Mortgage catch up!

I accidently went AWOL for a while!

Our mortgage currently stands at £153,817 , I haven’t kept tabs on it since July, but have had a print out of my year to date. Will post this soon just in case anyone is interested!

After making expensive holiday choices, have altered the overpayments to £50, a reduction of £200 until we are back on finacial track with holibobs! Think I may need to rename this blog!haha

Will do a more thorough update soon!

Money and Frugality

So, my relationship with money is interesting, sometimes I will deliberate for hours/days on buying something, other times it is in my basket and then winging its way to me with no thought at all.

I wonder, what it is about money and spending it, what makes me deliberate over buying item x but not item y. I have to admit, I love money, I love money shuffles- when on payday I go online to my bank and move money to different pots- once all bills have gone out I will then look at the little ‘pots’ of money we have. At the moment, we have Driveway, Holiday and Other, then whatever is left is surplus and can be used for our joint pursuits. This is all in one account so I keep a close eye on them. We get 1.5% in that account so its earning a little something at this time.

I have been looking into frugality recently- ‘sparing or economical as regards of money or food’ and ‘simple and plain and costing little’. These are two dictionary definitions of frugality, other views are about being tight, miserly and miserable. I recently discovered The Frugalwoods:

www.frugalwoods.com

These lovely folks have taken frugality and made it their metaphorichal bItch! I joined the challenge Uber Frugal Month Challenge, where you get emails from them every day over a month and you try to be a frugal person for an entire month. I decided it made sense to go from Jan payday to Feb payday, so far, I have spent £84 on starting this blog, not totally frugal, but hopefully I may be able to eventually make a little extra moolah as a sideline from this blog, therefore a possible start to more passive income. I have paid bills, this is something I have no choice over!haha. I have paid for one food shop so far, we do it on a week by week basis and I haven’t had to fill up the car yet. It has helped that I have done two 46hour weeks, so when I haven’t been working I have been too tired! I did walk to the shop and paid through the nose for bread and butter, oh and two cadburys cream eggs feel onto the counter as well- but I walked and any other shops I would have had to drive to.

One of our biggest spends is on food, we are only a family of two humans, yet we regularly spend about £80 a week on food and drinks, not including takeaways- we tend to have one a week- or if we go out for food. We have a lot of food waste, neither of us like cooking, so it can feel like a drag, or I may decide to cook and by that time the veg has gone off. We are trying to meal prep, but long days and hubby working away do sometimes mean we just can’t be bothered and will do processed easy meals. This a a two fold problem, one, it is not cost effective and two, it is not healthy.

We already shop at Aldi, we don’t tend to buy brand foods- I am still buying proper salad cream, though that is my only brand item!! This week I am going to make a vegetable pot pie, have made it before and it was soooo good. Also, can make it last a few meals, useful for when I am on long days as can take it in and hubby just heats his up at home. I will make this tomorrow. I am also considering stocking up on more frozen veg, as veg does seem to go off so quickly. Was thinking of cutting up a load of onions and then chucking them in the freezer for future use! Red onions are meant to be really good for gut bacteria, and Aldi only seems to sell frozen white onions. My food shop came to £85 this week, hubby got some bits for his car and I bought two cheap bottles of fizzy wine and creme de cassis- £6.99 a bottle but lasts a few weeks- so those will have increased the cost around £20, but need ot keep an eye on this and try to get the costs and food waste down!

Have you any ideas and tips for low cost food shopping?

A brief introduction…

Hello, I am Jodie, a 31 year old Mental Health Nurse who lives with her husband, two rescued fur children and four rescued hens. I have been working on agency since October 2018 and this means my income can be variable, so I have been investigating other ideas to make and save money which led to creating this blog! I have been interested in money matters for as long as I can remember, and have avidly visited sites such as Money Saving Expert and Mr Money Mustache for inspiration. My reason for creating this blog, is to explore avenues of income and ways to save, including using a blog, signing up to various survey sites, looking at frugality and where it fits, whether you can get enough freebies from entering competitions, can I DIY something to save money and any other ideas that come up!

I am aiming for the good life, by this I mean that I would like to be able to work less hours, and have more time to explore other things that interest me and give me enjoyment, without worries around finances hanging over me. I would like to be debt free, including the mortgage, grow some of my own fruit and vegetables, invest in my future and live happily ever after! We are living in our dream home within our affordability criteria and are very happy here, but there is always work to be done and time can sometimes seem to get away from me with little achieved! So far this month, I have signed up to the Frugalwoods Ultimate Frugal Month, have continued with Onepoll, signed up to Yougov and Pinecone and started a blog, this seems like a good start to the journey, I hope you will join me!