some Brussels bought last week and not used. Might have to trim a little more but they are still firm and peas. Maybe not 5 a day for me, but the rest eat fruit so I'm not worrying
    if you lend someone 20 and never see that person again, it was probably worth it
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