Debt busting!

Last night we paid off our credit card! £3800.88 of debt, poof, gone!

We decided to use the money we had saved for New York to do this, as we have no idea when we will be going, but also, I don’t think we will be doing a big road trip if we do go next year. We have no idea if the Wedding we were due to attend out there will be squeezed in next year or not, but I know the bride to be doesn’t like the cold so it would likely be in/after June 21 if it were to happen. We should be able to save £2k by then and we have a voucher for the previous flights so will only need a hotel and spends.

So in a couple of months, we have managed to pay off our car- approx £2700 and our credit card! I still have the 5k loan (untouched) and hubby has a long lasting 0% credit card for his truck. So those two and the house are now the only debt we have. Probably equating to £8.5k.

It feels good to know that what we have saved so far this year enabled us to have paid off two debts. Due to hubby’s job change we aren’t able to roll the saved payments into any other debts, the £100 I spent on the card can go over to the house, but the car is part of the loss if income from the new lower wage. I am interested to see what his first wage will look like and how it will affect our savings/outgoings. We have money set aside for the cars MOT and Service in Oct, I have paid the house insurance in full and we are doing ok.

We have our holiday booked in Jan to Florida- everything crossed that this will go ahead, we have fully refundable car hire paid, hotel paid, transferable flights and disney tickets so worst case we should be able to rearrange. Would be sad though! No holidays planned this year, just some pottering out as we are still being very careful with Covid.

Stay safe!

Mortgage Round up for the year!

Gosh, I can’t believe that it has been another year in mortgage world! Received our years breakdown and I do like the look of what progress we have made in this time. Overpayments have varied, as life is never straight forward but overall we are seeing big reductions in the mortgage especially compared to when we first got this mortgage- the interest made up 3/4 of the monthly payment, my goodness that was a painful time!

In December I wrote a post about my plans for the mortgage, including projections on how OPs will shape it. As of the 1st August 2020 the mortgage stood at £147,254. The projection I made in December 2019, based on moneysavingexpert’s mortgage overpayment calculator, was – £147,459 by December 2020. So I am very very pleased to see that the OPs previously made meant we hit that 4months early!

So here is what we have achieved this past year:

£10,201.76 has been paid to the mortgage

£3,193.04 of which was in interest

£7,008.72 of which was capital

Based on the current mortgage balance and rate, another year with no OPs will see our mortgage stand at: £142,607 in August 2021. As it stands, we are still making a small OP of £50, this still makes a noticeable difference long term. We will pay the mortgage off 2years and 2months earlier, saving £4352 over the lifetime of the mortgage. In a year the mortgage would be: £142,001 knocking 601 pounds off the morgage in a year. That doesn’t sound as good as when we paid more, but it is better than nothing and over time makes a big difference. And you never know, we might be able to increase those payments again soon! 🙂

And I’m back….

So I went AWOL again, I feel like life has just been weird and constantly full of mild anxiety. We had a horrible time with hubby’s work, my work has continued and we have lost some lovely elderly people (at work, not home, not covid, just end of life stuff) and covid has had my moods swinging like a flag in the wind!

We have continued to over pay the mortgage, pay down the credit card, then added more onto it (more on that later), put on weight and moved less, then started to think about food again and move more…

We made a veg bed and are slowly filling it with gravel, then will come the soil and I can plant plants, I have been infusing vodkas, fun! Hubby now has a new job starting in a month which will see our incomes decrease, and hopefully stress levels decrease. We have booked to go back to Florida in January, have no idea when the wedding we were meant to be going to in New York is going to be so thats on pause.

Little dog developed a lump and has been lame on his front leg, apparently a fatty lump and probable arthritic changes, can do an x ray but he is such a stresshead and treatment won’t change so not doing it. He has tramadol in the mornings, metacam in the evenings, and we continue on yumove. Big dog just seems to be getting so much older, makes me sad, love them both so much! We lost our last three rescue chickens- all different symptoms and vets with no clue over two months, and adopted two more, Florence and Gertrude. They seem pretty happy and healthy, and they lay eggs! From reading, I think that unfortunately ex battery chucks don’t tend to have long lives as they have been egg laying machines. Hopefully they had a lovely two years.

Phew, that is life for the last few months! I am feeling more positive at the moment, so I am hoping to come back and start boring you all! I am also thinking of dedicating part of this blog to my issues with weight as this is a huge part of my life and difficulites and can feel complex and isolating.

We will have some actual money based updates soon too!

Hope everyone is well 🙂

March Money Madness

I just wanted to use some alliteration there 🙂 It hasn’t been too mad.

I haven’t been able to logon to Tesco since December, very annoying, I try randomly and with everything going on in the world, am not going to ring up to check, presuming it is all linked to being moved over to Halifax. Hubby and I have been discussing stopping the overpayment with the current climate, including the uncertainty and fear around his job. Though as we are both earning this month, we decided that April should have the £250 OP still and we will play it by ear from there. We are hoping we can carry on as ‘normal’ if nothing changes financially.

I have made a guess that our mortgage should be around: £150,675 if I have paid £600 capital off a month, which I had paid previously when overpaying £250. I am happy with this, wish I knew precisely, but whatever!

We had to take a chicken to the vets and paid £56 for antibiotics and the consultation, sadly, despite treatment beautiful Echo passed away. We syringed her water and the antibiotic but she didnt make it. Blue, who was the first poorly one, got better really quick and is doing great, now Charlie is poorly. The vet wasn’t concerned it was anything contagious to other animals which is a relief and we are treating them all with antibiotics now. Today I will be collecting the dogs prescription then getting them filled, this will be an expensive day! Completely worth it though. £56 for the anti inflamatories and Desmopressin prescription, a further £123 for the prescription to be filled. Need to explore if we can get this cheaper somewhere else, plus they never have 90tablets in so I will have to go back again to collect the rest. What a pain in lockdown, plus I am working 12 hour shifts. Hopefully hubby might be able to go.

Hubby got a chimney sweep in- £70, he (hubby) has capped the chimney pots as birds then tried to nest in the clean chimneys! Got the caps for free, and some stone for the hearth for free. Paid for the fireboard which he has now installed. Unsure of the cost for this! Our current flue is too short, hubby’s dad left his spare outside their house, so when hubby was out with work he could collect it and not break any lockdown laws! This might mean that we can get the fire up and running! We are having issues with the underfloor heating, we think the boiler needs an expansion tank or something, can’t do anything in this situation though, plus the house is still heating just not well.

The shower downstairs has loose tiles which have been letting water in, so hubby has taken them off, this is another job that will need doing. We have been discussing re-doing the upstairs bathroom, getting rid of the downstairs shower and making a small utility area there instead. Luckily, even though the upstairs shower is crappy compared to downstairs, it is water tight and usable. The concrete floor in the lounge is loose in parts, so need to investigate this at some point. Possibly ouchies to the wallet all round!

This month we also paid hubby back what was owed from Florida, and have only had to pay for gas once. I have moved money across which includes £250 holiday, £150 that Aran had been paying on the old credit card that we have paid off, and then paid himself back with and finally £82 that we have saved by cancelling items during uber frugal jan! So we are moving money, the key is to keep it! Or keep saving to pay for all these things we keep finding wrong!haha. After all the bills go out tomorrow I will do a tilly tidy and work out whats left and what we may need to spend for the month.

In April, we may need two lots of gas, its hard to plan in advance as we don’t know what the weather will do! Got away with only one order in March, so we are probably very close to a new order! We will need to buy more raw dog food and treats, about £40 which lasts over a month, Council Tax will be going out again, boo!

Hoping April will bring the peak and decline of covid19, and some semblance of normality will begin to come back. I hope you and yours all safe 🙂

DIY Washing Powder and Conditioner

So I have purchased the ingredients to make our own washing powder and conditioner, I have followed the recipe from FreshSkin. I already have quite a few bars of soap, so didn’t need to buy that, the rest I bought from Amazon- using Amazon smile so our chosen charity also gets a little something from my spending!

I have bought:

  • Natural White Vinegar- 10litres in two packs £9.75
  • Lavender Essential Oil 30ml £9.99
  • 6kg of Soda Crystals £8.85

Total cost: £28.59

Earlier in they year, I grated a bar of greek soap (from our holiday there a few years ago), added together the soda crystals and put them into an old container. It takes two scoops per load of laundry, we haven’t added any essential oils and haven’t made conditioner. May do that in the future! Clothes seem fresh and very clean, no smells. I am so happy!

DIY All Purpose Spray

We will be using an empty bottle from a previously bought spray, so one less thing to buy!

This compromises of:

  1. 1part water
  2. 1part white vinegar
  3. 12-15drops of an essential oil

Sounds great and will be mixing this up ASAP! Recipe from FreshHome. I have already ordered white vinegar and essential oils for the washing powder and conditioner, so multi use and hoping this will be great!

I bought Lavender essential oil and it does seem to mix well with the vinegar smell, this same mixture can be used for cleaning the shower daily too so once we run out of shower spray I will be mixing this concoction again! Better for the environment and hopefully as efficient.

Update: Have been using this a month now, and so far so good. We added a little more water to our mix, still works great!

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!

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

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!