Angelicscalliwags Frugal Challenge Update

Our income has dropped considerably over the past year and because of more governmental changes we will no longer be receiving any kind of tax credits come April 2017.  I am not opposed to the changes which state that by the time the youngest child is three the mother should be looking for work and…

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Angelicscalliwags Frugal Challenge: September sum Up

Welcome to the September sum for our financial goal of paying of our mortgage in five years.  If you've been reading this blog for some time you will know that right now we are focusing on increasing our savings rather than paying off our mortgage.  We did this because we had a few bills come…

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Angelicscalliwags Frugal Challenge: August Sum Up

Welcome to the August edition of our Frugal Challenge. It has struck me recently how much saving money is like losing weight.  There are many ways to do both yet really all either require is a modicum of self-control, and the willingness to change one habit at a time.  So why is it so many fail at…

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Angelicscalliwags Challenge: March Sum Up

I was a bit negligent posting about the challenge in February.  In fact, I was wondering if it was worth continuing with the challenge at all.  We were getting nowhere very quickly on account of the car costs in September (£1000), the boiler costs in November (£600) and then cutting down of our tree in…

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Angelicscalliwags Challenge: January Sum Up

Welcome to the start of the second year of our five year challenge to pay off our mortgage.  So far we are on track, but things have slowed down considerably in the last few months after some emergency repairs to our car totalling over £1000, in addition to a boiler break down. This month we…

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Spar-Klean Science: Home-Made Washing Up Liquid

I've tried lots of recipes over the past few months and none have worked from an aesthetic point of view.  Sure they all cleaned, they all smelt gorgeous and very lacking in chemicals and they were all kind to sensitive hands.  Thing was, they were scummy.  Or at least they left a nasty scummy water…

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Angelicscalliwags Challenge: November Update

Source Yes, I take a lack of brain material to a whole new level sometimes.  In this instant 'Duh!' is the only response to have.  I often act without thinking and very nearly always speak what is on my mind without considering the effect of my words.  Fortunately, I am a fairly nice person, so…

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Angelicscalliwags Challenge: September Update

Hello, my name is Claire and I overspent on my holiday to Northern Ireland. There, I said it and it is very true.  I'm thinking financially things will be a little tight until after Christmas, although to be honest that is always the case for us with every member of the family's birthday falling between…

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The Angelicscalliwags Challenge: August Sum Up

Sorry, I know I've posted it before, but I love this picture! Welcome to the August sum up of the angelicscalliwags' challenge.  The challenge is on to pay off our mortgage by the end of 2017 How did we do this month? We have currently paid back 17% of our mortgage since January of this year.  Only…

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