I have been a little absent…

You may or may not have noticed my absence just recently. Even before covid19 shut the entire world down, I have been struggling a little with my mood being up and down affecting my eating massively, which in turn effects my mood!

I am avoidant in my personality, if I feel a certain way, I will shut off and avoid things that may or may not, make me feel worse, or in fact may make me feel better, as feeling shut off feels safe! I have not been struggling with depression or anything more than mild/moderate anxiety around specific situations, and have continued working etc. So it is nothing dramatic, just my brain and I disagreeing and arguing a lot!

Anyway, part of kicking my own brain/butt, is to carry on writing, as it can be really cathartic! So here I am, not in work until Thursday, wondering what I will do today to make me feel like I am making achievements, whilst maintaining social distancing, whilst also feeling very sad about our world, fears about our economy, my husbands future work and quite gutted that we are probably not going to New York at the end of May as we have been planning for 18months, which included a wedding in Central Park. A tiny part of me is hoping Covid19 will f*** off as quick as it seemed to come, but predicitions are that the UK will be hitting the peak in May/June.

I work in a Dementia Nursing Home, all my residents are unwell, both mentally and physically, which puts them in a very high risk group. We are following guidelines and working hard to keep everyone safe. Hubby may have to go and work abroad for a week on and off in another area of his work, as they have closed his local office- if people don’t go, they will have to look at redundancies, which is a frightening concept in this climate. This will put a lot of pressure on both of us, especially with the dogs, though my sister is not in Uni now and both part time jobs have closed, so I could engage her for dog sitting if Aran’s dad is unable to make it in. In good news, her Uni have adapted the end of the degree, so that it can all be done at home and fingers crossed, she will complete her degree and do her PGCE in September!

I have been more spendy these last couple of months, totally linked with my brain and I fighting. I do need new trainers so will be purchasing them and I have had to pay £120 today to carry on Nursing. Though I may be able to claim this back via work, might as well try!

We have decided to carry on overpaying the mortgage at this time, as we both are working and can change this any time if needed. We will wait and see if we need to ask for a mortgage holiday, we don’t yet, so may as well wait and see.

I paid another £200 off the credit card- if New York is cancelled, will probably end up with very little owed on the credit card once we have claimed pay back! It is about £4550 at the moment, still 0% until Dec 2020.

We have almost paid hubby back, so in May, we would be looking at that £150 being moved to the car loan- set interest so paying back doesn’t save money- so that will be paid back quicker- snowballing! Then in theory, we would combine both of these, £150 and £186 with my £200 and smash the credit card. Obviously, this is a little unsure now and credit card debt may change on its own. Hubby may end up losing his job anyways, or we could end up sick and not able to work so every penny will need to be saved, extra payments stopped etc. Also, if we don’t go to New York the £3k saved for that can be utilised in other necessary ways.

Trying to limit time on social media, I find myself getting very agitated by people sharing false news, angry statements, stupid statments, judgy statements. I also think that most people have no understanding of what is happening. We are not social distancing to stop covid19, but to slow its spread, in the UK they are certainly wanting the peak once seasonal flu has buggered off, so that they have more resources to treat it. People seem to think if we isolate a bit, it will disappear. And heck, it might! I am still trying to be a little hopeful that April will see some other awful thing happen and covid19 will ‘poof’ disappear! Every month of this year so far has been unpleasant in some way or another globally.

Have had unexpected pet related costs this year:

Jan 2020- Lady catches Red’s side when playing, he has a skin tear that requires emergency vets and two staples, £96. Healed very well and he is still crazy!

Feb 2020- Red chases a pheasant through brambles…comes out covered in cuts and a thorn in his eye!!! Another emergency vet app, £56. He has healed really well, getting his eye drops in 3/4 times a day was a nightmare! And yes, both dog related issues were on Red, he is a clumsy and crazy boy

So far in March, and there is still time! We have had to take a chicken- Blue- to the vets, as she had become very poorly. We got antibiotics, and she has perked up, but another chicken is now poorly so living in the spare room continuing antibiotics! This was £50. Bloody animals!

I am going to get back into sharing my brain farts, it does help, better out than in! Not been able to logon to mortgage so not been able to see where I am at which is frustrating, still waiting to swap over to Halifax too. Not going to ring as can imagine they are snowed under at the moment, and it will be a year in June so you can expect a big old update then!

UFM Challenge- thoughts and first few emails!

So I figured I would give myself some rules regarding this. I understand the premise is to be super frugal, which I guess my mind is still rallying against!

With regards to clothes- there is no need to buy any as it stands. Exceptions to the rule: If I find a perfect dress for the Wedding I am attending in New York in June, I am a big girl, clothes in my size aren’t available in charity shops, especially locally- unless it’s clothes I donated! So I often shop online. Only item I technically need is a beautiful dress to wear for the Wedding, which will be in Central Park! The other exception: to replace items that have worn through, this month I am thinking I won’t need to, unless I wear the back of my trainers out again- I do this a lot! I wear trainers often and buy new ones from discount stores for around £30 or less, I always seem to struggle with rubbing the back of the heel section away which results in blisters! These current trainers are from before September 2019, which saw them getting me around Disney and Universal Studios, they are more than cost effective now!

I want to try and get 20 No Spend Days this month, I used to do this regularly on moneysavingexpert forums. It is a helpful way to curb spending and feels like an achievement in itself! Things that are not included as a spend: when we go away or the house account pays for something- it is a personal spending challenge not a joint one. We go away for a few days in a couple of weeks, the house will pay for all this as that is what we do with holidays, so unless we personally spend anything, I will include these as personal non spend days. It is amazing how often I buy things without thinking, it is the 3rd Jan and today will be the first day I dont spend any money, on the 1st I found the possible perfect dress- preordered so technically not paid for yet, and it may look awful so not a guarenteed spend as it could go back! Yesterday I had to put fuel in my car, today is the decided takeaway day for the next two weeks, that one is house account money, therefore today can be my 1st non spend day of the month! Ouch! Also, gas money wasn’t taken, she apologised as they had been busy and she shredded my order before processing- so they are going to try and deliver today. So that will be coming out today instead of last year- again it is house account so not a personal spend, but still makes you think! I don’t include direct debits from my account as a spend day, and if I got cash out I would class that as a spend day, but if that money is spent on another day I wouldn’t include that. Some folks would include any and all spending as a spend day, other people, like myself, have some leeway! I will keep you all updated on my progress!

I will be engaging in some Tilly Tidying (TT)- another term found due to the moneysavingexpert forums, founded by a wonderful lady called Tilly! It is the art of rounding down! Very simple and effective. I am wanting to build an emergency fund at the moment, so as this month we are heading away, I have decided to Tilly Tidy the house account after any money goes out from it, keeping it nice and tidy and rounded to the nearest whole number and move it into a little account to build up. I have aggressively TT’d so far, so I am hoping I won’t need to move any back! I moved the money we are no longer spending on the Zoo, Life Insurance and my RCN magazine straight away, we are up to £150 plus a few pennies at the moment and only three days in. This isnt a busy account generally speaking.

We are making an effort to meal plan and cook, on New Years Day I made soup, fish pie and bread. The bread came out a bit funky, but edible, the soup is yummy and the fish pie was very tasty and did us for tea that day and lunch the next. Soup was frozen and I defrosted it for my long days but wasn’t great at actually eating it as very busy!

Day 1 email from the frugalwoods- this is the homework I had already completed so that was easy! Payed for a preordered dress- spend day!

Day 2 email: This was future planning, again I had already done this in the homework, brilliant, especially as working a long day means not a lot of time to think! Paid for fuel- spend day!

Day 3 email: Fighting impulse buys- do not buy any non essential items for 72hours. This makes a lot of sense and helps with the non spend day ideas too. She breaks it down to- write down, or leave in the basket the item you want to buy, allow 72 hours to pass. Consider if you really need it? What could you do with the money? Do you own something that would suffice? Could you find it cheaper? Could you borrow it from a friend? After the alloted time, re-evaluate how you feel about the item, do you still want it? Mantra- I have the willpower to wait! No spend day!

Day 4- I have lost this one! Can’t find it in my trash either…I am sure I read it! No spend day!

Day 5- This is all about grocery shopping, an area I have already highlighted as a problem areas for us! I have been meal planning more, then actually trying to make sure I cook what I have said! Too many complex foods last week though. I shopped yesterday, this was hubby’s shop but he has been working away and I think I did a good job of thinking of more simple meals that we can do which are tasty and some healthyness! I paid about £60 and this included wine for me and wine I will be taking to my parents on the weekend when we get our food cooked for us. My stepmum is an amazing cook, this will be better than any restaurant fair! No spend day!

Day6- Know where your money is! This has got hubby to download an app, that I may also download! The one on frugalwoods is american, so he found a british version-when I find the name I will let you know! I haven’t worked out our net worth, I am not sure to what end that would help? My monthly wage varies depending on 4 or 5 week months, but I know what they tend to be! The only interest we are paying is for the mortgage and the car, unlike the mortgage, the car is set and no matter when we pay it the interest is the same. Credit cards are 0%. With regards to pensions, I pay into a basic one, to be honest, they don’t seem the best….I did discuss increasing my paments but nest and work seemed unhelpful and I wondered if it is really the best place for my money? Investing confuses me, I won’t lie. I will continue to look into this to see if I can work it out! No spend day!

Day 7- About mobile phone costs, as part of the homework I had indentified this, and after visiting Vodafone I have now got the same deal for £11 a month, we have pants signal where I live and we already have a vodafone signal enhancy thing, so this is best price given that! Did buy food shop, but it is actually other halves shop, so he will pay me back- technical non spend day!

Day8- Is your partner on board? Yes he is, we have always discussed money and made choices together. We work well in that way most of the time, though we can also talk each other into buying things!haha. He is enjoying this challenge as he recognises that he isn’t the best with his money and feels this can be improved upon! He does want the mortgage gone, but tends to leave the other bits, including overpayments to me! So far no spend day….

So today is day 8, pay day yesterday, I am up to 5 non spend days, quarter of the way there! 5/20. Watch this space for today, I do NEED earring backs but might be able to hold off a bit longer. My current earrings are making my ears sore, and my previous earrings have lost there back…tut tut! I have reached £25 on Onepoll today so that will be working its way over slowly!

What gets the chop?

So, as part of Uber Frugal Month (UFM), I made a list of payments we make monthly. It is hard to look at what we pay for, and break it down into the bare bones, rather than the joy it can give! Kon Mari my spending!haha. Writing everything down has allowed time for hubby and I to read over and discuss what we spend money on, whether it is important and what to change.

I am looking to change my Sim only deal, I pay £14+ a month and it isn’t great really. Nosing on MoneySaving Expert Sim Only Deals it is clear there are a lot of options! It is frustrating to see vodafone offering great deals to newbies, will have to see what they will offer a long time customer, if they won’t I will happily jump ship! Have gotten all irritated over this get new customers and sod the old!Haha.

We have concluded we will cancel the zoo membership, we are not making use of it and £13.75 adds up over the year! I will get on this ASAP and see if it can be cancelled before Jan payment!- Now cancelled!

We are chatting a lot about the life insurance and critical illness cover, we have no dependents, if one of us died, it would be nice not to have to pay the mortgage. But the current cost is way too high, we could afford the mortgage on one wage, but it would be darn tight! But, this is why we are doing the UFM challenge! I think we have concluded we will cancel it and hope we don’t die anytime soon. -I have cancelled mine, hubby will cancel his next week!

I am now on the lookout for a better current account, the 123 account used to be great, we got 3% interest over 3k and cashback, which more than covered the £5 account fee. Now the interest is 1.59%, we don’t get a lot of cashback really- we are on bottled gas, no cashback for this! Internet goes from hubbies account etc. I may see what happens when we move a small chunk of savings back in, just in case…

I have put the wheels in motion to cancel my mental health magazine, I am pretty sure this is over £7 a month, though a very interesting magazine it isn’t as relevant anymore and I can access the articles online if I desire. Will remain a member of the union though as it offers insurance and support if anything goes wrong.-Now cancelled!

Reading up about cancelling the TV licence, I could definitely live without BBC. But want to check on the ins and outs so I don’t get fined! We don’t have an aeriel to the downstairs TV, and even though IPLAYER is on the TV, we can ignore it in order to not pay £154.50 for the year. Sorry BBC, you are ok, but not worth it in comparisson to Primes £79 a year and free next day delivery as well as shows…

We have no choice with regards to heating, we have no main gas to the house- no one in the area does- oil and gas will often change in costs, I prefer the look of gas bottles to an oil tank aesthetically, and with our narrow drive, I am not sure a tanker would fit! We are trialing turning the heating down from 20c to 19, then maybe 18- this is the new recommended temp apparently! We have underfloor heating, it is best that temp is maintained for cost effectiveness, we have it on a timer all day with the thermostat set, then off overnight as I hate getting too hot in bed. We only have radiators upstairs and the temp is only on 3, which is enough at the moment. The only way to improve on this is to look at green options, at this time we don’t have the funds, but would be happy to do this in the future.

Hubby recently changed over the electric company to the best we can get, the ways to improve on this is to use less electric! We aren’t daft, so have all energy efficient bulbs, our appliances are efficient, we turn things off at the walls, have a super efficient kettle, our cooker runs from gas (expensive!haha) and try to make sure we don’t leave lights on.

The water costs are what they are, it is difficult as we have an acre of land, in the summer it is hard as I want to water the garden and plants once the water butts are empty there is no choice! Next year we plan on adding gutters and water butts to the chickens run to help save more water. We already have some around the stable/shed though one got broken so needs replacing. We will fill buckets with water in the summer when we are waiting for the shower to warm up as a way to water plants more cheaply! Also fans of, if it is yellow let it mellow 😉

Council tax is what it is, we are in the right bracket, it is paid over 10/11 months, think it is 11! Need to double check.

The credit card is 0% until the end of 2020, I am not worried about this and will TART it to a 0% transfer card when the time comes. The link to Money Saving Expert shows the best deals, but also soft searches to tell you what card you are likely eligible for and the percentage of acceptance. The minimum payments seem a lot more on my card than hubby’s card- he has his truck balance left on his (he will have saved to pay it off when it becomes chargeable- so not worried), but his minimum payment is half what mine is! Not a problem though, as it means my balance will be a lot less when I have to tart it! I have no plans to use this card again now holidays are planned and costed out. So will be removing debt every month!

Car and House insurance is reviewed yearly and paid in full if applicable! I am paying monthly car but paid house in full last year. I am happy I shopped around and got the best deals!

We are going to work out what we are paying for dog medications, food etc as we go into 2020, we already buy a cheaper version of the dogs supplements- same ingredients, buy Red’s main medication from human pharmacy-so not much trimming room with regards to the furbabies.

We have approx 2 years remaining on our loan with which we bought the car, this is £180 a month- doesn’t matter if we pay it off early, interest is part of the repayment so doesn’t save any money. We got a really good deal on the loan when we took it out, I think it is around 1k we will pay on 10k over 5 years- rough estimate off the top of my head! Checked dates, paid for the car 16/09/2016, so less than 2 years to go!

Biggest personal savings will be on food bills I think, we really need to meal plan, but then actually make the meals as well! When I meal planned last time, I spent £57 on a weeks food shop, this included booze! I will sit hubby down at some point to make a plan of meals, including lunches at work. This will also see us having two weekly takeaways :0

Having cancelled Mental Health Magazine, Life Insurance and Zoo, we are up £81.05 in the first month of 2020! Let us see where this journey takes us!

2020 Mortgage Goals

I have upped the overpayment back to £250, we should have enough for New York and that was the only big expense left really, therefore back to overpaying the full amount we can afford!

According to Money Saving Expert’s mortgage calculator, based on our current mortgage of £152,475 with 24years to run, we will pay £39,227 in interest over the remainder of the mortgage. By the end of 2020, our mortgage would stand at: £147,459 and we would be mortgage free by 2044.

It is good to know, so I can play with the overpayment calculator and find out what the overpayments will do!

So, with our regular overpayment of £250 a month, starting on January 1st 2020, we would pay £25,966 in interest, saving £13,261. We would be at £144,432 by the end of 2020, this would be paid off in 16 years- 2036. This seems like a great achievement long term!

Though I would like to have paid off 10k, you know, just to round this off nicely!

So I added 2k as a one off overpayment in December 2020, it would save us an extra £700 over the life of the mortgage, end date would be 2035, a year earlier.

And out of curiosity, I added a one off payment of £4500, this would take us into the 140’s at the end of 2020. We would pay off the mortgage in 15 years, same as the 2k one off payment though would be saving an extra £1610 in interest!

In reality, I think that the 2k may be managable, the 4500 not so much, maybe if all we did was overpay it might work but we have other things to save and do next year! Hubby is happy with the £250 overpayments, so I would have to see about anything extra!

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.