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  • FIRST POST
    • foxgloves
    • By foxgloves 27th Feb 18, 4:06 PM
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    foxgloves
    Put away your purse & become debt-averse
    • #1
    • 27th Feb 18, 4:06 PM
    Put away your purse & become debt-averse 27th Feb 18 at 4:06 PM
    I've decided to start a diary to show that it's possible to change from a terrible money waster into a a bit of a budgeting ninja. OK, I'm not perfect....we all have slip-ups now & again....but I am proud that by my budget efforts & our surprising willingness to change from big silly spenders (we really were a pair of narnas!) to really quite sensible people, we managed to become debt-free. We paid off around 35k & really, just learned how to live differently And you know what? We really enjoy it! Turned out that all that spending & having to have stuff immediately didn't really make us happy. Who'd have thought it?
    Pre-LBM, my principles for money management were:
    1) Buy pretty much whatever I wanted when I wanted. Overdraft was seen as another word for 'more of my money'.
    2) Open bank statements, look at the balance through semi-closed eyes, carefully fold & replace in envelope & put in drawer.
    3) Tell myself bank balance is fine because it's only 3 weeks till pay-day.
    4) Always withdraw useful wodge of cash the week before pay-day just in case that pesky bank was planning to show me up in the supermarket by stopping my debit card.
    5) Never budget - why waste time on this when my own system worked so well?
    6) Tell myself not to worry about savings. They would be nice, but I 'didn't earn enough'
    That was about it, really. I didn't budget at all & made no effort to spend within my means. I lived outside my means from the age of 19 & didn't become debt-free till my 40s!
    The LBM was huge. I had it first & my partner showed initial signs of resistance, but when he saw my debts disappearing, he soon wanted in on the act & is now like a different person with money.
    Two years ago, we borrowed a modest sum to help us buy a car, We always knew this would happen & we made sure we saved up a good deposit. It was always our intention to re-pay the loan early & we did manage a nice overpayment of 2000 last year. However, our 2nd overpayment was almost ready to pay in when we had a string of expenses which we didn't want to put on credit cards, so we used our loan overpayment money to pay those. Last year was difficult in many ways & although we didn't return to our previous naughty spendiness, I think I started to lose some of my focus. Before Christmas, our Loan Pay Down Fund (LPDF) was down to just 60. Now it is already up to 421, really just from little savings, selling a few bits & bobs here & there. One thing I'm going to be really BIG on this year is 'Shopping from home', as in doing that first, to see if a spend can be avoided. I've got off to a really good start with that, starting with my new year de-cluttering & have found all sorts of useful stuff that will save me money further down the line. I also intend to do a full kitchen cupboard audit. Although I'm a DFW 'Small things' regular, I've never done a DFW diary before, so I'm going to use it to focus my efforts & get that LPDF up to 1000, then the next 1000, etc, asap. If you are the sort of person who gets excited about the contents of other people's cupboards & the satisfaction of saving a few quid here & there, then do join me for sharing ideas, laughs & moans, & I promise to throw in a few tales from my Spendy Decades - I have kept a journal for a lot of my adult life & I absolutely wince now, reading some of those diary entries about my cavalier attitude to money. I suppose they show that if I can change, anyone can! Oh well, onwards! I loved being debt-free & just a small amount of effort will mean that I can soon be again.
    F x
    Last edited by foxgloves; 27-02-2018 at 4:13 PM.
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
Page 9
    • foxgloves
    • By foxgloves 12th Apr 18, 6:33 PM
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    foxgloves
    Hi Debtbusters,
    An extra little payment to the loan pay-down fund today, as sold a couple of jars of my home made preserves.
    And another 10 in survey vouchers. I've spent those straight away as putting them towards a family birthday present I was planning to buy anyway, has almost halved the cost.
    Then meal planning & diet planning. For next week's meal plans, I've done the same as last time & apart from buying a chicken (which will do at least 3 meals), I've based it heavily on stuff I can shop from home, including 2 new recipes - I'm always trying out new ones clipped from magazines, cookery books from the library, etc.
    I mentioned that since my big weight loss, I've stuck & just yo-yo'd the same stone & a half on & off for 3 years. Well, I'm absolutely in the right frame of mind to get it back off plus a little more. I also want to increase my nutrient profile & am going to do this by changing my weekday lunches from bread/toast-based to much more varied healthy bowls of stuff. But I didn't want to bust the grocery budget, so have done lots of planning today, & written my new diet plans into my bullet journal as well as a big date for a weigh-in at the end of July. As soon as it was all written up into my bullet journal, I felt really organised & positive. Additional healthy ingredients were added to our online shop this afternoon (as well as a cheeky bottle of cava for my birthday in a couple of weeks) & we still came in 3 under budget!!
    Planning is EVERYTHING in this game, isn't it?
    Talk to you again soon,
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • joedenise
    • By joedenise 12th Apr 18, 7:39 PM
    • 5,729 Posts
    • 42,300 Thanks
    joedenise
    Brilliant to come in under budget! What sort of meals are you planning? Could do with a few new ones myself.

    I already meal plan using as much food from the freezer & cupboards as possible but shopping is still coming to about 40 a week for 2 of us which is a bit high I think, although we can afford it so it's a case of wanting to reduce it rather than being a necessity.

    Denise
    • foxgloves
    • By foxgloves 12th Apr 18, 8:12 PM
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    foxgloves
    Hi Denise,
    Roast chicken on Sun, then in the week: cold chicken with jacket potatoes & salad, home made Mexican style pizza using more leftover chicken, smoked haddock chowder & home baked bread, one of Madhur Jaffrey's curries for leftover meat served with home made garlic flatbreads, chermoula tuna steak with new potatoes, sweetcorn & salad, veggie fajhitas using batch-cooked refried beans from the freezer.
    I'm going to make & freeze a batch of the garlic flatbreads as they're really useful. As I'll have spare yoghurt leftover from those, I'm intending to use it up in a batch of spicy chickpea burgers (Delia Smith recipe) & freeze those too, as we have everything else to make those already.
    There are 2 of us too. I budget 50 a week for groceries & that includes cat food, cleaning stuff & a few basic toiletries. I'm happy with 50, though food prices have defo been rising over the last year or so.
    F
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • joedenise
    • By joedenise 12th Apr 18, 9:13 PM
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    joedenise
    Thanks for that. Maybe 40 isn't too bad then as we don't have pets. My total includes cleaning stuff, loo rolls, toiletries. Food prices are definitely on the rise!

    D
    • foxgloves
    • By foxgloves 13th Apr 18, 3:28 PM
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    foxgloves
    I reckon 40 a week is really good, JoeDenise, I wouldn't worry about that being too high. We sometimes spend over the 50 target & sometimes under....the key thing is that we try not to go over the monthly amount, as that will be the thing that impacts elsewhere in the budget.

    Well, I got off to a great start with my job list this morning.but I've had to wait in for a parcel delivery, & gradually, all the jobs left on my list were things which I couldn't do, as wouldn't be able to hear a knock at the door. So couldn't go & do greenhouse jobs or vacuum or have a bath & hair wash or walk to the post office, etc. Can't bear sitting around waiting, so decided to set about survey sites with a vengeance. Pretty much all the money from doing those goes in the Loan Pay Down Fund or towards mr f's big birthday present later in the year, so at least I'm being useful. Did 2 Ipsos, 1 Prolific, 2 Onepoll & so many Toluna that I eventually got the message saying that was my quota for today. Still stayed on the site & added another 2000 points to my total by doing the Quick Click votes. Parcel has arrived now, so I can carry on where I left off. I have delayed potting up my baby aubergines & pepper plants for quite a while as it is sooooo cold at the moment, but with better weather promised next week, I'm going to risk it, I cloche everything with cut down plastic bottles anyway, & can bubble wrap them at night until we see this mythical sunshine. All our home grown veg helps a lot with the budget once it gets to harvesting time & I love doing it, so that's it......my boots are going on & I'm going to leave you & squidge down to the greenhouse. Cheers for now,
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 14th Apr 18, 8:45 AM
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    foxgloves
    It's NOT RAINING!! And my motivation has just gone up by 100%. Heading out to the greenhouse to see what my seeds (nearly all free ones) are doing.
    Sold another ebay item overnight & mr f informed me that he even did a survey in the bath this morning (?!), so we have really renewed our focus on exploiting all these little sources of additional cash to chuck at our last bit of loan.
    Must get a shift on. Have a good day all,
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • PurpleFairy26
    • By PurpleFairy26 16th Apr 18, 3:03 PM
    • 2,455 Posts
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    PurpleFairy26
    Eaten any frogs today ?

    I ate mine, took me 55 seconds ok, I'll need to go back for round 2 as the person didn't answer but I did leave a message. Go me
    • foxgloves
    • By foxgloves 16th Apr 18, 8:27 PM
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    foxgloves
    Ha! 3 frogs on the menu this morning.
    1st was eaten.
    2nd was then eaten buy needs re-tackling as no bloody response. Grrrrrr.
    3rd & biggest frog .......um.....well I'm afraid it's still sitting on the plate looking particularly large, green & amphibious.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • PurpleFairy26
    • By PurpleFairy26 16th Apr 18, 8:31 PM
    • 2,455 Posts
    • 16,656 Thanks
    PurpleFairy26
    Ha! 3 frogs on the menu this morning.
    1st was eaten.
    2nd was then eaten buy needs re-tackling as no bloody response. Grrrrrr.
    3rd & biggest frog .......um.....well I'm afraid it's still sitting on the plate looking particularly large, green & amphibious.
    F x
    Originally posted by foxgloves
    Less frogs than this morning is a success me things, although boo to none responders!
    • foxgloves
    • By foxgloves 16th Apr 18, 8:39 PM
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    foxgloves
    Really pleased with the grocery budget this month. So far, 3 out of 4 shops have come in under budget. Saturday's online shop, despite being at a more expensive supermarket than our usual one, still came in under target. Three underspends in a row mean that we either have an extra 19 to spend on our final shop of the month, or we can via it to a different budget or save it. I've already identified 3 or 4 meals in the freezer which will do for next week, so another good meal plan will be the key.

    A bit chilly now the sun has gone down, but I refuse to light the fire! April to September is a time for using as little gas & electricity as possible & building a surplus for winter......& maybe even a cheeky little refund.
    Best Wishes to all,
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 16th Apr 18, 8:45 PM
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    • 23,997 Thanks
    foxgloves
    PurpleFairy - Yes......in the words of Meatloaf "two out of three ain't bad"....though he wasn't talking about frogs. I MUST swallow the big massive frog this week. It's a legal thing we need to do. I've done all the prep & procured all the relevant docs (thought it would be cheaper to do that myself) but I don't know why I'm prevaricating so much on the rest of it as not doing this job is more stressful than actually doing it! Honestly, what are we like?!
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 18th Apr 18, 3:50 PM
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    foxgloves
    Greetings Spring Debt-busters,
    Sunshine!! Actual sun! The birds are tweeting like mad out in the garden today & my last load of laundry for this week has already blown dry for free. I've done some batch cooking this morning - a dozen wholemeal cobs, a batch of garlic flat breads & 8 chunky spicy chickpea burgers. All destined for the freezer, to help out with continued 'shopping from home'. I love cooking & it frees my mind up to think & my thoughts went back to why on earth I didn't have my LBM a whole load of years earlier. Time for another 'debtisode'.......
    Often on the DFW forums, I've noticed people set out their reasoning for this or that unessential spend & someone will say 'Oh, you haven't had your true lightbulb moment yet', & I know just what they mean, because my own lightbulb did some serious flickering back in the day. Sometimes it was flashing like the Blackpool Illuminations for a whole two days. But then it would sputter & be extinguished generally by me being out & about on a shopping trip & spotting something lovely.
    I've kept a journal for quite a few years of my adult life. They live in a box under the bed & I get one out occasionally to have a dip in to see what I was up to back in the 1990s. It is all too easy to see where the debt came from (my half of it, anyway....the lovely mr f brought his own share to the relationship). There are diary entries where I am obviously worried about money, knowing I'm close to getting my card stopped, or my unauthorised overdraft pulled, & I write about having to 'pull my horns in' financially. There would then follow a couple of days of exemplary behaviour.....batch-cooking red lentil bolognese, using up freezer & store cupboard supplies, avoiding unessential purchases - I've always been a resourceful cook - we had proper cookery lessons at school, the old-style 'Home Economics', I knew all about leftovers & how many meals it's possible to get out of one roast chicken.
    So, there would be a couple of days' diary entries where I went into money-saving mode, writing about how I needed to make sure my overdraft was less next month than this month, how I mustn't borrow any more on my flexible bank loan (Hmmm....now that damn thing is a 'debtisode' on its own, I wonder how many people on here had one of those?), etc. And to be fair, I sounded positive about sorting it out.
    Then, a couple of days later - it's so easy to see my old behaviour from old journals - there will be a entry saying 'Popped into city centre, met **** for coffee, stayed for lunch. Clinique bonus time in Debenhams, fab! Got a box of great stuff. Trousers I liked were in the sale, so bought them, also a top to go with them. Popped in M&S Food for some bits. Treated self to 2 CDs on way back to car park'.
    There would then be only the briefest mention of my financial situation for months.....just things like 'Thank goodness it's payday next week' or 'I must be very near my overdraft limit again' or the worst one.......'I must remember to pop to the cashpoint in case the bank is thinking of stopping my card' (then I'd spend that 'emergency' cash' & if the bank didn't stop my card, I'd still be buying stuff on that too).....I mean, what a total numpty! I can laugh at these episodes when I read them in my old journals, but it does seem odd that none of these flickering light bulbs actually ever flickered into life for longer than a couple of days!
    Oh well, our heads just have to be in the right place to effect any major change, don't they? Better late than never!
    Must remember to share the highs & lows of that flexible bank loan another time.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 20th Apr 18, 2:46 PM
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    foxgloves
    Another past 'Lightbulb Flicker' which could have been an LBM, but wasn't.......
    Way before the stressful trip to London on the day the bank stopped my card (see previous post for that sorry tale!), back when I was renting & lived in a flat, I can remember having had a real span of spendy weeks - I didn't have a very reliable car back then, & of course, I'd never got any kind of emergency fund for car bills or unforeseen horribleness.
    Anyway, I can clearly remember this because it led to me making perhaps the worst soup I have EVER eaten in my entire life! I decided to embrace batch-cooking & reduce my over-large expenditure on food. For some reason best known only to myself at the time (& I can't remember what it was) I decided to make a big batch of celery & millet soup. Yes, millet. I had bought a bag while on some kind of health kick. Little round grains better known as budgie food. I made a vast saucepan of this soup (from an actual recipe, not some horrid thing I dreamed up myself for self-flagellation)) & it made 12 portions. I ate one for lunch....for 'ate', read 'managed to force it down without actually heaving) & froze the remaining 11 portions. Of course that's where they stayed, all neatly labelled in the freezer in single-portions.......until I needed the space & defrosted them before throwing them away. I only hope the bin men didn't look in my wheelie bin, as it looked like something skimmed from the surface of a foetid pond. No money saved there, then, & no LBM either. Still almost another 20 years to wait until it finally struck!
    But I do loads of batch cooking nowadays. Proper stuff which we like & I know we'll eat & enjoy. It's massively helpful to pull something tasty out of the freezer on a busy day, to find a nice container of curry & a couple of home made garlic flatbreads on a day where takeaway temptation might strike & a great starting point for meal plans in the spirit of shopping from home first.
    Oh....that vile soup though.......so long ago, but I can still visualise it sitting on top of all the rubbish in my wheelie bin!
    And that was another little flicker, a bit of good intention obviously there, but not enough to sustain any real change. It wasn't my LBM time.

    Hope you're all seeing some of this fab sunshine. It's such a lift to the spirits after so many soggy dark days.
    Cheers all,
    F x
    Last edited by foxgloves; 20-04-2018 at 2:48 PM.
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 22nd Apr 18, 5:51 PM
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    • 23,997 Thanks
    foxgloves
    Ooooh, it's so nice to see some warmer weather, isn't it? OK, this last weekend has been unseasonably hot, really, but even if it drops back a bit to what's normal for April, it will be lovely finally to have got out of that cold snap & into Spring.
    And Spring means savings on energy bills, which can only be a Good Thing. Our heating has been off since the beginning of April, though we did light the fire on a couple of evenings early on when it did seem to drop very cold. Our house has problems with condensation, so we have two dehumiifyers which we run when needed, but certainly every day in the colder months. Now we don't need them, as it's warm enough to open the windows. I like to have the patio door open too when the sun's shining, to give the house a good airing for free. Other savings - I have hardly used the heated airer this month - I've pegged out the laundry wherever possible to dry in the fresh air for free. Is it just me, or are there fewer creases in clothes which have had a good blow dry on the line? I'm sure I'm not imagining it. And when the weather is warmer, I don't want my bath water to be as hot, so another little saving too, over the summer months. I really would like to accumulate a nice bit of surplus on our energy account to take forward into next winter, & if there was sufficient to claim back a small refund too, for adding to the Loan Pay Down Fund, that would be even better. We've managed this before, but I know gas & electricity prices have risen since then.
    Hope everyone's seen some sunshine this weekend. I'm starting to catch up a little in the veggie garden now. I keep thinking of all that lovely fresh food I will be picking in the not too distant future as well as all the calories I'm burning off by clearing, digging & raking, so there'll be plenty more gardening activity in the week ahead, also plenty of admin,as I get prepared for my Big Budget Day on Friday. Oh, & Ziffit paid me for that small consignment of books & CDs I traded with them the other week......only a small one, around 9, but 'better than a slap in the belly with a wet cod' as my old granny used to say.
    Best Wishes for a great debt-busting week ahead.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 23rd Apr 18, 4:06 PM
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    • 23,997 Thanks
    foxgloves
    Hi all,
    Oh, bloomin' ebay! It's a mixed blessing, isn't it?! I've made some good sales in the past, just little mostly small value items, but it does sometimes feel like a hassle, to end up with 1.50 or 2.00 on those tiny items. I don't list anything for less than 1.50 now, absolute minimum, as I factor in all the fiddling about & will not give my time for less than that.
    I've got quite a few items listed at the moment. Most of them are the usual decluttering sort of items, which tend to be low value & usually require re-listing a few times to get them sold. It surprises me how items in which there has been absolutely zero interest, even to the point of no or very low numbers of viewers, suddenly sell. This has happened overnight, as 2 items I listed for the final time, but were defo destined for the charity shop next time, have sold. I also awoke to an email from a potential buyer who has made an offer for multiple items. This has been quite fiddly, finding a box, weighing everything with packaging/padding, etc, to see if I think it's an acceptable deal or not. I've decided it is ok. I lose 49p on each item, but there haven't been any other bids & I've re-listed 3 times, so I am 'up' on the deal in terms of having a lump sum which I wouldn't otherwise get, plus another box of stuff is decluttered. Just waiting to see if this interest progresses into a sale.
    The best things we've sold on ebay have without doubt been plus-size clothes. A few years ago, I lost 6 stones & my partner lost 4, so as you can imagine, we had a lot of 'too big' clothes. I took some stuff in at the seams for a while, but I sold our better things & waas amazed at the level of interest. One of my coats sold for 36, another for 20, another for 10 and even the smaller things like skirts, jeans, tops, etc, sold. I think just 2 T-shirts failed to sell & went off to the charity shop. I even sold 5 bras!! I wouldn't ever have thought of buying a 2nd hand bra until I realised just how little some of these had been worn....just 2 or 3 times in some cases, & everyone seemed pleased with their purchases.
    As my weight drops (working hard on this!) from the 16 - 18 I am currently, to the 14 - 16 I aspire to be, I will probably have more garments to list, but for now, it's those smaller decluttered items we all have - books,magazines, CDs, etc. Yes, many of them are for small amounts (that's why I often favour Ziffit) as it cuts down the faffing around, but one thing us debt-busters know it that every little helps. Why wouldn't we turn stuff lying around at home into a few extra quid to chuck at the debt? That's what I'm doing, anyway. And as soon as our Paypal account reaches 50 again, it will be whipped across to the Loan Pay Down Fund asap. Here's to more unexpected overnight sales!
    My bullet diary is packed with this week's task lists.....many of them money-saving. I'm hoping for a good week, & wish the same for all debt-busters on here.
    We can sooooooo do it!
    F x
    Last edited by foxgloves; 23-04-2018 at 4:10 PM.
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 23rd Apr 18, 4:08 PM
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    • 23,997 Thanks
    foxgloves
    1LuckyLady - I do too! I don't manage it all within a day, as I only ever iron once a week (one of my worst jobs), but I do love the reduction in the weekly ironing pile from clothes getting a good blow outside, & of course, most of all, the fact that I've dried them for free, my favourite 4-letter word!
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 24th Apr 18, 1:48 PM
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    • 23,997 Thanks
    foxgloves
    Hi all,
    Well all that faffing around with ebay yesterday was worth it in the end, as the potential buyer became an actual buyer. It took me a while to get a load of my auctions taken down to replace them with one lot containing multiple items, & I've made a bit less on each item, but on the plus side, I've sold all of them, which I don't think I would have done as individuals, as there had been very little interest. Also, as soon as I can get to the post office, I will have decluttered another box of stuff from our spare room. That's aside from the money, which I've already received & which will be heading for the LPDF as soon as our Paypal hits 50 again. Hopefully not too long, as several little payments have been trickling in.
    Great morning in the veggie garden, planting my lettuces out. There are 27 in total, from this first sowing, but I'm counting it as a dozen, as I shall probably lose 2 or 3 to slugs....though the worst 'pest' here by far is sparrows! I love that they live & nest around our house, as I know their numbers have declined such a lot since the 1970s, but oh my days, the damage they do to unguarded lettuces & beans with those naughty beaks!! Lettuces all netted & fastened down with old bricks. We eat a lot of salad all year round, so keeping a crop of lettuces going for as long as possible is a good money saver. I am going to sow just a pinch of seed every couple of weeks, then pot them up into modules & then I'll do my usual method, which is as soon as I cut one to eat, I plant out another baby one in its place. Red & white spring onions also sown last weekend, plus radishes, & I already have some lambs' lettuce left from my autumn sowing. Watercress sown too, so just a trough of rocket to do, & that should be a really good contribution to greenery for our salads this summer. There's basil in the greenhouse nearly ready to pot up, but it's a bit small as yet, so will leave it a few more days.
    Well, it's pouring with rain now, so no more garden jobs today. Next on the list is turning out the fridge. We have a zero food waste policy in our house & I know there are some things in there which require eating in tomorrow's packed lunch or freezing, so I had better get cracking. Then I'm going to mix up a sourdough loaf to bake tomorrow morning. As for spending? I may order my bicycle today. But that's not a 'spendy spend', as it is a gift. I have done lots of research & have hopefully chosen one which will last 20 years. Last time I chose a bike was at the beginning of the Spendy Decades. I chose it based on its colour & its pretty flowery design. From a practical point of view, it was the wrong size & style of bike for me - it looked lovely but I was very wobbly on it, despite regularly using it around the city centre - & when it was eventually sold, it was at a considerable loss, considering the price paid & its great condition.. Have learned from that & am being Mrs Sensible of Common Sense Non-Spendy Land with buying this new one!
    Hope all readers of my ramblings are ok, & not getting bogged down with life.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • joedenise
    • By joedenise 24th Apr 18, 2:53 PM
    • 5,729 Posts
    • 42,300 Thanks
    joedenise
    You've made me feel tired with all that gardening! I only grow a few herbs and that's enough for me. I'd rather sit in the garden with a cup of coffee or a glass of wine, reading a book, lol!

    Denise
    • foxgloves
    • By foxgloves 27th Apr 18, 5:33 PM
    • 4,469 Posts
    • 23,997 Thanks
    foxgloves
    Hi Debt-busters,
    Well, I've had 'Budgetitis' today. mr f is on leave & we did our grocery shopping this morning & enjoyed a (free!) coffee together in our favourite indie coffee shop, then it was home for my Big Budget Day. I'd been raring to go this month. Do you find that as the month progresses, you are just waiting for pay-day to juggle with your different funds to see what can be paid off? Well, that was me all morning, then when I got home & tried to sign on, our online banking was down. Aaaaaagh!! (not TSB, another bank!) Tried again about 5 times, same message, so I did all the peripheral admin jobs until finally it was back online & I could get going.
    I knew this month would be quite challenging. We had a 100 plumber bill to pay (or rather, to pay back the Holiday Piggy, which is where I borrowed the cash from), plus a one-off annual bill & together with a few smaller additional payments, I soon saw that I would have to jiggle things around & prioritise.
    Yes, I know my old pre-LBM solution would be to make minimum payments on credit cards, but I am no longer that person.....we really only use cards for planned purchases to maximise points for vouchers....so I did my usual thing now of getting an A4 sheet of paper & writing balance after bills at the top, then a list of all the other payments where there is wriggle room....either things that can be cut altogether or reduced. Having a budget in place doesn't mean there's no flexibility. If there's no room to be a little bit flexible, I think that could actually be a door back into low-level debt. After trying a few options through, I found I could do a perfectly workable budget by slightly altering when we start June's grocery budget (it just means making May's last for 1 extra day!), by cancelling our fresh fish box this month (a shame, but I don't like the safety-cushion in our bank account to dip too low - I think of it as our budget 'armbands!) & by not paying into 2 of our Savings Piggies. I've prioritised the 4 which I would be least happy to leave 'unpaid'. Just these few tweaks leave sufficient to pay our other CC in full when the bill arrives, my usual monthly level of 'safety cushion, re-pay back the plumber money to our Holiday Piggy, all bills as normal & to leave our grocery budget & personal spends untouched.
    I think it's easier to see solutions when you actually have a budget in place. You can't make changes & tweaks unless there's something tangible to alter, but seeing it all written down somehow helps you to see what adjustments can be done when necessary to make things work within the funds available. Because that's the key, isn't it. OUR money is what comes in every month. There isn't any more. Any extra, unless its from savings, is straying into use of someone else's money, & those 'someones' are going to need paying back. Such a simple thing which I wish I'd cared to grasp decades ago!!
    Anyway, another month's budget done......I don't want to sound as though I'm moaning about the plumber - he did a job which really needed doing, as it was causing damage elsewhere, & I didn't need to dip into our emergency fund this time, which was a bonus. After all the tweaking, I was surprised to see I was still able to make a little payment to the Loan Pay Down Fund - Just 40, plus a little extra from selling some of my home made preserves, but ANYTHING which goes into that fund brings the day closer when that last bit of loan has gone.
    Anyone out there who is at or nearing pay-day....good luck with the number-crunching. We can do it!
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 27th Apr 18, 5:53 PM
    • 1,770 Posts
    • 9,010 Thanks
    wishingthemortgaheaway
    Sounds like a good plan foxgloves. I absolutely believe that once you have something on paper it's much easier to juggle. So do something first, then iron out the wrinkles.

    I also love budget day.
    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 Dec: 28/100
    MFW 2019 Challenge Member #59: 0/2860
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