Monday, 9 April 2018

Frugal Count

Since my last post was about spending money, I figured it's time I paid a little bit attention to some of the frugal things I've done lately (well, it is supposed to be a blog about frugal things!).

Here they are, in no particular order - but it's a numbered list - go figure.

1. Ate the free lunch at work. I'm pretty fortunate in that my workplace provides a meal for us. Depending on the shift I work, sometimes it's a sandwich and fruit, and sometimes it's a hot meal. Often it will be the soup of the day. Occasionally the hot meal is something I'm really not in the mood for. But I'm trying to show discipline and actually eat what's on offer for free. As some evenings I am the chef, sometimes I can even decide what's on the menu. Saturday night I did steamed salmon with rice and peas (now that's what I call a win).

2. Took home leftovers. Usually this is not an option, I can't take anything from our kitchen at work. But if a colleague doesn't want their freebie sandwich or apple on our daily coach trip to the next city, I'm happy to take it home.

3. Stuck to one transport. I was mixing bus and train, sometimes buying a return ticket only to go home via the other transport because the timings were awkward! Yes it's a little inconvenient when I have a longer wait for the bus in the evening, but I walk half way and get some exercise in. So I was finally able to buy a weekly bus ticket to save a few extra pounds.

4. Free coffee from work. Sometimes they even have vanilla flavour. I make one and drink it on the way home, from my reusable travel cup. #green

5. Bought a radio. Yeah I spent money, but hear me out. I mentioned that I've cancelled my Spotify subscription, well I spent 18 pounds on a digital radio that sits beside my computer. I found a few good stations to listen to and two months in the radio has paid for itself. It also has a bonus of not using my internet data.

6. Stayed on the freebie list. latestfreestuff.co.uk is the one I'm a member of. They're not all useful freebies for me (I don't really want free kids' stickers) but I always go for the free razors, free perfumes or cosmetics, and free coffees.

7. Data rationing. Normally I'd have said that I must have plenty of internet access and it's not-negotiable. This month I somehow used 90% of it in the first two weeks, but I decided I'd just have to deal with what I have left. I have had to be really careful about the remaining data. I don't want to have to buy any more. Fingers crossed I'll make it to reset day :)

8. Played my existing games. This is part of trying not to use up my data! I own quite a lot of games already and I'm revisiting old favourites rather than play things online. So far I'm definitely not suffering.

9. Put the space heater away. It's staying over the 5 or even 10 degree mark nowadays and the flat is easily around 22 with just the weak wall radiator, so the blower is being stored for the summer. It chews through the power, so this will save a lot of money.

So I made it to 9. I'm sure there are others. What things are you doing to keep things frugal?

Sunday, 1 April 2018

Lifestyle Creep

I think I have a case of this. Apparently, even someone who knows it can happen and knows of its evil can still watch it unfold before their very eyes.

What's "Lifestyle Creep", anyway? Put simply, it's the tendency where the more you earn, the more you spend, and the more money that comes in, the more you throw at indulgences. I have the ability to live very simply on a very small income. Covering bills and not much else (and not really suffering). But then I go and get myself a payrise and suddenly I'm living in a larger flat and spending more on the rent and bills, almost entirely swallowing that raise. I buy a caravan for income but it comes with bigger expenses. And now I'm contemplating owning a car in order to allow me to earn more income... and the car ownership will probably eat a good chunk of that extra income.

Lifestyle Creep doesn't even have to be on frivolous purchases either. I doubt most people would consider a one-bedroom flat and second-hand car to be indulgences.

At this point I'm not too horrified. But it's interesting at the very least and something that I want to keep in the forefront of my mind.

Saturday, 24 March 2018

Currently in Purgatory

Well maybe not so much purgatory... but maybe limbo? I went down to my caravan this week to finish getting it set up for the season, and took half an hour to sit by the sea front. I was hit by a wave of wistfulness, the sun was out and there was the smell of the sea, and that beautiful view. I'm having a few moments of late where I resent the time that work takes up in my life. #firstworldproblems of course, hey we all have to eat and money doesn't grow on trees, so those of us who didn't inherit Uncle Bertrand's millions have to go to work. But anyway, of late I've been contemplating that someone ELSE is going to need to clean and manage this caravan for me, meaning I'll rarely be here unless I happen to be Not Working on a Monday or a Friday. Essentially I'm not able to "accept" this job because of my full-time job commitments and it will also cost me money to pay a cleaner. I also passed up a part-time Sunday job due to my workplace not being able to guarantee I'd be free on Sundays. Another job I couldn't accept because of my full-time job, and this time it cost me £80 a week.

I like what I do... sure we would all probably rather not work given the choice, but as far as my actual job function goes, I enjoy it. Once I get there I almost universally have a good day. But I've also spent so many days either working or thinking about work this year that I've had zero time for a life. I literally do nothing else but work. I've spent a grand total of 45 minutes since new year doing anything social other than working, and actually, sitting in a truck stop eating a Greggs takeaway with a mate doesn't really count as having a social life.

I will admit that after the "can't take the Sunday job" incident I contemplated looking for another job, one that had set working shift patterns. I don't even necessarily need a "better" job or more pay, just something that doesn't demand I'm available 7am-11pm, 7 days a week. But I didn't put any real effort into job searching. And then this week while looking out at the glorious English Channel and eating my brioche, my brain slammed into gear and yelled at me: you moved to England to have a life of your own, you're now not achieving anything but barely paying bills, you haven't actually got any life at all, so why are you doing this to yourself?

I have been shaken.

It hasn't helped that I've been reading a fascinating FIRE blog lately (Financially Independent / Retiring Early) and it's been so relentless in its description of working taking up valuable human-time. But it's the truth. And it's hard not to resent something that almost wholly prevents you having any life at all. I had promised myself that in England I would meet new people and make some friends. So far I socialised outside work three times in a year. Obviously I could have tried harder, gone to meetups, join a course or class. But when your work days change every week, how can you go to a regular class anyway?

The route my mind wants to take me is in leaving this job and finding something part-time so that I can take my Sunday job too, and manage the rental van, and also have time to do something on a Saturday. But I recognise that making all the stars align in such a way is really quite difficult, and so I hesitate. "What if I quit then can't find flexible part-time work? What if I can't pay my bills? What if I lose the caravan? What if that Sunday job is gone? What if I can't manage my rent? What if it doesn't turn out perfectly, what then, what then?"

I realise I have to get my ducks in a row. Let's hope that my brain can handle this because right now it all seems a bit too much.

Tuesday, 13 March 2018

The Price Was Right

Thanks to a power cut at my workplace and thanks to minimum food temperature laws, I came home yesterday with five packaged sandwiches, five pots of fruit and sixteen tubs of yoghurt. All of them reached 9°C by the time power was restored, meaning they had to be sold within two hours or binned. The reason I felt they're perfectly safe for me is that I am quite sure my own grocery shopping goes over that temperature some days before I manage to get home! That haul was all that I felt would fit into my fridge. Two large bags of food had to be left behind - I hate waste, so I managed to get a few of my colleagues to take some home too. So there's a bit less I have to spend on my groceries this month (a large woo goes in here!).

I'm also AirBnBing again. I have a lovely couple staying in my bedroom at the moment while travelling. A builder stayed on the weekend and tomorrow a university lecturer arrives. Every extra penny counts, as they say! My bedroom is definitely not the level of luxury that my AirBnB apartment was, so I don't charge nearly as much, but it seems there are still people who'd rather save on accommodation and spend on other things. I can't say I blame them, I'm exactly the same. I'd rather spend on nice meals and seeing the sights while on holidays. Who cares about the place you lay your head, as long as it's quiet, clean and warm? I mean, you're asleep...

I managed to pick up an extra shift at work this week too. That's a rarity right now. I know May will be good for extra work hours, so until then I'll take anything I can get. (Someone needs to invent bills which pay for themselves.)


Tuesday, 6 March 2018

The Master Survey List

This is a list of the UK survey sites where I'm an active member (as of March 2018). Since so many blogs list them all without disclosing whether it's really a good site or whether they just get a good bonus for referring you... I'm going to note how I consider them in terms of rewards and let you decide which are worth joining. This includes referral links, meaning I possibly get a small reward for you joining.

The Awesome List:

1. Prolific (referral link)
This one is different to all the others as they are not surveys. Almost all of these are actual scientific studies, and they keep an excellent list of your questions & answers, meaning you don't get screened out - they only invite you to the studies you're a match for. The rewards for these are far, far better than survey sites, and in general, you will find that these are far more interesting. You may be asked to decide whether a cartoon character is being dishonest, or watch a balloon and guess how long it will take to pop! In fairness, there are not a huge number offered. But if you check daily you might be able to cash out fairly quickly. I have been paid by Prolific (payout is by PayPal or via Circle, which charges no fees for withdrawal).

2. YouGov (referral link)
Many of YouGov's surveys are polls on behalf of government, public interest surveys, or by large corporations. While it doesn't send too many surveys, I personally find that this is the survey site that screens me out the least. This makes it the best survey site for using my time. I have been paid by this site, although it will take a long time to reach cashout for most people. Payment is by bank transfer.

3. Crowdology
No referral link here, since they don't have a referral programme. So you know that I'm including it because it's genuinely worthwhile. Payment is via PayPal or Amazon gift card. You can reach payout very quickly (it's only £4.00) and I have been paid many times.

The Good List:

1. e-Rewards
Another one without a referral link. Their payout is only in Nectar Points, which is the only reason they haven't made the Awesome List :D Surveys come fairly regularly and I've cashed out with this site several times.

2. Opinion Outpost
Easy to navigate the site and it sends a good number of surveys. You can cashout with PayPal or choose a voucher. I've been paid by this site several times - the threshold is quite low so you won't have to wait long to reach it.

3.  Mingle
I stick with this one even though it's hit-and-miss, because I have been paid by them. But be prepared to be screened out of quite a few surveys, and quite often the link tells you to try later (save those emails and try them the next day). Mingle mentions a referral programme in the terms, but I couldn't find anywhere to locate the link to share, so I've asked them for more information. Payment is via bank transfer or you can choose from various gift vouchers.

4. My Survey
I loved, loved, loved this site until recently. I have been paid many times, they send plenty of surveys and the payout threshold is easy to reach (PayPal or gift cards). Unfortunately their website seems to have become suddenly slow and unpredictable. You sometimes need to log in more than once to start a survey or see your account. MySurvey does not have a referral programme in the UK.

5. Global Test Market
Belongs to the same company group as MySurvey, and if you only join MySurvey you'll notice you often get surveys that redirect you to GTM. You can be a member of both, however. Like MySurvey there is no referral programme in the UK and the payout system is the same.

The Ho-Hum:

5. New Vista Live
Sends a decent number of surveys and has decent rewards for them. Unfortunately they pay only by cheque and only when you reach £50 (um, it's 2018, this is not very user-friendly). The large payout threshold is pretty off-putting, so in my opinion, this is only for very patient people who have already signed up with better sites which pay much faster. I haven't reached payout with them myself. This one has no referral programme.

6. Toluna (referral link)
Lots of surveys. Rewards for them are decent. Unfortunately it has an obscenely high payout threshold so you might go grey before you get there! This is for the patient people who also do other surveys. I have not reached payout yet.

7. American Consumer Opinion
This one used to send a lot of surveys and was fairly reliable. I've reached payout with them and they pay by PayPal. But I'm currently having a major technical issue with them where they haven't updated my country correctly so I screen out of every link, thus, they have been shoved down into the Ho-Hum list. This isn't a referral link as they didn't accept my application, apparently my blog isn't good enough for them to want you to join. Anyway, I can't recommend them unless you're prepared to accept the risk of possibly completely wasting your time.

The Mystery List:

1. Opinion Inn (referral link)
Well, I joined them, filled out all their screeners, and so far no surveys. Good? Bad? Who can tell? They still might be worth joining because you're not losing anything, they give you a US$10 signup bonus, and payout is via PayPal once you reach $25. Perhaps they need people in your area and family situation but not mine :)

2. 20 Cogs (referral link)
This site pays you for completing offers. Some require a purchase and some are free. It pays a £1 welcome bonus and payout is via either bank transfer or PayPal, starting from when you have completed 20 offers. Some of these offers pay over ten pounds each.

3. Oh My Dosh! (referral link)
This is a brand new site similar to 20 Cogs above. It also has a competitions section. There's a £1 welcome bonus when you join and payout is at £10, by either bank transfer or PayPal.

The New-To-Me List:

1. Surveyeah
Payment is via PayPal or gift vouchers once you reach £10. There is no referral programme.

2. Inbox Pounds (referral link)
You can complete offers, do surveys or play games. Payment is by cheque, Amazon card or prepaid Mastercard and the threshold is £20. This one is sending quite a lot of surveys so far and seems pretty promising.

3. iPoll
Cashout at £25. This one has no referral link.

4. Market Agent (referral link)
Payout by PayPal when you reach US$2.46, which is quite low! (Reach $18.45 for no withdrawal fee.)

5. GfK MediaView
I joined this and waited for my activation code by SMS, which didn't come even after checking my number was correct and hitting "resend" three times. I tried again a week later and finally got it to arrive. Then I logged in and did the screener survey, but it's still telling me I need to do the screener, and when I try to do it, I'm told it's done. Stuck in limbo here, I think their system seems a bit ill... so I will update if I'm ever allowed into my account or receive any surveys.

Tuesday, 13 February 2018

Pancake Day

So it's pancake day, and while I don't usually go nuts over traditions, I had the day off work anyway so why not.


Whisk 3/4 cup of milk with an egg. Add a cup of self-raising flour and a tablespoon of sugar, and a teaspoon of vanilla (optional). Pour a small amount onto your medium temperature frypan and cook for about 40 seconds. You'll see the bubbles pop, so flip them when you can see holes that don't disappear. Cook the other side for another 40 seconds.

Enjoy.

In my arrogance I hadn't checked my cupboard properly, and it turns out that I only had plain flour. Whatever, too bad, I made them anyway. They're not as light as they would have been but they are perfectly edible once covered in cinnamon sugar! (If you used plain flour like I did, then flip them once the outer edge stops being shiny.)

I also had a lonely-looking cake mix sitting in my cupboard so while I already had a messy kitchen, I made that and whacked it into my mini oven. (YES I found a cake tin small enough to fit a nine-litre oven, it's the mini loaf pan from Wilko if anyone is curious). Vanilla cake with chunks of Galaxy chocolate shoved into it. Victory is mine ♥

As an aside: I usually buy Tesco Buttersoft, but as Sainsbury's is a closer supermarket and I'd run out of butter, I bought home Sainsbury's product instead. Bad move! It's too hard to spread and tastes quite unappealing. If I wanted to eat something unappetising on my sandwiches I'd have used the cheap cooking margarine already in my fridge. The remains of that Sainsbury's product will have to be used for cooking. Boooo.

Spendy Spenderella: 150 pounds on driving lessons, I was very pleased that I could arrange it online and set up my first lesson myself, only to discover my instructor is so heavily booked that following lessons will be ten days apart! This is near-on pointless, I know how to drive, I just need practice time. I called the school only to be told that if I cancel a lesson I'll just lose my money. Grumble. Stay tuned, at this rate passing my test will take seven years.

Sunday, 11 February 2018

Winner and loser

...that's me this week. I finally managed to get signed up with EE to take advantage of the corporate discount on phone plans. It will save me a good ten pounds every month, as I've been on pay-as-you-go until now which is rather pricey. So, savings!

And as a reward for reducing my spending and better managing my budget, my credit score has been walloped. Punched in the face. The simple act of entering a phone contract. Boooo. My electoral roll address has finally updated, but it barely helped with that overall score. The bank still won't touch me for any kind of unsecured personal loan to try to knock out the fast-approaching deadline on the previously-mentioned Large Bill which is hovering overhead and being rather annoying.

Large Bill company has not tripped over itself in offering to work with me (I did offer to make an arrangement to pay them back, as I know my financial situation will improve dramatically in a few months' time). Unfortunately what I got was a vague note that they don't do arrangements, they would expect to take action on this, but then an ambiguous sort of indication that they would wait and see what I could manage. Um... yeah thanks? At the same time their sales team are calling me every day! I've taken to not answering the calls from the sales team... so they upped the ante today and sent me a link by text message, which was a promotional video inviting me to spend fifty thousand pounds (insert me crying with laughter here).

At least they have a sense of humour!

I also cancelled my Spotify Premium account. I do love it, but that's ten pounds more I can use on bills, and I've noticed lately that I rarely listen on my mobile (which is the main aspect of Spotify Free that's lacking, compared with Premium).

Tuesday, 30 January 2018

It Won't.Go.Away.

Let's pretend I snapped before eating.
I thought I was getting better, but the flu has had other ideas and moved (with a vengeance) into my nose, and laughed its way maniacally into my chest. Oh, it's hilarious alright, I've now been forced back off work and thus off the payroll until I stop hacking up a lung. Sigh. I suppose I should appreciate saving the 3.60 in train fare each day that I stay home? Haha.

I did manage to get five lemon curd donuts this week for 16p. Imagine, if you will, that it was something I actually needed. (But they were good, though.)

My washer has been delivered and installed! Although it will take me about a year to recoup the savings compared with visiting the launderette, I think it's worth it for my general sanity. And if I'm honest it hurt psychologically to feed four pounds into the machine for each load and another five to get my sheets dry. No, a tumble dryer is not thrifty and it's not environmentally responsible; but drying my large stuff inside in an unheated living room in England is just not happening!

I had my eye on a small chest of drawers this week, and remembered I had gift vouchers to use from work. Late last year I nabbed a seasonal product on sale that came with vouchers included - spending £10 to get £20 in vouchers, and they needed to be used, so here we are. I also got my standard staff discount applied. End result is that I got a £25 chest of drawers for £11.66. Not bad!

This weekend, providing I'm actually well enough, I shall be taking a trip north to visit friends, meaning some spending on travel, accommodation and entertainment will be a thing. Hardly ideal given my low income of late, but friends are important and who wants to die rich without any fun in this life? :)


Friday, 19 January 2018

I have the flu.

So I've decided to embrace it as an opportunity to be frugal, because I'm staying indoors out of the cold and I'm eating what's already in my kitchen. That works, right? Right? (Never mind the lost income as I don't get sick pay just yet, never mind the cost of medication...)

I had a message from one of my biggest current bills - ok, let's call it a debt - it was a deadline that I really didn't like. Anyone will tell you not to ignore these things and hope they go away. So I tried to sort it today, only to discover I'd been given the wrong person to call, and the poor lady suffered as I dissolved into a coughing fit and had to hang up on her! Ah, if only we got points for trying :)


Friday, 12 January 2018

Small Treats

The purpose of a crumpet is to hold as much butter and honey as possible.

I was thinking about my bank balance last night (and such thoughts are not generally very pleasant ones) and pondering that all the "money" I have is pre-allocated, and I really won't be able to spend anything extra until pay day. The thing is, since today is my precious Day Off™ after eight days of working in a row, I felt like I "deserved" something special.

Anyway, before I even got very far on that thought, I had a huge long sleep in then ate crumpets for a late breakfast. And the funny thing is, I've lost the urge to treat myself - I'm quite content enough already. Crumpets are good. Lazy days are good. Vanilla-scented candles are good. Coffee in a warm room while Skyping a friend, that's good too.

Sometimes we're so fixed on blowing wads of cash that we forget how to appreciate simple things!

I have everything I need. There's credit on my electricity, there's food in my fridge, there's a supermarket card for any extra essentials, there's cash for the train. I don't need to panic about that bank balance. Breathe.

Now I just need to figure out what to get a friend for their birthday gift!

Monday, 8 January 2018

Random Disappearing Act

Firstly I hope everyone had a lovely holiday break :) I spent Christmas Day by myself, relaxing at home (well most of it) and then got an out-of-the-blue invite to go away for a week. So I threw caution to the wind and I went... throwing a bunch of savings into a plane ticket. Yes it burned a hole in my pocket but the accommodation and meals were very kindly paid for me, and really, what's the point of being frugal all year if you never get to have any fun?

So you'll have to forgive me that this blog was a little bit (totally and completely) forgotten while I was soaking up sunshine and drinking cocktails by the pool.

It has been a difficult few days back at work. I've been working outdoors in the cold promoting our store, and while I have loved talking to the public about what I do, I have to admit that the allure of a warm coffee shop has won me over a few times. Five degrees, darkness and wind, they're really not that much fun all day. Sure, it's one thing to bring a flask from home but when you know you could be thawing out at a table inside with your workmates, it's so hard to resist (and I failed). I'm not rude enough to sit there without at least buying a cuppa, so I bought one, even though I ate my sandwiches from home.

Also a takeaway once, but at least I used a voucher. And also cookies with it. And also more coffee. Also.

As an aside I did get cashback for my plane ticket!

Saturday, 23 December 2017

Yay! Then Hiss.

I have finally finished building furniture! Yay! The relief is amazing. Unfortunately my ceiling height (or lack thereof) necessitated a rearrangement. You can just make out the relocated Christmas Tree, which is presently helping to screen my desk and chair. But see that three foot gap behind the white sofa? That's the Bash Zone. All I can really use it for is stashing junk, and even that is a dangerous thing to do. I have (so far) hit my head viciously on those two beams six times and I'm not even counting the times I have bumped my head gently. It seems I haven't caused myself quite enough pain to make me actually remember to watch where I'm going (but watch this space).


Now I just need to rid myself of all the ridiculous empty cardboard boxes.

My go-to website for buying discounted gift cards (Zeek) seems to keep selling out of most of the items that I want, and only offering the ones that are one percent off - the price of popularity! - But I managed to pair it with cashback and came out in front, by first clicking through from both TopCashBack, then I spent the money on Zeek credit first, and redeemed that credit on a supermarket gift card, which will come in the mail.

A very much hiss was my disgusting foray on eBay earlier in the week, where I bought what can only be described as selfish and unnecessary items, totalling about £30. On the plus side I did get some cash back and I did finally order my toaster from a different site. I also got a small kettle and a mini oven, which should mean I use less power when I need to cook something for one person (it always strikes me as wasteful to heat that huge oven just for a little meat pie).

I sold one item for five pounds - technically I sold another item, but one of the buyers was a pain in the proverbial and decided he didn't want it. Simpler to cancel the sale than to get the negative feedback later on, ho hum.

On the right is the latest sweet treat to go into my mouth: Apple Crumble Slice with Custard (28p & 8p, respectively, from Tesco). It was delicious. And I used too much custard on this, it would have been fine with a quarter of the tin.

Freebie this week: A latte from Costa (thank you, Wuntu) and also a perfume sample in the mail.

It's Pay Week, so I plan to go grocery shopping soon, but before I do, I'm going to check out some online retailers. I shy away from them in general with the reasoning that I won't find yellow stickers, but I think it's only fair (to myself) to at least take a look for bargains.


* links are referral links, where I get a small bonus if you join. I only ever include links that I genuinely believe you can benefit from.

Wednesday, 20 December 2017

Slowly, Slowly

When I first got here almost a month ago I spotted a great rug in a charity shop, brand new. It was 45 pounds which was really way over budget, but I loved it so much that caution was thrown to the wind and it came home in my arms. I didn't have enough hands to carry a lovely wall picture that I spotted on the same day for £10, so I left it behind. I assumed it would be gone so I didn't bother to go back.

Well guess what was still there when I checked? Here is my living room so far and I'm quite pleased with it:


The ottoman on the left was also £10 from the same shop. The right hand ottoman was £30 and is new, and the sofa was £55 and is also new. You might have noticed my sloping ceiling there. I haven't got any wall space that can host anything tall, so allllll my storage needs to be at floor level. There are two low cabinets on the opposite wall which I'll try to remember to snap when the rest of the room is done. I also have a new sofa bed still in the box which belongs beside the Christmas tree. I'm working really hard on summoning the energy to assemble it :D

Saturday, 16 December 2017

Holiday Mode: On

I am finally on holidays until the end of the year (insert wild applause). It means I can finish sorting out my flat, which has been a bit neglected and has suffered from my rampant procrastination.

Yesterday was my Christmas breakfast party with work, making it a really frugal morning with a delicious cooked breakfast served up by the managers. I also got a lovely Christmas gift of a years' subscription to Headspace, which has stacks of meditation and mindfulness podcasts. They also gifted me some Sony bluetooth headphones (!!!!!!!) which I was very excited about, but as I don't need those myself I'm going to make sure they end up under someone else's Christmas tree.

Unfortunately in the afternoon I realised that there was no lunch happening. I think I sort of expected morning tea to be a feature. But no, and it meant I had to buy lunch. I'll admit I was lazy and shelled out the £3 for a "meal deal" meaning that along with my sandwich was a packet of Doritos and a bottle of Coke, two items I realistically could have done without. Oh well, I'm excusing it by saying it was my last day of work for the year.

I have absolutely zero excuse for what I did on the way home. I went into a pound shop and emerged £14 poorer. These shops are a trap, I tell you! Sure, I can pretend I needed all the things I bought, but really, I could have done without most of them. Except the chocolate. That was an essential.

In other news, after a tip from an EE rep, I got Experian on the phone to ask about my missing credit score. The nice lady on the phone did something magic, and my credit score suddenly appeared. This missing credit score was probably the reason the bank knocked me back for a home loan earlier in the year. I have a rubbish score mostly due to me not having lived here very long, but it's a score, which is better than no score at all. Within two minutes I had applied for and been approved for a credit card at 56% p.a. interest, and I have applied at a second bank as well, which will let me know shortly. (Danger danger Will Robinson: don't go nuts with credit or loan applications, as the applications themselves could harm your credit rating.)

I can hear the gasps. No, I don't plan to spend that credit. I am not crazy - 56% interest for goodness' sake!!! - I simply need some way to begin improving that score, and credit cards are all I can really do for now. I did read the fine print and provided I pay out the balance in full every month, I should have no fees or interest. So I plan to actually load it with my own money in advance then use it while shopping.

PS. Considering how many of my posts are arriving late, I'm dropping back to posting twice a week.

Wednesday, 13 December 2017

Temptation

I argued to myself that if I buy myself some treats from the supermarket, I'll stop wanting to buy food at work. This sort of mostly works. I went ALL last week without buying anything during my work days (dance). And then on Monday I accidentally left my treats AND my lunch at home, and it was on a day that free breakfast didn't happen.

Boooo.

So I bought myself a mushroom omelette (30p) and it was lucky I did, because there was no free protein meal at lunch either. I had the free fruit and salad. And a free latte for the trip home.

So I bought a Tesco four-pack of muffins on the way home for my treats for the rest of the week (£1 coin from my remaining change stash). Salted Caramel! They are amazing. And then I really just wanted something hot for dinner and I wasn't in the mood to eat another omelette but I really haven't got cash to spare. So I dangerously went into Sainsbury's knowing there was £10 left on my Sainsbury's gift card, and came home with a reduced instant Hoisin Duck meal for $1.49. Oh and a whole lot of other things, but hopefully I have enough meals now to last me the 12 days left until payday.

I put a tenner onto my electric key.

I have enough in the bank for my bus tickets, thirty pounds in my purse, a handful of coins, and two pounds on my Sainsbury's card. I'm equal parts horrified and energised by the budgetary challenge. As soon as I get paid I'm planning to buy a new Sainsbury's £50 gift card for my grocery shopping. In theory this will stop me spending over my budget (let's see how that goes).

Sunday, 10 December 2017

The Single Room Thing

So I happen to have a one-bedroom flat, with "heating". But the heating in the living room just... isn't up to the task. It tries, but the best it really achieves is taking the chill out of the air, and on keyed electric (boooo!) I was spending about £20 a week just trying to stop from freezing. I kept waking up shivering and then having to turn the blow heater on in the mornings just to get dressed, and that's not so fun when you're heading out into temps close to zero.

I'd intentionally kept the bedroom door shut and out of use until I received all my furniture, which happened yesterday, so I have boxes everywhere. But when I switched on the heating in there to help dry the newly-cleaned carpet, it's like an oven! So... guess what I've done for the past two days? Yep, set myself up in the bedroom. I have my desk and laptop in here, and my bed. I figure the space is smaller and it should save me some money if I just stop heating the living area during the week. Realistically I only need the living room for making my meals - maybe I'll feel differently once all my lovely living room furniture is in place in there! :)

I've also gotten cheeky a couple of times and left my front door open for half an hour when I arrive home from work... being at the top of the warm stairwell, it helps warm up a cold room nicely.

In other news I have sadly failed in signing up to a contract for my mobile phone. I get a corporate discount if I join EE. But I keep failing the address check verification when EE tries to confirm my card, even though I've confirmed that EE have the correct billing address. The bank says it's EE's fault. EE say it's the bank. I'm tired of making phone calls... will try again once I have received and returned the official "change of address" form for the bank. In the meantime I had to buy more pay-as-you-go credit with my current provider, so that's twenty-five extra pound down the drain that I really didn't want to spend... hey ho, not much I can do about it now!

Friday, 8 December 2017

The Washer Debacle

I've mentioned my washing machine more than once... I love the idea of that tiny washer, but truth be told this particular one has been a nightmare. It arrived banged up, broken, dirty and definitely not new. The seller had seemed willing to split the cost with me, but after repeated requests I'd gotten nowhere. Long story short it's now been returned and I'm waiting on a full refund from eBay.

That refund will come in handy, since ka-ching-wise, I'm scraping the bottom of the proverbial barrel.

I must admit, it's easier not to spend money when you simply don't have it. But I'm a little bit nervous about finances and lasting until payday. I haven't bought a single Christmas gift either, but I'm trying to put that aside until I get paid... all my gifts will be bought online (and apparently all on the two days before Christmas).

I do already have one gift... bought with Nectar points. Thumbs up there, I know I could have used those points more efficiently on something for myself that I needed, but never mind, it's one less gift to worry about.

Wednesday, 6 December 2017

Remiss

I'm late with this update, but I've been pretty busy.

This week I've been updating my Level 3 First Aid. It's amazing how much I remember, how much I had forgotten and how much has changed since I last did my training. I am thoroughly in awe of new defibrillator machines, they now talk you through and are quite reassuring considering it's what most people would consider a scary thing to witness.

So how is this frugal? I'm adopting poetic licence here. I am going to say instead that First Aid Training is incredibly good value. Think about it, people. What is the point of paying all our bills, saving all our pennies, getting financial independence, if we don't have our health and the health of those we care about?

If there is one extravagant purchase you make in 2018, make it a first aid course. Humans only have three minutes of oxygen saved up. Ambulances never arrive in that first three minutes. Putting it quite simply, you need first aid to live. If you're in trouble, your life - or the life of someone you care about - depends on someone near you knowing what to do. And watching "House" on tv is not good enough!

First Aid Saves Lives.

Please do this for your loved ones.

Sunday, 3 December 2017

Whirlwind

...my days, that is. Or should I say, my weeks. Only one day off work this week and a day of rest and relaxation was not to be had!

I've been busy still trying to arrange my flat (suitcase living is not so fabulous) and also get the caravan ready for the winter... rather late. More than once I've caught myself thinking: what's this full-time malarkey?

Anyway. Unsurprisingly there have been unexpected spends, but on the plus side I've been reasonably good at bringing lunch from home. I only have a four-day week (thank dog!) and as I'll be off-site there will not even be free fruit or salads or coffee, so the gauntlet is thrown: can I manage to stick to packed lunches for the whole week? (Challenge accepted!)

Unrelated purchase with no excuses offered: Christmas tree £2, baubles £2 (half are still in the box as they're too big for the tree), lights £7.

Friday, 1 December 2017

It's December Already

Eeek! Of course I'm aware that Christmas is around the corner but even so, I still do a double-take to see Christmas decorations up in the shops. I think it's because I'm mostly disconnected from it this year, I'll be off work and spending Christmas by myself (no sympathetic responses please as I'm perfectly ok with this).

I suppose I should update on my latest purchases?

Jumper £2, scarf £1, hat 50p and a belt 50p which somehow escaped the photo. Nothing fancy but some basics so I look vaguely respectable when leaving the front door.









Casserole dish £1 so that I could feed a guest.









Entertainment which I'll leave in the caravan for guests - £12.50 for the three (Trivial Pursuit was a tenner, which was a bit of a nostalgic indulgence).







I cannot wait until I'm in walking distance to my local car boot sale!