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  • FIRST POST
    • dustydigger
    • By dustydigger 21st Jan 18, 5:47 PM
    • 505Posts
    • 1,773Thanks
    dustydigger
    Dusty's Frugal Fortnights
    • #1
    • 21st Jan 18, 5:47 PM
    Dusty's Frugal Fortnights 21st Jan 18 at 5:47 PM
    I love MSE,so much wisdom and practical advice for someone seeking to improve not just finances but the quality of life. However it is surely a time eater,and being frugal with my time is certainly a high priority on my agenda! I spend way to much time online these days,and frequenting MSE has added another hour to the total!
    So I thought it wiser for now to have a diary where I can post my thoughts and plans,rather than posting - however much fun it is - on lots of threads.
    I will be 70 end of a,Mr Dusty is 78. We live on the guaranteed minimum income pension,and need to live frugally,because with 4 children,5 granddaughters,a great granddaughter with a great grandson due in March,plus various partners making a grand total of 14 people to buy for at Xmas and birthdays I definitely need to keep control of my finances. Plus of course saving for household needs,and all the normal expenses of running a home.
    For years there was always at least one child in dire financial straits,but things thankfully have stabilized,they have jobs and are settled,and at last I can get my finances firmly under control.I have one more arg*s payment and then I am totally debt free
    I have my bills on direct debit,and this month have set up several bank accounts for different purpose,and am starting this new year with eagerness for once (more later on various woes).Mr Dusty saves for himself,but he has family in Africa where life is extremely hard and he has constant drains on his finances.All the bills and running the house come out of my part of our income,and we arrange our affairs on a fortnightly basis. I hope keeping track of all my affairs in a mindful manner will lead to a feeling of financial security and stability - and its quite fun too challenging myself to live in a frugal way. A new fortnight starts tomorrow
    I also hope to add posts about decluttering and organizing the home,about my Slimming World continuing challenges,recycling,and also about the Sealed Pot challenge,surveys,hobbies etc,and anything really that comes into my head!
    Looking forward to improving many parts of my life!
    Last edited by dustydigger; 16-05-2018 at 11:28 AM.

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

Page 25
    • Sayschezza
    • By Sayschezza 31st Jul 18, 7:54 PM
    • 295 Posts
    • 2,662 Thanks
    Sayschezza
    Your doctor is talking rubbish and needs to read up on underactive thyroid symptoms. There is a website called Thyroid U.K. (I think) used to be run by a Lynn Mynott who can answer all your questions.
    • Chrystal
    • By Chrystal 31st Jul 18, 8:53 PM
    • 369 Posts
    • 2,382 Thanks
    Chrystal
    Regarding the diet Dusty, have you looked at the 5:2 diet - it has loads of health benefits and is nowhere near as scary as it sounds. I lost over 2 stone in 6 months and felt much better in myself - I have thyroid problems and autoimmune problems as well (have done for around 50 years!) There's a website with a forum, which is quite active and very helpful. May be worth a look anyway. Hope your flareup eases soon. X
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • dustydigger
    • By dustydigger 31st Jul 18, 8:54 PM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    Jul 20, 4:47pm


    Monthly Alphabet Challenge for August : The Clever, Challenging, Captivating C!



    C is the third letter of the basic Latin alphabet. Both C and the letter G derive from the same root, the letter gimel in the Semitic alphabet. It may be pronounced as soft c mimicking the s sound , as in cellar, circus or cycle or it may be pronounced as a hard c, mimicking the k sound, as in cake, candy or cut. Benjamin Franklin was not a fan of the letter's variable sound, and campaigned unsuccessfully to have it removed from the alphabet. In the phonetic alphabet, C is spoken as Charlie.

    As a stand-alone letter, C can denote degrees Celsius, century, or a particular programming language developed by Bell Labs in the 1960s and 1970s.

    For August

    The Clever, Challenging, Captivating C!

    1. Read a book where a word in the title starts with the letter C.: Jim Butcher - Brief Cases

    2. Read a book where at least one of the author's initials is C: Richmal Compton - Just William

    3. Read a book with something starting with the letter C shown on the cover: Fred Hoyle - The Black Cloud
    ( a cloud from space covering the earth)
    Last edited by dustydigger; 31-07-2018 at 9:12 PM.

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • dustydigger
    • By dustydigger 31st Jul 18, 9:21 PM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    NST - Achievable August

    Welcome to August!!!8217;s NST challenge.

    The flowers for August are the Gladioli and the Poppy which represents beauty, strength, love, marriage and family.

    So for August we are going to pick one of the above to work on if you feel you have let your skincare routine go, or you have been saying yes too often to things or maybe you need to start loving yourself (or others) then that will be your focus this month.

    Rules:


    Aim for 15 NSDs this month. If you think you can do more that is fantastic
    Medical spends, fuel or days when the only purchase is reduced items do not count as spends.

    Update (Budgets) ; instead of just setting budgets for the month I want you all to look at any direct debits/standing orders/continuous payment authorities and check to see if you still need or use them. If you dont get cancelling.
    Also make sure you pay to debts first this month and also put some in savings.

    Get (prepared for Xmas); Xmas is only 5 months away so that is either 4 or 5 pay days for monthly paid people. Have you written your list of who needs a present? If you have can you cull some from the list? A lot of people buy over Xmas for others as it is what has always been done but are too frightened to speak up !; well Turtles are not frightened of suggesting things!! Maybe a family Secret Santa would help save money. Once you have your list down to the minimum then you need to start thinking of ideas and then start looking for those things in the sale or even better for free.

    Utilise (free activities in your area) - I would like everyone to find out about free activities for kids or adults in their area and attend one of these; obviously if its not until later in the year thats fine, book now if you need to or if not get it in the diary and maybe rope some friends in as well.

    Share (money saving tips) ; I would like people to post once a week with a moneysaving tip, you may have been doing it for years and think everyone knows about it but I guarantee not everyone will know about it so get sharing.

    Treat (yourself); I would like everyone to budget 3 for a luxury item, I want everyone to treat themselves this month. Maybe it's a favourite chocolate bar that you haven't brought in ages, maybe it's a nice soap/shower gel but is too expensive to buy for day to day use.
    If your only spend on the day you buy this item is that item then you can count it as a NSD.

    The challenge will run from 1st August 00:01 until 31st August 00:00.
    ..........
    New Month for the Ninja Saving Turtles challenge. I dont do it formally but always find things to ponder of be mindful over,so I like to insert it here.
    Oh-oh,Xmas is coming!!!!!!!
    Last edited by dustydigger; 31-07-2018 at 9:27 PM.

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • Onebrokelady
    • By Onebrokelady 1st Aug 18, 10:41 PM
    • 488 Posts
    • 1,684 Thanks
    Onebrokelady
    Thank you
    What is the app you use?
    It sounds great.
    Originally posted by beanielou
    Hi,the app I'm using is called Curable,you can try it free but if you want to use the full programme you have to pay,I just say I have found the info on the free trial has been eye opening and listening to that has helped me a lot,I also bought the book that their ideas are based on by Dr John Sarno caled The Mind Body Prescription Healing The Mind Healing The Pain and itscreally helped,I'm seriously considering paying for the app, you can pay monthly which is a bit more pricey or you can do a whole year which works out cheaper in the long run,the downside to that is you have to pay it in one lump sum and you can't cancel it and get your money back but if you pay as you go you can cancel at any time so I'm going to pay for a month and see how I get on,if I don't think it's helping I can just cancel it
    They also have a podcast called Like Mind Like Body and I've found that really helpful too,I found another podcast today called Pain Reframed which they recommend,I haven't listened to it yet so I don't know how good it is
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 1,038 Total Now Owed = 16,592
    Emergency Fund = 450.00 Xmas savings = 300.00
    • Onebrokelady
    • By Onebrokelady 1st Aug 18, 10:46 PM
    • 488 Posts
    • 1,684 Thanks
    Onebrokelady
    Never got back on here after all last night.Instead of reading one of the diaries I decided to check up on a Pinterest hypothyroidism article - fatal mistake,one pin lead to another and I spent over an hour perusing old glamour pics of the Hollywood stars. Wonderful pins on things like Grace Kelly's most beautiful dresses,or the major fashion accessories of the 1940s stars.I love those old photos.I come from the time when we went to the local flicks 3 or 4 times a week - we had no TV then. We would knock on neighbours' doors and beg for their old glass pop bottles to take back to the corner shop, a penny a time (old pennies of course,this was around 1956,240 pence to the pound.)6p got you a smashing 2 hours of entertainment away from the gloom dullness and angst of a world overshadowed with fears of the Bomb) They changed the films regularly on Monday and Thursday,and also one on Sunday. Our little town of 25,000 people had four picture houses,so you could see a different programme every day,and also the kids' matinees at 3 of them every Saturday morning.No wonder once TVs became ubiquitous and our generation became TV addicts the cinemas shut down. They all became bingo halls in the 60s Our ''local'' cinema was only 10 minutes walk away.My dad would take me on a Wednesday night if he wasnt at work,and my mother sometimes would take me as a treat to the somewhat posh Princess theatre on Saturdays. It had lovely golden coloured velour seats,very swish! I have many happy memories of those days.
    By time I surfaced it was time to make supper,and Mr Dusty was around so end of peace and quiet


    Two of my fave stars from that time? Couldnt be more different yet both were impossibly glamorous - Sophia Loren and Audrey Hepburn. My sister,12 years older than me dragged me to see films full of ladies in fancy dresses,like Doris Day. I preferred westerns and silent comedies,still hugely popular in the late fifties.She adored the ''women's films'',the ''weepies'' so I saw an awful lot of Susan Hayward,Bette Davis,Ava Gardner and the like. I'm sure thats why I dont want to watch miserable films of later times....and goes for books too,I want upbeat reads if possible. I'm with Jane Austen,when she wrote in Mansfield Park ''let other pens dwell on guilt and misery,I quit such odious subjects as soon as possible.''YAY Jane!''

    I remember my sister dragging me to see The Robe with Jean Simmons and the young Richard Burton (pre Liz Taylor and alcohol days),and crying my eyes out each time when Richard went off to martyrdom. I have never watched that film since!
    My sister would come out beaming after a weepie,red eyes and all.The highest accolade was a ''three hanky film''


    Oh dear,what has all this to do with frugal living. Not a thing!Sorry.But I suppose I could get away with classing browsing through Pinterest as a ''hobby''. I mostly have boards on art,I love to soothe myself with looking at some of the beautiful paintings pins I have collected.Any Pinterest fans here? What kind of pins do you collect or look at?
    If you like beautiful paintings check out my page - www.pinterest.co.uk/dustydigger48/
    Originally posted by dustydigger
    I love Pinterest and have several boards of ideas,I use it for craft,gardening and recipe ideas,the only problem I have is that once I go in there I am gone for hours looking at stuff and then run out of time to actually try any of it out
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 1,038 Total Now Owed = 16,592
    Emergency Fund = 450.00 Xmas savings = 300.00
    • dustydigger
    • By dustydigger 2nd Aug 18, 8:59 AM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    Your doctor is talking rubbish and needs to read up on underactive thyroid symptoms.
    Originally posted by Sayschezza
    .I know,I was quite taken aback really,I thought weight gain was a very common side effect of thyroidism.This was yet another new doc so he knows nothing about me. He was trying to push the Eatwell plate on me not for weightloss,just as a eating plan. I gently pointed out that my diabetes is in remission at the moment because of cutting down a lot on starchy carbs ,not increasing them to nearly 40% of my intake.plus I already get some carbs from all the veggies I eat.I can feel the hypos coming on already just at the thought of it.Wasnt too taken with the small amount of protein on the plate either,And unbelievably it had a 10% section marked off for ''foods and drinks high in fat and/or sugar.'' I can see why the Eatwell plate is anathema to the LCHF advocates,its enough to give them apoplexy
    All in all not a productive visit!

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • dustydigger
    • By dustydigger 2nd Aug 18, 9:56 AM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    Regarding the diet Dusty, have you looked at the 5:2 diet - it has loads of health benefits and is nowhere near as scary as it sounds. I lost over 2 stone in 6 months and felt much better in myself - I have thyroid problems and autoimmune problems as well (have done for around 50 years!) There's a website with a forum, which is quite active and very helpful. May be worth a look anyway. Hope your flareup eases soon. X
    Originally posted by Chrystal

    I am sticking to 16/8 for the moment its easy just to skip breakfast.First day yeserday I felt a little woozy and had to discipline myself when making Mr Ds breakfast. He had omelette packed with onions and fried in butter,which he enjoys eating in a sandwich! Absolutely delicious and a major temptation to me. If I am on IF I know I need to discipline myself. There was some left over,and lately I have been scarfing it up probably no more than 50 calories but it surely mounts up over time!
    As for 5:2,the temptation to eat far too much is huge,especially since I am making meals with rich sauces etc for Mr Dusty.
    My favourite old Green Days regime on SW in the past where you were told to eat as much as you like of the permitted food made the plan very enjoyable,but really encouraged bad eating habits,because all those carbs ended up increasing insulin problems,and I ended up with diabetes
    Doing IF,cutting out processed and fried food,and having less snacks worked well for me last year. In 9 months I lost 4 stone!
    Sadly all the stress and illhealth this year,and probably (despite what my doc say)the underactive thyroid led to weight gain this year,12lbs in the last few months.
    Got to nip it in the bud!

    If only my stress levels could go down,it would be easier. I must be producing enough cortisol stress hormone for five people!

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • dustydigger
    • By dustydigger 2nd Aug 18, 10:14 AM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    Ouch,my feet neuropathy is playing up badlyI didnt get to the family history group yesterday.The night before I couldnt sleep at all for the pain,so yesterday I kept dozing offMr Ds supper was late because I dozed off for half an hour at around 8.20.He was not amused.
    Much better this morning,just as well as I need to go to Ald!for my yoghurtsand the ubiquitous peanut butter,then the butcher for lamb steaks and sausages for Mr Dusty,and lean steak mince for me. Also to Her*ns for some frozen veg till I do my big online shop for Monday.
    I have been going weekly to Icel@nd to do that shopping to earn a 5 bonus,calling in the Asd@ next door too.and I am really feeling the strain,very tempted by all those cakes and sweetsetc. There are very few aisles in a supermarket that you can walk down with impunity. treminded me of the reason why I do almost all my shop online,to avoid those lures!

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • dustydigger
    • By dustydigger 2nd Aug 18, 10:25 AM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    I love Pinterest and have several boards of ideas,I use it for craft,gardening and recipe ideas,the only problem I have is that once I go in there I am gone for hours looking at stuff and then run out of time to actually try any of it out
    Originally posted by Onebrokelady

    I am like that too,OBL,its a serious chronovore.

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • Onebrokelady
    • By Onebrokelady 2nd Aug 18, 10:17 PM
    • 488 Posts
    • 1,684 Thanks
    Onebrokelady
    I am like that too,OBL,its a serious chronovore.
    Originally posted by dustydigger
    had to look up what a chronovore was,I've never heard of that before but it's true
    Sorry to hear you feet have been playing up,imuse a gel called Pernaton Gel on mine when they are particularly painful and it helps to sooth them,it's for painful joints really but I use it for muscle aches and pains too,it contain extra top greenlipped mussle and it recommended for use in conditions that caus painful joints,I has a cooling menthol effect so quite nice if my feet are burning
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 1,038 Total Now Owed = 16,592
    Emergency Fund = 450.00 Xmas savings = 300.00
    • dustydigger
    • By dustydigger 3rd Aug 18, 3:33 PM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    Green lipped mussels,hey? What if I want purple or yellow lipped?Quite expensive,I am lucky to get my piroxicam free,and its quite good,but I use it sparingly,only when things are very bad.
    Was not amused to find that it has been removed by my doctor from my repeat prescription list,they probably think oh her knee replacements means she doesnt need pain meds anymore. Oh yeah,with hands curled up like talons and burning feet?
    They also took away my strong vitamin B,and my codeine,but I am glad about the latter,strong painkillers affect me badly. I think I need to take a good quality multivitamin now that I have thyroid issues,so as to bolster my body as much as possible.
    I also feel that giving up the alcohol has had a beneficial effect for my liver,and giving up the sugar has helped fight the diabetes,so really compared with the wreck I was a for about 5 years I'm blooming....comparitively speaking,still couldnt raffle me off,no one would buy tickets

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • Sayschezza
    • By Sayschezza 3rd Aug 18, 5:07 PM
    • 295 Posts
    • 2,662 Thanks
    Sayschezza
    I take magnesium which seems to help with the energy and certainly helps with night cramps.
    • dustydigger
    • By dustydigger 4th Aug 18, 1:32 PM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    The man next door is making some sort of deck and extension outside his kitchen,barely 2 yards from my kitchen window(its a terrace) Today he poured some sort of stuff,rather like creosote,but smelling exactly like nail varnish remover. He and his wife were wearing masks and were of course outdoors,in a strong wind.
    I on the other hand opened my kitchen door and nearly choked,the stuff was so strong.

    An hour and a half later later the house is still stinking. I have a shocking headache and found making the dinner unpleasant to say the least.I dont suppose they realized the wind would blow the stuff away from them,but towards me.
    My lips are still tingling and my lungs feel a bit dodgy.I am running late making the meal because at its worse it was very very strong indeed and I had to stay out of the kitchen. A lot lower now,but still noticeable
    Hope it goes before the tribe arrives,with the babies.
    I did open the sitting room window,but not the kitchen,which was just letting more of the smell in!

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • beanielou
    • By beanielou 4th Aug 18, 1:44 PM
    • 56,147 Posts
    • 226,963 Thanks
    beanielou
    Blimey that sounds dire.
    I hate nasty smells.
    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. MFW 2018. No 144
    • Onebrokelady
    • By Onebrokelady 4th Aug 18, 10:24 PM
    • 488 Posts
    • 1,684 Thanks
    Onebrokelady
    Green lipped mussels,hey? What if I want purple or yellow lipped?Quite expensive,I am lucky to get my piroxicam free,and its quite good,but I use it sparingly,only when things are very bad.
    Was not amused to find that it has been removed by my doctor from my repeat prescription list,they probably think oh her knee replacements means she doesnt need pain meds anymore. Oh yeah,with hands curled up like talons and burning feet?
    They also took away my strong vitamin B,and my codeine,but I am glad about the latter,strong painkillers affect me badly. I think I need to take a good quality multivitamin now that I have thyroid issues,so as to bolster my body as much as possible.
    I also feel that giving up the alcohol has had a beneficial effect for my liver,and giving up the sugar has helped fight the diabetes,so really compared with the wreck I was a for about 5 years I'm blooming....comparitively speaking,still couldnt raffle me off,no one would buy tickets
    Originally posted by dustydigger
    It is quite pricey but it lasts for quite a while,another good one is Vicks Vapour rub,I was told to rub this into the soles of my feet if I was having trouble sleeping so I did and slept really well,a happy side effect was that it cooled my burning feet
    I'm not sure the mussels come in purple or yellow
    I have to stay away from codiene now because it gives me a horrible headache whenever I use it
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 1,038 Total Now Owed = 16,592
    Emergency Fund = 450.00 Xmas savings = 300.00
    • dustydigger
    • By dustydigger 5th Aug 18, 1:54 PM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    Rather a dull fortnight ending today,did little,was depressed and down or in pain much of the time so the state of the fortnight report is not at all riveting!.
    +savingsnly 25 went to savings on the 23rd,and I have a princely 5.47 in coins to go to my Sealed Pot challenge and 3 2,but wont be going to the history group because of a hair appointment on Wednesday, hopefully I will have a tenner to add by the following week to 30 bagged ready to put in the credit union for my House and Home Fund. It will then be over 430.
    +I do have quite a bit of food in the house,as I went to Ald!,Asd@ and Icel@and for top up shops last week so I can put off the Asd@ online shop till later in the week.
    +Surveys have been poor this last week or so,all my fault as I dont look often enough on my laptop to see when they offer me surveys,and one day there were no less than 12 messages when I looked on hours too late,and they had all been filled.Even when I am doing surveys my typing is so slow and clumsy lately that I am continually timed out on Prolific. They have given me some really long surveys,supposedly taking 10 minutes,but giving you 20 for leeway. I am taking nearly 30 mins and am timed outI've lost about 6 this week Has even been happening on MySurveys which is normally not a problem.The ease of checking for surveys on a smartphone as opposed to opening up the laptop and having to drag the cursor across the page so many times thus being slow is perhaps one of the few reasons why someday I would very reluctantly be one of the last people in UK to get a smartphone! Apparently a massive 80% of adults now have one,double from 5 years ago.
    So despite spending hours on surveys where I am screened out because I dont fit or I have been too slow or I am told I am have been too late to the survey and after the tedious filling in the usual details,I have made less than 1.At least YouGov usually still have places even if I am a day late,its only about 25p for a pretty long effort. Its taken 6 months to reach 16,and I need to reach 50 to cash out
    +family history.Havent even opened the bag from last visit to group 10 days ago! Only thing I did was locate some coloured labels I wanted to differentiate the family lines,bt turns out they are only like post-its only one end sticky,so I will need glue or sellotape which is fiddly
    +diet and exercise: pathetic. Did get out shopping a few times with my trusty trolley,did quite a few steps I suppose,but most of the time was stuck in the house. Started intermittent fasting this week,which saves a few calories, I think I've lost half a pound this fortnight.Had hoped to get thyroid meds to help mebut didnt,so the same old frustrating situation continues. Oh well,I am just going to have to aim for a pound a month loss,its certainly better than nothing,and going the right direction. And I think my eating habits are better so can bolster my health as much as possible.Will try to reach the 3 and a half stone mark by Xmas,and maybe the 4 stone level before going to my yearly diabetes checkup in April,determined not to have to go on insulin
    What a miserable post this has been. New fortnight tomorrow,hoping to do better.
    Will check out a few diaries,then I MUST watch some of my recorded TV programmes. I am getting up to the upper limits of recording space on my Freesat machine. I never seem to get the chance to be alone to watch TV!

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • dustydigger
    • By dustydigger 6th Aug 18, 1:06 PM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    Dusty's Frugal Fortnight 6th Aug - 20th Aug
    income: from Mr Dusty 291 my pension 71 from CA 6 - total 368

    outgoings;
    gas and electric - 91
    phone + broadband - 29
    water rates - 36
    birthday fund - 20
    hair trim - 6
    Asd@ home delivery- 40
    delivery charge - 5
    HBB - 141 (cash)
    totaloutgoings

    Oops,had to supplement my pay with 6 from the CA today,and put aside the passport fund till next time.Had to cut down really hard on the Asd@ shop,and still had to add a little cash from the CA to balance the books.Not even a personal allowance this time,so no buying stuff for myself Putting away that 50 for the USA trip month,on top of savings for Xmas,passport etc is making things a bit tight on the budget outline. I will have to do a top up shop from the cash budget for the things I cant afford from online accounts,and thats ample,so will be perfectly fine.
    Its just the seeming lack of the surplus which I enjoyed popping in the bank each budget day. Now there are direct debits,which do the job and whisk away the required savings,but are not as satisfying as being able to transfer 50 or 70 quid by hand!
    Anyhoo,the state of the savings:
    Xmas fund - 475/800
    US trip - 130/1000
    mixed bag -200/300
    emergency fund - 400/1000
    house & home - 396/1000

    Sadly nothing available for Xmas savings this fortnight,first time for months,though I did put about 20 on my shop cards,so it wasnt a total bust
    Last edited by dustydigger; 06-08-2018 at 1:19 PM.

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • dustydigger
    • By dustydigger 7th Aug 18, 8:34 PM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    You Gov must have heard me moaning about a lack of surveys because they have offered me a set of 10 surveys for 5plus an extra quid if I complete the set. Quite short,perhaps 10mins each and I have done 5 so far.

    MySurveys annoying still letting me spend 10 mins or more doing a survey,then screen me out,or time me out. Must have tried 15 surveys lately without earning a penny. I have 420 points,need 550 for a 5 Amaz*n voucher. 30 mins wasted again today on 3 surveys,not a penny gained. But I will persevere till I get that fiver then leave them.Could be 2 years cashing out from the other surveys,but my time is valuable,not worth the hassle.

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • dustydigger
    • By dustydigger 7th Aug 18, 8:46 PM
    • 505 Posts
    • 1,773 Thanks
    dustydigger
    Went off to climb the hill to Icel@nd and Asd@ with my trolley yesterday.Phew it was hot,very tiring.I thought I had spent the 10 minimum spend to qualify for my 5 bonus,counting as I put things in the trolley,but I miscalculated when I put an item back on the shelves and ended up 12 pence below the level,realized a second too lat after the card had gone through. Good job there are almost 2 weeks left till 19th closing date,and I will be spending at least a tenner before then,but is irritating,and all my own fault

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

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