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Archive for January, 2018

Uber Frugal Wrap Up

January 31st, 2018 at 03:11 am

Last year's UFMC was way more successful... This year's just highlighted how much money is going towards debt. Despite watching spending, I'm still cutting it pretty close. Payday is on Friday.

This month highlighted that we pay too much on our mobile phone bills - mine will be cancelled in a couple of weeks, but I'm still paying for a sim card for a tablet that broke months ago (but the contract isn't up yet, and we didn't take out insurance!). It's in hubby's name so I need him to check when it's up so we can cancel.

I know I complained about the extra debt repayments, but I know it's worth it to have it gone.

I'm going to keep up using cash only for shopping. I really like doing this. I think I'm more accountable that way.

All in all, I could've done better.

Using Things Up

January 26th, 2018 at 05:52 am

I made a batch of chocolate caramel muffins. I had a tin of Carnation Caramel that needed using up. I've also made up some raspberry jelly that I bought months ago. We're having pizza for dinner using a pizza base mix. I'll put some leftover sweetcorn on the pizza.

Next Friday is payday. We'll be eating from the freezer until then. I have some frozen mince, stuffing and pigs in blankets, possibly bread rolls too. And I've almost finished the bag of mixed veg.

Update

January 18th, 2018 at 06:00 am

I finally phoned to cancel my phone contract. I'll be taking over hubby's next month.

I realised from just using cash this month, that a lot of our money goes to debt. I knew that was the case, but this makes it clear. At least, I'm paying more than the minimum and I should only have to do this until the end of next year - hopefully I'll be debt free by then (November 2019,hopefully). So, although I won't have saved a lot, I think I'll keep up this cash only habit because it really makes me think.

In other news, I'm almost finished that bag of lentils. Finally. I'll buy in a 500g bag the next time, not a kilo. We're having the last of the turkey for dinner tonight. Afterwards, we'll have rice pudding that's in the slow cooker.

12 Years Blogging

January 14th, 2018 at 03:29 am

I started this blog 12 years ago today. Way back when I was a young twenty year-old. Wow.

I was thinking the other day that I need to actually write down estimated payoff dates. I know the loan is May 2019. I can't remember when my 0% card finishes - August 2019? Then after that, I'll put all that money to hubby's card.

In other news, I spent 43.xx at Aldi. Way more than the 25 I wanted to. Ugh. But never mind. I'll deal with it.

Meal planning

January 11th, 2018 at 11:04 pm

I'm going shopping today. I meal planned, wrote a list then checked old receipts for prices. I'm hoping to spend less than £25 in Aldi.

This is what we're having:
-spaghetti bolognaise (SG picked, I'll make it tonight)
-frozen pizza
-turkey cacciatore (last of the turkey)
-lentil meatloaf (uses up lentils)
-tuna pasta bake (2 tins in the cupboard, plus pasta)

Now I'm hoping that I'll have one week where we can mostly just eat out of the freezer. We'll see. I bought frozen veg in last week and I haven't opened it yet. We're almost out of potatoes but I didn't put them on my list because we've got plenty of rice and pasta.

Update

January 10th, 2018 at 06:26 am

I think I'm doing okay, ten days into Uber Frugal Month. I don't know how much money I'll actually save, but I am more conscious of my spending.

I returned three unwanted Christmas presents yesterday. The store didn't offer store credit, so I exchanged them for a new pair of boots for J, and a loofah. Spent 50p.

I also bought a box of baby wipes because I seen they were on offer. Originally, I was going to get them next week but I changed my mind.

Meal planning has been going well. I think I bought in too many bananas though, so I'll get less next time. I shouldn't be shopping until Friday.

Next week I will use up the last tub of turkey in the freezer. I'm still trying to decide how, though. I froze half of the chilli that I made too, but I don't think I want the same again (we had it with rice and tortilla chips)

Observations

January 6th, 2018 at 09:54 am

#1: It's less stressful carrying cash. No need to check my bank balance today

#2: I was asked if I wanted to contribute to someone's retirement gift. I used to work with her. Everyone that currently works with her is giving 10; I'll give 5 (from next week's money, not this week's)

#3: It helps to look around (I found those black beans in one of my normal supermarkets in the world foods aisle)

#4: I spent 179.xx last pay period on groceries. The aim is less, ideally 140 (or less)

#5: I might not end up saving as much cash on my Uber Frugal Month this time round, but my attitude has changed.

Day 5

January 5th, 2018 at 05:45 am

It's payday. I went to three different shops due to offers, and spent 59.61.

Over the next week, we will be eating:
-macaroni and cheese
-pizza
-chilli with rice and Tortilla chips (making a double batch and freezing the rest)
-Turkey burritos (leftover turkey, burrito mix needed using)
-loaded potato skins with salad
-leftovers

I withdrew 140 cash for the week. It's a bit more than needed but I'll need enough change for bus fares. Leftover money will be rolled over. Next week I'll be withdrawing less since I expect to spend less now. All that's left to buy now is nappies - and wipes, but we're not out yet.

On Sunday I want to buy a couple of tins of black beans to make soup. I have to get them from Tesco because nowhere else sells them. While there, hubby wants us to treat the kids to a babyccino (about 55p) plus he'd like a coffee. Not frugal, I know. I did say no to food there though (3.50+ for a toastie). Anyway, if the weather's really bad I'll just go myself.

Oh, I paid off the catalogue today. Almost forgot that.

Day 3

January 3rd, 2018 at 07:44 am

And I need to remind myself that I'm trying to get out of debt. I'm not looking to take the kids to Disneyland. Is this completely random? Yes. But only because I seen on Facebook that an acquaintance is just about ready to take her kids there, and I just wished that I could do that.

Two years to go! (I hope!)

Update

January 2nd, 2018 at 06:23 am

Yesterday was a NSD - I really need more of those!

Today I bought:

-bus ticket (4.30)
-topping up electricity (5.00)
-milk and some reduced items (3.96)

I'm working the next two days. That'll be another 8.60. I'm thinking this month I won't buy a weekly ticket since it might actually be costing me more.

Last night we had pork loin steaks, the last of a frozen bag of broccoli and cauliflower, and the last of two bags of rice and leftover noodles. Tonight it'll probably be baked potatoes with beans and whatever else I can find.

Payday is on Friday.