Why I won’t be paying things by debit card this year

There will be a couple of bloggers that may remember of the conservation I had with them last year via their blogs and mine, that I am about to have here, but a bit more in detail.
I think I may have mentioned in a post of mine once too. But can’t remember for sure on that. But with knowing I have had this conversation via a comment on one of my blog posts, means there may be other readers that remember this too.
Last year I mentioned how I ‘cocked up’ my bank account. Now these ‘cockups’ what I thought at the time happened on more than one ocassion of last year. Now out of these cock ups, there was only one, which was a very small difference that did not affect my bank account, that was my error and I spotted this with my records before it would have reflected in my account, so I was able to ammend accordingly.
But when it happened again, this time affecting me enough to occur a fee, because I didn’t spot anything before, as my records were in credit, I paid, because I assumed it was my fault again.
For some months after, I seemed to be doing well. Then it happened again. Again, because this was something of a small difference in my own records and so not affecting my bank account to result in fees because I adjusted it accordingly, I just corrected my own records. I assumed it was my fault this time. But I still couldn’t understand how I was ‘cocking up’ because I am careful with my money. I don’t spend what I don’t have. And the way I do my recored is that I am in front of my bank, because I deduct all the monthly bills in advance in my own records and anything else that comes out. So I thought, why after all these years is this happening?

Fast forward and the last few months towards near the end of last year, I did not spend anything on my debit card. I was keeping daily checks on my bank account and making notes in my records, to find everything is going fine.

I then in the last month of the year spent on a few ocsssions on my debit card; a second hand dvd, fleece underblanket for new bed, my new single bed and matress, which last two were the largest purchases. Again, with my records, I had this money. I am keeping an eye on my account as usual to see these payments are coming out and ticking them off in my records as I do and I spotted after my mattress payment came out my ‘available balance’ was much lower than it should have been. This was actually looking overdrawn, but my ‘balance’ reflected my records. So going months being fine and accurate between my own records and my online records, to not as soon as I start to use my debit card and finding ‘available balance’ is much lower than it should be. I thought this is why. And because of how this ‘available balance’ was looking, I moved over money from my ISA, (meaning that money lost out on interest) to make sure I was going to be covered, even though this I feel should not have happened because as my ‘balance’ shown, I had the money to cover it and it reflected my own records. I then Googled this issue and see it’s not just my building society, but other bank names crop up and it all boils down to however this all works behind the scenes with the bank/building societies and the business you are paying for whatever you bought.

I downloaded the app for my building society so I could see any pending, which there was, the bed, even though I could see it had come out of my account. The place I bought my bed and matress from, which I won’t name came up in the Google search, when I was researching about my ‘available balance and’ balance.’ That business is known to like take it twice. The first time when they check your funds at buying, but they don’t take it out until a bit later. When they do take it out, you have to allow so many days before their other pending payment is cleared by them and then your bank/building society, before it goes back in your account. And that’s what happened to me!

I may not have lost out in the long run and the ‘available balance’ eventually reflects my ‘balance’ and my records. Which then, I put all the money back in my ISA I had drawn out. But this shouldn’t happen. Bank balances should reflect truely. Not make you overdrawn, when the money is actually there. So yes, when it comes to paying for goods from now on, I will be paying by cash. I won’t give anyone a chance to mess up my account; the building society and businesses.

There will be a time next year with one company, that I will have to use my debit card, but when that time comes for that, or anything that crops up that I have to pay this way, then I will only use my card once in that month, to prevent too much if this activity, in case other businesses do this and then there is how my building society operates, when you use your debit card.

 

© Elizabeth Fisher and My Wellbeing and Learning Journey.

Unauthorised use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to My Wellbeing and Learning Journey with appropriate and specific direction to the original content. But Guest Posts that feature on my blog are not allowed at all to be duplicated.

Chit-chat July

So as you know, I took a blogging break. My mind was getting in a further mess of confusion. I felt overloaded, yet I wasn’t. I just couldn’t cope with how my brain was feeling of further confusion and, forgetfulness and my blog that started as therapy for me, when I first started writing this blog meant I just couldn’t be arsed to write and air what I was feeling, because it felt like too much work.
I was tired. I have been feeling tired for a long time as you know, as well as stressed. I wanted and needed to switch off. If I could have locked myself in a room for a week, or two without any form of contact, I would have done that.
It meant also not reading other people’s blogs, as well as avoiding mine. But at times, when I felt really good, I allowed myself to read the odd blog posts, liking theirs and maybe commenting. But I made sure my time was short.

So did my blogging break help?

Yes, surprisingly it did. I am still forgetful and I don’t expect this to improve, but feeling in general now to before, I feel much better, mentally. But I wasn’t expecting it to, with how I felt back then. This is my first post, since back from my blogging break.

I thank my kind readers and friends for their kind supportive comments, whether here on my blog, by email, or personally. 

Asthma

To top it off, which some of you will know already, my asthma has been very troublesome this year. It affected my sleep in the end, for nearly two weeks, because I was waking up through the night every 2 hours, or less. But the asthma (and cough) itself had been going on much longer than this, before it disrupted my sleep.
I was proper pissed off. If I wasn’t tired enough, I now had to face disruptive sleep, until asthma (cough) was more under control, as well as being pissed off and frustrated with my coughing and limits it was putting on me, because I wasn’t walking out to he extent I was before.

I have had asthma for years, but it’s never been an issue. So for the first time in all the years of having asthma, this year was the first year I can say it was a nuisance.
I have had one nurse appointment that led on to having a doctor’s appointment, as the nurse was concerned on a few things.
At this first doctor’s appointment, after examination and discussion, I was given a short course of steroids. I felt third day in on them that my chest felt lighter and by the fourth day, that night, I got my first decent nights sleep. But my cough was still a pain and gasping for breath with it. And I still wasn’t myself. I also started coughing up blood towards the weekend, so this led to me making a second appointment at my doctor’s.
At my second appointment, I was examined and we chatted. My examination shown, like at my first appointment that there were no sign of a chest infection, but because my cough was no better and because of the coughing up blood, he thought it might be worth having a short course of antibiotics. These antibiotics were a strong dose and I seen further improvement in the end. I just have the odd coughing bout now, which varies in extent, depending on weather and pollen.
I also had a chest x-ray, which turned out to be ok.

I am glad that my throat no longer feels like razor blades from coughing, but I am seeing if the rest may calm down on it’s own. If it doesn’t and I am not back to my full self, I shall go back, which if this is he case, I may have already done it by the time this post airs.

Dairy free

Before my cough got worse, I already decided I was cutting out milk and yogurt again, using soya alternatives instead.
I am also only going to have:

  • dairy free butter
  • dairy free ice-cream
  • diary free chocolate

The dairy free chocolate I find more satisfying. The bar lasts me much longer, as I only take a few pieces at a time, where a dairy bar of the same size, I will eat all in one go.

I did this again, because I know by cutting out milk and dairy yogurt alone, the phlegm is much less in the back of my throat, or not at all mostly, when I have done this before, when I have had the phlegm problem in the past. I am not cutting dairy out for any other reason, than this.

With the asthma being much worse, as already talked about than its ever been, the phlegm in my throat felt very bad, at my worst coughing. I can’t imagine how much worser it would have felt for me, had I not cut milk and dairy yogurt out at this point.

In the past, I have done it on a temporary scale for so many months, but the above I have done now, I am doing it more permanently. But going completely dairy-free in the long run, I don’t know yet. At the moment, the completely dairy-free way, I am definitely doing for the remainder of this year and into the New Year and re-evaluate from there as to whether I continue being dairy-free, or partly.
If I don’t have soya milk in my tea, I also drink it black and I will put a teaspoon of honey in my tea a couple times a day. This was something I learnt to like, when I felt I had to cut the milk out before. So no problems in doing it again. And I can drink coffee black.

As this post airs, it will be my first day of being completely diary-free, after slowly cutting dairy off.
I already know that it gets a little bit difficult, when it comes to eating out in some places, because I already know of two places in my local area, where I won’t be eating, now I choose to be dairy-free.
Do you find it the same?

The only hardest problem I felt for me, was giving up dairy cheese. Which is surprising to say, considering I don’t eat a cheese sandwich often. But that’s not saying I don’t like dairy-free cheese, because I do, as I have ate it before personally.
I have some in the fridge ready, for when I fancy a dairy-free cheese sandwich, or toastie

Do you have dairy-free cheese?

I found a very useful book from my local library, to help me on my dairy free journey. It’s called, “How to cook for food allergies,” by Lucinda Bruce-Gardyne. This book covers more than just dairy, so ideal if you have other food allergies. I bought a second-hand copy in the end, on eBay. I will talk about this book in a post of it’s own, a little later.

Are any of my readers diary free, in their diet?

Celebratory party

I went back to where I used to volunteer for their celebratory party. 35 years they have been serving the community.
It was first time they seen me since I left and when they knew I did not stay in the other job, they were quick to ask me back, if I wanted to come back. I told them that I may be in another job I am waiting to hear from, that’s possibly temp to permanent, so couldn’t say yet what I would be doing. But if it turned out it wasn’t happening, I would come back to help, until in another morning job. As long as they don’t give me another leaving due. We laughed on that and they said they wouldn’t. But if I wanted to come back, they certainly would have me.

Budget

So I may have only been in that morning cleaning job for a short time of not quite 2 weeks, but it was enough to know whether a second cleaning job would make all the difference to my budget.
I know that it doesn’t have to be 10 hours at least a week, as I first thought. I could take on a job of at least 8 hours a week and, with that and my other cleaning job, I would be able to live on it without struggling, as well as being able to save.

DVD’s watched

  • Cold Mountain
  • The General’s Daughter
  • The Stray, A True Dog Tale.
  • Replicas (staring Keanu Reeves)
  • (Re-watched) The Phantom of the Opera at the Royal Albert Hall
  • Life
  • Unbroken
  • (Re-watched) A Stitch in Time
  • (Re-watched) The Square Peg
  • Sherlock, series 1, 2, 3 and 4.

Books

I have not read any books for some time, other than the last book I need to get back into and continue reading; “The Highly Sensitive Person,” by Elaine N. Aron, Ph.D. So this month, I have read, “The Little Book of Bob – Life Lessons from a Street-wise cat,” by James Bowen, which I bought from The Works.
Then I read, “Hope Was Here,” by Joan Bauer, which I got from the library.

I look forward to seeing you back here and chatting with you. Again, thank you for your support 

There are plenty of posts scheduled here, which I hope you are looking forward to.
I hope to get back into joining in with “Fibbing Friday” and “Working on Us,” prompts too.

 

© Elizabeth Fisher and My Wellbeing and Learning Journey.

Unauthorised use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to My Wellbeing and Learning Journey with appropriate and specific direction to the original content. (But Guest Posts that feature on my blog are not allowed at all to be duplicated, as that is their copyright.)

Frugal living – Part 7 (Hay fever medication)

This frugal living focuses on hayfever.

I have had hayfever since my teens. At my worst, I have had to not only take tablets for my hayfever, but also nasal spray and eye drops.
When I was learning to drive, I changed my hayfever tablets as suggested by my driving instructor. These tablets were the same I had been in since a teenager and I think the change to having something different did a world of good. This was because for a few years, I had no symptoms to start with, until last year a slight touch. But this year a little more, that I have had to put myself back on my nasal spray.

Now last year, because of cutbacks, it was decided hay fever medication were not to be provided by prescription on the NHS. I was lucky I could still get it when I heard others were paying.
Now moving areas, meaning new doctors and hay fever season already in season for me as I write this, I already knew last October that I would have to buy my hayfever medication this year, in preparation for when that time of year came.

Even though I am buying my own medication for my hayfever this year, doesn’t mean I have to change what I take. But I have looked around and price things up, to get it as cheap as I can for myself.

What have I learnt?

Shop around – one place may be cheaper than the other for the same thing.

Avoid brand names – brand names cost more and you can buy a shops own with the same ingredients. They work just the same.
When you buy your medication, just look at the important active ingredient in your medication. So for example, my nasal spray is Beclometasone Dipropionate nasal spray. The important thing I look for when looking around at Beclometasone Dipropionate nasal sprays, is making sure my dose says 50 micrograms on the box, for that Beclometasone Dipropionate nasal spray. I have also read in a magazine that to look at the “PL code” on the back of products, resting assured it it is the exact same product, so buy the cheapest.

I been getting my nasal spray and tablets from Boots and I have bought their own brand.
My eyes have been a little itchy, but it’s manageable at the moment. But if I feel I need to get my usual eye drops, I will be back at Boots, buying their own brand.

As tight as money is, I can’t leave off my hay fever medication.

I have tried alternatives in the past from health shops, that seamt cheaper in the past, but they don’t work for me.

 

© Elizabeth Fisher and My Wellbeing and Learning Journey.

Unauthorised use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to My Wellbeing and Learning Journey with appropriate and specific direction to the original content. But Guest Posts that feature on my blog are not allowed at all to be duplicated.

 

Frugal living – part 6

I’ve not mentioned it in a frugal post before, but I did talk about it in a post somewhere how I was planning on paying a slightly more for a different tariff for my mobile phone, so I had more internet data. I wasn’t planning on doing this until I moved to Mansfield and settled, so I could make sure I could afford, as well as still need it.
Well it turns out I did not need it, which was a good job I waited as I did, because I would not have been able to afford it now budget-wise. So keeping it as it is and using WiFi in my area I can balance my internet just right. I have only ran out once while living in Mansfield, but that’s because I got carried away looking at everyone else’s Elves on the Shelf. Lol.

Some of the places are at coffee shops where I use the WiFi, when I can afford to. Yes, it might mean buying a coffee, or something, but I’m not going out of my way to do this. For free options, there’s the library and in the town centre.

In Frugal Living – part 3 and part 5, I talked about things I wasn’t allowing myself to buy, until I ran out. Since the last frugal post, nothing much as changed. I am still not allowing myself to buy body moisturiser, because I have plenty and also received one at Christmas.
Shampoo and hand cream are on the allowed list, but only when I have run out.
Shower gel will not be needed for a while with already having one in, as well as another I had for Christmas.
My toothpaste I buy when needed and I have plenty of perfume still, so I won’t need to buy any for over a year, especially as I had some at Christmas too.

I talked in last frugal post how I hope to save in gas and electric, with living in a smaller place now. I feel at the moment I can’t compare due to issues with gas supplier when I first moved in, then changing it over to same supplier as currently electric and having issues with the electric side of things because my readings were not be used.
I then decided in the end to change supplier, due to new issues. So due to all this, time will tell in the end.

In the meantime, the spot lights in my living room and, bedroom all have LED bulbs and partly in kitchen. No plans of replacing any others with no plan of staying here now. All lights in property are spotlights. One thing I noticed when buying LED bulbs, they are not as expensive as they were just a few years ago.

Although I have changed my bulbs in the living room, I now have my lamp as you know. I use the lamp mainly, unless I am crafting in some way. The bulb in the lamp is 4 Watts and so it is cheaper to run than my main lights.

 

© Elizabeth Fisher and My Wellbeing and Learning Journey.

Unauthorised use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to My Wellbeing and Learning Journey with appropriate and specific direction to the original content. But Guest Posts that feature on my blog are not allowed at all to be duplicated.

Frugal living – part 5

I have not done anything new, than doing what I’m doing already, as discussed in past frugal posts.
I am though changing how I cut my hair. I have been using this technique originally, as shared in this post, How to trim your own long hair at home. But now, I use this technique, which you will find in the link below. There are nine variations of how to cut your hair in this link and the one I use is method seven of nine, cutting pigtails.
After using the pigtail method, the only difference I do, is I don’t bring my hair to the nape of my neck, instead, I bring it into a ponytail at the front and point scissors upwards to cut, so not a blunt straight cut on the hair length.

Nine methods of cutting your own hair

The new method I now use, I have been doing a few times now. I changed the technique because I wanted to cut my hair shorter, but using the old technique would have made layers in my hair very short. This technique prevents that and it works for me.
As my hair is wavy, I find cutting my hair wet best, for previous technique I used and the one I use now.

In Frugal Living – part 3 I talked about thing’s I wasn’t going to allow myself to buy, until I ran out. I’m on my last bottle of shampoo now, so when I have run out, I will buy another. I’m also allowing myself to buy hand cream, after running out. But this is the only moisturiser I’m allowing myself, as I still have plenty of the other.

With downsizing from a two bed house, to a one bed flat, I’m hoping to see some savings. My rent is more than before, but I still hope to see some savings when it comes to heating. So this is what I will be observing the coming months.

What have you been doing in the frugal side of things? Anything new, or are you just continuing with what you have done so far?

 

© Elizabeth Fisher and My Wellbeing and Learning Journey.

Unauthorised use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to My Wellbeing and Learning Journey with appropriate and specific direction to the original content. But Guest Posts that feature on my blog are not allowed at all to be duplicated.

Frugal Living – part 4

Food can be interesting when you are on a budget and you are just using up what you have already in the cupboard, or fridge-freezer. Food can be random to what you normally have, but this adds up interest I feel.

Some random meals I have been having, when it just comes to using what I have:

  • Mashed potato, some tuna out of tin, peas, Black Eye Beans and Haricot Beans.
  • Mash potato, broccoli, carrots and fish cake.
  • Brown rice, mixed veg, mixed beans, with drizzle of mint sauce over my veg.
  • Noodles and mixed veg.

Freezing bread

I started freezing bread, as mentioned in “Frugal Living – part 3.” I have found doing it this way much better for me. It’s certainly made an impact and I notice how much I don’t buy bread, to before, even though before I hardly wasted bread.

Selling old gadgets for new

In my post, “Challenging a need and a want,” I mentioned how I needed a new phone, that would cope with the internet and my needs. But as I mentioned in that post, I wasn’t just going to draw out money and buy it. So due to the way I access the internet now, which is just on my phone, meant I no longer needed my Macbook Air laptop.
If by chance I was to have internet at home again, I have my desktop computer anyway, that I also use to play DVD’s on.
Knowing I will stick with Apple when it comes to computers, should this break down and can’t be fixed, I will buy another second-hand like the one I already own, or a new one. So it was obvious to me I had to sell my laptop for cash. Selling my laptop, paid for my new phone, I also had lunch and I had change.
Being happy with my new phone, I sold the old one for cash and put it away towards holiday next year I hope to have.

Still saving inners from cereal boxes and glass jars

I’m still saving inners from cereal boxes and glass jars. But it won’t be long before I don’t need to save anymore glass jars.

 

© Elizabeth Fisher and My Wellbeing and Learning Journey.

Unauthorised use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to My Wellbeing and Learning Journey with appropriate and specific direction to the original content. But Guest Posts that feature on my blog are not allowed at all to be duplicated.

Frugal Living – part 3

A difficult month money-wise, between last post and this. My budget did not go to plan either – money I wanted to save, I ended up touching. I did end up putting some away, but not what I originally planned. I suppose I should be thankful that I did put something away, because I wasn’t expecting it to happen.

Starting to freeze my bread

I know a few of my friends do this and just take out what bread they need. I have just started doing this myself now and it makes it so much easier for me, than I realised. I wish I did this sooner. I have been careful in the past when buying bread, to reduce wastage. But doing it this way, is much easier I have discovered and I totally recommend it.

Do you freeze your bread and only take out what you need?

My monthly phone contract

I ran out of internet allowance on the final week, so I had to buy an add-on. This did not help my budget and I hope to not do this on next month’s. I do use wifi, but because of where I was and what I needed to do, I had to get one.

No more cling film

Now I have no microwave, I don’t need to buy anymore cling film, when I run out. The remainder I have, I have had since last year because I hardly used it. I don’t know how much I have left, as I have not really looked. But I would not be surprised if I still had this box next year.

What I am not allowing myself to buy

You may remember the book review I did, “The Year of Less,” by Cait Flanders. I’m using one of her tips I have not used before and that’s creating a list of items I am not allowed to buy, because I have plenty of it.

What I have banned myself from buying:

  • Perfumes
  • Moisturisers
  • Shampoo
  • Nail varnish

I meant to share this in an earlier frugal living post.

If you liked this post, you can find past frugal living posts by scrolling either to the right, or further down, depending on whether you are viewing my page from laptop, or a mobile device, clicking on frugal living, under the categories.

 

© Elizabeth Fisher and My Wellbeing and Learning Journey.

Unauthorised use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to My Wellbeing and Learning Journey with appropriate and specific direction to the original content. But Guest Posts that feature on my blog are not allowed at all to be duplicated.

Frugal Living – part 2

At the end of the post of, “Chit-chat June, with a bit of frugal living,” I talked about how I was looking at alternatives for my internet. I shared there, how I found having a contract sim on my mobile was best and cheapest for me. Although I still was in a contract for my  internet, I decided to cut my losses with them and end my contract early and change to do what I need to now, to save money in the long-term.
I was so glad to see the back of them, due to their no customer service that I have experienced this year, which was not like them, in all the years I was with them before. With saving money as well on top, I just did not want to wait till end of contract.
I sorted out my monthly contract sim for my phone and this is where I will do everything, saving me mostly £3.52 per month, if I compare to how I did it before. But sometimes £13.52, when I had to top my phone up again. So if you see some weird typos in my blog posts, then this is the predictive text on my phone and me not being very watchful. But hopefully, I will get on with it this way, it just will take me longer to write-up a blog post possibly. I have to get on with it this way. 🙂 (This post was started on my computer, but finished on my phone.)

My new diary from next year, will be looking like this.

 

 

 

I know this is a long way off, but I wanted to sort out a diary that I would use at home, that I knew would work for me. Each year, I would normally buy two. A very small one that would fit in my work pocket and then an A5 size for home and to carry in my bag, when out and, about and not at work. Both diaries would have the same thing in, but the larger one with a little more detail at times. I like a larger diary to write in, so buying a smaller one for work, has been needed.

Last year, I had to create a large A3 monthly view calendar, because I found that I was double-booking myself. To explain how this was happening, would make it a very long post, but to put it short, what I was reading, my brain was feeling a bit scrambled by. So I used this in conjunction with my home diary, while at home and it worked for me.
As I know that a diary where I can see monthly works best for me visually and by printing off my own blanks to fill in, I thought I would look for free monthly A5 size blanks to fill in.
I bought an A5 folder from Amazon and punch my papers to place it inside and this is what I will be using next year. As I will be using this, I have saved some money by not buying an A5 size diary. Also, because I will be using an A5 size monthly planner, I won’t need to create my own A3 size version anymore. The the only diary I will be buying, is my pocket-size one, for work.

Sold some books

I sold four books via an online website and made just under £9 for them. These books were what I bought when learning to drive and as I know I will never have any intentions of future lessons, or wanting to drive, even if I had the money, so I was happy for the money received on these unwanted books.
This is something I have felt for the last three months now, where I know in my heart I don’t want to drive.
This feeling came about after chatting with a friend when she asked me, would I continue my driving lessons, had I had the money to? Originally I said yes, but when I got home, the days and now months later, I realise more that I don’t want to.

Saving inners from cereal boxes

I started the last few years, the lazy way of using instant mash, when I wanted mash potato. But I realise that if I start to buy my potatoes again for mash, as well as boiled, it would work out better savings wise. But I am aware that even just with a small bag of potatoes I buy, that I don’t want to let the others go to waste. So I have started doing something that my friend Kathryn suggested in a comment on, “Frugal living – part 1” and that’s save the inners from cereal boxes. As these bags are like a greaseproofy type bag, they will be excellent to save my diced potatoes in the freezer, for future mash potato.

 

© Elizabeth Fisher and My Wellbeing and Learning Journey.

Unauthorised use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to My Wellbeing and Learning Journey with appropriate and specific direction to the original content. But Guest Posts that feature on my blog are not allowed at all to be duplicated.

A little downsizing and attempted saving

So as I talked about in “Chit-chat June, with a bit of frugal living,” I did a little bit of clearing; selling my unused/unloved Casio keyboard and the cat carrier that is not likely to get used anymore, which I said why in a past post, so not repeating here.
My bookcase I was originally going to sell, I was told of a charity that may have my large dining table I was giving away for free. So after looking them up, as I have never heard of them before, I emailed them and shared them my links to the adverts I had going for both of these items and they were happy to have them. So these will be collected by this charity next week and I have removed the ads. Although I was selling my bookcase originally, I was happy for the charity to have it, if they wanted the table, so it would be worth them collecting.
I have ordered a smaller white table with drop down sides, from a local shop. Although smaller, it will do me ok. Even for study!
Although books taken off my bookcase have nowhere to go, I am determined that I will work this out, whether now, or later when I move one day. They are in bags, but I have put them in a way that I know where a particular book is. When read, they will be one, or two books I will probably no longer need, so you never know, I may do a book giveaway again, for a chance of a lovely reader who may like it. But I’m not promising anything.
Doing this little downsizing by giving away the two furniture items and having a much smaller table in place, (that will fit through my door on moving day,) will help to give space that I may possibly need, when I find the right one-bed property.

The attempted saving

I saved on quite a bit of money, by having a second attempt at cutting back the over growing Buddleia from a neighbour’s yard and my over growing ivy. I made the second attempt one evening, where I hoped the pollen count would be lower than in the day. But with how the weather had been, I doubt the pollen count was low and it was still warm outside. But I got it done in the end and suffered with the effects of the hay fever for the next hour. My asthma, although aggravated, I thankfully did not need my inhaler.

Now the bit where I mention attempted saving.
I have saved some, but not all of it as I would liked. I had to rely on dipping into it, because of the disabled bus pass I lost. I have walked home some nights from work as you know already and god, I knew about it the second night walking home this week and the following morning.
I obviously bus it down to work, but there is also some days I will have to bus there and back till I receive my replacement, because of other things going off.
Also with something else going off, that I needed to get info on, to make sure it was happening when I was told and other info, meant I had to pay, to eat out. But in the end, I am just not worrying about it. There has been other important stuff going on, that just gives me the fuck it attitude. In the end, I have still saved and with the frugal spending I have each week and knowing I have saved more than I expected there… well, I’m not going to tick myself off.

 

© Elizabeth Fisher and My Wellbeing and Learning Journey.

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