Welcome to 2023!
Yesterday, after a trip to the pharmacy, I grabbed a free Greggs coffee courtesy of the O2 app and debated my January Low Spend/ No Spend Challenge......
Last year we decided that we need to have a whole year's bills money put aside as a safety net for when one of us pops our clogs. With the rising cost of living and inflation being over 11% now, we struggled to save as much as we hoped, but have almost half of what we need put aside. The challenge therefore carries on.
On Boxing day (why spoil Boxing day???) our energy account was updated to show that we are in debit by £43.10 despite cutting back our heating use. I'm not worried (yet) because the direct debit which they will take in a day or so will cover that amount and put us back into credit....
January Challenge
Aim: to spend as little actual cash on grocery shopping as possible
Funds:
Iceland vouchers (won) £100
Morrisons voucher (G's gift from work) £50
Nectar points £11.75
Boots points £7.28
Rules:
- We can use whatever food we have in the house in addition to what we buy but must not run down stocks completely. This would be totally counter productive as we have a lot of cold weather still to come
- Shopping must include toiletries and cleaning products as well as food (no cheating)
- We can eat out or have a cheap takeaway (is there such a thing?) once a week but it won't come out of the food budget as G will pay out of his wages.
- We can use yellow sticker bargains or Too Good To Go bags, as it would be completely daft not to
We actually have more money in vouchers than we had last January, thanks to my Iceland win, but food prices have risen so much that it might still be a bit tricky.
Here, the rain has stopped, the sun is shining and I'm about to put the slow cooker on for a warming beef stew for G when he gets home from work tonight. It should make him 3 meals: 1 today, 1 tomorrow and 1 to freeze for next week.
Let's do this!
Reasons to be thankful:
DD and her family are still poorly but on the mend
Our Son in Oz and his family are still coughing but feeling a little better after covid
My eye is healing
The sun is shining 😀
Have a lovely day everyone and stay safe wherever in the world you happen to be x