Wednesday, 15 October 2014

Charity shop bargains and Student discount card

Ooo I do love a Charity shop! My fave one is the Salvation Army - at the weekend I got a black spotty top for me (£1.50), a black peplum top for dd (£1.50), a pure wool scarf for 50p and a Rosemary Conley hardback recipe/diet book for £1. Yesterday went out in my lunch time - the charity shops in the town where I work are a bit dearer = got a lovely rust coloured light jumper (M&S) but paid £4 for it and a Weight watchers cookbook for £1.50. As Im studying with the OU I'm entitled to a Student discount card - costs £12 and this is the first time I have got one - you can use it at the Co-op for a 10% discount. I mainly use Asda but often top-up at the Co-op and so far have saved a grand total of £1.50 off!

Monday, 13 October 2014

Good news on job front and update

Cant believe my last post was March! Well, things have taken a turn for the better - my youngest dd left school so we lost the WTC and Child Benefit but she managed to get a job within a week of leaving - its only an apprenticeship (grand £2.68 per hour!!) but its with the Council where I work so no travelling costs and she will have an SVQ 3 at the end of it. So even on her pittance I still get dig money! And I have secured extra hours until the end of June next year so I am now working full time. Thats a bit of culture shock and to add to it I am still doing my History degree with the OU and just started my 5th course but first at level 3 which is going to be a lot harder - bring it on! We decided rather than fritter that extra money away its going straight into a savings pot - this house is desperate for new window sills, re-pointing and the bathroom is a disgrace. We bought it 15 years ago from the council and heaven only knows when the last time the bathroom was upgraded - still have the old toilet with the black cistern! We dont have a shower either. So thats our plans...which means I am still on the frugal wagon and watching every penny.

Thursday, 20 March 2014

Todays outfit.....

I was adding up how much todays outfit for work cost....M&s trousers, £2 charity shop, Bonne Marche top, £1.50 charity shop, Boots, £2 charity shop and my big padded duvet coat was £4...from a charity shop!!! The only thing I bought new (apart from underwear and I draw a line there! lol) was my handbag and I actually got that in Primark sale for £3. So top to tail for £12.50 - not too shabby!

Tuesday, 18 March 2014

Loads of reduced meat!

Well I had carefully made out my weeks menu including lunches, given the troops the "we will be eating more pasta and pulses" speech.....got to Asda and struck really lucky on the reductions....£45 worth of stewing steak, braising steak, some lamb mince and chicken kievs for 10p per packet!!!! I spent £1.10 and have an extremely happy family!

Sunday, 9 March 2014

Cheapest milk....

I must admit I had always thought that the cartons of uht milk would work out cheaper than fresh milk but I was wrong!!! Fresh milk in Asda works out as 44p per litre whilst the cheapest uht milk is 57p per litre - although uht milk is handy as I always have a couple of cartons lurking in the cupboard.....you live and learn!

Tuesday, 4 March 2014

Frugal soup

Well after yesterdays pity party I have girded my loins and got on with it....Todays menu is porrige made with water for breakfast, chicken and rice soup for lunch (made from Sundays chicken carcass and left over tiny bits of scrap chicken with rice, carrots and onions) Tea is Sausage hotpot (a la Frugal Queen) with pancakes and golden syrup for pud..

Monday, 3 March 2014

Heading for deep doo doo

I checked and yes, the Child benefit Child tax credit will all stop.....heaven help us...deep doo doo......So, I have picked myself up and have looked again at our finances.... First, we have no debt at all except for our mortgage which is really small. I only work part time but it will enought to cover our mortgage and all our necessary bills (ie Housekeeping/electric/gas/phones/internet. I will cancel Netflix and my Gift giving from my wages. I run our money via a Freedom account where I have "virtual" envelopes for all our spending - its broken down into different accounts. So I earn enough to pay for following accounts - Car tax & insurance, Xmas, Birthdays (with a reduction in these both). The other accounts - Holidays, Household, Emergencie and Car repairs - will be added to when I can by selling stuff and car booting. We both had allowances we paid for clothes we needed and entertainment - I will not have enough for this....OH is looking to see if he can pick up any casual work but as he has back and neck problems its virtually impossible to find anything. We do have some savings but I need to keep them for emergencys only - its a slippery slope if you start using your savings for day to day stuff. I am looking for more hours at work but there isnt anything available at the moment.... Its dd I feel sorry for - she was getting £30 Education allowance for staying on at school and that will go - if she got into uni at least she would get a bursary but as it looks like it will just have to be college she will have to try and get a part time job but as we live in a very small town is really difficult. Sorry its a bit of a miserable post but its rather hard to be cheery at the moment...