What is frugality?

When I think of the word frugal, I won’t lie, I do automatically think of negatives such as going without, being tight fisted and being unhappy. I fully believe this is due to the world we live in being so materialistic and equating spending with happiness, or at least the awareness that when you buy something it can make you feel good, even for a moment. I fall into the trap quite often of living for the future, not in the moment. Once I buy this, once I do that, once this is achieved I will feel safe/secure/happy etc etc. Though if I break things down, I have lots of great things already, our home is amazing, for the budget we have it is as perfect as it is going to get! Yes, it does need things doing to it, some painting, tiles in the kitchen and little touch ups here and there, and perhaps some things are not to our taste, but they are fully functionable! I dislike the kitchen, but I would not replace it anytime soon as it is in great condition and functions well. One day, when we have used it to death, perhaps I can get the dream kitchen! I also have lots of clothes, if I am honest, the only clothes I may need anytime soon are: new work trousers, I wear these out! Hopefully not for a few months though and I will need new work trainers/shoes soon, I have started to wear the backs out, and as I do 12 hour shifts on my feet, they have to comfy! I do wear out trainers as I spend a lot of time in them, I tend to buy end of the line trainers from SportsDirect and they last 6-12months depending on my use. I could really do with walking boots, but I really struggle to find any that are comfortable, I get blisters on my feet so easily which is frustrating.

I looked up the definition of frugal:

1.  Practising economy, living without waste, being thrifty

2. Not costly, meagre

These are not negatives, in fact quite the opposite, who wouldn’t want to be economic, without waste and thrifty? And if I think about what is important to me: hubby, dogs, family, chickens, roof over our heads, garden, quietness, travel and feeling secure, these can all be achieved without being a spendthrift!

I have been watching Buying and Selling on ITV- I am sure it was Property Brothers when we used to have Sky! I enjoy watching house shows, I find it interesting and exciting to watch transformations, but this show is all based around consumerism, I want bigger, more expensive therefore technically better! We are a fascinating species!

I like to try and be a green person, I want to help the environment and am always interested in learning about new ways we can do that. Being less wasteful would be a huge help to the environment, eating better food, feeling more productive and hopefully achieving more as I feel better. We recently Kon Marie’d the house- freaking loved the show on Netflix! We charity shopped so many clothes it was crazy, then I have been slowly re-filling the wardrobes and drawers with new clothes, defeating the whole point!haha. I think I will look at re-doing this in the new year, emptying all the drawers etc and going through my clothes to see what gives me joy! This way I will also get the chance to see what clothes I actually own, and how much I don’t need to spend. I think clothes are an area I am spending too much and on things I don’t ‘need’. In January, I shouldn’t need to buy any clothes, though I may want too!

I have been researching making my own cleaning solutions and washing powder. I will continue to look into this and see if it is feasible for us to get going with this aspect of frugality and also being green! We will use whatever cleaners we already have to not waste anything!

Watch this space for more brain farts about January’s challenge!!

Uber Frugal Challenge Homework, step 8-11

Examine your habits!

I know that purchading food is one of my big downfalls, I love food, I overeat, I struggle with my weight- that could be a blog on its own! I work 12 hour shifts, I struggle to prepare food in time for my shift, I struggle to decide on what foods to eat, this can often result in buying pre made food for ease and convenience. Also, grocery shopping in itself is expensive, we often feel we have no meals and will eat rubbish to compensate. I feel a large area to turn this around is part of the Frugal Challenge. I already meal planned then went shopping, this usually costs around £90, and paid £77 which included a £20 giant teddy for the dogs at Christmas! Felt like a good shop and I thought ahead about what we may need. Today, I made a mushroom soup, and it is in the thermos ready for work tomorrow, I think I will take bread and butter, or a sandwich, as well as a yogurt, some fruit and a oat pot! This could be cheaper if I used oats instead of prepackaged. I don’t get home until nearly nine so makes it difficult with regards to tea time etc, plus work is busy and usually we have access to cakes! I need to learn more about healthy snacks and getting food that will actually fill me, and satisfy me! Stress is a common feeling when you are a Nurse, I work in Dementia care, it can be a very upsetting and stressful place, because you care so much, so my emotional eating is often triggered, this spills into the drive home, popping to the shop or snacking when I get in. Sometimes, when you start to breakdown a habit, behaviour and choice, it can become overwhelming to try and think how else do I cope with those feelings without food? Again, probably another post!

Step 9- Plan Ahead!

I really feel this will be beneficial, if I plan and act ahead of shifts, I will have food and snacks, this will hopefully have a positive impact on other areas of my life including finances. I enjoy fruit and vegetables, but am so bad at actually eating them! So, planning ahead would allow for more consumption made easy. Given the choice, a chocolate bar or an apple, I would always pick the chocolate, give me a cut up apple I can pick at whilst quickly catching up on notes in the office and it will be consumed! Days off are hit and miss, sometimes I just want food, comfort food, lots of food, can’t stop thinking about food, other days I feel able to make some alright choices around food. This all links in really, self esteem, emotions, are all disguised and hidden when you eat or buy food! Might be a long road….

On Money Saving Expert, I used to join in the No Spend Day challenge, where you would set X amount of days where you wouldn’t spend. The rules were personal, you could include or exclude bill payments, fuel costs, known payments etc. I used to include any payments made on my card, so bills that went out of my account were not included- most go out on the 1st anyway. So all other payments- including cash- would make it a spend day. I feel this mentality could work in the UFM, as would delay buying things until I had to- ie buying fuel so would buy something else on those days if needed. It also meant online shopping saw things sitting in the basket so I had more time to think through the purchase. I think implementing this again would be good!

Step 10-

If you do buy stuff, get it free or cheap! This makes sense and points out that items you cannot get second hand, such as toothpaste, you can price check to make sure you get the best prices. I enjoy facebook marketplace and have had some great finds on there, nice and local too! I think sometimes, it is worth shopping around- I found great wallpaper cheap and using a local builders merchants got shelves to the correct size at a great price. So much better than B&Q! Which I do love as well!haha. So we already do some frugal things, but can improve so much!!

Step 11- Banish Excuses!

Of course this is the hardest part, excuses are easy, they are normal! I have reservations about aspects of this challenge- I love netflix and Amazon Prime! I love buying food that is yummy and convenient! Also, we are eating out with friends in January- I really am not up to cooking or hosting for that many folks, we only meet around once or twice a year and go to a nice cheap place. Also, we are going on a short holiday in January, we will be eating out, socialising and our dogs will be costly in those four days! But around this, we will really really work on our spending issues!!!!

Some of the other points- earn more money- within both our roles we earn very well, this is not a high wage, but much better than minimum wage! There would be no other jobs for either of us that would earn better at this time. Moving would not help, our home is wonderful it is the dream home in our budget and we have worked hard to make it affordable! We love living here, and there is no where cheaper that would compare. Getting rid of cars, our main car would not be worth selling and buying a new one with the loan, it is a good loan and we are probably three years into it now! The car is 0 tax and very economical, husbands truck is all his. He pays for everything for it and loves it, I would never ask him to sell it, it is a luxury! We are not paying to work, we are both commutable- me about a 40-60min round trip, three days a week, hubby 15mins away. We have no children and since Hubbys father has retired, he comes to do the dogs twice a day when hubby is away and I am working a long day. Hubby is struggling with the stresses of his job currently, but also loves it, and I am more content with work than I have been in a long time. Definate room for improvement, but considering I was ready to jack nursing in, I am now loving parts of the role again!

Wish us luck! I will keep you all updated!!

Uber Frugal Month Homework, Step 2-7

Step 2- So, I looked through my personal spends in November and then our joint account spends. It got a bit confusing as we often pay ourselves back from the joint account, but it isn’t always clear what we have spent it on. Such as, we pay for dog appointments and medication, then the house (joint) account pays us back. We both put a lot of our earnings into the house account, so this is why it pays for things like this. We also use it, if we decide to buy house based things, it is where the holiday money sits until it is used etc. So I am not 100% sure what I have been paid back for, as I will often pay for a few things before taking back and the online account isn’t as detailed as I would like! Last month personal spends has included a trip out with my friends for afternoon tea for a friends birthday, where I did go shopping as well as Christmas Presents, which I don’t always have to buy. I have spent over £200 on clothes, I am expecting about £75 back in returned items. Still a lot of money, I did need a waterproof coat- I don’t have one that fits and haven’t for many years, choosing to just get wet! But the other items were desire items!

Step 3-

Fixed Mandatory Expenses- This is non moveable costs

  • Mortgage- £717 (£50 overpayment, rising to £250 overpayment Jan 2020)
  • Gas- £106 every 2-3 weeks in the Winter, less in the Summer
  • Council Tax- £159 (think its for 10/11months)
  • Energy- £25.51
  • Water- £35.50
  • Life Insurance- £60 (I am sure I can get this cheaper if I actually looked, we got it through the mortgage broker)
  • House insurance- £paid in full, approx £114 a year
  • Credit Card- £110 minimum payment (often pay some more)
  • Car Insurance- £26.64

Discretionary Spending-

  • NSPCC and Dogs Trust- £13.67 (I want these to continue)
  • Vodafone- £14.39 (I own my phone outright)
  • Account fee- £5 (we used to earn more back than this, but at the moment we are barely earning to cover it)
  • Zoo- £13.75 (we can discuss if we wish to keep the membership going or not)
  • RCN- £23.70 (This is my insurance for nursing as well as a magazine- could stop the magazine though)
  • TV licence- £154.50 a year
  • Groceries- £90 per week :0 (Between £75-90 on average)
  • Fuel- £80 a month-ish
  • Takeaways- £15 a week on average
  • Hair for me- £10 haircuts once every 4-6months, hair dye £5.50 every 3 weeks
  • Current monthly saver- £250, 5% account, ends soon
  • Clothes and miscellaneous c- unsure what these costs are!
  • The dogs are both on medication-Meloxaid, Desmopressin (we buy from a human pharmacy) and supplements- youmove cheap version, I am unsure of costs as all paid seperately and adhoc! Recently needed x-rays for younger dog so big cost. No insurance as both dogs are rescue with issues so would either be uninsurable, or a ridiculous cost. We have always paid for everything they need outright
  • Dog food- they are now raw fed and we are still trying to get the feeds correct so unsure of costs
  • We eat out but not that often- we went away this month to Glasgow, so spent a lot more there than usual when at home
  • I will sometimes buy lunches for work, these can cost around £5 and I work three days a week
  • I rarely go to McDonalds , Costa or other but can find some months my use increases- last month for example
  • Hubby pays for Amazon Prime and Netflix
  • Internet- something like £18- hubby pays for this from his account
  • MOT and Service- £170ish depending where we go!
  • Adhoc Chicken costs, they don’t need a lot and we buy food as needed,we paid the big costs outright- their home!

Step 4-

What can we get rid of? Well, its tough. I guess that is the point. The Zoo could be dropped, I will work out if we have made use of the membership or not this year and base it on that. Will require a discussion with Hubby, who is working away the next few nights. We do need to work out the costs for the dogs, medications, food, appointments three monthly for reviews etc. Our dogs are our children, they need medication as they both have ongoing conditions that without medication would be life affecting. We get Red’s Desmopressin from the Human Pharmacy, we have to pay for his prescription then pay for the meds, this is still cheaper than it used to be getting them all from the vets! We don’t eat out often, but have a weekly takeaway, we both dislike cooking so it is nice to know that once a week we get something lovely to eat with no effort! Perhaps this can be something to reduce in the future, please?! I am unsure if we can stop the TV Licence, I mean, I could easily not watch the BBC channels, but am unsure how it all works these days! That could be a nice saving!

We could look at the Life Insurance, I am fat, therefore I make it more expensive. But I think that our mortgage broker went for the best deal for her, rather than us, thats fine, she is great with mortgages and I am happy to help her get extra commission, but really we should be investigating this ourselves now! I could look at my mobile phone plan and see if I can get it cheaper. Internet is a new deal and I am sure it was the best we could get- our connection is shocking! I feel haircut costs and hair dye costs are perfectly acceptable, I am 32 with many greys that I am not ready to embrace yet! I will look at moving our joint account, we used to earn good interest when we had more cash in there, but now its in a 5%saver so not helping the current account. Fuel is what it is, I don’t use my car ridiculous amounts, we have a very efficient joint car, and Hubby has his truck. I have no issues with his truck! Could do with being more prepared with work lunches and helping myself as I do 12hour shifts, this would benefit two fold. Clothes are a non budgeted buy whenever thing, I really need to address this with need not desire! We are not ready to stop netflix or amazon yet- sorry UFM!!

Step 5- Substitution

I will be honest, can’t really think of substitutions at this time. I mean, I buy Options hot choc which I love and is cost effective. I love wine and other alcoholic beverages- perhaps I should look into trying to brew my own stuff? I could definately make a version of creme de cassis with blackberries from the garden, missed that this year though. I have started to try and grow veg, my rocket is still doing well and it is almost Winter, but I struggle to grow other things! Another must try! We have chickens, they are ex batteries so laying is hit and miss, that is fine, we just wanted to save them so they didn’t go to slaughter! Will ask my stepmum to help me with foraging I think. I am not conviced about barter and trade at this time!

Step 6-

Reduction of Discetionary Spending- accidently covered this earlier! Except grocery shopping is something we really need to work on! We are upping the mortgage cost, this is because we are on a great deal and want to pay it down more, ultimately helping us!

Step 7- Insourcing

I mean, we don’t outsource often. We paid professionals to do our driveway, much more time effective and a fantastic job comparative to what we can do. Same with the car, we will use a mechanic and ask around for quotes to get a good deal. We paid a gas man to check the boiler when it was playing up. I want to pay a cleaner but Hubby says no! Recently we made shelves ourselves, this was a great example of insourcing. We need to paint and redecorate some rooms, I would like to outsource these jobs but will probs end up doing them with Hubby. Some things are worth trying yourself, but others we need to think about the skill level required and the time constraints we both face.

I am exhausted, this has made my brain hurt to be honest! Will continue on the next steps after my next shift at work!haha.

Uber Frugal Month Homework, Step 1

Establish your goals:

  1. Why are you participating in this challenge? To be honest, it is because we earn ok money and are falling into the pattern of earning more and spending more, but on wasteful things, money just disappears and it shouldn’t be. I would like to pay down the mortgage, grow my savings, increase pension payments and look to invest! We should have more money than we do at the end of the month. We also use credit cards- mostly due to going on two expensive holidays, Florida in Sept was with my family, then next year we are going to New York for a wedding, but turning it into a big holiday. We have our car on a personal loan, need to work out how much longer that is for- interest is calculated at the start of the loan so repayments won’t reduce the amount payable, and the credit card is 0%, we are very good at tarting cards and have been doing this for a few years now. I would love to be credit card and personal loan free.
  2. What do you hope to achieve? I guess I would like to achieve a feeling of freedom and also the security that comes with less debt, this includes on the mortgage as well. I would love to be able to save more money, invest money and see money do more for me, rather than helping to line the banks pockets!
  3. What are your longterm goals? I struggle with this if I am honest, I kind of think about the future but it is often vague and blurry, Hubby doesn’t have job security like I do as a nurse- ie I have lots more job oppertunities should this job change, I have toyed with the idea of looking to go towards management within my current role and have discussed this with my manager who has said she would work with me towards this. But mostly, my long term goals would be more vague, like, to be mortgage free at some time, to have good savings, investments, to have choices around when I retire, to be able to travel more- possibly a van of somekind to transform, to be stable in my relationship with Hubby, for the dogs to live forever….To have a job I can tolerate, to work because we can do things with the money, rather than because we have to work to pay off x, y and z. To choose a lower paying job if I desire, for Hubby to feel he has choices around his work.
  4. Where do you want to be in 10years? At the grand age of 42, I would like to be looking at a smaller mortgage, either in this home, or in a lovely little house in a woodland somewhere! For Hubby to be less stressed and feeling more like himself, for me to have experimented with management- whether I enjoy it or not, the oppertunity would be good! Or to consider trying to specialise, I would like to do more around Dementia, perhaps I could specialise more in this area? Oops, still not got clear ideas…Perhaps what this signifies, is that in 10years I want to be happy in work? Mad idea I know! I want to have travelled and explored different places, and have many more places to adventure. On a very personal level, I would like to be in a lot better physical health and have a much better relationship with my body!
  5. What about your current lifestyle might prevent those goals from coming to fruition and what can you do about it? Hmm, habits are very hard to break and I do struggle in the self belief department, so this is probably my biggest barrier, getting my brain on board! I think having Hubby do this challenge alongside me will definately help, its good to have someone on the same journey to offer mutual support. I struggle with motivation and can struggle to think long term, I guess this is something that being aware of will help me to try and work on this. Plus, this challenge is meant to be hard, so that can be a massive downer! It would be easier to carry on how things were, day to day we do well, we have a lovely home, we can make payments, the debt is manageable etc. But I must remember my desire to want more from life, rather than things!

Step 2 is on its way!

Uber Frugal Month

I tried and failed to do this challenge last year, I didn’t really put the effort in and made excuses which I then allowed to stop me. So, next year I am going to attempt this again! I have signed up to join in January 2020 alongside Hubby, as we both earn alright wages yet saving always seems tricky and money disappears! Not just because I like to go on holiday, as we haven’t had such expensive holidays as Florida and New York (coming up) since our Honeymoon in 2014! So this is only accounting for some spending. Our mortgage payments used to be over £900 a month and we would over pay, but recent years have seen us reprioritise and savings have been made to do things to the house. But other things and materialism has been playing a part in not having as much as we could in savings.

The Uber Frugal Month Challenge (UFM) was created by the Frugalwoods who base their whole life on being frugal yet having luxuries. I find their website fascinating and would definately recommend wandering over to have a good read about all they have achieved. Amazing stuff and so much valuable information to be gleaned from them!

You can sign upto the challenge at any time of the year, though they do it as a group thing in both January and July, you receive an email each day and can join in a group on Facebook. The aim is partly about saving as much as possible, but to also challenge the way you think about and use money ergo affecting future use of money! Read this article from the Frugalwoods: all about how consumption breeds consumption and never being satisfied.

I do use Facebook market place, ebay and other second hand sites at times to look for items. We have gotten some fantasic things this way for bargain prices. Though you can need to weigh up the cost of the item versus collection costs etc. We live quite rurally, to get to a Costco would take aroung an hour, cost of fuel etc, perhaps we will look into whether this could be cost effective, though I do feel the local Aldi is pretty awesome! As a plus size lady, I do struggle to find charity shops in our area that have clothes in my size, except for the ones I have donated so this is an area where I do tend to buy new. I can get quite obsessive about trying to find the perfect clothes and spend lots of money this way, a lot to do with self image issues if I am honest. Definately a can be improved area! I do zig zag from frugal to spendy very quickly and easily depending on what I desire in the moment. Oh I can’t spend £5 on options hot chocolate which lasts weeks, but spending that on a bottle of wine is nothing and it lasts a day, maybe two! Weird way of thinking about cost vs value really.

The Frugalwoods hope that this month with translate into a life style, and given how happy and well established they are, it is understandable they want to share their wealth of knowledge and happiness with the world! I will be exploring the homework and will blog about my thoughts around what they are asking us to do. My only hiccups in January are: we have a short break booked, and will be having a meal out with friends! So not as frugal as it could be already, but hopefully even with these events we will smash the challenge.

Hubby is interested but often tired from working very long hours, and sometimes only getting one day off a week. He often lets me take the lead with money based things and that is ok. But I am hoping he will have some interest in discussing this challenge in more detail as it draws closer! I am looking forward to breaking down the steps to the challenge, knowing it is a month will help psychologically and I do hope we can continue into the future!

DIY part 2

So, those whose saw my recent DIY post, saw that with mostly my mum’s help we managed to wallpaper the alcoves in the Dining room- though our dining table is actually in the lounge, so this is going to be more of a snug!

Trying to source shelves in the correct sizes was turning out to be impossible, both alcoves are different lengths and the depth was much deeper than regular shelves, but the deeper shelves would all be too big. Hubby and I discussed options, I really wanted the shelves to come into line with the chimney breast if possible. I went online and browsed around for bespoke shelving, honesly the cost made my eyes water. No way, even if we could afford those shelves, would I want to pay £1400, though the oak shelves were beautiful.

So we spent time looking at B&Q and the different ranges and options. We had almost decided to go for a smaller depth as we were concerned our cutting skills would be very poor along the length of the shelf, though cutting width may be ok! Thankfully once we thought we had the right shelf- costing £196.20- including batons, B&Q were unable to get any more of the shelving. So we wandered off to our local Huws Grey Building Merchants. The man was super helpful and with his expertise, we concluded that MDF cut into the exact sizes we needed would be our best option. Though maybe it’s not the perfect look, it is very strong, durable and affordable! He also sized up the length of 4×4 batons we would need and costed it all up for us.

I was so shocked at the cost for it all: £98.99

So with that pleasant surprise we paid for the goods, collected the precut wood and left over MDF three days later! This weekend we finally had some time to get those shelves up. I really wanted them up for Christmas, as our books were just in piles on the floor!

The dogs are never keen when we are doing things, they like it when we sit and cuddle them!

Hubby did most of the work, I helped to measure, held the wood whilst he sawed (we must have lent our workbench to someone!), held wood on the walls for him to screw them in, changed drill bits and general dogsbody things! He did all the proper sweaty work!

We have never done this kind of DIY before, so we went in with an awareness that we could cock up, but that would be ok, we would take our time, measure twice etc etc. One of the main issues was that there are electric sockets on both alcoves, so this could be an issue, we didn’t have one of those clever gadgets that detects wires and from everything we read- wires go up! So we did the alcove where we could easily avoid the double sockets at the bottom and the probable wires up the wall!

After trouble with the first shelf- drill bit not going through the wall, screws actually too small, spirit level not being level- Hubby ran off to Huws Grey before it closed, got the bits he needed and came back, I went to my Dad’s and borrowed a masonary drill bit! Take two saw the shelves going up much quicker!

Utilising the arm of the chair to drill holes, Hubby working hard to get those shelves up!

Troubles on Sunday were with the extra sockets on the wall in the second alcove, we turned all the electric off in case the theory of the wires going straight up was wrong! Our main issue was trying to avoid the possible cable path meant the drill went at a slightly odd angle, resulting in two broken drill bits, cussing and frustration! But with perserverance and ribena, he did it! We were going to build six shelves on the right side, but went with 5 with bigger gaps between them. On the left side we have built three shelves and left a large gap underneath so that we can utilise that space for other ideas I have! Hubby despairs when he sees me on Pinterest.

So pleased with the final product! Love it!

What we used:

  • Hand saw
  • Drill- we had two batteries so this helped
  • Brown raw plugs
  • Screws
  • Regular wooden drill bit- 3 to be precise!
  • Masonry drill bit- very necessary when drilling into masonry!
  • Length of 4×4 wood for batons- we have left overs which was good
  • Pre-cut MDF to the correct sizes via Huws Grey
  • Lots of Ribena

I am so pleased with it, we have a very large mirror that we are going to hang on the fireplace once we get the correct brackets, we have filled up the shelves with books, two new lamps- waiting to get correct bulbs as ones from the shop were way too bright and some Christmas things. I am now officially in love with this room, I never have been before! We have a fridge-freezer in here for the dogs raw food that we will get into the shed at some point when we can get electric in there. And a wall of photos which has been there since we moved in, which is so lovely to look at. We are also aiming to get our fire in there, it has been in the shed a long time so a bit rusty but should fix up well! Very exciting!

Mortgage Roundup 2019

We started the year with a mortgage of:

£158,003

And years end:

£152,475

We have taken £5,528 off the capital, I hope 2020 will see a bigger drop! I would like to aim to into the 140’s by December 2020, will have to work out if this is feasible!

Countdown to Christmas

We like to try and make Christmas magical by doing different things on the countdown, this can be really difficult with our clashing shifts and work hours. Some of these things will be free, some are not at all free, some things are a one off for this year, some things we do every year, some are indoors and some are outdoors! We put the tree and decorations up before we went away, to make sure the house felt Christmassy when we came back!

December 1st-

We went to Glasgow and headed to the Christmas Markets! A nice Christmassy way to welcome December! We were travelling here specifically for NBC live with an Orchestra, we have never travelled this far for Christmas Markets before! Ended up being cheap as we bought nothing!

December 2nd-

We had booked to see Nightmare Before Christmas, live with an Orchestra and original cast at the Hydro for its 25th anniversary. Super Christmassy, very wonderful and I dont think it is something we will see happening again! I bought middle range seats!

December 3rd-

We watched a program about the making of Home Alone on Netflix, can just pass as Christmassy but had driven back from Glasgow, been shopping for food and also bought some new decorations from the Range! Technically Christmassy to buy decorations?!

December 4th-

Hubby had been working some ridiculous hours today, so the dogs and I watched Christmas films on Netflix! Some of the homemade ones are so good, really give you the Christmas feels!

December 5th-

We watched The Holiday, technically a Christmas film, very good film!

December 6th-

Another Christmas film tonight, with the dark nights and wet weather, this is a good way to welcome Christmas! We havent decided which one yet

December 7th-

We are going for a Christmas meal with friends at their house, this should be a nice cheap evening, with board games and festive things!

We haven’t planned out any other specifics yet, but the other things that we like to do are:

  • Get Christmas Hot Chocolates- home made or shop bought, maybe both
  • Go out for a Christmas meal
  • Wrap presents
  • Watch many of the Christmas films we love, Polar Express is saved for Christmas Eve and Elf is always on Christmas day! Other films: Christmas Chronicles, Home Alone 1&2, Santa Claus 1&2, Get Santa, Jingle all the way, Die hard (!?) and I am sure there are others!
  • Go light hunting, this is sometimes done more than once, we pick a direction and head off looking for the best light displays in our area, the dogs come too!
  • This year we will be decorating a second tree, which my mum is giving to us
  • Adventure to local shops, garden centres and local markets to get that buzz and find local gifts
  • Hubby has a December birthday, on that day we ignore Christmas and make it about him!
  • Do the gift delivery to family
  • Go to Santa night if not in work!
  • Wear Christmas clothes, this can be just around the house, to work or when we go out!

Please share any ideas that you do, or traditions that you have, I am always looking to expand my horizons!

December Mortgage

Oh look, a post about reducing/saving money! Thats a novelty at the moment!!

Was: £152,973
Now: £152,475
Monthly Payment: £666.72 + £50
Capital Paid: £498
Interest: £219

I am hoping that January 2020 will see us drop into the 151’s! How exciting! We are still waiting for further information from Tesco regarding them closing and moving us to another mortgage provider, hopefully we will barely notice!

I am happy with our reductions this year, of course I always want more, more of everything, more overpayments, more holidays…but there is some semblance of balance, tipping more to adventure at the moment!

Glasgow

On Sunday 1st December, we said goodbye to the doggies, leaving them with their lovely sitter and drove 4hours and 15minutes to Glasgow! The drive down was great, very little congestion, hubby did all the driving (I did offer to share) and we stopped for a hot drink, krispy kreme donut and burger king on the way!

We arrived at the hotel- Radisson Red- parked up and were just in time to check in. We unloaded our bags, checked out the very lovely room, with perfect views of the Hydro stadium and the Clyde River. Then off we went, using google maps. We wandered into the heart of the city, along the riverside which was beautiful, it was very, very cold! Our main aim was to get to George Square for the Christmas Markets. We had a really good wander around, looked through the Market and all the other lovely shops before getting a bit lost and confused, then headed back to the hotel. We found the local Hard Rock Cafe- this has become an accidental thing, we have glasses from Vegas, London, Edinburgh, Paris and Orlando, we will collect more in New York! We had tea at the hotel, a cocktail and got a bottle of wine- which I have brought home as we didn’t finish it!haha. Food was ok, quite pricey for what it was. I was worried about noise levels in the hotel, but actually, it was all quiet!

Radisson Red in Glasgow: views from the window and our room! We could see the Hydro!

We got up at 8am the following day, got dressed, wrapped up warm and walked to TriBeCa cafe on Dumbarton Road, took about 33minutes. I chose this place for breakfast after googling for the best pancakes in Glasgow! I am a bit obsessed with american style pancakes, I admit, I have issues! We had a thoroughly enjoyable breakfast there, the pancakes were so yum as was the french toast. Hubby had candied bacon on his, he said it was delishious! Once we were filled, we wandered about 15minutes to the Riverside Museum.

Wow, what a museum! We loved it, its up there for me, with the Mob museum in Vegas! The building itself was fascinating, and the inside was just great, really interesting, well designed and interesting space! We spent a couple of hours wandering around and enjoying it all. I am sure it would be easy to spend more time there if you were so inclined. The museum was free, they survive on donations, we donated a tenner for both of us. We then went to the Tall Ship, which is behind the museum on the river. This was fascinating and interesting too, again free, so a small donation was made. We then got the hop on hop off bus, hubby enjoyed lisitening to the audio, I enjoyed looking out of the window. We got off at George Square then wandered down towards Enoch Shopping Centre. I found Yours, plus size shop and got some great clothes all on offer, yay! We didn’t end up going into the shopping centre, we were all shopped out just from the high street, there are so many shops! We then got back on the hop on hop off bus and got back to the hotel. We booked into the Rotunda Italian restaurant for an early tea, as that night was the main reason we travelled to Glasgow. We had the pre-theatre menu, which was super yummy, it was very busy so the service was a bit hit and miss understandably. Good food, would definately go back!

Mega fit pancakes from TriBeCa, some Glasgow shots and some of the Christmas Market!

The reason we went to Glasgow: The Nightmare Before Christmas, live with an Orchestra, featuring Danny Elfman, Catherine O’Hara and Ken Page!!!!!!!!

OMG, could I be anymore excited?! Probably not, I am a massive NBC fan, watch it every year, got married on Halloween and got the DJ to play some of the songs during the night! We booked the tickets a year ago, when I saw that it was coming over for the 25th anniversary. Hubby decided he would like to see it in Glasgow, as we have been to London a few times and the distance is similar. So, thats how we came to be in Glasgow. He has been to Glasgow before and I hadn’t, and as a massive Scotland fan, I was more than happy to go! We walked the two minutes from the hotel to the Hydro, wasted some time before going to sit to watch the show.

It was incredible, the Orchestra were incredible, Danny Elfman was out of this world, the back up singers were perfection, Catherine O’Hara knocked my socks off and Ken Page was spot on! Best production I have ever been too, I didn’t think I could love NBC anymore than I do, but I do love it even more now! We did queue up and get a program- £15, ouch. But you gotta do it sometimes! After the brilliant show, we went up to the Red Sky Bar at the hotel and had a couple of very expensive cocktails before going to sleep.

The screens at the Hydro, we were on quite an angle, but still a great view! My Sally ears came all the way from Orlando in September, love them! And hubby always looks good!

We then travelled home- the car needs a very expensive part replacing so that made the drive a bit tense, but we got home in one piece!

Costs:

  • Radisson Red- £158 for 2nights
  • Parking at hotel- £10 for 2 nights
  • Tickets for NBC- £124 for 2 tickets including booking fee etc
  • Food, drink, fuel and miscellaneus- £311
  • Hop On Hop Off bus- £32 for 2 of us for one day

What a great short break, Glasgow is a great industrial city, lots of shops etc and plenty to do! If you are thinking of going, stop thinking and go!