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  • FIRST POST
    • cuddlymarm
    • By cuddlymarm 22nd Dec 18, 10:43 AM
    • 1,281Posts
    • 7,398Thanks
    cuddlymarm
    Frugal in retirement
    • #1
    • 22nd Dec 18, 10:43 AM
    Frugal in retirement 22nd Dec 18 at 10:43 AM
    Hi guys
    OH took early retirement two years ago. I still work part time because I find I need a little structure and enjoy the extra money.
    Weíre never going to be rich but we have a nice little flat ( it needs a few tweaks, the bathroom and kitchen both need revamping) but are ok at the moment and is where we want to be and old age proof for later in life.
    We have quite a bucket list that keeps growing and weíll never get through it all but are aiming to try our best.
    But itís ok bringing in the extra money but I feel we need to squeeze the most out of what we already have and make every penny count.
    So this thread is where I want to pop by and update on my progress and keep me on track.
    Xmas is all bought now (apart from my nephews kids who I will give money when we visit) so no more spending.
    Once Xmas is over I will report in regularly.
    Anyone who wants to keep me company please feel free to join in
    Cuddles
Page 5
    • ploppy57
    • By ploppy57 7th Jan 19, 10:32 AM
    • 878 Posts
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    ploppy57
    Although I do agree about wearing your "not so nice" clothes around the house (I am currently sat here in a pair of old leggings and a very well washed and loosing its pile, fleece ), I did once read somewhere a little quote that got me thinking......"Don't save things for a special day, every day is special!"
    I do try and dress a bit better on a weekend when OH is home though, even after nearly 22 years married I like to make an effort for him.
    EF #231 £300/£1000. SPC#110
    Christmas '19 #5 £30/£365.
    Mortgage Overpayments for 2019 so far, £14

    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Goldiegirl
    • By Goldiegirl 7th Jan 19, 3:58 PM
    • 8,469 Posts
    • 49,997 Thanks
    Goldiegirl
    I've a long history of 'saving clothes for best', which I'm doing my best to break. Otherwise clothes sit there unworn for years because there's never the right opportunity to wear them

    In this spirit, I'm currently wearing a top I bought at the sales just after Christmas. I might not have worn it if we'd been in all day, but we did walk to the shopping centre today, so I thought this would be a suitable day to wear it.

    In the year before retirement and the couple of years afterwards, I didn't get many clothes at all. However, in the last couple of years I've bought some new things, mostly in sales and on discount days.

    I've just had a sort out of old clothes and they are beyond redemption and will go to the fabric recycling bin. I've got another batch of summer clothes that I know I won't wear, so I plan eBaying them in late spring.

    All being well, I intend buying a few more clothes this year, so intend having another sort out later in the year.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • frizz2
    • By frizz2 7th Jan 19, 10:45 PM
    • 82 Posts
    • 824 Thanks
    frizz2
    Hi Everyone,
    I am really enjoying reading this thread, and appreciate the ideas shared. I have a few ideas that may help also. With regard to buying clothes, I buy clothes in the sale from M and S or Next in the Summer and Winter sales. I buy 4/ 5 jumpers in the winter and 4/ 5 shirts in the Summer. If needed, I buy 3 pairs of trousers in the summer and winter. I find this really helpful plan. I can then vary what I wear using last years buys also. This winter I spent £55 and got 5 jumpers/ tops that I will wear. I buy a coat every two years and all accessories in the sale. It sounds boring, but I then never go shopping for clothes until it is the sales. It helps me budget and I have clothes I like.
    With regard to holidays, there are so many hotels that you can stay in at such a reasonable cost if you book in advance. I have just been away with my husband for three nights and it cost £84 pounds, that is room only for the total cost of the holiday. I take Tesco Vouchers for meals out and save on breakfast and lunches.
    I find planning ahead is the way that works for me.
    • buildersdaughter
    • By buildersdaughter 8th Jan 19, 8:02 AM
    • 335 Posts
    • 1,040 Thanks
    buildersdaughter
    I do understand that keeping clothes for special occasions that never come can be depressing, but I don't do that. I do enjoy my nice clothes as well as wearing old ones around the house.
    frizz2, I am amazed, both at the number of clothes you buy and the cost. As I rarely buy clothes, I don't know what a good top would cost, but £10-11 sounds cheap to me. Certainly less than I spend on fabric for most of my tops, but I expect most of my clothes to last for years.
    Please, in the spirit of this board, don't think I am 'criticising' - I am interested in how we learn from each other about how we make the most of our money.
    I made a chambray shirt last year, using fair trade fabric, that cost me £50 (with ordinary chambray it would have cost about £30). It replaced a similar shirt, made 20 years ago, that I have now downgraded to 'around the house'.
    I am now making a pair of black cord trousers (cost £24) that are replacing some 10 year old ones (which will still get worn around the house)
    Some of my friends say they would find this boring, making clothes last so long, but I take a lot of pleasure in the beautiful chambray shirt - the yoke is lined with a left-over piece of special fabric, and the buttons are from my mother's 'box'. I wonder if it will see me out!
    • cuddlymarm
    • By cuddlymarm 8th Jan 19, 8:37 AM
    • 1,281 Posts
    • 7,398 Thanks
    cuddlymarm
    Good morning guys
    I thought I’d pop by before work to say hello.
    Buildersdaughter I’d love to be able to sew but by past experience I know that whatever I make wouldn’t last long (or fit) Over the years sewing machines have been bought (then sold a couple of years later when I’d not used them) I’ve finally come to the conclusion that sewing isn’t one of my skills. Knitting too is only scarves and blankets. As much as I’d love to be I’m no good at it. But I enjoy knitting and crocheting scarfs and blankets so we have lots of those ( and so do my family)
    Since I’ve lost weight I’ve started to love buying clothes again, I hated it for a while but feel much better now. I am going to have to rein that in a bit but tend to buy clothes that last years, that are interchangeable and that I can dress up with bracelets etc. I keep a look out for what I like then wait for the sales. If it doesn’t happen it wasn’t meant to be.
    I’ve been really food so far. I have £2 sat in my purse that has been there since New Year’s Day. I’ve done an online shop for fresh stuff and some frozen last week but no need this week.
    I’ve a few hours overtime this week so that’s keeping me busy.
    Also Father Brown is back on in the afternoon so I sat yesterday and watched that with a nice cup of tea. Small pleasures.
    Anyway I better go
    I hope you are all well
    Cuddles
    March NSDs 7/15
    2019 Grocery Spend £378/£2000
    March Grocery Spend £84.14/£100
    • plumduff55
    • By plumduff55 8th Jan 19, 8:54 AM
    • 589 Posts
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    plumduff55
    Good morning,
    I have tons of clothes with the majority having been bought years ago and kept for good. When I worked I wore nicer things at the weekend and old jeans/joggers and baggy jumpers in the evenings. I changed that about 18 months ago and bought some smarter trousers to wear with existing nicer tops for wearing Monday to Friday. Weekends I still wear dressier things even if I'm home alone.

    I now just reorganise my wardrobes and don't declutter as this only gives me an excuse to buy more instead of wearing the clothes I already own. Things are only put out if they are really done. I have decided not to buy any clothes for 6 months, depending how I go I might continue for the year. I will still buy wool to knit myself a jacket as I can't exist without knitting

    I have my niece's wedding in March and was going to buy an outfit but I've checked my wardrobe and have a lovely red lace tunic I bought about 15 years ago and have worn twice. I also have pleated evening trousers I bought on a cruise 8 years ago and have never worn. My shoes are black Gabor shoes I've had for more than 20 years that are kept for best and have been re-heeled once. My black fur trimmed jacket is about 10 years old and emerges from the wardrobe a couple of times each winter. At one time I would have had to buy a new outfit to keep up with the Jones' but now I'm old enough and wise enough not to care.

    buildersdaughter I used to sew all my outfits and coats before I had my children then I only sewed outfits for them until they were about 8ish. I used to love making my clothes - I think I'll give it a go again.

    I don't post often but I do enjoy reading this xx
    Debt free - Mortgage free - Work free ( in that order )
    • buildersdaughter
    • By buildersdaughter 8th Jan 19, 9:46 AM
    • 335 Posts
    • 1,040 Thanks
    buildersdaughter
    I well know the feeling of just not being able to do something! I can't knit - I have tried and just cannot keep the tension! I do crochet - which makes lovely patterns, but less wearable stuff - so I make thibgs for Loving Hands - a charity I found out about on this board.
    Cardigans and tops that others might knit, I sew.
    I don't have the patience for proper gardening either, but, as I have posted elsewhere on this board, my DH made me a raised bed from wood off cuts. I can reach it all easily (I have arthritis) and it keeps us in salad & spinach all year round, with beans and tomatoes in summer. That saves us at least £1-2 a week not spent on 'leaves'.
    • ploppy57
    • By ploppy57 8th Jan 19, 9:57 AM
    • 878 Posts
    • 5,764 Thanks
    ploppy57
    Oh to be able to sew...I remember my days of sewing at school, it was my most dreaded lesson! I can knit, the basic stitches, but have no patience with it, so if I drop a stitch I get really cross as I can never pick it up properly. Years ago when I went through a stage of knitting, I would take it to my mum to sort out when things went wrong. She is now in a care home and no longer knits. Says she no longer enjoys it, which is a shame when I think of all the things she used to do....anyway, I am getting off the subject, sorry.
    EF #231 £300/£1000. SPC#110
    Christmas '19 #5 £30/£365.
    Mortgage Overpayments for 2019 so far, £14

    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • nannygladys
    • By nannygladys 8th Jan 19, 12:48 PM
    • 1,264 Posts
    • 13,680 Thanks
    nannygladys
    Hi everyone

    I also like to sew but not particularly good at it, well making clothes anyway, Im Ok with embroidery but theres only so much you can do of that as I like to make things for a reason. But this year I think I will look into sewing for me but looking for clothes in CS that I can alter or use the material for something if I find something in a really bit size. not sure how it will work out but I will give it a go.

    Made broccoli soup this morning with some that was hiding at the back of the fridge since just before Christmas, Ive wizzed it up and it tastes nice but I may add a bit of cheese into it or not.

    This year Im only going to grow what I eat on the lottie, I always try something new (last year was chickpeas but what grew didn't even amount to 1/4 tin and they took up quite a bit of room) and no cabbages as I don't like things that seem to live in them!!

    Im having a declutter at the moment but it doesn't seem to be taking very long as I haven't a lot of stuff and Im going to spend less time on the lap top whilst having the TV so that is off at present. I'll leave the TV on all day even if Im upstairs or outside!!


    Anyway off to have a bowl of the soup for lunch, then another cupboard is calling to me.

    Nannyg
    Budgeting again, must try harder!!
    Sealed pot challenge no.31
    Frugal challenge 2019
    • cuddlymarm
    • By cuddlymarm 9th Jan 19, 6:09 PM
    • 1,281 Posts
    • 7,398 Thanks
    cuddlymarm
    Hi guys
    Itís very chilly here today but Iím feeling lovely and warm now. Iíd put a slow cooker of chilli on before I went to work and it smelt yummy to come home to. Tasted good too and cost buttons to make. I might open a tin of rice pud later ( small pleasures )
    This month is going well so far. Iíve had £2 in my purse since new year and itís still there. Iíll need to do a food shop next week but OH is on the frugal bandwagon with me which helps.
    Iíve rooted out my half made crochet blanket to get on with this evening to keep me busy ( and out of the fridge)
    Our little flat can get lovely and snuggly very quickly. Itís small ( which can be a pain at times if people want to stay) but doesnít take much heating.
    I hope everyone is keeping well and warm.
    Iím thinking positive that this cold might kill a few germs. Thereís a lot of people round here full of cold.
    Itís lovely to hear from so many like minded people. Keep up the good work guys.
    Cuddles
    March NSDs 7/15
    2019 Grocery Spend £378/£2000
    March Grocery Spend £84.14/£100
    • maryb
    • By maryb 9th Jan 19, 7:30 PM
    • 3,974 Posts
    • 49,395 Thanks
    maryb
    nannygladys I misread your post as I'm only going to eat what I grow on the allotment and thought to myself I'd starve if I tried that
    It doesn't matter if you are a glass half full or half empty sort of person. Keep it topped up! Cheers!
    • Gers
    • By Gers 9th Jan 19, 8:04 PM
    • 7,164 Posts
    • 48,704 Thanks
    Gers
    I'm done buying any more large items for the house and garden. Anything else would just be titivation. When I moved here five years ago I only brought the three 'white' goods, one bed and one chest of drawers.

    My final piece of frippery arrived today, and electric throw which is simply fab.

    I keep an eye on my finances and every three months tot up what I've got, so far so good. My SP kicks in late July.

    My knitting days are over, I used to really enjoy it in winter months, now I read!
    • ploppy57
    • By ploppy57 9th Jan 19, 8:19 PM
    • 878 Posts
    • 5,764 Thanks
    ploppy57
    I've got some lovely adult colouring books that I want to get back into doing as I find it occupies me and de stresses me. Trouble is, in the evening I like the little lamps on for cozyness, but really need the main light on and to sit at the dining table in the other room if I want to colour. So every evening when I have thought of doing some, I have changed my mind as I want to stay snuggly on the sofa. So not sure if I will get back into it or not.
    EF #231 £300/£1000. SPC#110
    Christmas '19 #5 £30/£365.
    Mortgage Overpayments for 2019 so far, £14

    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • plumduff55
    • By plumduff55 13th Jan 19, 8:19 AM
    • 589 Posts
    • 5,744 Thanks
    plumduff55
    Good morning all

    Yesterday I booked my holiday to Poland in March . My friend and I are going Monday - Friday to a hotel on a bed and breakfast basis in the old town of Krakow. Flights from Edinburgh are included for a cost of £294. I sat yesterday and re jigged my budget again and reckon if I have a no spend January, eat from cupboards and freezer and use £100 I have in the house I will be able to pay the holiday without touching my savings. I love a challenge

    I was given a Historic Scotland membership at Christmas and will use this to give me some nice cheap days out. Tomorrow my friend and I are going to a 12th century castle - last time I was there my children were in primary school.

    I'm thinking of signing up for a months' free membership of Amazon. I love the Outlander series and will be able to watch the fourth series this month when I'm not out spending. I have alreday visited 7 of the filming locations of the series and hoping to visit more this year.

    I haven't used the car this week and the only thing I would have used it for was to drop off fabric at the recycling centre. I'm sewing a memory quilt and have lots of scrap fabric. I couldn't take this by bus as it is too bulky. But so far not missing the car.

    I'm feeling very enthusiastic about my January challenge xx
    Debt free - Mortgage free - Work free ( in that order )
    • cuddlymarm
    • By cuddlymarm 13th Jan 19, 10:02 AM
    • 1,281 Posts
    • 7,398 Thanks
    cuddlymarm
    Good morning guys
    Iím carless too at the moment, I donít drive and OH had an op on his shoulder and canít drive at the moment so Iím taking it as an opportunity. To get more walking in, which hopefully will help with the weight loss and I also feel better when Iíve been out in the daylight. Work is a 25 min walk away, easily doable. Weíre lucky that we have decent public transport here, trams and buses. If the weather goes bad Iíll buy a pass but otherwise Iím going to give the walking a try.
    Apart from that not much to tell. January always is quite a boring month.
    Our youngest son has said that his firm is thinking about relocating out of Manchester City centre to nearer here. If that happens heíll buy a house near us. Would be lovely to have him near but Iím not setting my heart on it yet ( but I am having a sneaky look at the property sites )
    I hope you all keeping warm and well. Itís blowing a gale here at the moment, all the fun of living near the sea. I love it.
    Anyway Iíd better get some jobs done. Speak again soon.
    Cuddles
    March NSDs 7/15
    2019 Grocery Spend £378/£2000
    March Grocery Spend £84.14/£100
    • Goldiegirl
    • By Goldiegirl 13th Jan 19, 4:09 PM
    • 8,469 Posts
    • 49,997 Thanks
    Goldiegirl
    I've got some lovely adult colouring books that I want to get back into doing as I find it occupies me and de stresses me. Trouble is, in the evening I like the little lamps on for cozyness, but really need the main light on and to sit at the dining table in the other room if I want to colour. So every evening when I have thought of doing some, I have changed my mind as I want to stay snuggly on the sofa. So not sure if I will get back into it or not.
    Originally posted by ploppy57

    I used to do a lot of jigsaws, until we got a new dining room table. Our new table is smaller, and I have to open it out for it to be big enough for jigsaws.

    It all seems to be a bit of a kerfuffle, so I don't bother so much now. What I have started doing, from the comfort of the sofa, is word games on my phone.

    I've noticed there are also colouring apps, so that might be an idea to try. At some point I hope to get a new iPad (my current one is so slow now) and I probably will do colouring and jigsaws on the iPad, as it will be easier on a bigger screen.

    Apart from that, I do a lot of reading
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • nannygladys
    • By nannygladys 13th Jan 19, 7:04 PM
    • 1,264 Posts
    • 13,680 Thanks
    nannygladys
    Hi everyone
    I enjoy jigsaws, but only do them at Christmas and then everybody has a go that visits, When we have dinner I just cover it with a tablecloth and hope nobody spills anything on it!!

    Im nearly at the end of my sorting out and have found a few projects that were started and not finished so Ive put them to one side to complete when the tidying is finished..
    Ive been making lots of soup and stews this week to keep me warm and they last a couple of days so that's a bonus!
    Anyway going to make myself cuppa
    Nannyg
    Budgeting again, must try harder!!
    Sealed pot challenge no.31
    Frugal challenge 2019
    • vodkawitch11
    • By vodkawitch11 14th Jan 19, 11:23 AM
    • 33 Posts
    • 257 Thanks
    vodkawitch11
    Hi everyone, Frizz2 I`m exactly the same, very much a planner. I booked 3 nights in London for end of July in a family room at a Travelodge for £123.00 - Also got some vouchers for meals out while there and a 3 day river boat pass. Cheap little break.
    Clothes, I`m trying to brighten up a little, I have a lot of dark clothes.
    I`m doing the walking challenge (1000 miles in a year) so that`s free and a hobby I can use to take some nice photos while out and about.
    I am going to check if its worth getting an English Heritage membership or not.
    I managed to get some lovely smoked salmon slices on yellow sticker last week (30p) a packet, don`t come better than that. Will try to `yellow sticker` shop a little more to help the food budget.

    Have a lovely day everyone.
    Last edited by vodkawitch11; 14-01-2019 at 11:24 AM. Reason: spelling
    2019 - Miles walked Jan / Feb/Mar - 101 miles so far - doing the 1000 miles in 2019 challenge.
    No #28 in the 50p saving challenge
    Boost your income - aiming for £1 a day Jan £28 - managed via apps and surveys. Feb £17, Mar
    • whiteguineapig
    • By whiteguineapig 14th Jan 19, 12:41 PM
    • 1,309 Posts
    • 7,315 Thanks
    whiteguineapig
    Goldiegirl you can do jigsaws on line (I'm not sure how but you can!)
    • nannygladys
    • By nannygladys 14th Jan 19, 3:33 PM
    • 1,264 Posts
    • 13,680 Thanks
    nannygladys
    Hi everyone

    Having a very frugal month this month, Ive cut back on everything so I haven't been anywhere, done anything or spent very much at all. I know I couldn't do it all the time and Im just happy that I don't have to, But it highlighted areas that I do spend in that I don't really think about, so its been a useful experiment so far.

    So getting a bit fed up of bean this and that, to eat with the few veggies I have had in since Christmas (and a cabbage from before Christmas) but I am grateful for the having food in. I have the breadmaker on, the washing has been done and Im sat on the settee with a lap quilt on my knee doing some sewing and watching the TV. So that is me for today!!

    Nannyg
    Budgeting again, must try harder!!
    Sealed pot challenge no.31
    Frugal challenge 2019
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