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!
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!!